Social Security Do-Over Eliminated
Wednesday, February 16th, 2011
<Brian Fricke> Alright let's go and get started then. Good morning everybody! Welcome to today's episode of Coffee Talk. Our topic today is “The Loophole That Used to Exist with Social Security.” They just closed a very attractive loophole that used to give folks, if you use the rule correctly, what amounted to be an interest free loan. So, let’s talk about what the rule was, what the new ...read moreEXPOSED The Huge Hidden Fees of Variable Annuities
Monday, January 3rd, 2011
On this episode of Coffee Talk, I’m going to expose the huge hidden fees in variable annuities and even some mutual funds. You’re going to be shocked. So let me ask you a question. Have you ever heard something like this from maybe a stock broker, financial advisor, maybe even an insurance agent, and it goes something like this, “Don’t worry, the annuity company pays me.” Or, “Don’t ...read moreHow Are You Affected When the Koreans Start Shooting at Each Other
Wednesday, December 15th, 2010
Well good morning everybody and welcome to this weeks episode of Coffee Talk. This weeks topic is the Koreans. If you haven't heard, last week they started shooting at each other and is that going to affect you and if so how and what actions if any should you be taking. The bottom line is last week the Korean event if you will, was a reminder to me ...read moreIf You Have Money in a Mutual Fund, You Could Be in For a Nasty Tax Hit.
Wednesday, December 15th, 2010
Alright, well good morning everybody. Welcome to another edition of coffee talk. Today's topic; If you have money in mutual funds, you could be in for a nasty nasty tax surprise and that’s what we are going to talk about today. And really what I'm talking about is something called year end capital gain distribution. So if you have money in mutual fund even if it's a fund ...read moreAre You Guilty of This Common Money Mistake?
Tuesday, November 16th, 2010
Well good morning everybody and welcomed to this weeks edition of coffee talk, and today we are going to talk about whether or not you're guilty of a very common money mistake we see a lot of people making this time of year. And what I'm talking about is open enrollment. Open enrollment is quite prevalent this time year for most companies as well as Medicare. And this ...read moreWant an Income You Can Outlive in Retirement?
Saturday, November 13th, 2010
Good morning everybody! Welcome to another edition of Coffee Talk. Today's topic, does it make sense to take some of your money and purchase an annuity with a lifetime income guarantee. You may have read some reports or heard some reports where the government is actually studying and looking at whether or not it makes sense to give 401(k) plans and their participants the option of moving some ...read moreMistakes People Make With Stock Options And How To Avoid Them
Tuesday, November 9th, 2010
Good morning Toni! Brian here, good morning everybody! We’re going to go and get started with today's edition of coffee talk. The topic today stock options and mistakes people make with stock options so hopefully you don't make them. Some of the mistakes we've seen has actually cost people thousands, 10’s of thousands of dollars. So before we start talk about stock options, I want to covers some ...read moreFinding A Good Mutual Fund Or Stock
Monday, November 1st, 2010
Well good morning everybody. It is Brian Terry. My voice might sound a little bit off. I got a little sinus thing going for the last couple of days but that’s what’s medicine is for. Saw on email this week from Brian talking about the fact that he said he is a financial advisor, and he meant, “we” because this happens to all of ...read moreSave Big Money On Taxes
Thursday, October 28th, 2010
Well good morning everybody, Brian Fricke here. We’re going to get started with today's Coffee Talk call. We’re going to be talking about year-end gift giving tax strategies. We’re getting into the time year when people start thinking about making a charitable contribution. Catching up on contributions they do intend to make during the year and you need to be aware of some ...read moreDo You Have Money In The 2 Investment Bubbles That Are Ready To Pop At Any Time
Tuesday, October 19th, 2010
Hey, BT, it’s Brian. Can you hear me okay? Sure can, Brian. Welcome! Well sorry everybody. We’re running a little late. We did arrive safely at The Villages. Unfortunately, no amount of proper planning can always take into account life's unexpected events. In this case it would be construction on one of Florida's interstate highways. Imagine that! So, ...read moreTime to Update Your Estate Plan
Monday, October 4th, 2010
Alright, well let’s go ahead and get started. Welcome everybody to another of Coffee Talk call. Today's topic is “Year-end Estate Tax Planning.” Do you need to make any moves? Do you need to update your of legal documents in light of, really, the upcoming tax law changes that are going to go into effect at the beginning of the year . ...read moreThere’s No Way I’ll Ever Live Long Enough To Use All Of These Tax Losses!
Tuesday, September 28th, 2010
Well good morning everyone! We’re going to get started with another edition of Coffee Talk. Today’s topic is really a common tax myth that we see people get sucked into often causing them to make financial choices that result in the loss of thousands, sometimes tens of thousands, of dollars just because of a misunderstanding of how our wonderful tax laws work. And this ...read moreInvestment Allocation Myths Exposed
Tuesday, September 28th, 2010
Okay, well good morning everyone. This is Brian Fricke. I want to welcome everyone to this week's edition of Coffee Talk. Just a couple of housekeeping items, I've already got all the lines on mute so if you've got any noise in the background or whatever we're not going to pick that up. But it also means that if you have a question ...read moreNever Overpay For A Car Again!
Wednesday, September 22nd, 2010
Okay, well good morning everybody! Welcome back from Labor Day. Around here that marks the official end of summer. The kids are back in school and we’re back at work on our regular hours. Everybody's just so excited about that around here today, but today I just wanted to talk with you in share with you, a number folks are aware of our discount auto purchase program. ...read moreSurviving Spouses Over Pay On Taxes
Tuesday, September 7th, 2010
So let’s just get started. My watch says it’s nine o'clock with the start with the call today. I want to thank everybody for joining us. Today's topic you, “A tax mistake a lot of surviving spouses make and causing them to pay way too many taxes unnecessarily so. And it really just blows down to not knowing or understanding of tax law, ...read moreDo You Really Think Your Broker Works For Free???
Tuesday, September 7th, 2010
… sounds great. All right, well, this is Bryan Terry from Financial Management Concepts. And we are going to just go ahead and start rolling. Last week and yesterday you got an e-mail that said “Do you really think your broker works free?” And the reason why we sent this out is I can’t tell you, honestly, how many times we’ve talked to folks over ...read moreRetirement Lessons From The Smartest People I Know
Tuesday, August 31st, 2010
Hey good morning Tony, Brian Fricke dear everybody. My watch says nine o’clock. Do I got the right time? Yes you do. You are ready to go. Well here we go then. Hey welcome everybody to today’s Coffee Talk call. The general topic is “Three Retirement Lessons from the Smartest People I Know.” And that would be a multitude of clients and ...read moreHow To Handle An Inherited IRA
Monday, August 23rd, 2010
Good Morning everyone. Welcome to today's call. The topic is "How to Handle an inherited IRA." What you need to know whether you're inheriting an IRA yourself or trying to protect your heirs. And these comments in most cases apply to not just IRA's but also company retirement plans like 401(k)s and 403(b)'s. So just in things that you need to be aware ...read moreIs This Really True???
Monday, August 23rd, 2010
Good morning everyone. Welcome to the call. This week's topic is maybe a little bit out of the ordinary but for us, not so out of the ordinary. One of things we encourage our clients to do is to call us or e-mail us or contact us anytime you have a question in any time you were thinking about doing something to get our input ...read moreDid You Know Your 401k Isn’t Free
Thursday, August 12th, 2010
So it’s 9 o’clock so we’ll get started. Like I was saying just a moment ago, I am flying solo this morning so I’m running the switchboard and doing the commentary so I’ll try not to press any of the wrong buttons during the call. All the lines are on mute for the first part and we’ll open it up for questions and comments at the ...read moreAvoid this penalty tax when taking money from your IRA or 401k
Tuesday, August 3rd, 2010
Hey good morning BT, it's Brian. Hey, good morning Brian. It's 9 o'clock. We're all ready to get rolling. We've got about 15 for comments from you and about 15 minutes allocated for questions and answers if need be. So a half an hour total. If you're ready to get started, go ahead. Alright, well good morning everyone. We're going to go ahead and ...read moreWhat Going to Happen The Rest of the Year
Tuesday, July 6th, 2010
Well I’ve got 9 o’clock, so let’s get started. Well I hope everybody had a great 4th of July weekend. We’/re going to jump right into today’s call “What's in store for the rest of the year?” and to begin with I’m going to give you a recap of what happened the second quarter and first half of year and then we'll talk a little ...read moreOwn Your Home Free & Clear My Challenge
Tuesday, June 29th, 2010
Good morning everybody. Well let's go ahead and get started. My clock says 9:00 o'clock. Today's topic is "Why I Think You Should Own Your Own Home Free and Clear at or Before Retirement." And I'm also going to explain to you my ongoing $10,000 challenge or $10,000 reward. But the primary reason we think it makes sense to have a ...read more7 Big Mistakes People Make When Hiring Financial Advisors… And How To Avoid Them!
Tuesday, June 22nd, 2010
Good morning, this is Tony from Financial Management Concepts. I wanted to welcome everybody to this morning’s Coffee Talk. And before we get started I’m going to go ahead and throw all the lines on mute. So just if you’re new to our call just a reminder. The first part of the call we keep the lines muted during the commentary piece and then ...read moreWarning: Dirty Little Secrets Annuity Companies Hope You Never Find Out About!
Tuesday, June 22nd, 2010
BF: Good morning everyone. This is Brian Fricke. Toni, BT any of you guys there? BT & Toni: Here! BF: Have we made our announcements? Toni: Yes we have talked about being muted. BF: We’re going to get started then with todays Coffee Talk call. The subject is “Secrets Annuity Companies Hope You Never Find Out” I picked this topic today really because with the gyrations we’ve seen today in ...read more4 Little Known Strategies To Increase Your Social Security Income.
Tuesday, June 22nd, 2010
Ok, well good morning everybody. I hope everybody had a good Memorial Day weekend and a Memorial Day. We are going to get started with today’s Coffee Talk call, “Four Social Security Strategies that You Need to be Aware Of.” Whether you are collecting social security benefits now or looking forward to that day at some point in the future. So we’re ...read moreDo You Know How Healthcare Reform Will Affect You?
Tuesday, June 22nd, 2010
Click HERE to download the MP3 Click play to listen now! [audio:6-22-2010.mp3] read moreThe #1 Mistake You Must Avoid If You Want Income … From Your Investments.
Monday, June 7th, 2010
Well let’s get started. My clock says 9:00 o’clock! So welcome everyone. Today’s Coffee Talk topic is “The Number One Mistake Most People Make When They are Looking to Get Income From Their Investments.” This issue came up actually last week. One of our clients was being critical, I guess, of what we were doing or what they thought we were doing. ...read moreTime To Get Out Of The Stock Market?
Thursday, June 3rd, 2010
Hey Good morning everyone. Tony, can you hear me Okay? Absolutely Alright, well hey everybody it’s Brian Fricke. We’re going to get started with today’s Coffee Talk Call. And I think the best title I could give this call today would be maybe “How to Make Sense out of Chaos.” So let’s just get started. As you probably have heard the stock market was off a ...read moreHow To Make More Money…With Your Favorite Stock!
Thursday, May 20th, 2010
BF: Good morning everyone, it's Brian Fricke. What are we talking about today? BT: We are going to talk about what I call being married to your stock. BF: How to make more money with your favorite stock. That's the headline that went out on the email. We've been talking about this the last couple of weeks in conversations with folks. They've got ...read moreDon’t Be An ATM To Your Kids Or GrandKids!
Wednesday, April 28th, 2010
Well hey, good morning everybody. It’s Brian Fricke. My clock says it’s 9:00 so let’s get started. Today’s topic is “How Not to be an ATM to Your Kids or Grandkids”. And what I’m going to do is just share with you some of the things my wife and I have done. What’s worked, what hasn’t worked. We’ve got 2 ...read moreWhat’s A Safe Withdrawal Amount From Your Investments?
Wednesday, April 28th, 2010
Good morning everybody this is Toni with Financial Management Concepts. I’d like to welcome you to our weekly Coffee Talk call. Brian Fricke will be joining us momentarily and before we get started I just wanted to go over the structure of the call again as always. All the lines have been placed on mute for the first half of the call and towards the end we ...read more4 Sacred Cows Of Investing That Will Cost You Thousands Of Dollars Every Year
Thursday, April 15th, 2010
BF: Let's get started. Today we are talking about what I call the four sacred cows of investing that if you follow them religiously, could cost you literally thousands of dollars every year. So let's just jump right into it. The first one I want to talk about is something that is referred to as dollar cost averaging. If you are not familiar with dollar ...read moreTop 5 Retirement Planning Mistakes I See People Make
Thursday, April 15th, 2010
Good morning everybody, this is Tony Van Orr from Financial Concepts. Just to let you know, we'll be starting our weekly Coffee Club call here in just a couple of minutes. The topic for today's meeting will be "The Top Five Retirement Planning Mistakes." And the "Brian's", both Brian Terry and BT, are going to be joining us remotely from The Villages where they ...read moreAre You Making The Single Biggest Money Mistake…Most Retired Couples Make?
Wednesday, April 14th, 2010
And today's topic, of course, is "The Single Biggest Money Mistake We See Couples Make" and it has nothing to do with investment decisions or selection (at least not directly). And really to illustrate this point, I think the best way for me to do that is to share a quick story with you. True story; years ago I got a phone call from a gentleman ...read moreWill The Uptrend In The US Stock Market Continue?
Wednesday, April 14th, 2010
So let's get started. I think we are going to review and recap what went on in the first quarter. The market seemed to be doing quite well and of course the next question is will that trend continue. As a recap, it seemed like this year started off very similar to last year. Not quite as stressed out but anyway January, February were ...read moreLook What Happened When You Weren’t Looking!!!
Tuesday, March 30th, 2010
Well good morning everyone, this is Brian Fricke. Thanks BT. Good Morning, Brian, That, by the way is Brian Terry's nickname around here, BT. Anyway, let's go ahead and get started. We sent out the reminder for today's call. Something about the fast one they pulled in Washington DC while everyone's attention was focused on healthcare. And this is a very ...read moreAre You Making These Mistakes On Your Taxes???
Thursday, March 25th, 2010
Good morning everyone this is Brian Fricke and my computer says 9am so let's get started. Today's topic is “Mistakes we see people make on their taxes.” I'm going to talk about the single biggest mistake we see folks make over and over again; tax records you need to keep. Maybe you can free up some storage space in your house and common mistakes we see ...read moreIt’s Not What You Know, But Who You Know
Tuesday, March 16th, 2010
Hey good morning Tony Good morning. Alright, well this is Brian Terry. I just wanted to welcome everybody to our call today. And if you've seen our emails in the last couple of days, you'll know that we got something interesting to talk about. So we'll just jump right in here. And as you know this isn't the sound of Brian Fricke's voice, as ...read moreIt’s Not What You Know, But Who You Know
Tuesday, March 2nd, 2010
Click HERE to download the MP3 Click play to listen now! [audio:3-02-2010.mp3] Back To Main Conference Call Page read moreDo Your Kids Need A Financial Bailout?
Tuesday, February 23rd, 2010
Alright. Let’s get the show on the road, so to speak. Well good morning everyone and today’s topic is, “Do Your Kids Need a Financial Bailout?” We’ve noticed an increase in questions from clients recently. I say recently in the last year or so about concern about helping kids out. Part of it due the economy, maybe the kids can’t find ...read moreCan Your Money Market Fund Stop You From Withdrawing Your Money? The Answer Will Shock You!
Tuesday, February 16th, 2010
... Anyway, let's get started. If you got the announcement over the weekend or yesterday, the question I asked was, "can your money market funds stop you from withdrawing your money?" And this was a question, and actually it was an email, sent to us by one of our clients. He had read something online at a website that was alarming him. That mutual ...read moreWhat Is Your Number And Why It Doesn’t Matter!
Tuesday, February 9th, 2010
Hey BT, it’s Brian. I’m here. Oh, great. We’re ready to go. It’s 9:00 and you have the floor. Thank you. I’m… My engine is wound tight and I am raring to go. We’re going to get to the subject matter of our call in a minute of what’s your number and if you have one, why you may be making a mistake by having a ...read moreBond Strategies In A Rising Interest Rate Environment
Tuesday, February 2nd, 2010
BF: Good morning everyone this is Brian Fricke. BT are you there? Yes. Let’s get going. Do you have any announcements? BT: Just real quick. Everybody will be on the call and muted. So we won’t have any background noise for now. Later on in the question and answer period, the phone will be unmuted and at that point any noise ...read moreWarning-Best Stock Fund of the Decade Makes 18 Percent While Investors Lose 11 Percent
Tuesday, January 26th, 2010
Hey, good morning everyone, this is Brian Fricke, BT you there? Yep, still here, and take it away! Wonderful. Well let’s just get started and jump right into it. Today we’re gonna’ talk about why some of the best stock mutual funds of the decade make money but the people that put money into those funds end up losing money. So we’re gonna’ talk about that. ...read more529 College Savings Plans Are a Family Disaster Waiting To Happen
Tuesday, January 19th, 2010
BF: Okay folks let’s get started. I sent a note out to everyone last week. We are going to talk about the 529 college savings plans specifically but we can also get to the Florida prepaid tuition plan or any state tuition plan. I thought this would be appropriate for today’s call simply because, at least for the state of Florida, the open enrollment ...read moreHow Much Of YOUR Money Is Going To Those Fat Cat Wall Street Bonuses
Tuesday, January 12th, 2010
Hey, good morning, this is Brian Fricke, are you there BT? (BT) Yep, I’m here. . I’m been priming the pump. (BF) Sorry, everybody, I’m running a couple of minutes late. Actually, I’m calling from my cell phone in Melbourne. We’re over, ah, seeing some of our Melbourne clients today. But let’s just get right into the subject matter today. How do you know and how ...read moreTax Changes and How Health Care Reform Affects You
Tuesday, January 5th, 2010
Good morning! We are going to go ahead and get started with the first Coffee Club call of the New Year. My wife and I were having a conversation about do we call it 2010 because last year we called it 2009. So do we call it 2010 or twenty ten? Or does anyone care. That’s my vote! So anyway welcome to ...read moreThe Biggest Opportunity Families Miss
Tuesday, December 22nd, 2009
BT introduces BLF (BLF) Thanks BT. Good Morning everyone! I’m just going to jump into our topic – mistakes a lot of families make this time of year. And really what I’m referring to is this time of year a lot of families getting together to celebrate the holidays, Christmas or Hanukah whatever holiday you and your family celebrate. All too often I see a missed opportunity and what I’m ...read moreIs It Time to Look at Real Estate?
Tuesday, December 15th, 2009
Good morning everyone. This is Brian Fricke and welcome to this week’s Coffee Club call. The topic for today is “Is it time to get back into Real Estate.” We are going to share some comments and stories that have come across our desk in the last few weeks and then give you an opportunity to ask any questions you may have whether it’s real ...read moreShould You Convert Your IRA to a RothIRA?
Tuesday, December 8th, 2009
Good morning everyone, this is Brian Fricke and we are going to go ahead and get started with today’s Coffee Club call. Towards the end if we have time we’ll open the lines up for your questions, but first I want to just dive right in and get to today’s primary topic which is should you convert your IRA to a Roth IRA. The reason for this ...read moreOur 24/7 On-Line Performance Reporting System
Tuesday, December 1st, 2009
Click HERE to download the MP3 Click play to listen now! [audio:12-01-2009.mp3] Back To Main Conference Call Page read moreOur Current Views on The Markets
Tuesday, November 24th, 2009
Click HERE to download the MP3 Click play to listen now! [audio:11-24-2009.mp3] Back To Main Conference Call Page read moreGold –Time to Buy or Sell???
Tuesday, November 17th, 2009
BF: Good morning everyone this is Brian Fricke and I’ve got Toni on the line as well. Toni: Good morning! BF: Welcome to the first of what we intend to be many Coffee Clubs. This is just an opportunity for us to get together once a week every Tuesday at 9am. We’ll be available for any questions or concerns that you may have and share with you ...read more
