Tag Archives: CRIS Financial

Episode 12 – Retirement Awareness Problems

December 2, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, planning, podcast, retire, retirement, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

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

November 18, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, planning, podcast, retire, retirement, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

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

November 4, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

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

October 21, 2020Finance, Finances, Financial, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

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

October 9, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

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 |

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Episode 7 – Using Annuities as Financial Tools

September 23, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, podcast, retire, retirement, retirement plan, retirement planning, retirement savings, taxes, Well Rounded Retirement Podcastwellroundedretirement

An annuity is a payment agreement between an individual and an insurance company, which agrees to make a lump-sum payment, or a series of payments, to receive disbursements.

In this episode, Jim Donewald and John Glowacz bust several annuity myths while revealing strategies you can use to maximize and organize your annuity wealth.

In this episode, you will learn:

The tax impact on annuities
How insurance companies help with annuity income
At what age annuities should be considered
How to use annuities as long-term investments
And more!

Tune in as Jim and John explain how an annuity can become a lifetime income!

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

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Episode 6 – The Ups And Downs of Market Volatility

September 9, 2020Finance, Finances, Financial, Taxes, UncategorizedCOVID-19, CRIS Financial, future, planning, retirement, retirement plan, retirement planning, retirement savings, taxes, Well Rounded Retirement Podcastwellroundedretirement

Preparing for uncertainty is a necessity in all financial plans.

In this episode, Jim Donewald and John Glowacz discuss how market volatility can impact your financial plan. They provide examples of why you should plan for uncertainty and the importance of understanding your portfolio risk.

In this episode, you will learn:

The importance of balancing your investments according to your goals
The importance of stress testing your portfolio
The importance of planning for uncertainty
How market volatility can benefit you
And more!

Discover the importance of planning for market volatility!

Resources: CRIS Financial, LLC: (281) 665-3081 | john@crisfinancial.com | jim@crisfinancial.com

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Episode 5 – The Solution Series — Part One

August 26, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, planning, podcast, retire, retirement, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

Understanding why you make certain financial decisions is very important in helping you reach your goals. But do you know what the true goal of your investment portfolio is?

Jim Donewald and John Glowacz discuss how your portfolio should work within your retirement plan. They reveal the importance of not relying solely on investments and how market changes truly impact your portfolio.

In this episode, you will learn:

Four steps to increase your retirement income
How investing works with market growth and downfalls
The importance of dividing your money across savings vehicles
How you should treat your portfolio
And more!

Tune in now to learn more about your portfolio during retirement!

Resources: CRIS Financial, LLC: (281) 665-3081 | john@crisfinancial.com | jim@crisfinancial.com

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Episode 4 – Don’t Let A Long-Term Care Event Ruin Your Retirement

August 12, 2020Finance, Finances, Financial, Taxes, UncategorizedCRIS Financial, future, Jim Donewald, John Glowacz, money, planning, podcast, retire, retirement, retirement plan, retirement planning, retirement savings, Well Rounded Retirement Podcastwellroundedretirement

Throughout retirement, there are a number of factors that you need to consider that may pose a risk to your savings, and it is critical to ensure you are prepared in case something happens.

Today, Jim and John discuss how long-term care can ruin your retirement without proper preparation. They reveal options for long-term care that you may have never considered and why it is important to prepare.

In this episode, you will learn:

Financial challenges you could face in retirement
Why you need to forget the “use it or lose it” mentality
The importance of long-term care insurance in retirement
Financial options for long-term care
The benefit of annuities
And more!

Discover why planning for long-term care could save your retirement.

Resources: CRIS Financial

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Episode 3 – How Much Are You Truly Saving For Retirement?

July 29, 2020Finance, Finances, Financial, Taxes, UncategorizedCOVID-19, CRIS Financial, future, Jim Donewald, John Glowacz, money, planning, podcast, retire, retirement, retirement planning, retirement savings, taxes, Well Rounded Retirement Podcastwellroundedretirement

Do you know how much you are paying in taxes on your retirement savings?

In this episode of the Well Rounded Retirement Podcast, Jim Donewald and John Glowacz discuss taxes, including how your retirement savings can be taxed and the variety of retirement accounts. They share stories from clients and advice for those with questions about taxes.

In this episode, you will learn:

How planning for retirement has changed
How COVID-19 will affect taxes
How retirement funds are taxed
The importance of creating a retirement plan
And more!

Tune in now as Jim Donewald and John Glowacz reveal how much of your savings are potentially going to taxes!

CRIS Financial, LLC: (281) 665-3081 | john@crisfinancial.com | jim@crisfinancial.com

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