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.
So you want to create a lasting legacy? Let's talk about some strategies to create generational wealth. On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss life insurance, good debt versus bad debt, how to make your work pay off, how to pass it along, and what is dollar cost averaging. #retirement #estatepla read more
How does a financial plan get created? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne walk you through a fictitious couple's simulated case study and show you how a financial forecast is created._____________________Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC register read more
Can a one percent in income or expenses really make a difference in how your retirement finances play out? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne revisit the fictitious couple, Joe and Sally Client perform in their planning software when small one percent changes are made to Social Security, expenses, in read more
Do you ever wonder how a private company goes public and trades on the stock market for the first time? What is an IPO or initial public offering? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne discuss what IPOs are, whether you can invest in an IPO, and the risks involved. #retirement #stockmarket #ipo #clemmon read more
What are estate taxes and can you avoid them? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss estate taxes (aka the death tax), and what other legal options exist to avoid paying them. #estateplanning #estatetaxes #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc _____________________Investment read more
Do you have questions about the benefits of a long-term care (LTC) policy? On this episode of The Vault with The Wealth Guardians, Garrett Ray is joined by Alecia Barnette, Senior Vice President of Long Term Care Planning for Financial Independence Group as they discuss._____________________Investment Advisory Services offered through Alphastar Cap read more
What is the market-linked CD we've been hearing about? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne talk about the characteristics of a regular CD, the similarity and differences of a market-linked CD (also known as an equity-linked CD or indexed CD), and who they may or may not be appropriate for. #retire read more
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
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 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
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
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 issues financial advisors wish others knew.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, Doug Ray and Garrett Ray discuss a report by Congressman Brendan Boyle and the Congressional Budget Office that explores the idea of raising the full retirement age of Social Security from 67 to 69 for those born in 1972 or later.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag to answer listener submitted questions. In particular, they tackle multiple questions about finances during an estate transfer or a divorce.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturda read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne lead a discussion with listeners through what sets our financial planning process apart from others. Garrett and Brice cover our company’s mission statement, core values, and general approach to financial planning when we meet new people who are interested in speaking read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss why planning for retirement should be a team effort for couples. In addition, they explore common areas of disagreement and agreement and how to handle them successfully. The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and bro read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag to answer listener submitted questions. In particular, they tackle multiple questions about finances during an estate transfer or a divorce.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Satu read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne talk about why they got into the retirement planning field and discuss the planning process that gets our clients best prepared 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 read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne review some of the most important regrets retirees make and how to avoid joining them.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 read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne ask the Magic 8 Ball different rules of thumb, consider its response, and then put their own take on general retirement rules of thumb to help provide listeners a more complete answer.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne an read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne talk about how some of the most common fears and phobias have more to do with your financial plan than you may think. 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 read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag to answer listener submitted questions. In particular, they tackle multiple questions about finances during an estate transfer or a divorce.The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Satu read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discussed similarities between a retirement plan and a professional sports team’s jersey. Their thoughts may surprise you! 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 Greensbo read more
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne continue last week's discussion about common topics retirees ask about.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: read more
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss common topics retirees ask about, including: how much money should you have in your savings account, when should you file for Social Security, how much risk should you be taking on your investments, and how do you know if your advisor is a good fit or not? The W read more
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 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 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, 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
