Our Blog

Welcome to our blog. Here you can find views on the financial world and keep updated on the latest news.

Ep. 12 - To Convert or Not to Convert: How to Know if a Roth Conversion is Right for You.

Ep. 12 - To Convert or Not to Convert: How to Know if a Roth Conversion is Right for You.

Are you looking for a tax strategy that may help reduce the amount of taxes you pay during retirement?  How about a strategy that may help increase the lifespan of your retirement portfolio?  If so, then a Roth conversion may be the right move for you.

In this episode of The Year You Retire, hosts John Bever and Jim Uren delve deep into the world of Roth conversions.  They reveal the potential tax savings that a well-timed Roth conversion can provide during the retirement years.  Through their insightful conversation you’ll gain valuable knowledge and practical strategies to help you determine if and when a Roth conversion may be right for you.

...
Continue reading
510 Hits

Ep. 11 - A Guided Tour Through Our Financial Planning Process

Ep. 11 - A Guided Tour Through Our Financial Planning Process

Have you thought about working with a financial planner, but you’re just not sure what to expect?  Have you thought you might benefit from creating a financial plan, but you just don’t know what the process might be like or if it would even be helpful?  Wonder no more.  In this episode you’ll be given a guided tour through the financial planning process at Phase 3 Advisory Services.

Join hosts John Bever and Jim Uren as they reveal each step of the financial planning process that they follow with every client.  From your initial phone call to the creation of your written action plan, you’ll discover what to expect at every step along the way.  You’ll learn how we conduct our first meeting, the questions we tend to ask and the information we gather to help create your personalized financial plan.  You’ll also learn the enormous benefits of having a personalized financial plan, the importance of working with a CERTIFIED FINANCIAL PLANNER™ professional, and the importance of plan implementation and review.

...
Continue reading
298 Hits

Ep. 10 - 7 Primary Retirement Predators

Ep. 10 - 7 Primary Retirement Predators

In this episode of The Year You Retire, hosts John Bever and Jim Uren reveal their list of the seven primary retirement predators.  These retirement predators are the biggest threats to your financial lifestyle in retirement and it is critical that you prepare yourself against the potential damage they can cause.  So listen along as John and Jim discuss each of the seven predators and provide practical steps you can take to help protect yourself.  With a friendly and relatable approach, they share real-life examples and their professional insight, making this episode an essential resource for individuals approaching retirement.

In this episode, you will be able to:

...
Continue reading
222 Hits

Ep. 9 - Budgeting Tools and Apps

Ep. 9 - Budgeting Tools and Apps

The buzz about Mint exiting the market has sent shockwaves through its user base, leaving many in search of a worthy alternative. Whether you've been a dedicated Mint user or are just diving into the world of budgeting apps, we've got you covered in this episode.

The silver lining? There's a plethora of apps ready to empower you in taking charge of your spending and to help kick start your savings journey. However, with the sea of options out there, navigating through the information overload to find the perfect app for you can be a bit overwhelming.

...
Continue reading
96 Hits

Ep. 8 - Financial Advisor or DIY?

Ep. 8 - Financial Advisor or DIY?

In this episode, Jim Uren and John Bever discuss the decision of using a financial advisor versus managing retirement planning on your own. They cover the advantages and disadvantages of both approaches, highlighting the cost-saving potential and personal enjoyment of the DIY method, but also cautioning about the time and potential for costly mistakes. On the other hand, they emphasize the expertise and knowledge that financial advisors bring to the table, along with the potential for costly mistakes. However, they also address the drawbacks, including the cost and the possibility of working with the wrong advisor. Jim and John present a balanced view, emphasizing the importance of considering one's preferences, skills, and resources when making the decision. If you're nearing retirement age, this episode can help you make more informed decisions about your retirement planning, whether you're considering going it alone or seeking professional financial advice.

In this episode, you will:

...
Continue reading
195 Hits

To learn more about the professional history of our advisors/firm, please visit

Brokercheck

Newsletter Sign Up

Tell A Friend

Investment Updates

Securities offered through Osaic Wealth, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Osaic Wealth, Inc.

This communication is strictly intended for individuals residing in the states of AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, HI, KS, KY, ME, MD, MA, MI, MN, MS, MT, MO, NH, NV, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV, WI. No offers may be made or accepted from any resident outside the specific state(s) referenced

Copyright © 2024 Phase 3 Advisory Services, Ltd. All Rights Reserved