You’re Not Dead Yet

6 Signs You Need a Financial Advisor

One of the most common misconceptions about financial planning and working with a financial advisor is that they are only for the ultra-wealthy. That simply isn’t true - but how do you know if you should get professional help? Chris walks through the 6 Signs you should consult an advisor.
Download Guide To Market Volatility: https://premieriwm.com/guide 
Follow YNDY:  https://www.facebook.com/yourenotdeadyetpodcast/   
Song of The Week: https://www.youtube.com/watch?v=JA2JdSP7wyg 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced is historical and is not a guarantee of future results.
All indices are unmanaged and cannot be invested into directly.
Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
This recording contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your financial professional. This video is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional.
Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 and a half and has held their Roth IRA for at least five years.

Navigating Market Volatility

The market's up, the market's down — what gives? In this episode, Chris breaks down what market volatility really means, why it happens, and how you can stay calm (and maybe even take advantage) when the markets get shaky.
Download Guide To Market Volatility: https://premieriwm.com/guide 
Follow YNDY:  https://www.facebook.com/yourenotdeadyetpodcast/   
Song of The Week: https://youtu.be/Gv2txA_w204?si=Eua1OoiFFiZo80gh 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced is historical and is not a guarantee of future results.
All indices are unmanaged and cannot be invested into directly.
Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Planned Giving Strategies

Chris discusses different ways to use your investments for your charitable desires. Plus a discussion with Leah Swanson, Executive Director of the Leukemia & Lymphoma Society, Red River Region on ways to give back in your community.  
Follow YNDY:  https://www.facebook.com/yourenotdeadyetpodcast/   
More Information on LLS: https://www.lls.org/rdrv 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
Leah Swanson and LLS are not affiliated or endorsed by LPL Financial or Premier Investments & Wealth Management.
All performance referenced is historical and is not a guarantee of future results.
All indices are unmanaged and cannot be invested into directly.
Asset allocation does not ensure a profit or protect against a loss.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

How Much Cash Should You Have?

With the recent volatility and uncertainty in the market loading up on cash may seem like a good strategy, but like your favorite dessert, is there a downside to having too much of a good thing? Chris walks through 3 reasons to examine your cash allocation. 
Follow YNDY:  https://www.facebook.com/yourenotdeadyetpodcast/   
Song of The Week: https://www.youtube.com/watch?v=NFCsuDcWqY0 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced is historical and is not a guarantee of future results.
All indices are unmanaged and cannot be invested into directly.
Asset allocation does not ensure a profit or protect against a loss.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

How To Retire Before Age 60

You’re in your 50s, you’ve done a great job saving, and you’re ready to retire, there’s just one problem… all of your money is in your 401(k). So now you are faced with two choices: 1. You can keep working until you reach the IRS’s magical age of 59 ½ or 2. You can retire early and pay a 10% early withdrawal penalty on any withdrawals from your 401(k). Neither sound ideal. But what if there was a third choice? Chris dives in to two strategies for drawing income from your 401(k) before age 60.
Follow YNDY:  https://www.facebook.com/yourenotdeadyetpodcast/   
Song of The Week:  https://www.youtube.com/watch?v=mQIZ-Esbg_c 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced is historical and is not a guarantee of future results.
All indices are unmanaged and cannot be invested into directly.
Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 and a half and has held their Roth IRA for at least five years.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

5 Strategies To Help You Money Last As Long As You Do

According to a 2024 survey by Allianz Life, 63% of Americans are more concerned about running out of money than death.
That's understandable as we don't know how long we'll live, our future costs, and what kind of returns we can expect on our investments and savings. At this point, we don't even know what tax rates will be next year, let alone 20 years down the road. 
This week Chris breaks down the different considerations and financial planning strategies to help you plan for a long life.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=kPa7bsKwL-c 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 and a half and has held their Roth IRA for at least five years.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Basics of Debt Management

Americans are carrying more debt than ever, with credit card balances, student loans, and delinquencies on the rise. In this episode of You're Not Dead Yet, we cover the difference between good and bad debt, common credit card pitfalls, and strategies for paying down balances. Plus, we’ll dive into credit scores—how they work and how to improve yours.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=NiF6-0UTqtc 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 and a half and has held their Roth IRA for at least five years.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Save or Spend? How to Utilize Your Tax Refund

Tax season often brings a little extra money in the form of a refund. While it’s tempting to splurge on something fun, using your refund strategically can help you build a stronger financial foundation. The two most popular options: saving for retirement or paying down debt. Which one should you choose? Chris breaks down the considerations for both sides.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=T7LoWH0nMrE 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 and a half and has held their Roth IRA for at least five years.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

3 Reasons You Should Have a Budget

Budgeting is not a fun activity for most, but when it comes to your overall financial outlook, a solid budget is the starting point for you financial roadmap. From buying a home, to saving for college or retirement, every financial goal starts at your budget. Chris shares 3 benefits of having a budget.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=VcjzHMhBtf0 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

5 Tips For Balancing Spending & Saving

In the first episode of the new year, Chris answers questions from listeners on finding balance in enjoying your money in retirement while planning for longevity, and whether a Roth 401k makes sense. 
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=Y0Yg9wjctRw 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.