Wealth Unlocked

Market volatility is often feared as a harbinger of financial doom, but let’s not forget that it can also bring incredible opportunities for profit. While it’s true that volatility can lead to a drop in investment value, it can also surge and produce spectacular returns for savvy investors. In this episode, Tom Selbo explores market volatility and why not all volatility is bad for investors. Tom reveals how the different phases of volatility are perceived from a spending or investment perspective and their influence on investment planning. Tom discusses: The main phases of market volatility How those different phases impact client spending habits Why selling during a market downturn can decrease investment value The influence of human emotion on investment planning during market volatility And more Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777   The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

You have spent years saving up for retirement. Then you start to take out your retirement income and you have to pay taxes on it. How can you protect your retirement income? In this episode, Tom Selbo is joined by Chad Broberg, a wealth advisor at Landmark Wealth Management Group, in discussing Roth IRAs, their role in retirement and tax planning, and when you should consider adding them to your plan. Chad focuses on: What a Roth conversion is Why they are important in retirement planning When clients are most in need of Roth IRAs What clients don’t realize about taxes and how Roth IRAs provide a solution And more Resources:  Episode 13 – IRAs vs. Roth IRAs: Delayed Gratification (Ep. 13) Connect With Chad Broberg: LinkedIn: Chad Broberg Connect With Tom Selbo: Tomselbo@landmarkwealth.net https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 About Our Guest: After teaching middle school math Chad became a wealth advisor in 2001. He is passionate about developing and managing a strategy for his clients in or nearing retirement that allows them to confidently navigate the ups and downs of the stock market and life, so they can truly enjoy the retirement they worked so hard to create. Chad has earned numerous financial planning industry designations, as well as various awards.  Chad graduated with degrees in Education and Math from Saint John’s University in Collegeville, MN. The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

Unleashing the Next Frontier in Retirement Planning: The Secure Act 2.0 takes center stage.  Join Tom Selbo as he delves into the exciting changes brought forth by this game-changing piece of legislation. Discover how the Secure Act 2.0 is shaking up the retirement planning world, with a special focus on the two groups who will feel its impact the most: the pre-73 retirees and those with employer-sponsored retirement plans. Get ready to take your retirement planning to the next level! In this episode: Uncover the Secrets of a Smarter Retirement Plan Explore the fascinating world of retirement planning and the impact of the Secure Act 2.0 Discover the game-changing effects of delaying required distributions on the phases of retirement Uncover who benefits from delaying distributions and how Learn about the automatic enrollment of employees in employer retirement plans and its benefits for job changers Get a glimpse into the future of 401(k) plans with the addition of emergency savings accounts And much, much more! Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

Do you have an IRA or a Roth IRA? What’s the difference? In this episode, Tom Selbo explains the difference between IRAs and Roth IRAs, and why it might matter to you. He starts off with a fun story about delayed gratification. Tom then applies the lesson from the story to the discussion about the different circumstances where an IRA or Roth IRA is better suited. Tom discusses: The differences between IRAs and Roth IRAs, and how they work Who should consider a Roth IRA and the rules for one in 2023 How he thinks about Roth IRAs from a strategic and optimization standpoint Why you may need a plan when using multiple retirement savings vehicles And more Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy, or investment product.  Always seek the advice of your financial advisor or other financial service providers with any questions you may have regarding your investment planning.

Most New Year’s resolutions are given up less than a month into the new year. How can you stay accountable to your financial goals? In this episode, Tom Selbo focuses on sticking to your financial goals in 2023. He shares the importance of having someone else know about your goals, the role of a financial advisor in building your financial goals, and why many people don’t take the step to hire a financial advisor. Tom discusses: The top eight new year’s resolutions Why financial planning is so important for 2023 How to take the first step is staying accountable to your financial goals How financial advisors can take your financial plan to the next level And more Resources:Wealth Unlocked, Landmark Wealth Management Group, Tom Selbo, Advisor, Initial Public Offering, Financial Planning, New Year Resolution, Investment Planning, Financial Advisor, Financial Goals America’s Top New Year’s Resolutions for 2023 by Katharina Buchholz Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy, or investment product.  Always seek the advice of your financial advisor or other financial service providers with any questions you may have regarding your investment planning.

It seems the dream of every homeowner is to pay off their mortgage. But is that the best choice for you? In this episode, Tom Selbo dives into mortgage payments, when to pay them off and where that same money could be put to better use. He shares general information about paying off your mortgage before, during or after retirement and the risk factors to consider when paying it off. Tom discuss: The pros and cons of paying off your mortgage early Alternative options for investing money instead of on higher mortgage payments The potential penalties for paying off your mortgage early How age factors into paying off your mortgage early And more Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

Peanut butter and jelly, minnie and mickey, stocks and bonds, rather some well known duos. Well the first two are easy to understand, the relationship between stocks and bonds can be a bit more complicated.  In this episode, Tom Selbo will run through the basics of how bonds fit into your investment portfolio and why you need to be aware of what kind of bonds you’re buying. Tom discusses: Defines what a bond is The types of bonds that are popular The risks with bonds that people aren’t aware of Two reasons bonds become a more important part of your portfolio And more Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

Everyone knows a will is essential in financial planning. So why doesn’t everyone have one? More importantly, how comprehensive is the plan? In this episode, Tom Selbo dives into estate planning, who needs one and how it benefits the family even while you are living. He also shares stories about families without estate plans and how the government ended up distributing the assets with no will. Tom discusses: How an estate is passed without a will What a comprehensive estate plan consists of Who benefits from an estate plan When you should start estate planning And more Connect With Tom Selbo: Tomselbo@landmarkwealth.net  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

What is a concentrated investment? Do you have any? In this episode, Tom Selbo discusses the problem of having a concentrated investment position and why oftentimes why people don’t consciously choose to. He also explains some common pitfalls when it comes to stocks and real estate.  Tom discusses: A definition of a common concentrated investment What’s so bad about having one concentrated position Two strategies for approaching a concentrated investment position And more Connect With Tom Selbo: Tomselbo@landmarkwealth.com  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777   The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

Buckets can hold just about anything, including your investments and savings.  In this episode, Tom Selbo will help you understand the bucket strategy and how each bucket serves a different purpose for you. With its need specific and purpose driven strategy, you can start planning specifically for your different life goals. Tom discusses: The most common use of the bucket strategy The multiple purposes you can use each of your buckets for Creating another steady income for yourself using the bucket strategy And more Connect With Tom Selbo: Tomselbo@landmarkwealth.com  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

You planned, invested it and it grew. Now it’s time to use those retirement dollars, but just like the accumulation phase, the distribution phase of your assets need a plan. In this episode, Tom Selbo will give you insight on how he approaches retirement income planning and retirement distribution planning. He also explains the framework for the bucket strategy.  Tom discusses: Planning your guaranteed income for retirement Guaranteed income vs the best growth for your portfolio Using the bucket strategy as a guaranteed income source And more Connect With Tom Selbo: Tomselbo@landmarkwealth.com  www.landmarkwealth.com LinkedIn: Tom Selbo 408-984-8777 Advisory Persons of Thrivent provide advisory services under a practice name or “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Landmark Wealth Management Group and Thrivent Advisor Network, LLC are not affiliated companies. Information in this message is for the intended recipient[s] only. Please visit our website www.landmarkwealth.com for important disclosures.  

Wealth accumulation is something we all can get better at. But how do you know just how much to save each month? In this episode, Tom Selbo walks you through the fundamentals of accumulating wealth. He also explains the importance of improving your wealth accumulation.  Tom discusses: Three areas you need to get proficient in during your accumulation years Quantifying your goals Creating a strategic unemotional savings plan How closely you should be tracking your accumulation years And more Connect With Tom Selbo: Tomselbo@landmarkwealth.com Landmark Wealth LinkedIn: Tom Selbo 408-984-8777   This material is provided for informational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The views and strategies described may not be suitable for all investors. They also do not include all fees or expenses that may be incurred by investing in specific products. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. You cannot invest directly in an index. The opinions expressed are subject to change as subsequent conditions vary. Advisory services offered through Thrivent Advisor Network, LLC.  Thrivent and its financial professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. Advisory Persons of Thrivent provide advisory services under a practice name or “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Landmark Wealth Management Group and Thrivent Advisor Network, LLC are not affiliated companies. Information in this message is for the intended recipient[s] only. Please visit our website www.landmarkwealth.com for important disclosures.

Is it time to take your company public in the stock market?  With the right resources, you can make this jump and could potentially start expanding your business with the help of investors. In this episode, Tom Selbo talks about how you can take your company public and explains all the potential pros and cons of becoming a publicly traded company. It can be a big adjustment, but it could be just what you need to take your business to the next level. Tom discusses: What an initial public offering is and why it is so significant Three key things to do if your company decides to go public The potential pros and cons of taking your company public And more Connect With Tom Selbo: Tomselbo@landmarkwealth.com  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo 408-984-8777 Thrivent and its financial professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. IMPORTANT: Advisory Person(s) may use proprietary financial planning tools, calculators and third-party tools and materials (“Third-Party Materials”) to develop your financial planning recommendations. The projections or other information generated Third-Party Materials regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. Thrivent Advisor Network, LLC and its advisors do not provide legal, accounting or tax advice. Consult your attorney and or tax professional regarding these situations. This material is provided for informational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The views and strategies described may not be suitable for all investors. They also do not include all fees or expenses that may be incurred by investing in specific products. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. You cannot invest directly in an index. The opinions expressed are subject to change as subsequent conditions vary. Advisory services offered through Thrivent Advisor Network, LLC. Advisory Persons of Thrivent provide advisory services under a practice name or “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Landmark Wealth Management Group and Thrivent Advisor Network, LLC are not affiliated companies. Information in this message is for the intended recipient[s] only. Please visit our website www.landmarkwealth.com for important disclosures.

Being creatures of habit, we tend to ritualize things, allowing us to use less brain power on them which helps us to be more productive in other areas. In this episode, Tom Selbo talks about his business model and how Landmark Wealth Management helps cut through the chaos for clients so that they can better their routines to improve their financial health. Tammie discusses: The 8 areas Landmark Wealth Management helps their clients Why you need to develop a habit in your life The 4 step process when working with clients And more Resources: Wealth Unlocked: Meet Tom Selbo, Partner and Wealth Advisor (Ep.1) Connect With Tammie Mark: Tammiemark@landmarkwealth.com  Landmark Wealth LinkedIn: Tammie Mark (408)-482-4509 Connect With Tom Selbo: Tomselbo@landmarkwealth.com  https://www.landmarkwealth.com/ LinkedIn: Tom Selbo (408)-984-8777 About Our Guest: Tammie joined Thrivent in 2015 as a Financial Representative. Through her life experience of managing and being a business owner, she is able and called to serve clients by helping them be wise with money which allows them to live generously. Tammie and her husband, Rick, are members of St. Timothy’s Lutheran Church and involved with Christian ministries, as well as programs for the homeless in the San Jose area. She is licensed to do business in AZ, CA, and NC.

Has your company just gone public, giving you a sudden influx of wealth? Have you been saving for the future and want to be sure you’re managing wisely? Welcome to Wealth Unlocked with Tom Selbo, partner and wealth advisor at Landmark Wealth Management Group! In this inaugural episode, get to know host Tom Selbo, as he shares how he got into the business, what he likes to do outside of work and more. Tom explains his ideal client, the type of clients he works with, and how education is a key component of the work he does. Tom discusses: How he got into the business The two types of clients he works with How he helps to educate his clients about the situations they find themselves in His business philosophy And more Connect With Tom Selbo: Landmark Wealth Management Group LinkedIn: Tom Selbo LinkedIn: Landmark Wealth Management Group 408-984-8777