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Access our Guide on Divorce: https://www.straightpathwealth.com/life-stages This episode of our Life Stages Series offers guidance on how to navigate the financial impact of divorce, from dividing assets and updating legal documents to rebuilding a financial plan that supports your future. Here's what we cover: - What to do before and after a divorce to protect your finances - Understanding asset division, debt responsibility, and retirement plans - How to update key documents like wills, insurance, and account beneficiaries - Managing a single-income budget and preparing for long-term security - The importance of credit, tax planning, and legal follow-through ____________________________ Learn more and access our full Life Stages series here: https://www.straightpathwealth.com/life-stages Let’s bring clarity to your next chapter. Schedule your free financial assessment: https://www.straightpathwealth.com/start-to-work-with-us Follow us on social: https://hopp.bio/straightpathwealth ____________________________ Timestamps: 0:00-0:46 Intro 0:47-0:52 Dividing Assets & Liabilities 0:53-1:27 Equitable Distribution vs. Community Property Laws 1:28-1:52 Marital vs. Separate Property 1:53-2:11 Joint Debts & Loans 2:12-2:18 Tax Implications of Divorce 2:19-3:36 Tax Filing Status 3:37-4:08 Implications of Child Custody 4:09-5:04 Alimony & Child Support 5:05-5:12 Retirement & Investment Accounts 5:13-6:30 Dividng 401(k) or 403b & QRDO 6:31-6:50 Dividng IRA 6:51-7:25 Dividing Investment Accounts 7:26-7:49 Reassess Long-Term Financial Goals 7:50-8:30 Closing Remarks

Interest rates and inflation can make or break your retirement plan. Recent talks of rate cuts may sound like good news for the markets, but for retirees relying on savings and fixed income, it could mean less income and greater risk of inflation eating away at your lifestyle. In this video, Matthew Boersen, CFP®, CFA, breaks down: ✔️ How falling interest rates affect retirees’ savings and income ✔️ Why inflation protection is critical for your purchasing power ✔️ Smart portfolio strategies to balance risk, growth, and stability ✔️ Practical steps to keep your retirement plan resilient 📌 Whether you’re nearing retirement or already retired, this video will show you how to stay prepared when rates and inflation shift. 👉 Want personalized guidance? Schedule a free 15-minute retirement assessment with Straight Path Wealth Management: https://www.straightpathwealth.com/start-to-work-with-us ____________________________ Download our FREE retirement guide here: https://www.straightpathwealth.com/free-retirement-guide To reach our social channels visit: https://hopp.bio/straightpathwealth ____________________________ Timestamps: 0:00-0:32 Is Your Retirement Income Prepared for Lower Interest Rates? 0:32-2:05 Current Interest Rate Trends 2:06-2:11 Impact on Retirees & Pre-Retirees 2:12-3:10 How Inflation Erodes Buying Power 3:11-3:37 Interest Rate Shifts Affect Income Streams 3:38-4:06 Impact of Lower Rates on Stocks 4:07-4:14 Retirement Planning in Today's Environment 4:15-4:25 1. Balanced Portfolio Approach 4:26-4:48 2. Inflation Protection Tactics 4:49-5:05 3. Flexibility Through Bond Laddering 5:06-5:32 4. Data-Driven Investment Decisions 5:33-5:54 Closing Remarks

In our tenth episode of The Straight Path Podcast, Sam Genzink, Associate Wealth Advisor at Straight Path Wealth Management, joins host Dan Cook, CFP®, EA, to reflect on his path from college intern to full-time advisor—and everything he’s learned along the way. From adjusting to life after graduation to navigating professional growth and personal transitions, Sam shares honest insights from his unique journey. They explore what it’s like to go from student to full-time advisor, how Sam navigated both personal and professional transitions, and the mindset shifts that helped him along the way. From licensing exams like the Series 65 to the lessons he wishes he had focused on earlier, Sam opens up about the realities of launching a career in finance. Whether you're early in your career or mentoring someone who is, this episode offers a candid look at growing into the financial planning profession. ________________________________________________________ About Your Host This podcast is hosted by Dan Cook, CFP®, EA, Wealth Advisor 📅 Schedule a call with Dan: https://dancookcfp.youcanbook.me 🌐 Learn more about Dan: https://www.straightpathwealth.com/me... 🔗 Connect with Dan: https://www.linkedin.com/in/daniel-cook-cfp%C2%AE-a0b321b3/ ________________________________________________________ Guest Spotlight This episode features Sam Genzink, Associate Wealth Advisor at Straight Path Wealth Management. 🌐 Website: https://www.straightpathwealth.com/ 🔗 LinkedIn: https://www.linkedin.com/in/sam-genzink/ ________________________________________________________ Learn More About Straight Path Wealth Management ✅ Get a FREE Retirement Assessment today: https://www.straightpathwealth.com/st... 📲 Visit all our social channels: https://hopp.bio/straightpathwealth ________________________________________________________ Timestamps: 0:00-0:32 Intro 0:32-1:24 Sam’s Path to Becoming an Advisor 1:25-2:09 Balancing Life Changes Early On 2:10-3:52 College to Full-Time Work Transition 3:53-4:39 What Sam Wishes He Prioritized Before Full-Time 4:40-5:00 What Is the Series 65 Exam? 5:01-5:44 What Excites Sam About Going All-In as an Advisor

Life moves fast—your financial strategy should keep up. In our first episode of our Life Stages Series, we walk through the key financial moves to make after a career change—from rolling over your old 401(k) and updating your tax strategy to analyzing your new benefits package. Here's what we cover: - What to do with your old retirement accounts - Understanding tax brackets, HSAs, and state tax shifts - Evaluating a new job’s benefits (health insurance, stock options, etc.) - How to avoid overlooked costs like COBRA and cost-of-living differences - When and how to update legal and financial documents Download our FREE guide and access all our Life Stages series here: https://www.straightpathwealth.com/life-stages Let’s bring clarity to your next chapter. Schedule your free financial assessment: https://www.straightpathwealth.com/start-to-work-with-us Follow us on social: https://hopp.bio/straightpathwealth Timestamps: 0:00-0:40 Introduction 0:41-1:10 Understand Your Employer Benefits 1:11-1:49 Understand Health Insurance Coverage 1:50-3:37 Manage Retirement Accounts 3:38-4:33 Adjust Your Tax Withholding 4:34-5:24 Evaluate Income Adjustments 5:25-6:22 Mid-Year Changes 6:23-7:37 Closing Remarks

In our ninth episode of The Straight Path Podcast, Michael Eggebrecht, Certified Financial Coach, joins host Dan Cook, CFP®, EA, to talk all things financial coaching—what it is, how it works, and who can benefit most. From understanding the difference between a coach and an advisor to building a budget that actually works, Michael shares practical insights from his experience as a Certified Financial Coach. Tune in to learn about the two main ways Michael works with clients, how coaching can help you gain clarity and control, and why it can be a powerful first step before diving into long-term financial planning. ________________________________________________________ About Your Host This podcast is hosted by Dan Cook, CFP®, EA, Wealth Advisor Schedule a call with Dan: https://dancookcfp.youcanbook.me Learn more about Dan: https://www.straightpathwealth.com/me... Connect with Dan: https://www.linkedin.com/in/daniel-cook-cfp%C2%AE-a0b321b3/ ________________________________________________________ Guest Spotlight This episode features Michael Eggebrecht, Certified Financial Coach. Connect with Michael: Email: NestEggFinancialCoaching@gmail.com Website: https://www.nesteggfinancialcoaching.com/ LinkedIn: https://www.linkedin.com/in/michael-eggebrecht-19056516b/ ________________________________________________________ Learn More About Straight Path Wealth Management Get a FREE Retirement Assessment today by visiting: https://www.straightpathwealth.com/st... To reach our social channels visit: https://hopp.bio/straightpathwealth ________________________________________________________ Timestamps: 0:00-0:27 Introduction 0:28-3:21 Michael’s Journey to Becoming a Financial Coach 3:22-4:19 Faith-Guided Approach to Financial Coaching 4:20-6:11 Financial Coach vs. Financial Advisor 6:12-9:36 Michael’s Client Coaching Process 9:37-12:47 A Practical Approach to Budgeting 12:48-15:38 One-Time vs Ongoing Coaching 15:39-16:03 Closing Remarks

In our eighth episode of The Straight Path Podcast, Tyler Decker, Sales Leader at HealthMarkets Insurance Agency, joins host Dan Cook, CFP®, EA, to break down the often-confusing world of Medicare. From enrollment timelines and coverage options to the differences between Medicare Advantage and Medigap, Tyler explains what individuals approaching retirement need to know, and why starting early can help you avoid costly penalties. ✨ Tune in for insights on how to approach Medicare with confidence and clarity—whether you're approaching age 65, planning an early retirement, or just want to make sure you’re making the best decision for your future. ________________________________________________________ About Your Host This podcast is hosted by Dan Cook, CFP®, EA, Wealth Advisor Connect with Dan: Schedule a call with Dan: https://dancookcfp.youcanbook.me Learn more about Dan: https://www.straightpathwealth.com/me... Connect with Dan: https://www.linkedin.com/in/daniel-cook-cfp%C2%AE-a0b321b3/ ________________________________________________________ Guest Spotlight This episode features Tyler Decker, Sales Leader at HealthMarkets Insurance Agency Connect with Tyler: LinkedIn: https://www.linkedin.com/in/tyler-decker-853939139/ Email: tdecker@healthmarkets.com Phone: (616) 457-2568 ________________________________________________________ Learn More About Straight Path Wealth Management Get a FREE Retirement Assessment today by visiting: https://www.straightpathwealth.com/st... To reach our social channels visit: https://hopp.bio/straightpathwealth ________________________________________________________ Timestamps: 0:00-0:19 Introduction 0:20-1:05 What HealthMarkets Offers & How Tyler Supports Clients 1:06-1:29 Why Tyler Entered the Insurance Industry 1:30-3:24 Tyler’s Process & Medicare Overview 3:25-5:06 Key Medicare Enrollment Periods to Know 5:07-5:58 Late Enrollment Penalties Explained 5:59-9:01 Medicare Advantage vs. Medigap 9:02-10:20 Common Medicare Mistakes to Avoid 10:21-10:59 Free Consultations with Tyler 11:00-12:43 Pre-Medicare Options for Pre-Retirees 12:44-14:27 How the Big Beautiful Bill Impacts Medicare 14:28-14:55 Closing Remarks

You’re halfway through 2025—are you still on track to hit your financial goals? In this video, we walk through how to do a simple mid-year financial checkup, what changes might warrant an adjustment to your plan, and how a financial advisor can help you stay on course. Whether your goals have shifted or you're right where you want to be, now’s the time to check in and finish the year strong. 👉 Watch now to learn how a quick review today can help you avoid surprises tomorrow—and why the decisions you make now can shape your future. ____________________________ Not sure where to start? Meeting with a financial advisor can help you stay aligned and confident in your next steps. Get a FREE Retirement Assessment today by visiting: https://www.straightpathwealth.com/start-to-work-with-us ____________________________ Download our FREE retirement guide here: https://www.straightpathwealth.com/free-retirement-guide To reach our social channels visit: https://hopp.bio/straightpathwealth ____________________________ Timestamps: 0:00-1:08 Introduction 1:09-2:50 How to Conduct a Mid-Year Checkup 2:51-4:16 Adapting to Life or Market Changes 4:17- 4:34 Why a Financial Advisor Can Help 4:35-5:16 Schedule a FREE 15-min Consultation

In our seventh episode of The Straight Path Podcast, Emrah Sero joins host Dan Cook, CFP®, EA, to talk all things mortgages—what buyers need to know in today’s market and how to make informed decisions with confidence. From navigating rising interest rates to understanding what really matters when applying for a loan, Emrah shares practical insights from his experience as a mortgage loan officer at LMCU. Tune in for practical tips, expert insights, and guidance on making smart home financing decisions in any market. ________________________________________________________ About Your Host This podcast is hosted by Dan Cook, CFP®, EA, Wealth Advisor Schedule a call with Dan: https://dancookcfp.youcanbook.me Learn more about Dan: https://www.straightpathwealth.com/me... Connect with Dan: https://www.linkedin.com/in/daniel-cook-cfp%C2%AE-a0b321b3/ ________________________________________________________ Guest Spotlight This episode features Emrah Sero, NMLS: 1313035 Connect with Emrah: LinkedIn: https://www.linkedin.com/in/emrah-sero-21bb04143/ Email: Emrah.Sero@lmcu.org ________________________________________________________ Learn More About Straight Path Wealth Management Get a FREE Retirement Assessment today by visiting: https://www.straightpathwealth.com/st... To reach our social channels visit: https://hopp.bio/straightpathwealth ________________________________________________________ Timestamps: 0:00-0:22 Introduction 0:23-1:41 Meet Emrah: Mortgage Loan Officer 1:42-4:05 Should Homebuyers Wait for Better Rates? 4:06-5:23 15-year vs 30-year Mortgage 5:24-7:14 Credit Score & Down Payment Basics 7:15-9:11 What is PMI? 9:12-10:41 When Is It a Good Time to Refinance 10:42-11:09 Free Consultations with Emrah 11:10-12:15 Mortgage Rate Predictions (5-10 years) 12:16-13:01 Will the Lions Finally Win the Super Bowl? 13:02-13:20 Closing Remarks