In this podcast episode, Roxanne Theodoropoulos, founder and president of Capstone Wealth, discusses the intricacies of structured notes, a hybrid investment product that combines features of bonds and stocks. She explains how structured notes can be tailored to meet individual risk appetites and yield expectations, making them a versatile option for investors, particularly retirees. The conversation also delves into the historical context of structured notes, their accessibility, and the importance of financial advisors in educating clients about these investment vehicles. Roxanne shares real-life success stories of clients who have benefited from structured notes, emphasizing the potential for enhanced financial security and the ability to enjoy wealth in retirement.

In this episode of Live Rich, the Capstone Strategy, Roxanne Theodoropoulos discusses the complexities of Medicare costs for high-income earners, focusing on the Income Related Monthly Adjustment Amount (IRMAA) and its implications. She explores the importance of tax planning in relation to Medicare premiums, the impact of life events on income and Medicare adjustments, and the relationship between Social Security cost-of-living adjustments and Medicare increases. The conversation emphasizes the need for proactive financial planning to navigate these challenges effectively.

In this episode, Roxanne discusses essential tax strategies to consider before the end of the year. They emphasize the importance of timely actions regarding taxes, including Roth conversions, gifting strategies, and tax loss harvesting. Roxanne shares insights on how to maximize tax benefits and avoid penalties, while also highlighting the significance of building trust and transparency in financial planning. The conversation aims to empower listeners to take control of their financial futures and minimize tax liabilities legally.

In this episode of the Live Rich podcast, host Roxanne Theodoropoulos discusses the complexities of annuities, particularly during the fall season when retirees are targeted by aggressive marketing tactics. She emphasizes the importance of understanding the sales tactics used by some financial advisors and the potential pitfalls of committing to annuities without proper guidance. The conversation highlights the need for retirees to be informed and cautious when making financial decisions, advocating for a fiduciary approach to financial planning.

In this episode of Live Rich, host Roxanne Theodoropoulos discusses the concept of alternative investments, particularly in the context of retirement planning and 401(k) plans. The conversation covers the definition of alternative investments, their risks, and the evolution of 401(k) plans over the years. Roxanne emphasizes the importance of education regarding these investments, especially for younger individuals, and explores specific types of alternative investments like Real Estate Investment Trusts (REITs).

In this episode of Live Rich, Roxanne Theodoropoulos discusses the importance of using money to create a fulfilling life rather than simply accumulating wealth. She delves into the topic of dividends and the common practice of reinvesting them, arguing that retirees should consider enjoying their dividends instead. The conversation emphasizes the need for customized financial planning and the dangers of complacency in investment strategies, particularly as one approaches retirement. Roxanne encourages listeners to rethink traditional financial advice and focus on living richly in the present.

In this episode of Live Rich, host Roxanne Theodoropoulos discusses the importance of enjoying retirement and rethinking traditional financial strategies. She emphasizes the need for retirees to understand the purpose of their money and explore alternative investment options that can provide consistent income, even during market downturns. The conversation highlights the psychological barriers retirees face when it comes to spending their savings and the benefits of proactive financial planning.

In this episode of the Live Rich podcast, Roxanne Theodoropoulos, a certified financial planner, shares her journey from a challenging childhood to becoming a financial expert. She discusses the importance of shifting mindsets from saving to spending, especially during retirement. Roxanne emphasizes the need to break the guilt associated with spending money and highlights strategies for enjoying wealth while planning for longevity. The conversation also touches on creating lasting memories with loved ones and the true essence of living rich.