Tag Archives: Planning

23. The End of Year Review Process



Most people do their financial and tax planning at the beginning of the year to set goals for the year, big expenses for the year, and much more. 

But more often than not, what people don’t realize is sometimes the most important review that you can do is at the end of each year.

In this episode, Jose Feliciano and Jeff Feliciano discuss good practices for your year-end review in order to take advantage of time-sensitive opportunities, and why your tax strategies should be addressed at the year-end in order to prepare for the future..

Jose and Jeff discuss: 

  • The importance of the end of year review––and what the process should look like
  • Why should you be proactive with your tax planning
  • What you should focus on at the end of the year
  • The importance of revisiting your company retirement plan
  • And more

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22. Planning for the Unexpected, Part Two



If the past year and a half has taught us anything, it is that life is full of unexpected events and changes, including personal emergencies, world events, potential health issues and much more.

In part two of this series, Jose Feliciano and Jeff Feliciano continue their discussion about planning for the unexpected. In this episode, they share their advice about what to do in the case of an unexpected job loss or forced early retirement, and how to ensure that your financial plan will protect you in case of either event. 

Jose and Jeff discuss: 

  • The options available in an your retirement package offered by your employer
  • How to manage a salary gap if you end up unemployed in your employment years
  • Different financial options available to you when you lose your job or are forced into early retirement 
  • And more

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21. Planning For The Unexpected, Part One



If the past year and a half has taught us anything, it is that life is full of unexpected events and changes, including personal emergencies, world events, potential health issues and much more.

But, do you have a structured plan in place to prepare for the unexpected, to keep you on track and calm during times of uncertainty?

In this episode, Jose Feliciano and Jeff Feliciano discuss how to prepare a plan to ensure you and your family are protected through the unexpected events in life.

Jose and Jeff discuss: 

  • The types of emergencies that may arise in your life that you need to prepare for
  • How much money you need in an accessible emergency fund
  • How they can help you during a large market correction
  • And more

Connect With Feliciano Financial Group:

 


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


Episode 9 – Business Owners’ Commonly Asked Tax Questions, Answered – Part 2



As business owners, you likely have questions about the structure you should have in place to attract and retain top talent, as well as save money in taxes.

In part two of this two-part series, Jose Feliciano and Jeff Feliciano address questions that business owners have when it comes to the structure that they need to create in order to prepare for taxes and retain their top employees.

In this episode you will learn:

  • What business owners can do to save money in taxes
  • Areas to consider when saving money for the future, whether you are a business owner or self-employed
  • How profit-sharing plans work and whether every company is eligible
  • Key ways to help retain key employees and put structure in place
  • And more!

Tune in as Jose Feliciano and Jeff Feliciano discuss how to add business structure whether you are a business owner or self-employed!

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