Category Archives: Retire

19. Five Key Steps to Take Before You Retire



Don’t make the mistake of retiring too soon! You just might regret it in the future.

To help you find the right time to retire, in this episode, Jose Feliciano and Jeff Feliciano discuss five key steps to take while considering retirement.

Jose and Jeff discuss:

  • Why you don’t want to pull the trigger and retire right away
  • Why cash flow is important for mapping out a retirement budget
  • The dangers of underestimating and reading up on healthcare costs
  • Developing a strategy of how to address Social Security
  • And more

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18. 10 Tips to Help Empower Women Investors



Women still earn less money than men for the same role, but they tend to live longer—which means that every woman should have her own financial plan with her own needs in mind.

In this episode, Jose Feliciano and Jeff Feliciano share ten tips to help empower female investors to have more financial independence now and in the future.

Jose and Jeff discuss: 

  • Why communication is key to making smart decisions with money
  • How to stay organized to maintain access to all important financial documents
  • The importance of putting your plan in writing
  • Why you should understand what you own financially
  • And more

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17. Riding Market Highs



Before making an investment decision, ask yourself, “Should I invest in the market now?” But at the end of the day, investors are being reminded of the importance of focusing on their long-term goals instead of following short-term events.

In this episode, Jose Feliciano and Jeff Feliciano share how investors can use a disciplined approach, focus on long term goals, and make proactive investing decisions in order to ride the market highs all the way to the bank.

Jose and Jeff discuss: 

  • Why investors should embrace volatility
  • How the markets have weathered numerous crises in history
  • Why timing the market does not work but time in the market does
  • Three ways to approach a market high
  • And more

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16. The Important Conversations You Need to Have with Your Parents — Part Three



It’s important to take the time to have important open conversations with your parents about their finances.

In part three of this mini-series, Jose Feliciano and Jeff Feliciano dive deep into how these conversations will bring your family closer together, create structure in your planning and protect your family.

Jose and Jeff discuss: 

  • Why you need to develop a plan for long-term care—even though no one wants to think it will happen to them
  • How to protect your family legacy for generations with proper planning
  • Why you should capture your family stories and history within your overall plan
  • And more

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Episode 15 – Crucial Conversations Around Business — Part 2



Business owners often don’t take the time to call a timeout. But the truth is, it is necessary to focus on a strategic plan for what’s next for the company in the future.

In part two of this mini-series, Jose Feliciano and Jeff Feliciano focus on conversations you need to have with family members and other individuals in your business about the business.

In this episode, you will learn:

  • The difference between fair and equal when it comes to the transition of the business within family members
  • How to communicate the things that are important within the business with key employees
  • The sale of a business—and the options for a business owner
  • And more!

Tune in as Jose and Jeff Feliciano discuss how to enhance communication with your family members and key employees within the business to have those critical conversations!

Resources: Feliciano Financial Group: (903) 533-8585


Episode 14 – The Critical Conversations with Family Members — Part 1



It can be extremely uncomfortable as talking about money with family members. But there are critical conversations that are almost unavoidable that you need to have with your spouse, kids, and parents.

In part one of this mini-series, Jose Feliciano and Jeff Feliciano discuss how to approach those necessary money conversations with family members, and the types of questions to ask to be better prepared for the future.

In this episode you will learn:

  • Why you need to have conversations about finances, retirement, and risk tolerance with your spouse
  • Why you need to have conversations about credit, spending, and budgeting with your kids
  • Why you need to have conversations about finances, health care, living circumstances with your parents
  • And more!

Tune in as Jose and Jeff Feliciano discuss how to enhance communication with your loved ones to have those critical conversations!

Resources: Feliciano Financial Group: (903) 533-8585


Episode 13 – Common Questions That Investors Should Ask Advisors – Part 2



Whether you are interviewing a new financial advisor or already working with someone, there are some important questions you should be asking to make sure that these professionals are covering and addressing your needs.

In part two of this two-part mini-series, Jose Feliciano and Jeff Feliciano continue to address the questions that you should be asking your financial advisors.

In this episode you will learn:

  • The types of certificates and licenses financial advisors can possess
  • Why investors should be asking if the financial advisor works individually or on a team
  • Why you should know how many clients an advisor serves
  • The importance of communication in the relationship
  • And more!

Tune in as Jose and Jeff Feliciano share how to find the best financial advisor for you! 

Resources: Feliciano Financial Group: (903) 533-8585


Episode 12 – Common Questions That Investors Should Ask Advisors – Part 1



One of the most important decisions that families and business owners can make in their lifetime is aligning with the right financial partner to help guide you through your life financially and making smart choices with money.

In part one of this two-part mini-series, Jose Feliciano and Jeff Feliciano discuss some of the very important questions to ask when choosing the right financial advisor for you and your needs. These questions will give you insight on philosophy, capabilities, resources and more!

You will learn:

  • Why it is so important to learn why advisors started their firm
  • The specific services offered by financial advisors
  • How the advisors investment philosophy ties into making smart decisions with money
  • The details of fiduciary obligation to work in the clients best interest based on credentials
  • And more!

Tune in as Jose and Jeff Feliciano share how to find the best financial advisor for you! 

Resources: Feliciano Financial Group: (903) 533-8585


Episode 11 – How To Focus on Your Financials Now



Let’s face it, life does get busy—but it is important to stay accountable when organizing your financial situation, here and now.

In this episode, Jose Feliciano and Jeff Feliciano have a conversation about what individuals need to hear to help them continue to protect their money.

You will learn:

  • What needs to happen to your 401(k) if you lose your job
  • What you should consider with ETFs
  • How Feliciano Financial selects mutual funds for clients
  • Some of Jose and Jeff’s best investing advice
  • And more!

Tune in as Jose Feliciano and Jeff Feliciano discuss what can happen if you don’t pay attention to your money!

Resources:  Feliciano Financial Group: (903) 533-8585


Episode 10 – Saving Versus Investing



There are a lot of people that take more risks with their savings than they need to in order to guarantee they don’t run out of money in retirement. 

In this episode, Jose Feliciano and Jeff Feliciano share the difference between saving versus investing for retirement, and help listeners understand what volatility means to set the right expectations in your investment plan.

In this episode you will learn:

  • The difference between saving and investing when it comes to your retirement plan
  • How to keep volatility in mind when creating your plan
  • How to decide how much to invest into different vehicles
  • How to understand the different levels of risk in different areas
  • And more!

Tune in as Jose Feliciano and Jeff Feliciano discuss how to avoid losing all your money when preparing for retirement!

Resources:  Feliciano Financial Group: (903) 533-8585 | Secrets of the Millionaire Mind