At the Hoornstra Financial Group, Ted Hoornstra and his team take a comprehensive approach to planning your financial future.  Part of that may include investing in the stock market, and this may vary with how much risk you're comfortable with.   Today, Ted Hoornstra walks through what he considers a proprietary approach to investing in the stock market.   Also, why which funds you invest in the market matter!If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.com(727) 498-8828

Concord Advisors Financial Experience

Investing in Stocks

Annuities can often be a scary topic, because many people don't understand them. But they can provide income and stability in retirement. Today, Ted Hoornstra breaks down the different types of annuities, and what you can do with them.  Fixed AnnuitiesVariable AnnuitiesImmediate AnnuitiesFixed Index AnnuitiesHybrid Annuities (between fixed index and variable)If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.com(727) 498-8828

Annuities

Estate planning is a crucial part of your overall financial plan.  It ensures your wishes will be respected, and the loved ones you leave behind will be taken care of.  There are six aspects of estate planning, broken into two groups.  Ted Hoornstra breaks them down today.Financial Side:TrustWillPower of AttorneyHealth Side:Health Care SurrogateLiving WillReturn To Home DocumentsTed explains how the Hoornstra Financial Group connects you with resources to get these documents done.  And he also shares some horror stories from those who didn't make these preparations ahead of time.If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.com(727) 498-8828

Estate Planning

Life insurance and long term care can be an important part of your overall investment strategy. Long term care coverage has changed significantly over the years as health care costs have skyrocketed.Ted also breaks down  different types of life insurance, including term, whole life, universal life, and long term care riders. 78% of us will need some sort of care in our lifetimes!Ted also explains the new trend of paying for your entire premium up front, so you don't have to worry about paying in during retirement.If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.com(727) 498-8828

Life Insurance and Long Term Care Insurance

Many of our clients and listeners have questions about Bitcoin and Cryptocurrency.  Today, Ted Hoornstra from the Hoornstra Financial Group and Concord Advisors walks us through Bitcoin.We start with the Ted's interaction with some of Bitcoin's founders, and walk through the extreme volatility and risk of Bitcoin and other Cryptocurrency.   Ted explains what place he thinks it should have in your portfolio, and where he thinks this new currency is headed.If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.com(727) 498-8828

Bitcoin and Cryptocurrency

In recent weeks, Ted Hoornstra keeps getting the same question from his clients. "What does the blue wave mean for my money and my future?"Today, Ted and Jon break down what the Democrats' control of the White House and Congress could mean, both short and long term.  This includes a look at income tax, capital gains tax, and inheritance tax - and why it might be a good idea to make moves now, in 2021.If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.com(727) 498-8828

What The Blue Wave Means For Your Money

With the new year (finally) upon us, Ted Hoornstra and Jon Gay are back to check in on where we were, where we're at, and where we're going.We first do a quick update on families - the two and four-legged members.  We also check in on the political world, with the Presidency decided and the Senate about to be (as of this recording). Once that's settled, we can begin thinking about 2021.  No matter what, priority #1 will be dealing with the pandemic.Despite the upheaval of our lives in 2020, analyst's predictions for market growth were largely accurate, and they are predicting the same for 2021, with, as Ted points out - a few asterisks.Interest rates are at historic lows. With another stimulus package going out, what will the government's debt mean for the economy and markets?The COVID-19 vaccines. The market looks to the future, not the present. How will the vaccine rollout affect outlook?How has the coronavirus affected the way we invest?  A shift in technology was sped up by the pandemic. Do we need to focus more on individual funds than larger indexes?As you look toward you financial future, think about safe money vs growth money. What kind of income will you need going forward?If you need help with your financial future - reach out to Ted or Robert at the Hoornstra Financial Group.http://www.hfg411.com/ted@hfg411.comrobert@hfg411.com(727) 498-8828

Looking Ahead to 2021

Today, Ted Hoornstra introduces us to Robert Thigpen.  Robbie takes our clients through the onboarding process, and he explains what to expect when you meet the Hoornstra Financial Group - it's a process that includes:Getting To Know YouConsolidationEvaluating OptionsImplementationEvaluation and RebalancingManaging Your ExpectationsThe entire process takes into account your individual circumstances, not a cookie cutter approach.For more info on the Concord Advisors and the Financial Group:Call: 727-498-8828Or visit them online: http://www.hfg411.com/

Robert Thigpen and the Welcome Process

Ted Hoornstra of Concord Advisors and the Hoornstra Financial Group is back to cover a topic that's seen a lot of media attention lately - annuities.   He breaks down each of the 4 types:Fixed AnnuitiesImmediate AnnuitiesVariable AnnuitiesFixed Index AnnuitiesEach of these categories has its advantages and disadvantages, and we break them down.  One thing is for sure though.  As with all investment vehicles, investors should not put all of their eggs in one basket.  Annuities are not the end-all be-all of investments - and you should not rely on them exclusively.To speak to Ted regarding any part of your financial future, feel free to reach out to him.(727) 498-8828Ted@HFG411.com

The 4 Types of Annuities

Following a visit from Eta, Ted Hoornstra is here to clean up his parking lot and help you clean up your finances as we close out 2020.The two big stories of the year, of course, were Coronavirus and the election. We start with a discussion about the election, and what we may be looking at in a Biden-Harris administration - and what that means for your money.We also recorded today's episode on the hells of Pfizer's announcement of a 90% effective Coronavirus vaccine, news that sent the market up.  We take a look at the virus-related events of 2020, which industries have suffered, and which ones may see opportunities heading into 2021.As we head into the holidays, there are three financial things that Ted says we should all look at, before Thanksgiving.What do I want to do with my money?What's my potential tax situation?What are my estate planning procedures?For help with any of these questions, or to speak to Ted regarding any part of your financial future, feel free to reach out to him.(727) 498-8828Ted@HFG411.com

Post Election and Year End Advice

Today, Ted Hoornstra from Hoornstra Financial Group and Concord Advisors joins Jon Gay to discuss the Election, and what's next.   We recorded this episode the morning after the Election, November 4th, before a winner was declared.Ted explains what could happen with the markets after a Biden election or Trump reelection, with some historical perspective on what's happened in the immediate aftermath of Presidential elections.Next, we cover some steps that investors can take between now and the end of the year, regardless of who wins.Finally, we look at the importance of finding a COVID-19 vaccine, and which areas of the market are likely to be growth sectors in the aftermath of the pandemic.ResourcesHoornstra Financial Group Website: http://www.hfg411.com/Email Ted: Ted@HFG411.comCall/Text: 727-498-8828

What's Next After The Election

Planning

Today, Ted Hoornstra of Hoornstra Financial Group and Concord Advisors takes stock of where the markets sit as we enter June.We take a close look at City National Rochdale's "Speedometers" to see where different aspects of the economy are trending. You can view them here: https://www.cnr.com/insights/speedometers.htmlNext, we dive deeper to help listeners understand what their financial priorities should be during these times.  Are they older and worried about income? Are they younger and more worried about growth? For example. the CARES Act states that you don't have to take RMD's in 2020.  But some people will want to take that money out, while others would prefer to let it sit in an IRA.  What about an Roth Conversion? Again, right for some but not all.Annuities may be an option for some as well.  Ted breaks these down.Finally Ted takes a look at the market. And while past performance does not predict future results, he explains why he believes we are in a "V" shaped recovery.ResourcesHoornstra Financial Group Website: http://www.hfg411.com/Email Ted: Ted@HFG411.comCall/Text: 727-498-8828

June Market Update

Today, Ted Hoornstra of Hoornstra Financial Group and Concord Advisors explains the concepts of retirement buckets.  Everyone should have three - short, medium, and long term.Next we look at some of the high-level details of the CARES Act.  This includes the elimination of Required Minimum Distributions in 2020, and temporary changes around retirement funds and potential Roth conversions.Finally, Ted has been taking a look at stocks that may have potential as we emerge from the COVID-19 pandemic - he explains.Hoornstra Financial Group Website: http://www.hfg411.com/Email Ted: Ted@HFG411.comCall: 727-498-8828

Retirement Buckets, CARES Act Highlights, and Stocks

Today, Ted Hoornstra and Jon Gay take a look at Coronavirus and, pardon the cliche, the "new normal."   Ted talks about his mom, "Bathroom Betty," is coping - and whether wine delivery is an essential job.On a more serious note, Ted explains the "W Curve," why he thinks that's where we are headed, and why he thinks it's too early to get into the market. Contact Info:Hoornstra Financial Group WebsiteEmail Ted: Ted@HFG411.comCall: 727-498-8828

Episode 5 Coronavirus and The W Curve

Financial Advisor Ted Hoornstra and cohost Jon "JAG" Gay talks about personal finance and planning, how current events affect your bottom line, and how we can leverage technology in managing our money.

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Concord Advisors Financial Experience

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