Show cover of Jake Of All Trades

Jake Of All Trades

Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, and more. You will get real life tools you can use to take control of your financial future. Submit your questions to jake@youandifinancial.com , contact twitter.com/jakestwocents, Facebook @jakestwocentsSecurities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances.

Tracks

Worst Financial Decisions on the internet!
Ever grappled with a financial decision that felt like a fork in the road of life? Join us, Jake and Kirk, as we recount tales that merge money with the heart, drawing wisdom from those who've walked the path before us. Today's episode is a deep dive into the shadows of sacrifice and regret—those moments when we choose between material wealth and the riches of life. We start by sharing stories from the "Ask Old People" community on Reddit, where raw experiences shed light on the tough trade-offs between financial gain and personal values, such as relinquishing a lakeside property for family's sake.Money and friendships can mix like oil and water; we've all been there. We unravel the complexities of financial entanglements with pals, recounting cautionary tales that might make you think twice about mixing your wallet with your social circle. From selling cars to loaning cash, the anecdotes we bring to the table illuminate the nuances of trust, character, and the sometimes-hidden costs of generosity. We don't just tell you what went wrong—we explore how to navigate these murky waters, hopefully without capsizing your relationships or your bank account.As we wrap things up, we take a step back to appreciate the twists of fate that finances can cast upon our life's journey. Reflecting on the bittersweet sting of selling inherited stocks too soon or the enduring debate of investing in a liberal arts degree, we contemplate the 'what ifs' and the wisdom of hindsight. These tales aren't just about money; they're about the chapters of our lives we write with every choice we make. So, if you're seeking guidance, inspiration, or just a good story that resonates with the ups and downs of financial planning, you've hit the jackpot with this episode.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
32:58 2/5/24
Asking Reddit: Pay for Life Insurance or Save for Retirement?
Ever found yourself struggling to navigate the choppy waters of financial planning? You're not alone. In our latest podcast episode, we tackle the real-life conundrum faced by a Reddit user - the challenge of choosing between funding their Roth account or maintaining a whole life insurance policy amid the rising costs of a new home purchase. As your hosts, Jake and Kirk, we dissect the intricate details of whole life insurance policies, with a special focus on their savings component. We'll also dive into how they measure up against the benefits of a Roth account, shining a light on the decision-making process for those in a lower tax bracket, and addressing the elephant in the room - the potential conflicts of interest lurking behind financial advisors' recommendations.This episode isn't just about making tough calls; it's an expedition into the vast landscape of life insurance and its role in securing your financial future. We discuss the merits of term insurance versus the investment-like allure of whole life policies, and we don't shy away from the hard-hitting realities of biased advice. With our expertise, we aim to guide you through understanding the true motivations behind the guidance from financial advisors, many of whom might also be insurance salespeople. Our conversation is candid and tailored to empower you with knowledge, so you can seek out a financial advisor who truly has your best interests at heart. Join us as we illuminate the importance of making informed decisions that resonate with your personal financial goals, and help you embrace the art of managing life insurance and retirement savings like a pro.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
22:23 1/29/24
Navigating the Waters of Love and Money: The Great Debate on Merging Finances in Relationships
Are your finances and romance on speaking terms, or is it time they got relationship counseling? On the latest Jake of all Trades show, we grapple with the question that has couples scratching their heads: to merge or not to merge money? I, Jake Nuno, financial guru, and my co-host Kirk navigate the stormy seas of joint bank accounts and individual financial freedom. We dive deep into the psychology behind shared wallets, offering you practical and thought-provoking insights. Whether you're tying the knot or just trying to tie up your financial loose ends together, we've got the blueprint for monetary bliss in matrimony. When love and money mix, the cocktail can either be intoxicatingly successful or a recipe for disaster. We throw down the gauntlet on income disparity in relationships, dissecting how an executive and a teacher can sail in unison on the choppy waters of their joint fiscal voyage. We don't just stay aboard the ship of high-earning couples; we also chart the course for partners where one may not be as financially savvy. From societal expectations to the often invisible contributions of household management, we unpack the complex interplay between love, money, and power dynamics, ensuring you're well-equipped to navigate these treacherous currents.Ever wonder if your partner's secret shopping spree is a flare signaling SOS? This episode isn't shy about revealing the hidden icebergs of financial infidelity that can sink the strongest of relationships. We advocate for open communication channels and joint financial strategizing sessions, all to avoid the silent undercurrents that can lead to a couple's downfall. We're not just here to preach financial unity; we're here to embolden you and your significant other to build an empire, brick by brick, with transparency and trust as your cornerstone. So tune in, take notes, and let's pave the road to your joint financial future—with a dash of humor and a wealth of knowledge.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
34:32 1/11/24
Real Stories of Financial Missteps in Love and Work
Ready to uncover the secret pitfalls of financial decisions in marriage? We're pulling back the curtain and sharing real stories of monetary missteps that have rocked relationships. We don't just stop at the mistakes, though. We offer valuable insights and advice on how to avoid these blunders, whether you're single, engaged or already hitched. We're getting real about love and money, highlighting the importance of aligning financial priorities before saying "I do."We also take a deep dive into how fashion and boomer parents’ advice play a unique role in shaping our financial decisions. We're dissecting the fascinating intersections of finance and career, shedding light on how workplace expectations and entitlement can wreak havoc on your financial health. Drawing from our own experiences and a few enlightening Reddit submissions, we're dishing out some hard-hitting advice that might just save you from your own financial folly. So buckle up and get ready for a no-holds-barred exploration of finance, fashion, and relationships.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
44:32 1/4/24
The Domino Effect of Real Estate Doom Loop on the Banking System
Could the American real estate market be on the brink of catastrophe? That's what an intriguing Wall Street Journal article suggests and today we're breaking it down for you. We're delving into the foreboding concept of a 'real estate doom loop' and the potential threat it poses to our banking system. Exploring the unique application of a doom loop across various cultures, countries, and circumstances, we go deep into the implications of a higher percentage of lending portfolios being tethered to commercial real estate loans. We're also shining a spotlight on the Federal Reserve's interest rate hikes and discussing how this could set off a domino effect leading to a second banking crisis.But it's not all gloom and doom. We also turn our attention to the future of commercial real estate and the opportunities that lie within the challenges. Consider this: what if vacant commercial buildings were transformed into residential or mixed-use spaces? This could ease population density problems and even open up unique investment avenues. We discuss the role of interest rates in this scenario and consider if mega corporations could leverage discounted housing as a new form of employee compensation. To wrap things up, we share some crucial insights on investment risk and stress the importance of consulting a financial advisor. Get ready for a thought-provoking conversation that will change the way you view the real estate market.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
26:40 12/11/23
Rethinking Mortgages: From Debt Fear to Financial Freedom
Imagine if your mortgage, that debt you've been conditioned to fear, was actually a step towards financial freedom? That's the provocative idea we tackle in today's episode as we challenge the conventional wisdom surrounding debt. We share personal anecdotes of navigating the complexities of owning an appreciating asset and the benefits of tax deductions. We also share our insights on why paying off a mortgage early might not always be the best strategy, especially if the interest rate is low.We don't stop at mortgages though. We delve deep into the role of money as an IOU for the future and discuss the psychology behind the distrust people often harbor towards money and the market. We talk about the emotional aspect of bearing a mortgage debt and address the fear associated with it. Moreover, we shed light on the concept of productive and non-productive debt, emphasizing the importance of understanding the difference. To round off, we share three practical strategies for paying off mortgage debt and underscore the importance of caution and transparency when dealing with mortgage lenders. Join us for this eye-opening discussion as we reframe the narrative on mortgages and financial planning.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
26:30 11/26/23
Exploring the Perilous Rise of US Consumer Debt & Smart Methods to Overcome It
Have you ever wondered where the US economy stands in terms of consumer debt? Let's explore together the alarming trends piling up around us. Kirk and I, Jacob, take a deep look into a stark report from JP Morgan which highlights the rising consumer debt, a ticking time bomb that could potentially blow up the American economy. We examine how this issue is plaguing the bottom half of earners, impacting their ability to contribute to economic growth and leaving them in a vicious debt cycle. We also discuss an intriguing Bankrate article that reveals an unsettling surge of 8% in credit card balances carried from month to month over the past two years.That's not all. Feel the gravity of the situation as we analyze the fallout from the recent suspension of federal student loan payments due to the COVID-19 pandemic. We bring to light the harsh reality of how this has led to an accumulation of debt for many, potentially triggering an economic downturn. Don't fret though, we've got your back. With our handy budgeting strategies and debt consolidation tips, you'll be well equipped to navigate these troubled financial waters. We discuss tactful ways of restructuring and repaying debt, like the balance transfer option for those with good credit. Tune in for these enlightening insights and invaluable strategies to master your finances.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
31:36 10/29/23
Exploring the True Meaning of Wealth and Morality In Ayn Rand's "Money Speech"
Ready to challenge your traditional beliefs about money? Join Kirk and me as we dissect the morality of money, sparking thought-provoking conversations about wealth, values, and honor. We delve into influential perspectives from Andrew Carnegie's 'The Gospel of Wealth', Ayn Rand's 'The Money Speech', and Francisco d'Anconia's 'The Money Speech', revealing how a negative view of money could impact your future financial success.Dive into a fascinating exploration into wealth creation and the vital role of honorable values. Together, we confront the idea that the wealthy are wholly responsible for their inheritors, questioning traditional beliefs and arguing that the original producer of wealth must remain honorable and provide value. By exploring how regulations and governments can distort free markets, we delve into the potentially dishonorable practices within wealth production.Lastly, join us as we navigate your personal view of money. Discover how feelings of guilt or frustration about money reveal your own outlook on life and capabilities. Learn about the concept of money being encapsulated energy and why you should take pride in buying something nice for yourself. We also discuss how to love the way you make money and why it's essential to be emotionally attached to your wealth. So get ready, let's embark on this enlightening journey together and forever change the way you perceive money and its moral implications.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
46:37 10/27/23
The Capitalist Conundrum: Carnegie and Rand's Views on Wealth
Harness the power of provocative thinking as we journey into the persuasive minds of two towering figures, Andrew Carnegie and Ayn Rand. We promise to give you a new perspective on their philosophies about wealth and money, and how these radical ideas continue to shape societal expectations. This promises to be more than just a discussion; this is an exploration of the deep, philosophical underpinnings of wealth.We kick off our dialogue by scrutinizing Andrew Carnegie's 1889 essay 'The Gospel of Wealth', which enlightens us on his profound belief in the moral responsibility of the super-rich to use their wealth for societal good. We follow this with a study of Ayn Rand's Objectivism views, as passionately defended in Francisco Denconia's 'Money Speech' from her novel 'Atlas Shrugged'. We promise to leave no stone unturned, and even dare to question if life is genuinely better due to the industrial revolution's increased wealth, as Carnegie argued.As we delve deeper, we navigate the murky waters between the individual and collective good, and their relationship with wealth distribution and philanthropy. We tackle this head-on by analyzing both Carnegie's 'The Gospel of Wealth' and Ayn Rand's Objectivism. We challenge the responsibilities of the wealthy and how they manage their wealth for societal benefit. This discussion promises to stretch your thinking and offer fresh perspectives on the dynamics of wealth and philanthropy. So, buckle up and get ready for a mind-bending ride into the world of money and wealth.Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
47:17 10/23/23
9 Biggest Ways you are wasting money
There are many apps that helps us to organize our financial lives. Nevertheless, there are simple mental shifts that can help you rethink the way you are spending money so that you aren’t wasting it.    *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
36:45 8/28/23
Beyond the Hype: The Realities of Rental Property Investments
In a recent episode of the "Jack of All Trades" podcast, host Jake Nuno delved into the subject of passive income from rental properties, a topic currently gaining traction, especially among young professionals. While low mortgage rates until 2022 made owning multiple properties seem appealing, rising rates are beginning to change that narrative. Jake highlighted the need for investors to be aware of the hidden costs and potential pitfalls of using mortgages for such investments. Drawing from personal experience, he shared the story of considering turning his previous home into a rental property. Despite the potential for a positive cash flow, Jake factored in property management fees and unforeseen expenses, like a failing water heater. Such unexpected costs could have easily turned a seemingly profitable venture into a financial burden. Jake's core message: while rental properties can be lucrative, potential investors should be wary of operating costs and have realistic profit expectations. The podcast continued with a discussion on budgeting for a house purchase. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
30:54 8/10/23
Is a Housing Bust Coming?
A Houston-based landlord has reduced their portfolio of rental units from 7,000 to 3,000 in a relatively short period of time. This raises the question of whether this is indicative of a larger problem. Tune in to Jake and Kirk's discussion to learn more.   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
37:39 8/4/23
Living Single and Maximizing Your Money
What can you do to maximizing your money and financial future if you are single? There are many tax advantages as well as planning advantages to having two incoomes. Today Jake and Kirk discuss single life and how to improve your finances.   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
31:44 7/21/23
They’ve Made a Deal: Debt Ceiling and the Market’s Reactions
The Debt ceiling has been raised and you’ll likely have to make some changes to your financial planning.  On this episode we have added a new segment: Money Monologue with Jake Nuno. He will teach a financial concept each week in a short talk. This week he will discuss how media effects your financial biases. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
33:01 7/10/23
Financial Literacy for Kids
Jake and Kirk believe in the power of financial literacy in building happy and fulfilled lives. On this episode they discuss some methods and techniques for teaching children about financial literacy at a young age. They break this down into ages as young as 6 years old and on up to high school age. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
45:18 6/30/23
Hey Small Businesses, Did your Tax Bill SHOCK You?
Unfortunately, many small businesses with surprised on April 18th, Tax Day, when they discovered some hefty additional taxes. For 2022, it may be too late to alter your taxes (though you should speak to a tax professional to make certain). However, these tax changes can affect you for 2023. You should be taking steps to reduce your tax burden during the year. On this episode Jake and Kirk discuss some of these steps you can take and plans you can make for 2023.    *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
35:10 5/29/23
5 Steps to Take in a Banking Crisis
Jake and Kirk discuss the banking crisis and give 5 specific steps to consider amidst this particular crisis and other potential ones in the future. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
37:10 5/19/23
Life Insurance through work?
How can you know if the life insurance through your work is sufficient for your needs? On this episode Jake and Kirk discuss ways to think through what is a proper life insurance for you. This of course differs for everyone. But there are helpful principles.   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
18:17 5/5/23
Should I Opt out of my Pension to Pay for Rising Cost of Living
With cost of living expenses rises and incomes not necessarily meeting those costs, people are having difficult conversations about their finances. One question financial advisors get during times like this is about opting out of one’s pension plan in order to meet the rising costs. On this episode Jake and Kirk discuss this issue and what can be done. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346    Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
26:03 4/28/23
Guest Interview: Yuri Elkaim--Health, Business and Finances
On this episode Jake and Kirk talk to Yuri Elkaim, a best selling author and business coach. Yuri was a professional soccer player who became a bestselling author by simplifying the complexities of health choices. We discuss his unique journey as well as his methods for business and financial success.  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
48:14 4/12/23
The Team You Need To Buy The House You Want
The housing market is changing and so did Kirk’s perspective on homeownership. On previous shows Kirk discussed his reasons for not buying a house. Despite the rise in interest rates, he was able to buy a home. On this episode Jake and Kirk discuss the ins and outs of the homebuying process as well as who was on the team to help Kirk accomplish this. Special Shout out to Kirk's Team: Jake Rivas - Financial Advisor Laura Powell - Real Estate Agent Dani Rudd - Loan Officer The Team at Texas National Title Hillary Romero - Real Estate and Finance Advisor    *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
40:49 4/7/23
These Five Retirement Plans Often Fall Apart!
There are 5 big mistakes that retirees make that can easily derail their plans.  *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
32:37 3/31/23
Are we in a Banking Crisis?
With the failure of Silicon Valley Bank (SVB) and Signature Bank, many people are preparing for the worst. On this episode Jake and Kirk discuss exactly what occurred on March 10th, and since then. They break down this particular crisis as well as explain how this effects your wallet. -- *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346      Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
41:48 3/23/23
Risk Tolerance Tools Are insufficient!
Risk Tolerance Tools Are insufficient! When attempting to figure out your risk tolerance towards financial investments, the generic tools and calculators and quizzes available, while helpful, are not enough. In order to really understand your risk tolerance you need this one critical thing. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
17:33 3/13/23
Emergency Savings Changes in Secure Act 2.0
This act is the largest retirement reform in the history of America. Here we dig into a newly implemented rule to your 401k savings. “Most people won’t save money unless their employer somehow does it for them in the form of a payroll deduction.” - Suze Orman. This viewpoint from financial planners is what has led to a small but very significant change to how your 401ks will now work. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
22:45 3/10/23
35% of Millionaires feel they don’t have enough for retirement!
On this episode Jake and Kirk discuss one of the most basic retirement planning “rules of thumb,” The 4% rule. Is it time to change that rule?   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
26:09 3/7/23
Secure Act 2.0: Changes to 401ks
Some of the early implementations of this massive new bill, Secure Act 2.0, are already taking affect. On this episode Jake and Kirk discuss the changes to your 401k. This will be a good overview to help you strategize with your financial planner regarding your retirement plan. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
25:57 2/16/23
Don’t Wait till retirement to Travel!
A recent survey found that most Americans still believe in waiting till retirement to travel more. On the show Jake and Kirk discuss this issue and some ways to make travelling before retirement a priority.     *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346  Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
29:53 2/6/23
Don't rely on just retirement savings get retirement income
On this episode Kirk & Jake discuss some methods for attaining retirement income, so you don’t have to rely just on retirement savings.   *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
26:16 2/1/23
No Student Loan Forgiveness for You!
In previous episodes Jake and Kirk discussed the possibility of student loan forgiveness and what it might look like. As of now there seems to be no possibility of student loan forgiveness occurring in the near future. What now? *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346
25:29 1/18/23

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