The Vault with The Wealth Guardians
The Vault with the Wealth Guardians is a video series that takes a deep dive into all things retirement planning. Videos from the series can be played below.
Does your business have a succession plan? On this episode of The Vault with The Wealth Guardians, Doug Ray and Garrett Ray discuss whether you should involve your children, considerations and challenges, preparing for a smooth transition, and other options if succession planning in your own family isn't going to work. #retirement #successionpl read more
What is the Sharpe Ratio and how do you calculate it for your portfolio? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray discuss what the Sharpe Ratio is, its importance, and how it's calculated. #retirement #portfolio #clemmonsnc #greensboronc #winstonsalemnc #triadnc _____________________Investment Advisor read more
Does your company offer an Employee Stock Ownership Plan (ESOP) and if so, what should you know about it? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne talk about what an ESOP is, how they work, how to cash out of one, and the types of rewards that are associated with them._____________________Investment Adviso read more
Do you need a trust or a will? Or do you need both? On this episode of The Vault with The Wealth Guardians, Doug is joined by Dennis Toman, Certified Elder Law Attorney. They discuss this issue as well as how you can be better prepared for elder care and other legal issues for the second half of life._____________________Investment Advisory Service read more
Are you planning to save money for college for your children or grandchildren? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne talk about what 529 Plans; what they are, the different types of plans available, contribution limits, key features, and what they can be used to pay for. #529Plan #Retirement #CollegeSav read more
What are stock splits and should you be looking for one? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne define what stock splits are, their history, why they went out of favor years ago and why they may be making a comeback. #Stocks #StockMarket #Retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc _______ read more
What are Master Limited Partnerships (MLP) and is an MLP right inside your investment portfolio? On this episode of The Vault with The Wealth Guardians, Garrett Ray discusses what MLP's are, how they make money, how they're taxed, what Schedule K1 forms are, and how you're taxed on dividends when you receive them._____________________In read more
What is the Alpha metric and how should you consider it when investing? on this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne define the Alpha metric and how it's calculated so that you may be able to use that knowledge when you're investing down the road. #clemmonsnc #greensboronc #winstonsalemnc #triadnc #ret read more
What is the Beta metric and should it even matter to you and your retirement goals? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne define what the Beta metric is, discuss when a high or low Beta might be good for you and how you can lower your portfolio’s Beta. #retirement #clemmonsnc #greensboronc #winstonsal read more
You can't take it with you... can you? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne take a deep dive into estate and legacy planning. #EstatePlanning #LegacyPlanning #Retirement #RetirementPlanning #clemmonsnc #greensboronc #winstonsalemnc #triadnc _____________________Investment Advisory Services offered thr read more
What is a fiduciary and why should you care? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne define what a fiduciary is, what makes someone a fiduciary, who isn't a fiduciary, and why all of this is important to you. #Retirement #RetirementPlanning #clemmonsnc #greensboronc #winstonsalemnc #triadnc___________ read more
What is a 1035 Exchange and should you use one? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne take a deep dive into 1035 Exchanges and whether you should use one. #Retirement #RetirementPlanning #clemmonsnc #greensboronc #winstonsalemnc #triadnc _____________________Investment Advisory Services offered through Alp read more
What are the first three steps you need to take in order to get successful financial planning started? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray talk about those first three steps in detail. #Retirement #RetirementPlanning #clemmonsnc #greensboronc #winstonsalemnc #triadnc_____________________Investment Adv read more
So what is HR4583 and should you be concerned or worried? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss what the seven proposed changes to Social Security might include and how they would impact you. #socialsecurity #retirement #clemmonsnc #greensboronc #winstonsalemnc _____________________Investment Advis read more
Do you think you qualify for a special Social Security situation? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne discuss two client case studies and whether the lessons learned in both success and failure can assist you as you begin or continue your planning. #socialsecurity #clemmonsnc #greensboronc #winstonsal read more
Can a life insurance policy help you accomplish your legacy goals? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne discuss what a legacy goal is, how universal life insurance works, trade offs to having a life insurance policy, and review a real case scenario. #clemmonsnc #greensboronc #winstonsalemnc #retirement read more
Are you considering precious metals as part of your portfolio? On this episode of The Vault with The Wealth Guardians, Doug Ray and Garrett Ray provide their thoughts. #clemmonsnc #greensboronc #winstonsalemnc #retirement #preciousmetals _____________________Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC regist read more
What is an RICP and should you get one? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss what the designation stands for, what the educational requirements are, where the course can be found, whether all financial advisors should get one, and whether you get a good education out of the course. #retirement #cl read more
Have you ever wondered what data is used by investors and economists to predict and understand how our economy is doing? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne leading and lagging economic indicators. #retirement #clemmonsnc #greensboronc #winstonsalemnc _____________________Investment Advisory Services read more
So what is a special $53K split-interest gift annuity and should you have one? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss how you can benefit from split-interest gifts and how they differ from qualified charitable distributions (QCDs). #retirement #clemmonsnc #greensboronc #winstonsalemnc ______________ read more
Do you want to do a rollover of your current employer plan but you have no idea where to start? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne talk about what a rollover is and how to initiate one. #retirement #clemmonsnc #greensboronc #winstonsalemnc _____________________Investment Advisory Services offered thr read more
Why would you consider filing for your Social Security benefits at age 62, the earliest possible time? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss Social Security filing options and why age 62, in some cases, might make more sense instead of filing later on. #SocialSecurity #Retirement #clemmonsnc #green read more
Do you know the different ways you can roll over money from an old employer plan to a 401(k) or IRA of your choosing? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray talk about different types of rollover options you might have. #clemmonsnc #greensboronc #retirement #winstonsalemnc _____________________Investment read more
What is a parabolic move in asset prices and should you be concerned if you see one? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss what parabolic moves are and how they impact your portfolio.Sources:StockCharts.com: https://stockcharts.com/ https://genuineimpact.substack.com/p/from-tulip-mania-to-meme-sto read more
Did you know there's a way to take distributions from your retirement savings before age 59 1/2 and without a 10 percent penalty? It's called the SoSEPP Rule. On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray discuss what the SoSEPP Rule stands for, who qualifies, what the complex rules are around it, and w read more
The Wealth Guardians Radio Show
Tune in as Doug, Brice, and Garrett share their thoughts on the economy and overall financial landscape and how it relates to planning for your secure and enjoyable life in retirement. Catch our latest show below or listen live on Saturday at 9:30AM on WPTI 94.5FM or on Sunday at 8:30AM on WTOB 96.7FM in the Triad.
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss the top 401k frequently asked questions of 2024.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Sa read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Certified Elder Law Attorney Dennis Toman talk about elder law and how you can be better prepared for legal issues in the second half of your life. The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag to answer listener submitted questions.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne talk about being wary of retirement half truths and why they might need a bit more context.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each S read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne talk about why a good retirement plan doesn't have to be a complicated one. The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morni read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag to answer listener submitted questions.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss common mistakes people make when choosing a financial advisor.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss common misconceptions about money/investing that many people hear from friends of even family that can push them in the wrong direction.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions. The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Sal read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss how your relationship with your doctor is much like your relationship with your financial planner.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPT read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss how to avoid stress when planning for retirement.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Sale read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss what expectations people have about their retirement and what is realistically possible.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and e read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss the investing and retirement questions each generation has.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss common retirement planning income mistakes.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem' read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag and answer listener submitted questions.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-S read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss four client financial planning success stories, which you may be able to use in your planning.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM an read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss common topics all retirees have in the back of their minds. No, you're not the only one thinking about these...The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, N read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne review their retirement planning quiz. Can you score an A+? The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winsto read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Garrett Ray discuss the many components of wholistic financial planning and why this planning is much more than just how your portfolio is allocated.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag and answer listener submitted questions. The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston- read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss why financial planning is harder than it used to be and how you can make necessary adjustments.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 read more
On this edition of the Wealth Guardians Radio Show, Brice Payne and Garrett Ray discuss why financial planning is and should be different for women in addition to talking about how one overlooked issue can sink your retirement plan.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne discuss how good money habits might be holding you back, contrary to how it sounds.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions. The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retire read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne talk about questions you should be asking your financial advisor, including: how advisors get paid, how they would describe their typical client (age, net worth, etc.), how much contact they have with clients, and more.The Wealth Guardians Radio show is hosted by Doug R read more
