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Episode 17 – Protection of Estate Planning



Are you prepared to protect your estate at the time you pass away? 

In this episode, Jim Donewald sits down with guest Richard Behlmann, Managing Attorney at Behlmann Law Firm, board certified in estate planning and probate law, to discuss the power of estate planning documentation, including the urgency of how to take control of your estate planning early.

In this episode you will learn:

  • The general differences between a will versus a trust
  • The general rule of what should be in your trust
  • How a trust helps will the situation of a divorce
  • The other areas of concern in estate planning
  • And more!

Tune in to learn more about how to protect your estate by communicating your wishes!

Resources: 

CRIS Financial | John Glowacz | Jim Donewald | Richard Behlmann | Behlmann Law Firm


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Episode 16 – The Financial Concern of Widowhood



Widowhood is the result of losing a spouse, and it can be both emotionally traumatic as well as financially draining if you’re not prepared. 

In this episode, Jim Donewald discusses how to prepare your finances and have all the necessary documentation to manage on your own if you lose your spouse.

In this episode you will learn:

  • The first thing you need to do if you lose your spouse
  • How quickly you need to deal with finances
  • The adjustments that need to be made to your retirement plan as a widow or widower
  • The potential loss of benefits that could come from losing your spouse
  • Why some clients avoid preparing for widowhood
  • And more!

Tune in to learn more about how to proactively prepare for the situation of widowhood!

Resources: CRIS Financial | John Glowacz | Jim Donewald 


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Episode 15 – A Behind-the-Scenes Look at How Alpha Advisory Monitors Portfolios to Help You Retire Smarter –– With Nick Heinrich



At CRIS Financial, we have a deep bench of professionals that help you plan for your ideal retirement.

In this episode, Jim Donewald talks to Nick Heinrich, a financial planning director at Advisory Alpha, about how his team brings additional depth and infrastructure to support client portfolios at CRIS Financial. You will get rare insight into what Nick and his team look for when reviewing client portfolios, especially in the wake of market volatility and corrections. 

You will learn:

  • The perks of being a client of a smaller financial organization 
  • The features and benefits of asset lock
  • How market volatility and corrections may have impacted your portfolio
  • Unique solutions offered by Advisory Alpha
  • And more!

Resources:  

CRIS Financial | John Glowacz | Jim Donewald | Nick Heinrich | Advisory Alpha


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Episode 14 – Addressing Taxes From An Alternative Perspective



Taxes, tax planning and tax prevention have an impact on your approach to retirement planning.

In this episode, Jim Donewald sits down with guest Michael Siebold from Bell and Associates to get a different perspective on how retirement planning works in this tax-free space. 

In this episode, you will learn:

  • Why tax planning is so important
  • How to address your taxes
  • The shift from long-term care to hybrid long-term care (and the tax implications of making that change)
  • How to get guaranteed lifetime income through insurance
  • Insights about life insurance
  • And more!

Take advantage of Jim Donewald and Michael Siebold’s discussion as they take a new approach to tax planning for retirement!

Resources: CRIS Financial | John Glowacz | Jim Donewald


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Episode 13 – The Emotional Process of Retirement Planning



The retirement planning process can bring up an array of emotions and behaviors when discussing sensitive subjects. 

In this episode, Jim Donewald sits down with guest Jeremy Houser, a consultant at InsurMark, to discuss how their relationship has established a streamlined process for onboarding clients to accomplish straightforward results.

In this episode, you will learn:

  • The starting point to determine if your business and ideal consumer are fit for each other
  • The technology software program that CRIS Financial offers
  • As advisors how we keep it simple and use analytics to analyze a plan
  • How we make clients feel stable and confident in their decisions to solve problems
  • How working with a trusted advisor makes retirement planning easier

Start feeling more emotionally prepared for your retirement plan with Jim Donewald and InsurMark’s Jeremy Houser!

Resources: CRIS Financial | John Glowacz | Jim Donewald | Jeremy Houser 


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Episode 12 – Retirement Awareness Problems



Start becoming more aware of your current financial choices, as it will quickly affect your retirement situation. 

In this episode of Well Rounded Retirement, Jim Donewald discusses the importance of planning ahead to reduce taxes, minimize financial risk and better prepare for retirement.

In this episode, you will learn:

  • What provisional income is and how it works
  • How your social security is subject to taxation 
  • How your life situation affects your IRA savings
  • Benefits of Roth conversions
  • The effects of tax planning
  • And more! 

Stream this episode to feel more confident about your financial awareness for a more secure retirement!

Resources: CRIS Financial | John Glowacz | Jim Donewald


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Episode 11- People Not Diversifying Their Retirement Plan



Having a clear long term strategy of how to diversify your portfolio is important, as it is the foundation of your retirement plan.

In this episode of Well Rounded Retirement, Jim Donewald discusses insights on how to create and maintain a structured retirement plan based on your aligned goals.

In this episode, you will learn:

  • The difference between risk score and goal-based investing
  • The process of the “Quadrant System”
  • The difference between systematic vs. unsystematic risk
  • Embracing vehicles that accomplish your goals
  • Withdrawal strategy – know your budget limitations
  • And more! 

Tune in to learn more about how to strategically plan for the long term!

Resources: CRIS Financial | John Glowacz | Jim Donewald 


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Episode 10 – Racing the Tax Rate Environment — with Guest David McKnight



Do not isolate yourself from the reality of our rising tax rate environment and the impact of those rates on your retirement plan now and in the future.

In this episode, Jim Donewald and his guest David McKnight, the bestselling author of The Power of Zero, discuss some shocking investment insights and provide expert advice on how to retire with certainty. 

In this episode, you will learn:

  • The impact of our national debt on investments
  • The difference between tax-deferred and tax-free accounts—and why tax rates have a huge impact on what you keep
  • How to protect your money systematically before tax rates increase
  • How to get on track to a zero percent tax bracket
  • The importance of multiple streams of income to get to the zero tax-free bucket
  • And more! 

Tune in to learn about how to transform your retirement plan according to take rates!

Resources: CRIS Financial | John Glowacz | David McKnight | The Power of Zero | Look Before You LIRP: Why All Life Insurance Retirement Plans Are Not Created Equal, and How to Find the Right One for You


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Episode 9 – The Biggest Mistakes In Retirement Planning — Part 2



As the world evolves, so does retirement planning. Will your retirement plan work in five years? Ten? Twenty?

In part two of this mini-series, Jim Donewald and John Glowacz dive into the details of how taxes and inflation can impact your retirement planning. Learn more about the different ways your retirement plan can be taxed and the role inflation plays in how much you need to save.

In this episode, you will learn:

  • Changes to retirement plans
  • How different types of retirement savings accounts are taxed
  • How your withdrawals can be taxed
  • How inflation affects your retirement savings
  • And more!

Discover the influences of taxes and inflation today!

Resource: CRIS Financial LLC | john@crisfinancial.com | jim@crisfinancial.com | Episode 8


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Episode 8 – The Biggest Mistakes In Retirement Planning—Part 1



Have you considered the mistake you may be making in your retirement plan? How are you preparing for life events outside of your control?

In part one of this three-part series, Jim Donewald and John Glowacz discuss some of the biggest mistakes many make when planning for retirement. They share the necessity of having a plan and a variety of factors that could influence your choice in tools.

In this episode, you will learn:

  • The importance of having a plan
  • How life expectancy can impact your plan
  • The importance of accounting for inflation in your plan
  • The impact of world events on your plan
  • And more!

Tune in to discover some of the biggest mistakes you may not have considered when planning for retirement!

Resource: CRIS Financial LLC | john@crisfinancial.com | jim@crisfinancial.com |