Strategies for your financial future. Complex topics made simple and actionable, so when it comes to your money, you're making smart decisions. The following program is sponsored by JT Financial Group which is solely responsible for its content. Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA/SIPC. Advisory Services offered through J.W. Cole Advisors, Inc. (JWCA)JT Financial Group and JWC/ JWCA are unaffiliated entities.
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If you are looking to buy or sell a home, get all the information and the latest updates, tips, and tricks from The DiBello Real Estate Team- your professional Seattle Real Estate Agents.
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I already have an advisor, I'm all set. Right?
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Josh Tirado: [00:00:00] welcome to the making smart decisions podcast. I am your host, Josh Tirado. And for today, we're going to be discussing the concept of: I already have a broker. I already have an advisor. I already have a financial coach. I'm all set. Congratulations. Truth be told [00:01:00] more than half of my current clients said to me, …
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Josh Tirado: [00:00:00] Welcome to the making smart decisions podcast. I'm your host, Josh Toronto, and today's title. I'm going to affectionately call when life smacks you in the face. I did a podcast a long time ago, where I referenced a quote from Mike Tyson about being punched in the [00:01:00] face. But this is a little different. This is more…
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Josh Tirado: [00:00:00] Welcome to the making smart decisions podcast. I'm your host, Josh Tirado. And for this episode, we are going to launch into some myth-busting. In media currently, it seems as though there is a plethora of misinformation, and it seems that being [00:01:00] first or having your topic be popular is more important than being co…
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Josh: This is Josh Tirado. And thank you for joining the Making Smart Decisions podcast. What is the true cost of pet ownership in 2021? let's dive into the dog dilemma. In some reasons studies, some data showed that the initial purchase of a dog in the United States is ranging anywhere from roughly $600 to $2,300. [00:01:58] It's also showing that…
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Josh: This is Josh Tirado, welcome to the Making Smart Decisions Podcast. Today's title is going to be Buyer Beware and is going to be a Storytime. When you picture this, we have changed the names, of the hypothetical clients to the Smiths and the other advisor. We'll call him John. Just imagine that we can peer in and see everything that is going …
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The four types of traditional investments
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Josh: This is Josh Tirado, and welcome to the Making Smart Decisions podcast. Today, we are going to touch on the most common traditional types of investments. That may sound very boring, but it is not. We will cover it quickly and you will be very well informed moving forward. [00:01:55] So when I say the four types of traditional investments, one…
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ESG Investing - (Environmental, Social, and Governance)
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Josh: This is Josh Tirado, and this is the making smart decisions podcast. Today, we are going to dive into ESG investing. So ESG investing stands for environmental, social, and governance investing. It refers to a class investing that is also often called sustainable investing. This is more of an umbrella term for investments to seek positive retu…
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Fee-based versus Fee-only versus Commission
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Josh Tirado: I'm Josh Tirado. And you're listening to making smart decisions. [00:01:47]When choosing a financial advisor, there are many different ways that they can charge you today. We are going to go more in-depth and unpack the different options that are available out there, and which option is best for you. [00:01:58]I'm going to do three bro…
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Josh: This is Josh Tirado. And on this episode of making smart decisions, we are going to touch on umbrella insurance. So let me dive into the ever-exciting fun world of property and casualty insurance said no one ever. Auto insurance, homeowners, insurance, renter's insurance. These are things that are necessities. [00:01:54]And oftentimes people …
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Why you need a financial advisor for your divorce
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Josh Tirado: [00:00:20] Welcome to the making smart decisions podcast. I'm your host, Josh Toronto. And today, we're gonna touch on the importance of a financial advisor. If you're getting divorced now, this advice applies equally to both men and women, but in my 22 years of experience, I believe that men need to heed this advice even more. [00:01:…
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What do clients like the most about working with financial advisors?
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Josh Tirado: [00:00:20] Welcome to making smart decisions podcast. I'm your host, Josh Tirado, and today we are discussing a very fun topic. The topic of what do clients like the most? In a recent survey of my clients, the number one and number two items they liked the most and why one was the educational aspect. Where we take complex things, make …
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The State of Pension Plans in the United States
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Josh Tirado: [00:00:20] Welcome to the making smart decisions podcast. I'm your host, Josh Toronto. And today, we are discussing pensions. Is it a sheep, or is it the Wolf? Or is it just a Wolf in sheep's clothing? Let me jump into the pension thing here and try to delineate a little bit. [00:01:19] When I am talking about pensions. I am talking ab…
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Josh Tirado: [00:00:20] Welcome to the making smart decisions podcast. I'm your host, Josh Tirado, and today we're going to discuss sequence risk or sequence of return risk or something that sounds really boring and dumb and not useful to you. But in reality, it is actually a major major risk to your retirement and your investments. [00:01:26]That'…
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Joe: Hello, and welcome to the show. My name is Joe Woolworth. I produce the making smart decisions podcast with Josh Tirado. I'm here today with Josh Tirado and David Morgan. The founders of the Amplify program that we are going to learn about today. [00:00:31] So let's get started, guys. Josh, tell me a little bit about Amplify. [00:00:35]Josh: S…
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Josh: Hi, I'm Josh Tirado. And on this episode of Making Smart Decisions Podcast, we are going to touch on the emergency fund. What is it in? Do you need one? Most financial advice starts with the basis of you should have an emergency fund. And a lot of people just view that as a savings type account and yes, you should absolutely have that it migh…
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What questions to ask when interviewing a financial advisor
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You're listening to making smart decisions with Josh Tirado. Today's topic is what questions to ask when you're interviewing a financial advisor. So essentially, I'm giving you the questions to ask when you're interviewing me. Here's what to ask me when I'm trying out for the job of being your advisor; I started this off because this is a very, ver…
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You're listening to making smart decisions with Josh Tirado. Today's topic is the backdoor Roth IRA. In the last year to the backdoor Roth IRA, concept has gained popularity. If you Google it, you will find a number of articles online, explaining and detailing the backdoor Roth IRA. And also a lot of times it's. [00:02:04] Heavily sprinkled with th…
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You're listening to making smart decisions with Josh Tirado, and today's topic is life insurance and marijuana. before you start going into your preconceived notions of this topic of life insurance and marijuana, let me start with a quote from a very old hall of fame baseball player, Yogi bear. He was asked once, what is the best type of life insur…
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Fiduciary Responsibility and working with a financial advisor
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Josh Tirado: I'm Josh Tirado. And you're listening to making smart decisions. Today's topic. I want to discuss the fiduciary standard and how that applies to financial advisors in this segment. I'm also going to discuss my personal experience and how this plays into my practice, but please know that this is a very touchy subject. [00:02:02] The sta…
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Investing in 2020 & beyond - Survival of the Fittest
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Welcome to making smart decisions with Josh Tirado. Today's topic is investing in 2020 and beyond the survival of the fittest. Now, if you think back to school and learning about the survival of the fittest, but I imagine it is a lion running across a Prairie, tackling another weak animal, and having lunch. And if that's not what you imagine it is …
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This is Josh Tirado. You're listening to Making Smart Decisions. And this episode, we're going to touch on longterm care insurance. So when it comes to the topic of longterm care insurance, there has become more public acceptance recently, but for a very long time, People did not want to discuss longterm care insurance. [00:02:00] They would actual…
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Making Smart Decisions with Josh Tirado Trailer
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Welcome to the Making Smart Decisions Podcast with Josh Tirado.Por JT Financial Group
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If you own a pet or two, there are a few things you need to do to sell your home. Today, I’ll go over six essential tips for selling a home with pets. Buying a Seattle Home? Search ALL Homes For Sale Selling Your Seattle Home? Get a FREE Home Value Report Renee and I have been pet lovers for a long time. We’ve had many dogs, cats, and birds over th…
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When you buy a home, don’t work with the real estate agent selling the house. You need to work with a buyer’s agent for a successful transaction. If you were getting a divorce, would you go to your spouse’s attorney for advice and counsel? Of course not, that would be ridiculous! The same principle applies if you’re a buyer looking for a home. You …
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Two decades ago, I left a six-figure, Fortune 500 company position and started a career in real estate. I needed a change because I was heading in a direction I didn’t really want to go down. I wasn’t happy, but I was afraid to make the change because of certain things I would be losing—benefits, paid vacation, tenure, etc. As I looked back at the …
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report Today we’re proud to introduce the newest member of the DiBello Real Estate Group, Aaron Wilder. Before coming on board with us, Aaron had been looking to make a change for quite some time because he wanted to get out from behind the desk…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report Many real estate conversations these days center on housing prices and where they might be headed. That is why we like the home price expectations survey. Every quarter, Pulsenomics surveys a nationwide panel of more than 100 economists, …
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report Here in the greater Seattle area, we are seeing a lot of first-time home buyers spending $500,000 to $2 million on their very first home. Most of these buyers are millennials. What is the smart way to attract millennial home buyers to you…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report What methods will help you discover the value of your Seattle home? Ranked from easiest to most difficult, there are four ways to do this. 1. AVM estimates: These are algorithms to estimate a home’s value based on a wide range of data. Ho…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report If you’re stuck in a dead-end job or you’ve been looking for a career change, I want to meet with you. You can make an exceptional living as a real estate professional, especially if you’re looking to start now. I quit my job as an execut…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report Today we are answering a question we often get, “Can I sell my current home and buy my new home at the same time?” The short answer is yes. Of course you can! However, it’s complicated because it depends on what the market will bear. Here…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report What are we seeing in the Seattle real estate market? We're seeing a lot of low inventory and pending sales are dropping. There simply isn't enough out there for people to buy, so if you have been thinking about listing your home for sale…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report Let's discuss multiple offers. If you're a seller with multiple offers on your home, you're in a great place. However, buyers should expect to compete with ten other people for a home. Multiple offers have slowed down substantially in the…
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Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Value Report Hi, everyone! Today, we’ll discuss market conditions in the Seattle area. In September, the average asking price was $633,000 in Seattle; $230,000 in Tacoma; $342,000 in Everett; and $953,000 in Bellevue. Likewise, the average sold price …
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.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home search Selling a home? Click here f…
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.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home search Selling a home? Click here f…
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.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home search Selling a home? Click here f…
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