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PODCAST

Well Balanced

Vector Wealth Management

Well Balanced | Financial Planning, Goals Based Investing, Market Perspective, Wealth Management.A passionate and entertaining look at money and investing in and for retirement. For those that enjoy podcasts like Smart Money, On Investing, and BiggerPockets, Well Balanced is worth adding to your feed.Disclosures about our firm and this podcast.Vector Wealth Management is registered as an investment adviser with the Securities Exchange Commission (SEC). Registration as an investment adviser does not

business investing

All Episodes

4:59

Consumer Confidence Is Low — Here’s What That Means

Well Balanced ·

2025/11/14

A Moment of Low Consumer Confidence — and What’s Behind ItIn the most recent episode of Well-Balanced, Vector’s Jason Ranallo discusses the latest drop in U.S. consumer sentiment. November’s reading from the University of Michigan fell to 50.3, the second-lowest point since the pandemic recovery. The decline spanned age groups, income levels, and political affiliations — though households with larger stock ownership were noticeably more optimistic after a strong market year. Uncertainty continues

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6:13

A simple lesson worth sharing: The power of compound...

Well Balanced ·

2025/10/31

Some lessons are too valuable to keep to ourselves.If there’s someone in your life—a child, grandchild, or friend—who’s just beginning to save or invest, consider passing along this episode of Well Balanced. David Moser shares a simple, yet powerful illustration of how compound interest turns small, consistent investments into lasting wealth over time. Even for those already living off their portfolios, it’s a powerful reminder of why time and consistency matter. In David’s story, four friends

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9:38

Minnesota Estate Taxes: What Non-Residents Need to...

Well Balanced ·

2025/10/24

If you own property in Minnesota but live elsewhere, you could face estate tax liabilities.Let’s say you live in Florida but own property in the great state of Minnesota—perhaps a summer cabin or investment real estate—understanding Minnesota’s estate tax laws is crucial for your financial planning. In this week’s Well Balanced podcast episode, Vector’s Managing Director, Sharon Calhoun discusses estate taxes and what out-of-state property owners need to know. Minnesota is one of only a dozen

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5:14

FYR033: Online Scams: How to Spot and Stop Them...

Well Balanced ·

2025/10/16

Online Scams: How to Spot and Stop Them Before It’s Too LateFraudsters are getting smarter — and more personal. One in three adults will face an online scam attempt this year, and even the most tech-savvy among us can be caught off guard. In this recent Well Balanced podcast, Chief Compliance Officer Suzy Klapperich and Vector advisor Charlie Gruys discuss the rising threat of online scams, including a real client experience that shows just how convincing these attacks can be. “My client saw

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5:41

FYR032: Medicare: Upcoming Changes and How to Prepare...

Well Balanced ·

2025/10/10

Medicare is an important part of retirement planning, and for many is a topic that can feel overwhelming—especially with significant changes on the horizon. In our latest video, Joe Grochowski, Senior Wealth Advisor at Vector Wealth Management, breaks down what you need to know about Medicare, upcoming changes, and how to prepare.Understanding Medicare: The Basics Medicare is the government’s health insurance program for people 65 and older. It’s made up of four main parts: Part A: Hospital

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4:08

FYR032: Your Fall Financial Checklist: 5 Simple Tasks...

Well Balanced ·

2025/10/03

Fall is the perfect time to do a little “financial spring cleaning.” At Vector, we’re committed to helping our clients achieve long-term goals, but there are also some small steps you can take right now to set yourself up for success.Here are five easy financial tasks you can tackle this fall: Review Your Beneficiaries Take five minutes to log into your retirement accounts, life insurance, or old 401(k)s and make sure your beneficiaries are up to date. Life changes—marriages, divorces, new

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4:06

FYR031: 5 Tax Prep Opportunities Before Year End with...

Well Balanced ·

2025/09/19

Fall is a natural time to pause, reflect, and make sure your financial plan is aligned. At Vector, we proactively look across our client’s financial picture to identify opportunities that could improve tax efficiency before December 31st.Five Year-End Tax Planning Strategies 1. Roth Conversions – Paying some taxes now at current rates may provide more flexibility in retirement. 2. Tax Loss Harvesting – Using market downturns to offset gains and manage taxes in a disciplined

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4:14

MP025: The “September Effect”: Myth, Data, and Market...

Well Balanced ·

2025/09/05

Why September Stands OutIf you’ve heard of the “September Effect,” you already know the reputation. Over a century of data, every month of the year has averaged a positive return for the S&P 500—except September. Its historical average is a decline of about 0.8%. At the other end of the spectrum sits July, the strongest month, with an average gain of nearly 2%. In 2025, July (and August) lived up to that record, delivering fresh all-time highs for the index. Is September doomed to weak

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10:41

FYR030: 3 Ways to Use Your Portfolio for Short-Term...

Well Balanced ·

2025/08/29

In moments when you need short-term liquidity—whether for a home down payment, a business opportunity, or bridging a timing gap—your portfolio can offer more flexibility than you might think.In our latest podcast, Wealth Advisor David Moser explores three strategic solutions available to Vector clients through their Schwab accounts. We talk though how each solution can provide access to funds based on your existing portfolio value. Overview 60-Day IRA Rollover Withdraw from your IRA without tax

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05:21

MP024: All-time Highs, Earnings, Rates. Market...

Well Balanced ·

2025/08/15

In this edition of the Well Balanced podcast, we dive into three major financial stories making headlines:Stock Market Highs: The S&P 500 and NASDAQ have reached record highs, driven by optimism over potential interest rate cuts and strong corporate earnings. Earnings Season Highlights: Overall strong corporate earnings for Q2, with significant earnings growth across sectors like technology, communication, and financials. Interest Rate Outlook: Recent inflation report showed

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28:45

FYR029: Charitable Giving with Veteran Tom Lyons and...

Well Balanced ·

2025/08/08

In this conversation, Tom Lyons, chairman of the Minnesota Veterans Pantry and Vector’s Chris Wagner, discuss the importance of charitable giving and philanthropy. Tom shares his personal journey from military service to establishing the Minnesota Veterans Pantry, which addresses food insecurity among veterans.They explore the tax benefits of charitable contributions and the role of financial planning in supporting philanthropic efforts. Tom emphasizes the need for community support and encourages

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34:26

FYR028: Business Valuations and Exit Strategies with...

Well Balanced ·

2025/08/01

In this conversation, Tom Lyons, founder of a mergers, acquisitions, and advisory firm, and Vector’s Sharon Calhoun, discuss the intricacies of business valuations, exit strategies, and how to maximize the value of a business.They explore the importance of planning and preparation for business owners considering selling their business, the role of management in enhancing enterprise value, and common mistakes to avoid during the exit process. The discussion emphasizes the need for business owners to

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27:42

FYR027: One Big Beautiful Bill Act: What It Means for...

Well Balanced ·

2025/07/25

The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, brings sweeping tax changes—many of which could directly affect your income, savings, and estate plans. From an expanded standard deduction to new rules for charitable giving and 529 plans, the law offers opportunities—but also new limits and deadlines you’ll want to keep on your radar. In our latest podcast and blog, Vector Wealth advisors Sharon Calhoun and Joe Grochowski break down: How the standard deduction is

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04:54

MP023: Markets, Debt Ceiling, Home Un-Affordability...

Well Balanced ·

2025/07/11

All-Time Highs: What They Mean—and What They Don’tToday, we’re exploring a topic that’s hitting headlines, stirring conversations, and maybe even finding its way into your family group texts: all-time highs. Markets Are Up Let’s begin with the markets. Despite a turbulent first half of the year—rife with tariff negotiations, interest rate debates, geopolitical tensions, and the occasional curveball—the U.S. stock market has shown remarkable resilience. As of this week, major indices like the

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24:57

FYR026: Treat Yourself: Why Intentional Spending...

Well Balanced ·

2025/06/26

What Would You Do With $300?In the latest episode of Well Balanced, Vector advisor Chris Wagner joins Ezra Firkins to discuss a simple but revealing question: Can a $300 purchase improve your life? From air fryers to flight upgrades, Chris and Ezra explore how small, intentional spending can bring real value—especially for clients who’ve spent a lifetime saving. The conversation invites listeners to reflect on their own comfort, habits, and hesitation around spending, even when their financial

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12:33

FYR25: Target Date Funds in Retirement Accounts with...

Well Balanced ·

2025/06/19

In this edition of The Well Balanced Podcast, Ezra Firkins sits down with Senior Wealth Advisor Mike Nesheim to unpack a scenario that pre-retirees face: I’ve got a target date fund in my 401K and I plan to retire in the next few years.What next? Mike and Ezra explore how target date funds work, why they’re often a great accumulation tool, and when it might make sense to move beyond them. Here are 7 key takeaways about target date funds: 1. Target Date Funds Offer Built-in

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11:02

FYR024: Weddings and Financial Planning with Joe...

Well Balanced ·

2025/06/12

In this episode of Vector's Well Balanced podcast, senior wealth advisor Joe Grochowski discusses the financial planning aspects of weddings, particularly focusing on how parents can support their children while managing their own retirement plans. We explore the rising costs of weddings, the importance of budgeting, and the emotional significance of these events.7 Key Takeaways: The average cost of a wedding is trending upwards. $30K+ on average. Parents often want to help make their child's

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22:50

FYR023: The 10X Retirement Savings Rule with Charlie...

Well Balanced ·

2025/06/06

In this episode of Vector’s Well Balanced Podcast, our communications director Ezra and wealth manager Charlie Gruys explore retirement savings goals through practical examples, benchmarks, and financial planning insights.They discuss how income multiples (example: 6x annual income = investable savings at 55 years) can help guide retirement preparedness. The conversation presents two household scenarios: 10 years from retirement, earning $250,000 annually but starting with different asset bases

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32:22

WB005: Art, Math, and Financial Planning with Emily...

Well Balanced ·

2025/05/30

In our latest episode, Vector’s Sharon Calhoun sits down with Emily Victory, a pattern-driven artist whose work lives at the intersection of art and mathematics. Emily shares her journey, revealing how structure and expression come together through a creative process.Takeaways Taking the first steps in any creative pursuit is often the hardest. Embrace the journey of exploration. Art can make math more accessible. Every piece of art, like every financial plan, is unique. Curiosity drives

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03:42

MP022: Moody’s Downgrade of U.S. Credit with Jason...

Well Balanced ·

2025/05/23

A shift occurred in the world of government bonds—one that, if the trend continues, could have implications for interest rates, mortgage affordability, and the broader economy. In our latest podcast episode, Vector’s Jason Ranallo breaks down what rating agency Moody’s downgrade of U.S. Treasury debt means—and if it matters for your financial future.Summary Moody’s has lowered the U.S. government’s credit rating from AAA to Aa1, citing persistent fiscal deficits and rising interest costs. While

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67 results

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