Tag Archives: Interest Rates

When Is the Right Time to Buy a House?

May 19, 2023Finance, Finance, Financial Planning, Investing, RetirementBuying, Evan Wohl, Financial Goals, Financial Planning, First Time Home Buyer, Interest Rates, Investment Planning, Ivan Watanabe, Life Style, Mortgage, Opus Private Client, Podcast, Property Taxes, Real Estate, Renting, Retirement Planning, Selling, WealthStylewealthstylepodcast

Buying a home may seem like the right thing to do, but is it?

There are many factors to consider before you purchase a home, and the most obvious is, can you afford the mortgage payments? Then on top of that, there are annual property taxes and monthly utilities like gas and electricity. And don’t forget about the less obvious expenses like furniture and decor, and unexpected repairs or upgrades.

The reality is, it requires a lot of financial planning before you put an offer on a house.

In this episode of WealthStyle, Iván Watanabe and Evan Wohl explore the different reasons why their clients want to buy houses, how the costs associated with owning a home factor into financial and retirement planning, and how much the housing market has changed post-pandemic.

Iván and Evan discuss:

The financial costs of owning a house after the initial purchase
How your financial plans will shift when planning to buy a house
The role of mortgage and interest rates and how they are constantly changing
The emotional effects of buying a home
And more

Connect with Iván Watanabe:

Connect with Evan Wohl:

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The New 1980s Inflation with Rob Pruett

April 11, 2022Finance, Finance, Financial Planning, Investing, RetirementBusiness Structure, Inflation, Interest Rates, Investment Planning, Ivan Watanabe, Opus Private Client, Portfolio, Retirement Planningwealthstylepodcast

After maintaining steady inflation of just under 2% for over a decade, America is now seeing the highest inflation rates since the late 1980s.

In this episode, Iván Watanabe and Rob Pruett explore the rising interest rates and inflation faced by consumers and businesses. They dive into the state of the economy while revealing ways clients can make the most out of the market volatility.

Iván and Rob discuss:

The role inflation plays with consumers and businesses
What the future looks like in terms of inflation and interest rates
Reasons pre-retirees and retirees should invest in their 401(k) plans
How interest rates impact client debt
And more!

Connect with Rob Pruett:

LinkedIn: Rob Pruett

Connect with Iván Watanabe:

About Our Guest:

Robert P. Pruett has been a wealth advisor with Opus Private Client, LLC for 14 years performing planning for high-net-worth individuals, families, and business owners. Rob uses leading-edge advanced personal planning techniques to protect and maximize each client’s wealth, retirement, and estate plans. Rob also consults with 50-to-800-person firms to deliver high-value corporate benefit programs, with a special focus on delivering healthcare savings of 10-15% or more through Opus’ proprietary reimbursement program offering.

His specialties include asset management, institutional investing, tax planning, life insurance, disability, annuities, and long-term care insurance, corporate benefits programs, executive benefit programs, retirement, and estate planning, and legacy and charitable planning.

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Navigating the World of Mortgages — With Pat Tobin

April 26, 2021Finance, Financial Planning, Investing, RetirementAdvice, Cash-Out, Credit, Employment, Interest Rates, Ivan Watanabe, Loan Approval, Marketplace, Mortgage, Opus Private Client, WealthStyle Podcastwealthstylepodcast

Getting a mortgage for your new home shouldn’t drain the joy out of accomplishing a lifelong goal. That’s why Cardinal Financial Company works to create a better mortgage experience so that your home buying process is simple and easy to navigate.

Today, Iván Watanabe sits down with the firm’s loan originator, Pat Tobin. Pat breaks down Cardinal Financial’s transparent and simple approach when providing clients with the home loans they need and provides tips for securing your next mortgage.

In this episode, you will learn:

What you need to know about the current mortgage marketplace
Pat’s advice for those who want to reassess their mortgage situation
The truth about cash out refinancing
Best practices to achieve a quick and seamless loan approval process
And more!

Whether you’re considering a new loan or refinancing, tune in today and discover everything you need to know about today’s mortgage landscape!

Resources: Opus Private Client, LLC | Iván Watanabe | Patrick Tobin: (508) 274-8645 | LinkedIn | Cardinal Financial Company on LinkedIn

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Retirement Threats — Part 5 — With Rob Pruett

February 22, 2021Finance, Financial Planning, Investing, RetirementAsset Diversification, Economic Change, Interest Rates, Ivan Watanabe, Miniseries, Opus Private Client, Retirement, Tax Legislation, WealthStyle Podcastwealthstylepodcast

How can you plan for the retirement you desire when there are many uncertainties that could impact it, like new economic and legislative changes?

Find out in this episode, as Iván Watanabe joins Rob Pruett to explore a fifth and final retirement threat, legislative and economic changes.

Rob discusses how proactive planning can help address the risk economic and legislative changes can bring to your retirement so that you can enjoy this life phase regardless of where the market, taxes, interest rates stand.

In this episode, you will learn:

The importance of understanding past and current interest rates
How different tax laws relate to retirement planning
Ways annuities can benefit retirees and pre-retirees
The importance of asset diversification
And more!

Listen today for tips and tricks that can help you secure your retirement despite ever-changing economic rules and regulations!

Retirement Threats Mini-Series:

Resources:

Historical podcasts are for informational purposes only and may not be the current opinions of the speakers. Although the information was accurate at the time it may no longer be applicable. These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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