“The Retirement Clinic” Radio Show

Click on the links below to listen to a rebroadcast of “The Retirement Clinic” Radio Shows.

The Retirement Clinic airs Saturdays at 10:00 a.m. on WISN radio.

News Talk 1130

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2017 The Retirement Clinic Radio Shows 

The Retirement Clinic Radio Show – 10-21-17

The Retirement Clinic Radio Show – 10-14-17

The Retirement Clinic Radio Show – 9-16-17

The Retirement Clinic Radio Show – 9-9-17

The Retirement Clinic Radio Show – 8-26-17

The Retirement Clinic Radio Show – 8-19-17

The Retirement Clinic Radio Show – 7-29-17

The Retirement Clinic Radio Show – 7-22-17

The Retirement Clinic Radio Show – 7-1-17

The Retirement Clinic Radio Show – 6-24-17

The Retirement Clinic Radio Show – 6-17-17

The Retirement Clinic Radio Show – 6-3-17

*Any opinions are those of Aaron Kowal and Christine Specht and are not necessarily those of Raymond James.

The Retirement Clinic Radio Show – 5-20-17

The Retirement Clinic Radio Show – 5-13-17

The Retirement Clinic Radio Show – 5-6-17

The Retirement Clinic Radio Show – 4-8-17

*Any opinions are those of Jeff Kowal and Mark Andringa. Raymond James is not affiliated with and does not endorse the opinions or services of Mark Andringa, Cramer, Multhauf & Hammes, LLP.

The Retirement Clinic Radio Show – 3-25-17

*This information is not intended as a solicitation or an offer to buy or sell any product or security referred to herein. Raymond James and its advisors do not provide mortgage advice. Accolades such as Milwaukee Biz Journal’s Future 50 List are independently determined and awarded by their respective publications. For more information on a particular rating, please visit their corresponding website. To view the full list of winners: http://www.mmac.org uploads/3/7/9/6/37962993/2016_future_50_winners.pdf  
Raymond James is not affiliated with and does not endorse the opinions or services of Milwaukee Biz Journal.

The Retirement Clinic Radio Show – 2-25-17

The Retirement Clinic Radio Show – 2-18-17

The Retirement Clinic Radio Show – 1-28-17

The Retirement Clinic Radio Show – 1-21-17

2016 Retirement Clinic Radio Shows

The Retirement Clinic Radio Show – 12-3-16

The Retirement Clinic Radio Show – 11-26-16

The Retirement Clinic Radio Show – 11-05-16

The Retirement Clinic Radio Show – 10-15-16

*Any opinions are those of Jeffrey D. Kowal, ChFC, CLU, AEP, Aaron T. Kowal, CFP©, John Hayward and/or Christine Hayward and not necessarily those of Raymond James.

The Retirement Clinic Radio Show – 10-8-16

The Retirement Clinic Radio Show – 10-1-16

The Retirement Clinic Radio Show – 9-24-16

The Retirement Clinic Radio Show – 9-17-16

The Retirement Clinic Radio Show – 8-27-16

The Retirement Clinic Radio Show – 8-20-16

The Retirement Clinic Radio Show – 7-30-16

The Retirement Clinic Radio Show – 7-16-16

The Retirement Clinic Radio Show – 7-9-16

The Retirement Clinic Radio Show – 6-25-16

The Retirement Clinic Radio Show – 6-18-16

The Retirement Clinic Radio Show – 6-11-16

The Retirement Clinic Radio Show – 5-21-16

*Raymond James is not affiliated with and does not endorse the opinions or services of Honor Flights or it’s representatives.

The Retirement Clinic Radio Show – 5-7-16

The Retirement Clinic Radio Show – 4-30-16

The Retirement Clinic Radio Show – 4-16-16

*Raymond James is not affiliated with and does not endorse the opinions or services of Karyl Richson.

The Retirement Clinic Radio Show – 4-9-16

The Retirement Clinic Radio Show – 4-2-16

The Retirement Clinic Radio Show – 3-26-16

The Retirement Clinic Radio Show – 3-19-16

*Raymond James is not affiliated with and does not endorse the opinions or services of Ray Arndt and Legacy Life Now and LegacyLifeNow.com.

The Retirement Clinic Radio Show – 2-27-16

The Retirement Clinic Radio Show – 2-20-16

The Retirement Clinic Radio Show – 1-30-16

The Retirement Clinic Radio Show – 1-2-16


WTKM

Aaron Kowal, CFP® can be heard the first Tuesday of every month at 10:00am on 104.9 WTKM. Listen to Dave Stout’s “Open Line” for financial advice and questions from the callers.

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2017 WTKM Radio Shows

The WTKM Radio Show 10-2-17

The WTKM Radio Show 8-1-17

The WTKM Radio Show 7-11-17

The WTKM Radio Show 6-6-17

The WTKM Radio Show 4-17-17

The WTKM Radio Show 3-7-17

The WTKM Radio Show 2-7-17

The WTKM Radio Show 1-10-17

2016 WTKM Radio Shows

The WTKM Radio Show 12-13-16

The WTKM Radio Show 11-1-16

The WTKM Radio Show 10-4-16

The WTKM Radio Show 9-6-16

The WTKM Radio Show 8-2-16

The WTKM Radio Show 7-12-16

The WTKM Radio Show 6-14-16

The WTKM Radio Show 5-3-16

 

The WTKM Radio Show 4-12-16

*Barron’s award is based on assets under management, revenues generated, regulatory record, quality of practice and philanthropic work. 

 

News Talk 1130

Jeff Kowal and Aaron Kowal, along with Kiersten Beecroft, Aaron Spitzner, Jeff Beecroft, and Heather Krugler, provide you with daily market reports which can be heard on WISN during the 3:00pm news block  (just after the Vicki McKenna show), and during the 5:00pm news block, during the Mark Belling late afternoon show.

This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Jeffrey D. Kowal, ChFC, CLU, AEP and/or Aaron T. Kowal, CFP© and not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. The information contained in this radio show does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion. RMD’s are generally subject to federal income tax and may be subject to state taxes. Consult your tax advisor to assess your situation. Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 plans before investing. This and other information is available in the issuer’s official statement and should be read carefully before investing. Investors should consult a tax advisor about any state tax consequence of an investment in 529 plan. Investments mentioned may not be suitable for all investors. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The hypothetical example in this radio show is for illustration purpose only and does not represent an actual investment. Actual investor results will vary. Past performance may not be indicative of future results. Raymond James is not affiliated with and does not endorse the opinions or services of any non-Raymond James speakers or of WISN and WTMJ.
Guarantees are based on the claims paying ability of the issuing company. Long Term Care Insurance or Asset Based Long Term Care Insurance Products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59 ½, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. These policies have exclusions and/or limitations. The cost and availability of Long Term Care  insurance depend on factors such as age, health, and the type and amount of insurance purchased. Please consult with a licensed financial professional when considering your insurance options.
Data provided by SHOOKTM Research, LLC. Data as of 3/31/17. SHOOK Research considered advisors born in 1980 or later with a minimum 4 years relevant experience. Advisors have built their own practices and lead their teams; joined teams and are viewed as future leadership; or a combination of both. Ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC. Neither SHOOK nor Forbes receives compensation from the advisors or their firms in exchange for placement on a ranking. Raymond James is not affiliated with Forbes or Shook Research, LLC. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. For more information see www.SHOOKresearch.com. 1Minimum account sizes re general since it can vary depending on a range of circumstances. 2Advisors are judged on individual contribution but total team assets are shown, which can include one or more additional advisors. Minimum account sizes are general since it can vary depending on a range of circumstances. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein.

 

Barron’s “Top 1,200 Financial Advisors,” 2017. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The rankings are based on data provided by over 4,000 individual advisors and their firms and include qualitative and quantitative criteria. Data points that relate to quality of practice include professionals with a minimum of 7 years financial services experience, acceptable compliance records, client retention reports, charitable and philanthropic work, quality of practice, designations held, offering services beyond investments offered including estates and trusts, and more. Financial Advisors are quantitatively rated based on varying types of revenues produced and assets under management by the financial professional, with weightings associated for each. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment picking abilities. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/ rating. Barron’s is not affiliated with Raymond James. Rankings are comprised of wirehouses, independent and RIA advisors; individual advisors not required to be individually registered in FINRA.
The Forbes ranking of America’s Top Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience. Ranking algorithm is based on quality of practice, including: telephone and in-person interviews, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC which does not receive compensation from the advisors or their firms in exchange for placement on the ranking. Research Summary as of September 2017: 19,872 Advisor nominations were received, based on thresholds. 4,504 Advisors were invited to complete the online survey. 4,432 Advisors were interviewed by telephone. 923 Advisors were interviewed in-person at the Advisors’ location. Final list of the top 250 Advisors was then compiled based upon the quantitative criteria. Raymond James is not affiliated with Forbes or Shook Research, LLC.  This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating
The FT 400 was developed in collaboration with Ignites Research, a subsidiary of the FT that provides specialized content on asset management. To qualify for the list, advisers had to have 10 years of experience and at least $300 million in assets under management (AUM). The FT then invited a list of just under 1,000 advisors to complete a survey used to obtain more information on the advisors practices. 400 qualified advisers were then scored on six attributes: AUM, AUM growth rate, compliance record, experience, industry certifications and online accessibility. AUM is the top factor, accounting for roughly 60-70 percent of the applicant’s score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that’s roughly correlated to the distribution of millionaires across the U.S. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. The FT is not affiliated with Raymond James.
Winner’s Circle, a Barron’s research organization, produced the rankings based on data provided by over 4,000 individual advisors and their firms. Advisor data is confirmed via regulatory databases, cross-checks with securities firms and conversations with individual advisors. Among the factors considered for the rankings are assets under management, revenue that the advisors generate for their firms and the quality of their practices. Data points that relate to quality of practice include length of service, designations held, services beyond investments offered including estates and trusts, and an evaluation of each advisor’s regulatory record etc. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment picking abilities. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron’s is not affiliated with Raymond James.
The Future 50 Program recognizes privately-owned companies in the seven-county Milwaukee region that have been in business for at least three years and have shown significant revenue and employment growth. Raymond James is not affiliated with and does not endorse the opinions or services of MMAC or Park Bank.
The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary.
Raymond James is not affiliated with and does not endorse the services or opinions of Ed Slott, the Elite IRA Advisor Program or any of the publications mentioned. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professionals.
The Hayward Group is not a registered broker/dealer and is independent of Raymond James Financial Services.
Bitcoin is a peer-to-peer electronic cash system or “cryptocurrency” that doesn’t rely on trusting one central monetary authority and allows for anonymous,untraceable and nontaxable transactions.The prominent underlying risk of using Bitcoin as a medium of exchange is that it is not authorized or regulated by any central bank. Additional risk factors include:
·Bitcoin issuers are not registered with the SEC·Bitcoin marketplace is highly unregulated in nature
·Digital currencies can be exploited by criminals for money laundering/terroristfinancing
·New trends, such as Bitcoin, are typically exploited by criminals
Securities that have been classified as Bitcoin-related securities may no longer be purchased or deposited in Raymond James client accounts.
The 2017 ranking of Inc. Magazine’s Inc. 5000 list, is based on the percentage of revenue growth over a three-year period, 2013 to 2016. To qualify, companies must have been founded and generating revenue by March 31, 2013. They had to be a U.S.-based, privately held, for profit, and independent – not subsidiaries or division of other companies. The minimum revenue required for 2013 was $100,000, the minimum revenue required for 2016 was $2,000,000. Inc. Magazine reserves the right to decline applicants for subjective reasons. This award is bestowed by an independent third party organization not affiliated with Raymond James. This award does not ensure future investment performance, is not an endorsement, and may not be indicative of individual clients’ experience.
The Dow Jones Industrial Average (DJIA), commonly known as “The Dow” is an index used to measure the daily stock price movements of 30 large,
publicly owned U.S. companies.