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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

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All Episodes

3:09

The Three Stages Stages of Retirement

Well Balanced ·

2026/03/23

For most people, retirement doesn’t stay the same from start to finish. It tends to move through distinct phases, each with different priorities and financial rhythms.Presented by Joe Grochowski, a senior wealth advisor at Vector Wealth Management. Connect with Joe and the team: vectorwealth.com/contact In this short video, I walk through what are often called the Go-Go years, the Slow-Go years, and the No-Go years. Early on, retirement may be active and experience-focused. Later, life often b

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3:18

Is Your Retirement Plan Ready for Reality?

Well Balanced ·

2026/03/11

Retirement isn't just leaving your job—it's a life shift. Your time, your days, and your finances all change.Here's what matters: ✅ Replace your paycheck with steady income from savings & investments ✅ Protect against inflation over 10-20 years ✅ Time Social Security & Medicare strategically ✅ Coordinate withdrawals to minimize taxes But it's not just financial. Work gives life structure—retirement requires finding new rhythms. Ready to make your transition intentional and well-planned

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59:02

Fraud Prevention and Cybercrime Tactics – Part Two...

Well Balanced ·

2026/02/20

In this informative presentation, Paul Ewing, Schwab’s Senior Technology Consultant, and Boima Freeman, Senior Financial Fraud Investigator at the Minnesota Department of Commerce, share real-world examples and actionable strategies to help you safeguard your financial accounts and personal information.Vector’s Senior Wealth Advisor Mike Nesheim moderates the fireside chat and Q&A with the audience. Suzy Klapperich, Vector’s Chief Compliance Officer, shares a best practice of having trusted

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43:18

Fraud Prevention and Cybercrime Tactics – Part One...

Well Balanced ·

2026/02/20

Fraud is no longer rare—it's happening everywhere. In 2024 alone, three out of ten people experienced attempted fraud, with one in ten falling victim. For Minnesotans age 60 and older, reported losses reached $52.2 million, with actual losses potentially much higher since many cases go unreported. In this recording, Boima Freeman, Senior Financial Fraud Investigator at the Minnesota Department of Commerce shares his experience with a presentation focused on: the impact of financial exploitation,

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6:33

Market Perspective: 2025 in Review, 2026 in Focus

Well Balanced ·

2026/01/21

The S&P 500 closed 2025 with an impressive 17% gain, underscoring the market’s resilience and strength. That strong finish came despite a challenging start to the year. In this update, we revisit what last year’s swings taught us and look ahead to how broader market participation is shaping the landscape for 2026.- More details on our website: vectorwealth.com Contact us: vectorwealth.com/contact - All content discussed in our podcasts, videos, or related blog articles are for informational

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3:58

Organizing Your Financial Documents for the New Year...

Well Balanced ·

2026/01/09

As we kick off the new year, we want to share a simple habit that can make a meaningful difference in your financial life: organizing your financial documents.Think of this as your Marie Kondo or Barbara Costello moment—but for your finances. A small amount of effort now can make the rest of the year feel smoother, more organized, and less stressful. What does financial decluttering involve? It really comes down to three key areas: account statements, tax documents, and important legal

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5:43

Six Tips for Retirees and Savvy Savers with Chris Wagner

Well Balanced ·

2026/01/05

Get a head start on your financial goals for 2026! In this episode, Chris Wagner, Wealth Advisor at Vector, shares six financial planning topics for the year ahead. Financial Planning in the New Year 73+ in 2026? Plan for Required Minimum Distributions (RMDs) from pre-tax accounts Maximize Giving with Qualified Charitable Distributions (QCDs) Roth Conversion for tax-free growth once in a Roth IRA Beneficiary Designations – Reminder to review and update Fund a Donor-Advised Fund (DAF) with

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4:09

Market Perspective: Changing Interest Rate Environment

Well Balanced ·

2025/12/19

The Federal Reserve (Fed) recently lowered interest rates again. We discuss why—and what it could mean for markets and investors. Here’s a clear, plain-English update.What the Fed Did The Fed reduced its benchmark interest rate by another quarter of a percent this December, bringing the federal funds rate to about 3.50%, the lowest level in roughly three years. This marks the third consecutive rate cut following a period of aggressive rate hikes that began in 2022 to combat inflation. The

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3:35

Updating Your Will as You Approach Retirement

Well Balanced ·

2025/12/12

When it comes to retirement planning, one crucial piece often gets overlooked: your will. As you near retirement, a quick review can help ensure your wishes are clear and up-to-date, and your loved ones are protected. In this short video, we share about why, when, and how to update your will and ensure your estate documents are current and complete. If you have questions or need guidance on updating your estate plans, contact our office today to schedule a meeting.- vectorwealth.com/contact Sharon

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5:19

The Power of Family Meetings: Building Trust,...

Well Balanced ·

2025/12/05

vectorwealth.com/contact- At Vector Wealth Management, we believe that strong families build strong legacies. One of the most effective—yet often overlooked—tools for achieving this is the regular family meeting. Why Family Meetings Matter Family meetings aren’t just for large family offices or businesses. They’re a powerful way for any family to improve communication, strengthen relationships, and ensure everyone understands the purpose and plan behind your family’s wealth. These meetings

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6:16

The Backdoor Roth Explained - Unlocking a Retirement...

Well Balanced ·

2025/11/21

vectorwealth.com/contact- High-earning families often do everything right: they save, they invest, and they plan ahead. But many still bump into a frustrating limitation—income limits that prevent direct Roth IRA contributions. In this episode of Well Balanced, Senior Wealth Advisor Mike Nesheim shares a story that highlights a potential solution for high earners: the backdoor Roth IRA. The household: a physician and spouse were saving diligently, but their high income meant they couldn’t make

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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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78 results

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