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The Financial Breakaway Podcast is your guide to breaking free from the confusion of the financial world and unlocking your path to a more confident retirement plan. Join me as I look to empower mid-career to retirement-aged individuals, just like you, through engaging conversations about what retirement means to you and then how to build a retirement plan that fits. While crucial topics like investing strategies, tax planning, withdrawal strategies, and social security will be discussed, I believe that your personal goals, desires, and lifestyle are equally vital. In this podcast, I’ll help you bridge the gap between financial strategies and your individual aspirations, merging the two to create your very own ”financial breakaway.” ----------1200 N. Mayfair Rd, Ste. 300, Milwaukee, WI 53226 414-253-4600. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA (www.finra.org) SIPC (www.sipc.org). Osaic Wealth separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth does not provide tax or legal advice. This communication is strictly intended for individuals residing in states of CO, FL, GA, MI, MN, MO, MT, NC, TX, and WI. No offers may be made or accepted from any resident outside the specific state(s) referenced. PLEASE NOTE this information being provided is strictly as a courtesy.
Episodes
Friday Dec 01, 2023
Friday Dec 01, 2023
Join me on this episode of the Financial Breakaway Podcast as we dive deep into "Social Security Essentials: 3 Must-Know Topics for Effective Retirement Planning." As you near retirement, it's crucial to understand the intricacies of Social Security and how it fits into your overall financial plan. I'll guide you through the complexities and strategies to make the most of your Social Security benefits.
In this episode, we'll cover:
• 🕒 My insights on the Optimal Claiming Age: Weighing the benefits of claiming early versus delaying, tailored to your unique situation.
• 👫 Strategies for Coordinating Spousal Benefits: I'll show you how couples can maximize their combined retirement income through smart planning.
• 💰 Techniques for Managing Social Security Taxation: I'll share ways to handle and potentially reduce the tax impact on your Social Security benefits.
By the end of our time together, you'll have a clearer understanding of how to approach these essential Social Security decisions, setting you up for a more secure and confident retirement. Join me to unlock these vital retirement planning strategies!
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results.
Securities and investment advisory services offered through Osaic, Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Wednesday Nov 22, 2023
Wednesday Nov 22, 2023
Join me as I help unlock the secrets of the "Bucket Approach" to retirement planning. After decades of diligent savings, are you prepared to transition from the accumulation phase of your life to the distribution phase? This episode sheds light on the challenges retirees face and offers a structured solution to ensure your investments serve you effectively throughout your golden years.
Dive into:
• 📈 The shift from career mode to retirement mode and its challenges.
• 💡 Basics of the "Bucket Approach" and its advantages in retirement planning.
• 🛠️ Constructing and maintaining your investment buckets: short-term, intermediate, and long-term.
• 🔄 The importance of regular reviews and rebalancing to adapt to changing market conditions.
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results.
Securities and investment advisory services offered through Osaic, Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Wednesday Nov 01, 2023
Wednesday Nov 01, 2023
Join me in this episode as I unravel the mystery behind retirement planning by addressing the fundamental question: "How much do I need to retire?" I dive into the complexities of retirement income planning and offer a unique perspective on determining your retirement needs.
By examining the three distinct stages of retirement—Go-Go, Slow-Go, and No-Go—I provide a framework for understanding the changing financial demands of each phase. Gain valuable insights on how to align your financial resources with your evolving lifestyle goals, ensuring a fulfilling and secure retirement.
Get ready to navigate the path to financial freedom and unlock the key to retirement success.
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results.
Securities and investment advisory services offered through Osaic, Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Thursday Oct 05, 2023
Thursday Oct 05, 2023
In today's special pre-launch episode, I have some thrilling news! "The Financial Breakaway Podcast" is relaunching with a fresh focus: "Your Clear Path to Retirement." Since its humble beginnings in 2019, this podcast has grown immensely, achieving 30 episodes and garnering thousands of downloads.
Your valuable feedback, combined with my passion for financial planning, has inspired a refined vision for the podcast. The content will now prioritize empowering individuals like you with the knowledge and tools to make confident decisions for a secure retirement.
In addition to the usual audio content, the podcast will now be available in video format on YouTube as well. As we embark on this renewed journey, I'm eager to continue exploring pertinent retirement topics and connecting with insightful guests. Stay tuned for the next chapter and the official relaunch!
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results.
Securities and investment advisory services offered through Osaic, Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Thursday Oct 13, 2022
Thursday Oct 13, 2022
00:45 - Intro
01:45 - Observation 1: Inflation hurts retirees more
2:20 – Sidetrack: What is Inflation?
05:30 - What can we learn: Find your own “Personal Inflation Rate”
08:31 - Observation 2: Social Security COLA adjustment isn’t as advertised
10:45 - What can we learn: How to figure out what your NET Social Security COLA really is
13:52 - Observation 3: The biggest risk for retirees is happening to people for the first time in a long time
17:00 - What can we learn: Strategies to protect against this risk
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF), member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Friday Oct 07, 2022
Friday Oct 07, 2022
2022 has been a tough year all around. So in this episode, I'm breaking down three observations I've seen so far in 2022 for mid-career individuals and what we can learn from those observations. I try to explore these observations and lessons learned through a financial planning lens for the everyday person.
01:00 - Intro
02:20 - Observation 1: Traditional backup savings plans don't cut it
03:25 - What can we learn: How to create a good backup plan AND a backup, backup plan
05:22 - Observation 2: Not diversified enough in your investments
06:40 - What can we learn: How earmarking accounts and addressing risk according to that account can help
08:00 - Observation 3: Seeing an opportunity to be opportunistic
08:50 - What can we learn: Strategies to take advantage of down markets to better your long term financial plan
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF), member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Friday Sep 30, 2022
Friday Sep 30, 2022
2022 has been a tough year all around for people. Headwinds such as the lingering effects of COVID-19, rising interest rates, rising inflation, rising commodity prices, the Russia/Ukraine War, falling stock and bond market, and then an economy that seems to be having a hangover in general. It has been a lot.
With all this going on, it has been hard to conceptualize how it all works together and how it affects you financially (you as an everyday person). In this episode, I'm breaking down three observations I've seen in the investment markets and following that up with what we can learn from those observations. I try to explore these observations and lessons learned through a greater financial planning lens for the everyday person.
01:00 - Intro
02:55 - Observation 1: Equity markets have had their worst start in 50 years
03:40 - What can we learn: Let’s let history be our guide (look at the SP500 from 1942-until today…80 years)
05:12 - Observation 2: The Bond market has been crushed & this is actually a bigger deal
07:33 - What can we learn: Definitely should’ve been looking at your bond holdings but if you haven’t, there’s still time
08:30 - Observation 3: Volatility
09:12 - What can we learn: In the last 20-plus years, 21 of the 25 worst trading days were followed within a month by one of the best 25 trading days
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF), member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Friday Jul 08, 2022
Friday Jul 08, 2022
Conversation between Ryan Hitchcock, Financial Planner at Hight Point Capital Group, and Bryce Gill, Economist at First Trust:
02:45 - Intro on Inflation & Market
04:45 - Great Moderation or Globalization
Long-term inflation outlook
Supply chain War in Europe
12:50 - Fed and interest rates
14:45 - The Monetary Tailwind is Ebbing
M2 Money Supply
Stagflation
18:30 - YOU SHOULD LISTEN TO THIS PART!
24:30 - A Recession Unlike Any Other
30:20 - Services Can Keep US Out of Recession:
39:30 - Housing Market on Economy 39:30
Wealth Effect
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF), member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Wednesday Jun 01, 2022
Wednesday Jun 01, 2022
Investing in the New Normal Series -- COVID-related shutdowns distorted the economy vs where it was before COVID and we are still trying to adapt to this world. The question now is; how do we, as investors trying to save for our future, navigate and invest in it? Let's learn from real people living and working in this "new normal" to help provide a unique perspective on what's going on.
Early on in the COVID crisis gyms and fitness facilities were closing at higher rates than almost any other industry, including bars and restaurants. Thus came the boom of the at-home fitness industry, which some were saying would be the end of future in-person gyms. Fast forward two years, in-person gyms have re-opened, but at what rate? How have they changed? How is the industry accommodating for both at-home and in-person; and is it a zero-sum game?
Mike Wojciechowski & Jamie Eischen, owners of Brew Fitness Shorewood come on the episode and help answer those questions. Mike and Jamie share their inspiring story of going out on their own and opening an in-person gym in the midst of a pandemic, and in the face of naysayers. Their gym aims to focus on community as much as they do fitness offering structured strength classes that include power lifting, high-intensity interval training, strength circuits, and yoga. Full of valuable information. Enjoy!
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For more information:
- Ryan Hitchcock: www.rhitch.com
- Brew Fitness Shorewood: https://www.facebook.com/brewfitnessshorewood
- Jamie Eischen: https://www.facebook.com/jamie.eischen
- Mike Wojciechowski: https://www.facebook.com/mike.wojciechowskiotf
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF), member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.
Wednesday Jun 01, 2022
Wednesday Jun 01, 2022
Investing in the New Normal Series -- COVID-related shutdowns distorted the economy vs where it was before COVID and we are still trying to adapt to this world. The question now is; how do we, as investors trying to save for our future, navigate and invest in it? Let's learn from real people living and working in this "new normal" to help provide a unique perspective on what's going on.
People are spending more time listening to podcasts, more and more podcasts are being produced, and because of this; more and more money is being spent on podcasts. Therefore, podcasts are a big business. Did COVID have anything to do with this growth? How are podcasts affecting the marketing industry? Marketing creates sales, and sales fuel the economy; are podcasts helping in this new world we find ourselves in?
Richie Burke is an expert in marketing and podcasts so in this episode, he helps answer these questions. Richie hosts a top podcast, the GoGedders Podcast, which has had hundreds of thousands of downloads in only a few short years. He also runs a successful marketing agency, GoGeddit Marketing and Media, which does podcast production, digital advertising, marketing automation, web design, and brand strategy. An amazing background and an episode full of valuable information. Enjoy!
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For more information:
- Ryan Hitchcock: www.rhitch.com
- Richie Burke - GoGeddit Marketing and Media: https://ggmm.io/
- The GoGedders Podcast: https://ggmm.io/the-gogedders-podcast/
Ryan Hitchcock
Financial Planner
High Point Capital Group
Direct: 414-253-4611
rhitch@hpcg.com
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is not a guarantee of future results. Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF), member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF.
1200 N. Mayfair Rd., Suite 300, Milwaukee, WI 53226. Phone: 414-253-4600.