69 episodes

Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you!

New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.

Caffeine And Cash Flow with Michael Schulte Michael Schulte

    • Business
    • 5.0 • 6 Ratings

Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you!

New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.

    Don’t Make These Income Planning Mistakes

    Don’t Make These Income Planning Mistakes

    Are you planning for your retirement with the confidence that you're making all the right moves? In today's episode, we'll unveil the crucial income planning mistakes that could jeopardize your retirement and show you how to craft a financial plan that's built to last decades, not just years. Tune in to ensure your retirement strategy is foolproof against common pitfalls and ready to secure your financial future.
     
    Here’s some of what we discuss in this episode:
    Don’t plan to be retired for years. Plan to be retired for decades. Don’t start Social Security too early. Don’t assume that bonds will be your main source for retirement income. Don’t ignore inflation. Don’t forget to create lifetime income streams other than just Social Security.  
    Learn more: https://caffeinecashflow.com/
    Get in touch with Michael-
    Web: https://www.westpacwealth.com/team/michael-schulte
    Email: michael.schulte@westpacwealth.com
    Phone: 702-767-4897
     

    • 32 min
    Estate Planning 101

    Estate Planning 101

    Have you ever considered how you’ll safeguard your financial legacy for the next generation? Today we want to dive into some of the technical aspects of estate planning and the crucial role it plays in retirement strategy. Estate planning can be as complex as it is important, but Michael will demystify the process, providing clarity on how to shield your legacy and make sure your assets flow smoothly to your heirs.
     
    Here’s some of what we discuss in this episode:
    What are the main things you want to protect against when creating a trust? How to avoid probate court, which can be a long and expensive process. Why most people we work with benefit from a revocable trust. Tax strategies to consider to protect as much of your estate as you can.  
    Learn more: https://caffeinecashflow.com/
    Get in touch with Michael-
    Web: https://www.westpacwealth.com/team/michael-schulte
    Email: michael.schulte@westpacwealth.com
    Phone: 702-767-4897
     

    • 14 min
    How One Overlooked Issue Can Sink Your Retirement

    How One Overlooked Issue Can Sink Your Retirement

    Imagine your retirement plan as a ship sailing toward a horizon of rest and relaxation. But what if one leak could sink it all?
    In today’s episode, we spotlight some of the single oversights that could send your dreams to the bottom. We'll share key strategies to plug the gaps, ensuring your financial ship stays buoyant and on course. Tune in to protect your future from the one mistake that could derail everything.
     
    Here’s some of what we discuss in this episode:
    The possibility of outliving your money and planning strategies that help you create steady income in retirement. How do you address the relentless creep of inflation. The importance of considering long-term care costs in retirement planning. The potential impact of market volatility and the investment strategies to help mitigate risk. The threat of rising taxes on retirement.  
    Learn more: https://caffeinecashflow.com/
    Get in touch with Michael-
    Web: https://www.westpacwealth.com/team/michael-schulte
    Email: michael.schulte@westpacwealth.com
    Phone: 702-767-4897
     

    • 21 min
    Will My Portfolio Perform Better with a Republican or Democrat in the White House?

    Will My Portfolio Perform Better with a Republican or Democrat in the White House?

    Could the US elections be the market mover that investors have been fretting over, or is that just political noise clouding the bigger financial picture? It’s time to talk about the upcoming election and what it could mean for investors over the next two years. We're not just skimming the surface; we are diving into the data to see how investments have historically fared during the electoral tides, from Truman's post-war boom to the unpredictability of Trump's term.
     
    Here’s some of what we discuss in this episode:
    The average return during election years since 1928. What the data shows us for the year after elections. A look back through past administrations and the returns during their years in office  
    Data courtesy of Efficient Advisors & Evidence Based Advisors
     
    Get in touch with Michael-
    Web: https://www.westpacwealth.com/team/michael-schulte
    Email: michael.schulte@westpacwealth.com
    Phone: 702-767-4897

    • 26 min
    Preparing for the Noisy Year Ahead

    Preparing for the Noisy Year Ahead

    Who knows what this year will bring our way, but there’s plenty of noise everywhere you look. With the election ahead and everything else happening around the world, the noise can become a distraction for your financial planning. Today we’ll breakdown why a long-term strategy is your financial compass in a sea of sensational headlines and market speculation.
     
    Here’s some of what we discuss in this episode:
    We want to focus on strategy and tactics to make sure both are working in tandem. Elections years can be divisive but we don’t want that to impact our investment strategy. We want to build liquidity that will alow us to handle unexpected life events. The four core principles for wealth accumulation.  
    Learn more: https://caffeinecashflow.com/
    Get in touch with Michael-
    Web: https://www.westpacwealth.com/team/michael-schulte
    Email: michael.schulte@westpacwealth.com
    Phone: 702-767-4897
     

    • 17 min
    12 Elements for Sustaining Family Wealth & Unity (Part 2)

    12 Elements for Sustaining Family Wealth & Unity (Part 2)

    For those who are fortunate enough to generate significant wealth for their family, trying to preserve that wealth for multiple generations is often the much greater challenge. It takes much more than smart investing and asset management to create and sustain family wealth.
    The stats tell us that just 10 percent of generational wealth lasts beyond the third generation, and you can point to a variety of reasons for that to be the case. Most people that get to this point want their family to be taken care of for decades to come, but not everyone takes the necessary steps to achieve unity to within their family.
    It takes a concerted effort with effective communication, and today we’ll take you through the final six elements that you’ll want to apply to your planning process.
     
    Here are the six elements we discuss in this episode:
    Inspire individual family members to participate for their own individual reasons. Train and mentor each generation. Facilitate the genuine transfer of leadership from generation to generation. Require true collaboration between your professional advisors. Create mechanisms for ongoing family governance  
    Learn more: https://caffeinecashflow.com/
    Get in touch with Michael-
    Web: https://www.westpacwealth.com/team/michael-schulte
    Email: michael.schulte@westpacwealth.com
    Phone: 702-767-4897
     

    • 16 min

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6 Ratings

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