The Financial Answer with Nathan O’Bryant
The Financial Answer is hosted by Nathan O’ Bryant, founder of O’Bryant & Associates, Inc., an investment advisory firm registered in Tennessee and Arkansas. Drawing on over 20 years of experience in financial planning, Nathan shares insights on a wide range of topics including retirement income strategies, tax planning, market trends, Social Security, portfolio management, and more. The show explores the real questions people face when planning for their financial future, offering clear explanations and thoughtful discussion to help listeners make informed decisions. No topic is off limits as Nathan breaks down both timely developments and foundational principles of personal finance.
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Episodes
Thursday Nov 18, 2021
Thursday Nov 18, 2021
How do we handle financial stress in retirement? Let’s talk through ways we can proactively deal with the stress that comes with retirement.
Read more and get additional financial information: https://thefinancialanswer.com/podcasts/dealing-with-stress-in-retirement/
What we discuss today:
0:52 - Thanksgiving and Christmas is coming!
2:51 - What are the ten most stressful events in your life?
3:51 - How can we proactively deal with the stress?
7:07 - Embrace some new challenges.
9:02 - Keep your options open.
12:24 - Keep a sense of perspective.
14:33 - Work with a qualified professional.
Thursday Nov 04, 2021
Thursday Nov 04, 2021
Can you find the lie? We talk through a few financial situations to see how well you know what’s true and what’s not.
Read more and get additional financial information: https://thefinancialanswer.com/podcasts/financial-truths-and-lies/
What we discuss today:
0:46 - The holidays are upon us.
2:25 - What is happening with Social Security?
6:10 - What does well with inflation?
9:34 - Rising interest rates will hurt who?
11:06 - Your emergency fund should be what?
12:38 - When is a market crash a major problem?
16:45 - What can you expect from Social Security?
Thursday Oct 21, 2021
Thursday Oct 21, 2021
Do you know where your income will come from once you are retired? We talk through income planning for retirement and mention a few things to look out for as you make your plan.
Read more and get additional financial information: https://thefinancialanswer.com/podcasts/retirement-income-planning-essentials/
What we discuss today:
0:57 - Fall is here!
2:50 - Are you planning for a long retirement?
5:26 - Do you want to work all through retirement?
8:11 - Inflation is a real thing.
11:44 - Bonds are going down.
14:50 - Have multiple income streams.
Thursday Oct 07, 2021
Thursday Oct 07, 2021
Think you found a shortcut to your financial goals? Want to cut a corner on your retirement savings? Think again! We talk through common financial temptations and how to avoid them.
Read more and get additional financial information: https://thefinancialanswer.com/podcasts/avoiding-financial-temptations/
What we discuss on this episode:
0:55 - Nathan shares about a recent fishing trip.
4:39 - Carrying too much debt.
8:09 - Are you throwing away the 401(k) match?
10:48 - Have you deferred your taxes?
14:41 - What makes sense with Social Security?
Thursday Sep 02, 2021
Thursday Sep 02, 2021
Are you investing like a genius or are you making every mistake in the book? Let’s talk through five ways you can make wise decisions with your money.
Read more and get additional financial information: https://thefinancialanswer.com/podcasts/1218/
What we discuss on this episode:
1:59 - Avoid making premature IRA withdrawals.
4:50 - Are you allowing lifestyle creep?
7:39 - Overpaying for tuition is a big regret.
12:36 - Retiring too early can hurt retirees.
15:00 - Ignoring the tax-efficient opportunities is a bad idea.
Thursday Aug 26, 2021
Thursday Aug 26, 2021
You don’t know what you don’t know. So, we go over five questions that might shed some light on ways to make your retirement plan better and more efficient.
Read more and get additional financial resources here: https://wp.me/paIiUZ-jy
What we discuss on this episode:
0:41 - Praying for everyone impacted by the floods.
2:55 - How much will taxes cost?
6:29 - How much can I withdraw from savings each year?
9:14 - Should I still have life insurance in retirement?
12:45 - What kind of medical coverage would I need?
17:02 - What value are you getting for the fees you’re paying?
Thursday Aug 05, 2021
Thursday Aug 05, 2021
Everyone has different visions and goals for what they want out of retirement. What kind of retirement do you want? Figuring this out can help you better plan accordingly to make sure you accomplish your goals with your retirement savings.
Read more and get additional financial resources here: https://thefinancialanswer.com/podcasts/understanding-values-based-planning/
What we discuss on this episode:
1:39 - What kind of retirement are you wanting?
4:43 - Do you want to spend and buy in retirement?
7:09 - Do you have big travel plans?
9:52 - Are you helping kids and grandkids with college?
11:53 - What kind of account options do you have?
Thursday Jul 29, 2021
Thursday Jul 29, 2021
Accumulating money is one thing, but decumulation requires a whole different strategy. What do you need to know in order to be successful?
Read more and get additional financial resources here: https://wp.me/paIiUZ-jj
What we discuss on this episode:
1:18 - Let’s talk decumulation.
2:26 - A lack of support could hurt you.
3:59 - The fear of spending is real.
9:10 - What risks could you face?
11:10 - Multiple buckets of money can make a difference.
13:06 - Should we be looking at tax consequences?
15:53 - Leverage your lifetime income.
Thursday Jul 08, 2021
Thursday Jul 08, 2021
What do you need to look out for when it comes to blind spots in retirement? Don’t overlook these key elements that you’ll want to prepare for in your financial plan.
Read more and get additional financial resources here: https://wp.me/paIiUZ-j6
What we discuss on this episode:
0:36 - We’re talking retirement blind spots today.
1:49 - Are you investing in cryptocurrency?
4:27 - Do you expect the market to always go up?
7:05 - Inflation happens over time. Is it here to stay?
9:32 - Medical costs are not all covered by Medicare.
12:38 - Tax increases may happen in the future.
Thursday Jun 24, 2021
Thursday Jun 24, 2021
What should you know about the proposed changes in the SECURE Act 2.0? We discuss a few of the possible impacts to you and your retirement plan.
Read more and get additional financial resources here:
https://thefinancialanswer.com/podcasts/secure-act-2-0/
What we discuss on this episode:
0:44 - Nathan shares about his recent vacation.
2:06 - What RMD changes could happen?
5:53 - Employers could start to auto-enroll us in a 401(k).
8:28 - Catch-up contributions would be added.
11:20 - Matching funds for student loan payoffs are being proposed.
13:44 - A database for orphaned retirement accounts.