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Retirement
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Formerly Mastering Money, but still the Common Sense Financial Hour…
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Mastering Money 5/24/22

by | Sep 27, 2025 |

Today, a very special guest…but first
…Have you heard of the Rule of 36? Most people know the Rule of 72 which will calculates how long a sum of money will take to double at a certain rate of return. For example, if you’re making six percent, your money will double in twelve years. It’s a LAW of Mathematics. The Rule of 36 is reserved for Dividend Growth investors who reinvest dividends in companies that GROW their dividends. They get both the increase in share price over time PLUS the growth in the dividend rate over time. The results can be REMARKABLE. We’ll review an excellent example today. You don’t want to miss today’s show MASTERING MONEY is on the air!!

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Mastering Money 5/18/22

by | Sep 27, 2025 |

A Wall Street Journal-published-report points out that many of us routinely—and even BLINDLY—rely on the advice of ALGORITHMS in all aspects of our lives today, from choosing the fastest route to the airport to deciding how to invest our retirement savings. In short, WE are programmed– not just our phones. And we’ve come to rely on—and trust—algorithms for many things we do.  ….But should we trust them as much as we do? Research suggests maybe we shouldn’t.  Especially when it comes to high-stakes financial decisions that can affect our retirement savings.  Algorithmic trading uses computer programs to trade at high speeds and volume. Today, four fifths of all trades in the U.S. stock market are either fully or partially done by algorithms. Index funds are especially vulnerable. Today, we’ll explain how to build a retirement investment strategy that can benefit from algorithms, not be crushed by them.  A very timely show you don’t want to miss…MASTERING MONEY is on the air!!

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Mastering Money 5/19/22

by | Sep 27, 2025 |

Retirement is supposed to be easy.  This is the time in your life when you want to start relaxing and enjoying your life. You’ve put in your time…you want to reap the rewards. Twenty years ago, the secret to retirement was to move half of your  money to bonds paying five to seven percent…. You got the SAFETY you needed– and typically enough interest  to keep you from worrying about your money!  But twenty years ago,  you were likely PERTURBED because the rate on a ten  year treasury was dropping all the way “down” to five or six percent!   Today, a ten year treasury bond is paying less than one point seven percent!   Yet the advice you still may get from a big-box-brokerage like Vanguard, Fidelity, or Edward Jones,  is to keep buying those bonds paying the lowest interest in one hundred years. Today, Steve  will break down what a huge risk you may be taking, and how to fix it.  Don’t miss today’s show MASTERING MONEY is on the air!

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Who We Are

Disciplined

THINK Wealth Advisory, LLC provides experienced investment management services and portfolios designed for retiring professionals.

What We Do

Guide & Coach

With a proven financial track record spanning 22+ years, our focus is on helping create exceptional investment and fixed income options for clients and advisors.

How We Work

Our Mission

To help clients and advisors build, grow, and protect meaningful wealth using a simple, field-tested financial bucketing system.

Keeping Your Retirement Goals Front and Center

As we begin the planning process, your retirement goals remain our top priority. Clearly defining the kind of retirement you envision allows us to strategically align each asset with a specific purpose and timeline—ensuring your money works for you, when you need it.

At this stage, most of our clients have important questions, such as:

  • Social Security: When is the best time to start collecting?
  • Required Minimum Distributions (RMDs): How will they impact your taxes and income?
  • Current Portfolio Review: What’s working, what’s not, and what adjustments make sense?
  • Retirement Security: How protected are you from market volatility?
  • Mutual Fund Concerns: Are they too risky for your retirement goals?
  • Risk Reduction & Income Growth: How can you create more stability?
  • Tax Strategies: How can you minimize your tax burden in retirement?
  • IRA Rollovers & Roth Conversions: Are they the right move for you?
  • Investments & Annuities: What role should they play in your financial plan?
  • “Are annuities really safe?” (Hint: It depends on the type of annuity and how it’s structured.)

If you have additional questions, we’re here to answer them all—ensuring you feel confident and in control of your retirement future.

Getting Started

Step #1

Schedule

Schedule Your Free Retirement Review with an experienced advisor who focuses on retirement.

Step #2

Review

We evaluate your current situation and identify key action points — starting to develop your strategy.

Step #3

Plan

Once we arrive at the retirement strategy that is best suited for you, we go to work to make it reality

Schedule Your Free Retirement Review

Free Retirement Review

Schedule a Meeting