Charleston's Retirement Coach

One checklist of what to do 5 years before retirement sums it up by saying, “Know what’s coming in, know what’s going out, and have a plan for taxes and healthcare.” It seems simple enough, but what could you be missing?

Charleston’s Retirement Coach, Brandon Bowen, digs deeper to sort through the “easy items” and “tough stuff” you need to address within your own plan.

Learn ways to identify and organize your financial needs, wants, and risks. Go beyond the basics and address income longevity, stock market risk, and sequence of return planning. Whether you have $500,000 or $5 million, take actionable steps to help avoid financial blind spots within your plan.

Visit BowenWealth.com  to schedule time with Brandon and begin your personalized retirement gameplan.

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On this episode Charleston’s Retirement Coach, Brandon Bowen, tackles the growing fear of rising taxes and how it could impact your retirement.

Learn why traditional savings like 401Ks might suffer from future tax hikes, discover how proactive planning across different tax accounts could reduce your tax burden, and hear ways to identify whether your advisor is costing you money while missing growth opportunities.

Visit BowenWealth.com and take action against the “taxman” and his plans for your savings.

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“Moving on” has been a theme among some big names in sports, including Alabama football coach Nick Saban. We hear from Coach Saban and what made him realize it was time to move on to retirement, to the surprise of many Tide fans.

Brandon parallels the idea to the surprise for someone who finds out their advisor is moving on or retiring themselves. He shares the challenges that can come like being passed around to different junior advisors, or having to work with someone who doesn’t understand your goals and objectives.

As you move closer to retirement your needs change. At Bowen Wealth they can help you shift from growth to income and create strategies for the other areas you need to have covered in your later years.

Visit BowenWealth.com to learn ways to create a smooth transition into retirement.

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If you made a New Year’s resolution, there’s a good chance you’ve abandoned it by now… about 43% of us do by the end of January! The main reason is that we’re not being held accountable by anyone to keep it.

In this episode, Charleston’s Retirement Coach Brandon Bowen talks about the ways he helps keep his clients accountable to their financial goals. Brandon shares how having a disciplined approach to your financial goals is crucial for retirement and his belief of how “discipline now can lead to freedom later.”

Explore the significance of accountability and the role of a comprehensive retirement plan to help create steady income during retirement.

Turn your financial resolutions into reality! Visit BowenWealth.com and take the first step towards building your retirement game plan in 2024.

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In this episode, Brandon Bowen discusses crucial strategies to help you better prepare for your financial future and navigate the challenges of retirement.

Join as he discusses the TIAA (Teachers Insurance and Annuity Association of America) controversy, emphasizing the importance of a fee analysis to reveal hidden costs and enable you to make more informed decisions about your financial future.

Explore essential elements of a comprehensive retirement plan, from designing surplus income to covering expenses to reducing market risk. Brandon shows how a "boring" portfolio may be just the thing you need for a happy retirement.

If you're uncertain about your retirement plan, visit BowenWealth.com to schedule a fee X-ray on your portfolio.

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Join Charleston’s Retirement Coach Brandon Bowen as he explains the art of creating a retirement plan that's both disciplined and dream filled.

Brandon shares how he prioritizes honest conversations with his clients so that he can understand their personal aspirations and better customize their individual financial plans.

From market crashes to unexpected windfalls, Brandon showcases how a living, breathing retirement plan evolves with your life. He gives insight into navigating the delicate balance between disciplined financial decisions while also allowing yourself the freedom to enjoy the retirement you've envisioned.

Whether it's a second home, a dream vacation, or a golf membership, visit BowenWealth.com to learn ways to better incorporate your dreams within your overall retirement strategy.

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Join Brandon as he discusses crucial strategies to prepare for your financial future, especially in the face of rising inflation. From unexpected expenses to the impact of inflation on daily costs, he breaks down the complexities of retirement planning, especially for couples entering this next phase.

Discover why inflation is a critical factor to consider and how it can sneak up on your retirement expenses. Learn the significance of stress-testing your plan and the role of investments in the game of retirement.

Brandon shares actionable steps from investment strategies to addressing rising living costs, all in effort to help you understand how much you’ll be able to spend.

If you’re contemplating retirement but feeling uncertain, visit BowenWealth.com to learn more about navigating the evolving financial landscape.

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In this episode, we delve into the concept and challenges associated with retiring early—a dream harbored by many.

Brandon shares his observations on clients who, despite having saved substantial amounts, hesitate to take the leap into retirement and not just because they fear running out of money…

Digging into the psyche of retirees, he unveils the mental barriers that hold people back like the identity crisis some face when contemplating retirement and how their attachment to work roles and titles can become a stumbling block, hindering the transition to a life of leisure.

Pre-retirees should ask themselves:

Does working one more year with a busy schedule really make a difference, when you can retire now, maintain the same income, but live life on your own terms?

The episode emphasizes the importance of stress testing financial plans, addressing risks, fees, and the need for a solid income replacement strategy.

If you’re contemplating retirement but feeling uncertain, visit us at BowenWealth.com and begin the conversation towards better securing your financial future.

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In this episode, Brandon shares a recent exchange with a car mechanic, showcasing the dealership's commitment to transparency and customer safety. He uses the experience to point out the similarities between auto repair language and the complexities of financial advice, highlighting the fear and intimidation people often feel in both scenarios.

Much like the car owner's fear of deceptive mechanics, individuals often worry about navigating the complexities of financial advisors. The importance of transparency and a comprehensive risk and fee analysis becomes evident to help ensure financial confidence.

If you've been contemplating a second opinion on your financial portfolio, go to BowenWealth.com to start a conversation about securing your financial future with confidence.

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Just as a Thanksgiving feast brings joy and fulfillment, your retirement should also be a time of happiness and abundance!

On this episode, Brandon draws the parallels between preparing a holiday feast and crafting a successful retirement income plan. Gather around as we discuss the “entrée” and “sides” for your financial future.

Just like a well-balanced meal, your retirement income plan should have various components. Brandon discusses maximizing Social Security, exploring fixed indexed annuities, alternative investments, real estate, and dividend stock portfolios. It's an array of flavors tailored to your specific situation, ensuring a steady income stream during retirement.

Connect with Brandon and his team at BowenWealth.com to begin exploring what key ingredients will help satisfy your retirement goals and dreams.

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A tiny Georgia restaurant is in the news over the fee they’re charging customers who bring in unruly children. The story sparks a conversation about the fees you pay on your retirement savings…whether or not you know it.

Many investors have minimal understanding of the fees associated with their portfolios. Brandon highlights three common areas where fees hide and explains the hefty toll these hidden fees can take on your financial outcome.

If you're concerned about hidden fees eroding your retirement savings or curious about the true costs of managing your investments, connect with Brandon and his team at BowenWealth.com to start your journey towards financial clarity today!

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Holiday candy has started piling up and the seasonal feeding frenzy has begun. But this time of year is not just about treats; it's also about tricks to make your money work harder!

Instead of feeling guilty about indulging, let's explore opportunities to make strategic moves for your finances…In this episode of Charleston’s Retirement Coach, Brandon Bowen discusses some key strategies to consider for end-of-year financial planning.

We hear from personal finance guru Suze Orman, who's looking at bonds as a potentially attractive investment in the current environment.

Brandon also shares an interesting perspective on how many people overestimate their willingness to endure market volatility until they're faced with red numbers in their portfolios. He also shares how he works to calculate the "income efficiency score" of his clients’ portfolios to measure how effectively they will generate income in retirement.

Connect with Brandon and his team at BowenWealth.com to learn how to calculate your retirement “income efficiency score.”

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Many investors who’ve worked with financial professionals have longstanding relationships with their advisors, who’ve served them well during their working years. However, as they approach retirement, they might begin to question if they're still getting the service they need for this next phase of life.

In this episode, financial advisor and retirement planner, Brandon Bowen discusses how, just as your needs in doctors change, the type of financial advisor you need may also be different.

Even if you are fond of your current advisor, it is important to get a second opinion on your plan to understand what options you might have for creating income streams, filing for social security, and tax and legacy planning.

Connect with Brandon and his team at BowenWealth.com for a second opinion on your savings and investments.

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In this episode, Charleston’s Retirement Coach, Brandon Bowen, delves into the perplexing world of bond market trends noting the current inverted yield curve and how it often predicts recessions.

But how does this affect your retirement savings?

Brandon offers a fresh perspective to understanding your portfolio by treating it like you would the temperature settings on your oven:

• Should you go low and slow with conservative investments?
• Embrace the middle ground?
• opt for higher-risk strategies for specific financial goals?

He explains ways to tailor your investment strategy, utilizing exclusive Market Guard portfolios, to help you achieve your unique goals while also working to ensure that your income needs are met.

Looking to build balance into your retirement accounts? Connect with Brandon and his team at BowenWealth.com, and start making your path to a fulfilling retirement.

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In this episode, Charleston’s Retirement Coach, Brandon Bowen delves into what he calls "rocking chair regrets" and how he wants everyone to avoid them.

Through the story of a couple he knows, who postponed retirement only for the husband to pass away shortly after, he highlights the importance of making the most of your years while you have them.

Brandon also discusses the fears that keep some people in jobs they dislike and the critical role financial planning plays in retiring sooner and living life to the fullest. Discover how better Social Security strategies and income-focused portfolios can help make your retirement dreams a reality.

If you're feeling stuck in your job and dreaming of retirement, connect with Brandon and his team at BowenWealth.com, and start making those dreams a reality.

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Social Security is a vital part of retirement planning for many Americans. But with so many different filing strategies available, it can be tough to know which one is right for you.

In this episode, Brandon shares insight on how to find what Social Security filing strategy may work for your individual needs.

Brandon discusses the different factors to consider when choosing a filing strategy, such as your age, health, income, and retirement goals.  He also explains how to avoid some of the common pitfalls of Social Security planning.

Before you file for Social Security, connect with Brandon and his team at BowenWealth.com, to begin the conversation about your filing options and building a retirement income plan customized to your goals.

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The financial landscape is changing, and traditional market wisdom may not hold true anymore. In this episode, Brandon dives into the disconnect between the stock market and the economy and the importance of caution in your investment approach.

Brandon also shares the reasons he believes you may want to give annuities a second look. Annuities are often misunderstood but have evolved and now offer many compelling benefits for retirees, especially in today's economic climate.

Brandon breaks down the advantages of annuities compared to traditional low-yield bond funds, how they could provide principal protection with reliable growth (even in uncertain times), and their role in building a diversified retirement portfolio.

If you’re ready to build an income plan for your retirement, connect with Brandon and his team at BowenWealth.com, to begin the conversation today.

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#wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth

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In this episode of Charleston’s Retirement Coach, we dive into the intriguing story of Nike's gamble with the Air Jordan line and how it paid off big time.

But when it comes to your financial future, should you rely on gut feelings? 

For Brandon Bowen, the answer is a resounding no.

Brandon discusses how meticulous planning, a well-crafted income plan, smart investment strategies, and tax planning can help safeguard your retirement years. He also shares a heartfelt story about unexpected life events and the importance of having a solid financial plan in place to endure these kinds of rough waters.

Gain insight on ways to help secure your financial future and connect with Brandon and his team at BowenWealth.com.

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Retirees are benefiting from an 8.7% increase in Social Security benefits due to the largest cost-of-living adjustment (COLA) in decades. But there's a catch – this boost can also push seniors into higher tax brackets, aka a "stealth" tax.

In this episode, Charleston’s Retirement Coach Brandon Bowen shares what stealth taxes are and how they could affect your retirement, while shedding light on steps you can take to help protect your money utilizing strategies like Roth conversions.

Brandon also explains the progressive tax system, debunks common misconceptions about tax brackets and provides insight on ways you may be able to reduce future tax liabilities through proactive financial planning.

Learn how to navigate the intricacies of tax-efficient retirement planning and make informed decisions to optimize your income while keeping Uncle Sam at bay.

Don't fall into the victimhood mentality – empower yourself with knowledge to optimize your retirement income. Connect with Brandon and his team at BowenWealth.com.

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In this episode, Charleston’s Retirement Coach, Brandon Bowen, takes you on a journey to understand the hidden fees that might be lurking in your 401(k) plan, which could impact your retirement savings more than you realize.

Join the conversation as he breaks down the startling statistics about fee misconceptions and the impact of high fees on your future income. Discover how seemingly minor fees can lead to significant losses over time and hinder your financial progress.

Utilizing real-life examples, Brandon shares insight to navigate these challenges while offering guidance to optimize your retirement strategy. Learn how to shine a light on your 401(k) plan, explore cost-effective alternatives, and make informed decisions that can potentially save you thousands of dollars.

Ready to uncover the truth about your 401(k) fees? Connect with Brandon and his team at BowenWealth.com.

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