When we finish praying the sinner's prayer and become a child of God it would be great if all our questions are immediately answered all our doubts are suddenly dispelled and the gaps in our understanding are instantly filled in But coming to know God and His plan for our lives is part of the privilege and challenge of living the Christian life And today on A NEW BEGINNING Pastor Greg Laurie points out how we should feel free to approach God for help in sharpening our understanding and deepening our faith Listen on harvest org --- Learn more and [... more]

The Matt Slick Live daily radio show broadcast is a production of the Christian Apologetics Research Ministry -CARM- During the show Matt answers questions on the air and offers insight on topics like The Bible Apologetics Theology World Religions Atheism and other issues-- The show airs live on the Truth Network Monday through Friday - PM EST - - PM PST--Call in during the show Toll-free at - - -CARM- - - -You can also email questions to Matt using- info-carm org Please put -Radio Show Question- in the Subject line--You can also watch a live stream during the live [... more]

We're revisiting an annual favorite with some new action steps you can take now to set yourself up for success In this video Peter Richon with Richon Planning and Erin Kennedy walk through the top resolutions you should consider in Meet Your Match contribute at least the minimum amount to your retirement accounts to secure your employer's match Contribute More to Retirement contribution limits are higher in and don't forget to contribute to your Roth accounts Create a Budget one of the most important and often overlooked if not avoided steps You don't know what you'll need to live on [... more]

It's been a long time since we've seen inflation-adjusted interest rates above zero Since the Fed began hiking interest rates investors can once again earn attractive returns on cash But as Peter with Richon Planning explains to Erin Kennedy you may be earning less money than you think after accounting for inflation and taxes Instead of socking your money away in CDs treasuries or Money Market accounts Peter suggests you consider Buffered ETFs which can offer full principal protection Also unlike cash and cash alternatives Buffered ETFs don't generate taxable interest Instead you get much more favorable capital gains treatment [... more]

The IRS recently announced that we'll be able to sock away a lot more money for retirement starting in These increases are in line with an increased cost of living In this video Peter with Richon Planning and Erin Kennedy break down those changes and Peter explains how to prioritize your retirement savings If you'd like to talk through how to prioritize saving for your retirement or if you'd like to find out if you're properly tax-diversified please feel free to reach out to Peter by calling - or by visiting www RichonPlanning com Retirement k TaxStrategies TaxFree TaxDeferred [... more]

The Matt Slick Live daily radio show broadcast is a production of the Christian Apologetics Research Ministry -CARM- During the show Matt answers questions on the air and offers insight on topics like The Bible Apologetics Theology World Religions Atheism and other issues-- The show airs live on the Truth Network Monday through Friday - PM EST - - PM PST--You can also email questions to Matt using- info-carm org Please put -Radio Show Question- in the Subject line--You can also watch a live stream during the live show on RUMBLE---Time stamps are approximate due to commercials being removed for [... more]

People who are wealthy have much more than money to consider when it comes to estate planning and generational wealth transfer For the wealthy the stakes are often higher the mistakes are magnified and all members of the family have an incentive and often the means to litigate if things don't go their way In this video Peter with Richon Planning and Erin Kennedy discuss five documents that every wealthy person should have in order to protect his or her wealth and the harmony of the family An updated estate plan Evaluate Various trusts Legacy letter Family Governance Plan Succession [... more]

The Matt Slick Live daily radio show broadcast is a production of the Christian Apologetics Research Ministry -CARM- During the show Matt answers questions on the air and offers insight on topics like The Bible Apologetics Theology World Religions Atheism and other issues-- The show airs live on the Truth Network Monday through Friday - PM EST - - PM PST--You can also email questions to Matt using- info-carm org Please put -Radio Show Question- in the Subject line--You can also watch a live stream during the live show on RUMBLE---Time stamps are approximate due to commercials being removed for [... more]

More Americans are tapping their ks because of financial distress In fact the number of people who made a hardship withdrawal surged from the second quarter of If you're thinking of tapping your k early Peter with Richon Planning and Erin Kennedy explain how it works and the risks including -How can I withdraw money from my k without penalty -How the passage of the SECURE Act made hardship withdrawals even easier -The lost opportunity cost of tapping your k Keep in mind if you're not and you make a withdrawal not for a hardship you're going to face a [... more]

There are many reasons people put off saving for retirement it's hard to imagine your life or years into the future But there are also many reasons to start saving as soon as possible So what are the five steps young investors can take today Peter at RichonPlanning breaks it down with Erin Kennedy Track Your Budget it's important to know what's coming in and what's going out before you make any financial decisions Set Aside Money for Big Expenses would you like to save for a down payment A wedding A nice vacation Open a Roth account you'll probably [... more]

In Beep Baseball the players who are blind listen for a beeping ball or buzzing base to know what to do and where to go The blindfolded batter to account for various degrees of blindness and sighted pitcher are on the same team When a batter swings the bat and hits the beeping ball he or she runs toward the buzzing base The batter is out if a fielder ldquo smothers rdquo the ball before the batter makes it to the base otherwise the batter scores a run One player remarked that the best part is that he feels ldquo [... more]

Scams targeting older adults are on the rise In there were almost thousand older victims scammed out of billion In a recent report from the BBB romance scams continued to be the riskiest scams for people - other common scams include government impersonation scams sweepstake scams and robocall scams In this video Peter Richon with Richon Planning walks through several scams with Erin Kennedy and offers this advice -Watch out for phone fraud -Research before making an investment -Be on guard for sweetheart swindles -Reach out to someone you trust -Guard your personal information Older adults are often targeted because [... more]

k s are generally the most accessible and easiest way to save for retirement but should you really be maxing out your contributions every year In this video Peter with Richon Planning and Erin Kennedy break down the pros and cons of stashing a lot of money in a pre-tax account and Peter explains when you should consider investing in other accounts as well If you'd like to sit down with Peter to determine where you should be putting your money to ensure a happy and tax-efficient retirement please feel free to give him a call at - or schedule [... more]

The S P recently climbed more than from a low But is the Bear Market really over In this video Peter with Richon Planning reveals to Erin Kennedy which metrics he's keeping an eye on and whether he thinks the upswing in the markets will continue Peter also explains why he believes we're not out of the woods yet when it comes to whether we will see a recession this year If you have any concerns about market volatility or whether your portfolio can withstand another downturn or recession please feel free to contact Peter at - or make an [... more]

Figuring out the most financially optimal time to claim Social Security is a complicated equation that involves hundreds of variables to complicate matters hidden deep within Social Security's Handbook are a few gotchas that can reduce your benefits forever To make sure you don't shortchange yourself Peter with Richon Planning and Erin Kennedy are breaking down the top five If you take two benefits at once you lose one of the two If you take your retirement benefit at the same time as your spousal or divorced spousal benefit your retirement benefit will generally wipe out your spousal or divorced [... more]

Despite potentially devastating consequences of Americans don't have a will leaving estate planning to a complicated range of state laws If you die without a will your loved ones might get kicked out of the family house and could face hefty surprise tax bills In this video Peter with Richon Planning and Erin Kennedy share these tips when it comes to creating a will -Know Your State's Laws -Make Sure All Your Assets are Covered -Don't Delay If you die without a will your loved ones may get nothing especially if they are unmarried partners or stepchildren who are left [... more]

It's not easy to determine exactly what you'll need to live on in retirement that calculation is made even more difficult because there can be a few surprise expenses and some penalties that can last a lifetime In this video Peter with Richon Planning and Erin Kennedy are breaking down some of those hidden penalties in order of severity starting with -the IRMAA Penalty -the Medicare Part B D Penalty this penalty is for life -Inflation -Taxes At Richon Planning we specialize in proactive planning that addresses each of these risks If you would like to talk more about designing [... more]

When considering which assets to leave your beneficiaries there's one asset that's loaded with taxes IRAs Inheriting an IRA is very different from inheriting a Roth IRA In fact without proper planning as Peter Richon with Richon Planning explains to Erin Kennedy the irs may end up being your largest beneficiary Distributions from an inherited Roth account are both tax and penalty free which means you won't saddle your heirs with a heavy tax burden during their prime earning years If you have any questions about your financial legacy or if you'd like to learn more about strategic tax planning [... more]

Divorce among middle aged couples is increasing In fact there's a new name for the trend grey divorce And according to the journal of sociology after a grey divorce women experienced a drop in their standard of living and men experienced a reduction Which is why Peter with Richon Planning and Erin Kennedy wanted to talk through some key issues you'll need to consider as you plan your new future including -Revisit your estate plan -Examine retirement and pension plans -Determine how your Social Security benefits will be affected -Consider health insurance and life insurance -Consider hiring a Financial Advisor [... more]

We knew this day would come we hit our debt ceiling back in January Now the fight continues as to whether we should increase the debt limit While Congress goes back and forth Peter with Richon Planning and Erin Kennedy sort through the latest headlines to break down how it will affect you Of course the biggest fear is that federal spending and funding will stop That could affect those who rely on Social Security or Medicare And this showdown will continue to add volatility to the market If you'd like to speak with Peter about steps you can take [... more]

Emily Boothroyd of Merrit Finacial Advisors www merritfa com called the program to share insights for caregivers when dealing with finances eboothroyd meritfa com Sharing five things to avoid two of them are Staying silent Trying to do it all Listen to the whole conversation and feel free to reach out to Emily for any questions you may have [... more]

Roth IRAs are one of the most powerful tools you can use to become extremely wealthy But as Peter with Richon Planning explains to Erin Kennedy there are many misconceptions about them including -Myth You can't touch any money in a Roth until your years old -Myth Roth IRAs are only for Retirement -Myth You can't contribute to a Roth if you make too much money There are many reasons to consider investing in a Roth account or even converting your traditional IRA to a Roth If you would like to learn more about the tax-free earnings growth of a [... more]

Having a tax-efficient withdrawal strategy in retirement can save you thousands of dollars A good strategy will minimize the total taxes paid over the course of your retirement which will increase your wealth and the longevity of your portfolio In this video Peter Richon with Richon Planning and Erin Kennedy break down two very different strategies traditional and proportional The traditional approach has you spend your retirement money in this order taxable tax deferred tax exempt On the other hand the proportional withdrawal method would have you take a proportional amount from all of your accounts While certain headlines will [... more]

Investing during a recession requires a very different approach In light of recent market volatility inflation and interest rate hikes from the Fed Peter with Richon Planning and Erin Kennedy walk through a few tips for investing during a recession including -Is Cash Really King -Defensive Stocks healthcare utilities and consumer staples like food and beverages are fairly recession proof -Dividend Stocks and Fixed Income Investments like Bonds -Keep Investing a strategy known as Dollar Cost Averaging If you'd like to speak with Peter to determine if your portfolio is recession-proof or if you'd just like to talk through these [... more]

For almost every retiree their biggest fear is running out of money You want your retirement to be a fitting reward to a lifetime of hard work But it's hard to know exactly how much money you'll need to achieve your unique retirement goals without sacrificing your quality of life In this video Peter with Richon Planning and Erin Kennedy break down the three biggest risks to your retirement nest egg Longevity Risk Today a couple at age has a chance of living beyond Changes to Social Security The government will have to make changes to Social Security if the [... more]

More than of adults who live to will need Long Term Care of some kind Not only is LTC very expensive most costs aren't covered by Medicare nor other health insurance plans As Peter with Richon Planning explains to Erin Kennedy without proper planning this can wipe out your retirement savings but before you buy a policy first crunch the numbers to determine - What is the right age to buy LTC insurance -How Much Coverage to Buy -Should You Consider Other Options like Permanent Life Insurance There's a lot of advanced planning that goes into determining when or whether [... more]

A lot of us want to go into retirement debt free But before you pay down that debt you should consider a few specific variables And as Peter Richon with Richon Planning explains to Erin Kennedy this isn't a strictly financial decision So before you put money toward that mortgage debt first consider -Your mortgage rate if it's very low your money may be better spent in another investment with a higher rate of return -Tax Consequences you would potentially eliminate a mortage write off and there are penalties if you withdraw money from retirement accounts early -Prioritize Paying Down [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Topics include- -- Church Fathers Article release Radicalized Feminism- - Exodus - Jealous God- - Is Jesus the Son of God Is the Trinity Real- - Is Platonic Homosexuality Ok- - Can mentally ill people be saved- - Do all babies go to heaven Samuel - [... more]

There are unique reasons Charitable Remainder Trusts are good options for your Estate Plan In this video Peter Richon with Richon Planning and Erin Kennedy explain how a crt works it is an irrevocable trust that allows you or a designated beneficiary to receive an income stream for life After you die the remainder of the assets in the trust are donated to your charity or charities of choice Peter also walks through those benefits including You Can Save on Taxes You Can Increase Your Income You Can Support Worthy Causes You Can Protect Your Money from Creditors Naming the [... more]

If you don't have a tax plan you don't have a retirement plan In retirement you not only want to maximize your income but you also want to minimize your tax bill In this video Peter Richon with Richon Planning and Erin Kennedy break down three strategies that will help you keep more money in your pocket including Roth Conversions take advantage of today's historically low tax rate Have an RMD Strategy consider earlier distributions or Qualified Charitable Distributions Explore Health Savings Accounts the only triple tax advantaged retirement account that can help with what's often your biggest expense in [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Topics include--- - Japan tour- - Wacko mail- - Church manners [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Topics include---- - Opening Statements-- - Condemnation -- - How do we know which books are in the Bible -- - Logic and identity [... more]

It's a bit tough to keep up with all the changes that have come to Required Minimum Distributions or RMDs which started back in with the original SECURE Act However there are significant changes that went into effect January st of Peter with richonplanning and Erin Kennedy lay out and explain each change including The Starting Age Has Increased Again Lower Penalties if You Miss Taking your RMD Inherited Retirement Accounts accounts inherited before vs accounts inherited after Keep in mind you can correct an RMD mistake but it's best to avoid those missteps if possible which is why proactive [... more]

Despite a sharp increase in the COLA for some people may see a lower Social Security payment this year In this video Peter Richon with Richon Planning and Erin Kennedy break down possible reasons why You Earned Too Much Last Year If you're under full retirement age and are collecting SS benefits while still working there is a limit to the earnings you can receive You Made Changes to Your Medicare Coverage If you made a change to your Medicare coverage such as adding Part D this will cause a deduction from your Social Security benefit check A Medicare Premium [... more]

Starting in you can roll up to from a into a Roth individual retirement account which can jumpstart tax-free retirement savings for young investors all while taking advantage of today's historically low tax rate But opening a as Peter Richon with Richon Planning explains to Erin Kennedy isn't right for everyone In this video Peter lays out the pros and cons and suggests other accounts you should consider maxing out first If you'd like to learn more about opening a for your child or grandchild or if you'd like to talk through other strategies to help fund higher education please [... more]

was a brutal year for investors is sure to be challenging but there are some action steps you can take now to set yourself up for success no matter how the market behaves In this video Peter Richon with Richon Planning and Erin Kennedy walk through these Resolutions Rebalance Pay Down Debt Lower Expenses Keep Saving for Retirement Update Your Estate Plan Beneficiaries Proactive Tax Planning If you would like some help outlining or setting up and achieving your unique financial goals and resolutions please feel free to reach out to Peter for a complimentary consultation by calling - or [... more]

New Retirement Account Contribution Limits for The IRS just announced that it will boost the maximum contribution limit to k accounts by next year to This is the largest increase on record The contribution limit for an IRA is also set to increase to from As Peter with Richon Planning explains to Erin Kennedy this move will allow millions of us to contribute thousands more into tax- advantaged retirement accounts But keep in mind every retirement plan has to include tax planning and tax diversification In fact k s are known as retirement tax bombs If you'd like to talk [... more]

We are firmly in Bear Market territory Stocks and bonds are sharply negative The market has lost nearly one quarter of its value since the beginning of the year But while these headlines can lead to anxiety as Peter with Richon Planning explains to Erin Kennedy it's important to stick to and rely on your financial plan Often during market downturns investors tend to panic and leave the market And when the market recovers those investors miss out on the rally further compounding their losses No one knows when this Bear Market will hit bottom But if you've taken the [... more]

Social Security just announced an cost of living adjustment for retirees The COLA increase will be applied to benefits in January of That's the largest inflation adjustment since when it was Peter with Richon Planning explains to Erin Kennedy why this year's Cost of Living Adjustment or COLA is so high and whether this change should affect your claiming strategy If you'd like to speak with Peter to determine when you should claim Social Security Richon Planning actually specializes in running very personalized analyses to determine your most financially optimal strategy Please feel free to reach out for a complimentary [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Topics include--- - How can you know how to see Scripture without your American mindset--- - What is the difference between the lake of fire and hell--- - Is the antichrist the government--- - What do you think about q-anon--- - What do you think about Christians who don't verbally witness--- - Do you think that a temple will be rebuilt in Jerusalem--- - What do you think about Mark - --- - What do you think about the current president of Ukraine [... more]

Do you ever listen to talk radio or cable news when the panel starts to argue The voices become an unsettling wall of noise and most change the channel in seconds If we're annoyed by talking heads shouting over politics imagine the unsettledness of those with cognitive issues engaging in or listening to arguments When dealing with someone with an impairment all kinds of subjects fly into the conversation From seeing things not there to recalling things inaccurately it remains pointless to argue when cognitive decline is present Despite even brilliant oratory the impairment still wins the battle Rather than [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Questions include--- - Matt will be having an online debate on Friday - debating a unitarian on the doctrine of the Trinity -- - I know someone who said that Eve had Adam as a child What do I do with that--- - If a man has an affair can his wife remarry--- - Matt discusses the theology of marriage -- - Who decided what books were in the New Testament--- - My husband committed bigamy and has a baby with his other -wife - What should I [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Questions include--- - Matt asks for prayer for Christians in Nigeria -- - Is it ever true when someone says -God told me--- - Do you think America will have any role in end times--- - Do you have a problem with immigrants coming to America--- - How did you come to the continuationist view--- - A caller wanted to debate biblical inerrancy -- - Was the Sabbath changed from a lunar to a solar calendar [... more]

When we finish praying the sinner's prayer and become a child of God it would be great if all our questions are immediately answered all our doubts are suddenly dispelled and the gaps in our understanding are instantly filled in But coming to know God and His plan for our lives is part of the privilege and challenge of living the Christian life And today on A New Beginning Pastor Greg Laurie points out how we should feel free to approach God for help in sharpening our understanding and deepening our faith View and subscribe to Pastor Greg's weekly notes [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Questions include--- - Matt asks for prayers and support to pay for men in Africa to start radio programs -- - How do modern Jews believe they can be saved with there being no temple--- - How can I use Charles Taze Russel's book to witness to those in the JW religion--- - Why is blood required to cleanse sin--- - Is Revelation - in reference to Nero--- - Other than to display his power and authority was there another purpose in Job's suffering--- - Is there a [... more]

Open calls questions and discussion with Matt Slick LIVE in the studio Questions include---- - Is Isaiah referring to the Messiah- Does Luke misquote Isaiah --- - Matt discusses Matthew and its relation to the belief of the pretribulation rapture -- - Does Matthew - support reformed theology--- - How can I best study the Bible--- - Do I have to go to church to be a Christian [... more]

Hans and Robby go over questions Cardinal has gotten about Social Security Spousal benefits including common law marriages divorcees widows and everything in between If you have any questions about your specific situation feel free to contact Hans and Cardinal for answers Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Teachable moments often appear in unexpected places For example a scene from Raiders of the Lost Ark drove home a core principle about being in a relationship with someone who lives with pain This episode is part of series we're doing on chronic pain suffering pain management and other issues that affect us as family caregivers Feel free to add your thoughts and share this with someone you know who lives with a suffering loved one Peter Rosenberger hosts the nationally syndicated program HOPE FOR THE CAREGIVER Hope for the Caregiver is the broadcast outreach of Standing With Hope a [... more]

We do a series called YOUR CAREGIVER MINUTE that airs on hundreds of stations across the country Here's one of my favorites Feel free to share [... more]

A trip to the podiatrist turned into a teachable moment for me regarding stress as a caregiver He said something so simple and obvious but as a friend of mine once stated the obvious becomes obvious--right before it becomes obvious Hope for the Caregiver with Peter Rosenberger is the family caregiver outreach of STANDING WITH HOPE Feel free to share this free podcast and help support it through a tax deductible gift to Standing With Hope [... more]