Hosted by Steve Smit, CERTIFIED FINANCIAL PLANNER® and founder of Powerhouse Financial Advisors, this podcast is designed to help employees of large publicly traded utility companies take control of their retirement planning. Steve, author of Power Up Your 401(k), shares insights on maximizing 401(k) options, navigating self-directed brokerage accounts, and creating a secure financial future. Tune in for practical advice, helpful resources, and strategies to power up your retirement! Subscri ...
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Welcome to KLE [Kingdom Leadership Equipping] where a new generation of people are equipped in Kingdom Leadership principles for living and leading. This is not your ordinary church message. This is a message about a King and His Kingdom; about kings and their authority; about you making a difference, having an impact, and being an agent of change. We are covering topics related to being the church, functioning as citizens of the Kingdom of Heaven, and living and leading the Kingdom in the m ...
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Understanding Financial Advisor Fees: What Are You Really Paying For?
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13:13Send us a text Welcome to our final installment of our 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! Let’s be real. Nobody wants to talk about fees, but everyone wants to know if they’re getting a fair deal! Today, Steve sheds light on one of the most misunderstood aspects of working with a financial advi…
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Send us a text Welcome to part 6 of our 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! Change is the name of the game! Career shifts, unexpected life twists—whatever it is, your retirement plan has to keep up. Today, we’re talking about flexibility. Why? Because your retirement should be as adaptable as yo…
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Send us a text Plenty of people have concerns about stock market volatility, a potential recession on the horizon, and fears for the economy amidst federal layoffs and tariffs. What if you’ve had 2025 marked on the calendar for a while as the year you plan to retire? Is this a bad time to do it? In this episode, Steve breaks down what retirees and …
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Cash Balance Pension vs. Traditional Pension Explained
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18:23Send us a text If you’ve been in your utility job for years and still don’t understand how your pension works, you’re not alone. In this episode, Steve takes a listener question from Lisa. She’s been working for 15 years and asked a commonly misunderstood question: What’s the difference between a cash balance pension and a traditional pension? Tune…
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Send us a text Wondering if you're actually on track for retirement? That’s the question Alex, a utility worker with 22 years of service, asked, and it sparked this helpful breakdown. Whether you’re early in your career or closing in on retirement, knowing where you stand is key to your financial future. The truth is, it’s not just about your 401k …
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Inside the Advisor’s Office: Top Concerns Among Financial Planning Clients
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17:35Send us a text Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. From retirement planning and healthcare costs to working longer than expected, we’re breaking down the key takeaways and …
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What Do Proposed Tariffs Mean For Your Portfolio?
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13:03Send us a text The day President Trump took office, he announced plans to implement a 25 percent tariff on goods from Mexico and Canada. Additional tariff conversations have exploded since that day. How might this impact your personal finances and the economy? In this episode, we’ll take a closer look at the backstory of tariffs– what they are, why…
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Understanding Managed Portfolios: Should You Consider Them?
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18:47Send us a text Welcome to part 5 of our 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! Imagine this: your retirement portfolio is growing steadily, adjusting to market shifts, all without you lifting a finger. Sound too good to be true? Welcome to the world of managed portfolios. In this episode, Steve pee…
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How Past Market Meltdowns Are Influencing You Right Now
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25:29Send us a text It’s been a volatile month. And if you’re feeling the pressure, you’re not alone. But how we respond in moments like this often has roots in the crashes we’ve lived through before. In this episode, we look at how past market meltdowns shaped investor psychology, how today’s chaos might be leaving its own mark, and what lessons we can…
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4 Questions to Ask Yourself During a Market Drop
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16:19Send us a text The headlines are loud, the markets are messy, and your gut might be telling you to do something - anything- right now. But what should you actually do when your portfolio takes a hit? Whether you’re feeling calm or full-on panicked, this conversation offers four practical questions to help you check in with your plan, reassess your …
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Key 2025 Tax Breaks & Adjustment Opportunities
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17:23Send us a text Tax season is here, but filing your 2024 return is just one piece of the puzzle. Now is also the perfect time to take advantage of new tax rules for 2025- before the year gets away from you With higher standard deductions, increased retirement contribution limits, and updated HSA rules, there are plenty of opportunities to lower your…
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Beliefs That Fool Retirement Savers The Most
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18:38Send us a text April Fool’s Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we’re uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves. We’ll cover some of the most common myths that can derail your retirement plans and explain why they…
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March Madness and Stocks: The Risky Game of Picking Winners
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19:53Send us a text March Madness is here, and just like filling out a bracket, picking individual stocks can feel like a thrilling gamble. But the odds of winning big are slim. In fact, history shows that most stock picks, like most brackets, end up busted. Many investors can’t resist chasing big wins, even though diversification is a smarter play. One…
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Choosing the Right Investments for Your Goals
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17:02Send us a text Welcome to part 4 of our 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! In today’s episode, we’re diving into what it really means to choose the right investments for your goals. We’re going beyond the basics of ‘target-date funds’ and talking about how to customize your portfolio for your u…
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The Value of Professional Financial Guidance
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16:59Send us a text Welcome to part 3 of our 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! In today’s episode, we’re talking about the value of professional guidance and how having a trusted advisor can help you see the full picture, manage emotions, and avoid costly mistakes in your financial life. Steve shar…
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Send us a text Welcome to part 2 of our 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! Today’s episode is all about the importance of balancing risk, especially as retirement approaches. Steve and Walter discuss how different risks can impact retirement savings and why a risk management strategy can make a…
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Building a Strong Foundation for Retirement
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12:08Send us a text Welcome to our new 7-part series, where we’re diving into the 7 principles of Powerhouse Financial Advisors! In this episode, Steve and Walter kick things off by breaking down what it really takes to build a rock-solid foundation for retirement. Many people approach retirement planning by simply checking the boxes on their 401K optio…
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Send us a text We’ve reached the final chapter of Power Up Your 401K! Steve wraps up the book with a powerful message about living life with an open hand- a philosophy shaped by his roots on the farm, which we’ll explore today. As we reflect on this chapter, we’ll also discuss the importance of finding purpose in retirement, as Steve has found that…
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Power Up Your 401K Chapter 7: Enjoy Every Minute With An Open Hand
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9:29Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’ll tackle Chapter 7: Enjoy Every Minute With An Open Hand. As we conclude this read-along, Steve highlights the value of living with an open hand, both in our finances and in life. He explains how a we…
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Send us a text Chapter 6 of Power Up Your 401K was all about embracing the bigger picture in financial planning. In it, Steve reflects on his financial journey, the lessons he's learned along the way, and how his beginnings have shaped his perspective on helping others achieve financial success. Join us as we dive into the chapter and discuss how g…
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Send us a text Today, we’re going to dig a little deeper into chapter 5 of Power Up Your 401K, where Steve talked about the uphill climb of saving for retirement. Life is full of the unexpected, so Steve shares his advice for those struggling to juggle financial priorities as life changes. The conversation also covers how to build financial confide…
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Power Up Your 401K Chapter 6: Embrace The Bigger Picture
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20:34Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’ll tackle Chapter 6: Embrace The Bigger Picture. Listen as Steve shares the inspiring story of John, a former lineman who, alongside his wife, built a successful financial future through steady saving,…
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Power Up Your 401K Chapter 5: Set Out On The Long Ride
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20:49Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’ll tackle Chapter 5: Set Out On The Long Ride. Join Steve as he compares retirement planning to a long bike ride, emphasizing the importance of pacing yourself for the long haul. Just like you wouldn’t…
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Send us a text Chapter 4 of Power Up Your 401K focuses on the importance of embracing change when it comes to your financial planning. Steve explains how your financial needs evolve as you get closer to retirement and why it's crucial to adjust your strategy over time. Join Steve and Walter as they reflect on these insights and talk about the benef…
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Power Up Your 401K Chapter 4: Plan For All Outcomes
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15:20Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’ll tackle Chapter 4: Plan For All Outcomes. Join Steve as he shares his approach to preparing for the unexpected in your financial journey. Planning isn’t just about picking the right investments- it's…
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Send us a text In chapter three of Power Up Your 401K, Steve talked us through the psychology of money and how risk is often misunderstood. While many people associate risk with loss, it’s really about managing your uncertainty to stay on track with your financial goals. Listen in as Steve recaps how important it is to be prepared for those unexpec…
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Power Up Your 401K Chapter 3: Manage The Psychology of Investing
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19:39Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’ll tackle Chapter 3: Manage The Psychology of Investing. Just like a sharp turn on a bike trail requires focus, balance, and measured action, managing your investments demands a steady mindset and a cl…
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Send us a text Chapter two of Power Up Your 401K was all about setting financial goals, and as Steve explains, this is where everything begins. Whether it’s planning for retirement, buying a home, or paying for your children’s education, identifying your goals is the first step in creating a roadmap for financial success. We’ll also dive into how e…
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Power Up Your 401K Chapter 2: Set Your Financial Goals
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46:14Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’ll tackle Chapter 2: Set Your Financial Goals. Join us as Steve shares how to lay the foundation for a financially secure future- both for yourself and your children. From managing the emotional aspect…
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Send us a text Today, we’re going to dig a little deeper into chapter one of Power Up Your 401K, where Steve introduced the importance of mapping out a personalized financial strategy. We’ll chat about the analogies he used throughout the chapter and how his passion for biking has shaped his financial planning approach. Steve also talks about the v…
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Power Up Your 401K Chapter 1: Map Out Your Strategy
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34:27Send us a text Over the next several weeks, we’ll be reading through Steve’s book, Power Up Your 401k, one chapter at a time. In today’s episode, we’re starting with Chapter 1: Map Out Your Strategy. Listen in as Steve talks about the importance of creating a clear financial map for your retirement. Just as you wouldn’t set out on a long journey wi…
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Retirement Income Planning- How Important Is It?
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13:02Send us a text It’s been said that if you don’t have an income plan, you really don’t have a retirement plan. You’ve probably heard the term “income plan” before, but how crucial is it to your overall retirement strategy? In today’s episode, Steve discusses the importance of income planning and why it’s such a critical part of your retirement plan.…
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Send us a text Welcome to the very first episode of Power Your Retirement! In today’s episode, we’re excited to introduce Steve Smit, CFP®, of Powerhouse Financial Advisors. Steve will share how he helps clients nationwide plan for a successful retirement journey. You’ll also get a glimpse into his life in Northern Nevada and learn about Powerhouse…
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Spiritual Keys To Build A Great Marriage Relationship - With Shaun & Steve
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57:41Thanks for listening! --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Kingdom Leadership Equipping Academy - Principles of Growth For Leaders
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58:08Kingdom Leadership Equipping Academy - Principles of Growth --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Kingdom Leadership Equipping Academy - Understanding Apostolic Leadership
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1:02:47Kingdom Leadership Equipping Academy -Kingdom Leadership I --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Kingdom Leadership Equipping Academy - What are the Kingdom foundations for leadership?
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52:07This is part 3 of the Kingdom Leadership Academy - Kingdom Leadership i I have started a leadership academy for leaders, aspiring leaders, and those who want to be discipled in the Kingdom of God way of thinking and leading. This academy is happening in the Facebook Kingdom Leadership group community. I'm making it accessible here so that you can l…
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Kingdom Leadership Equipping Academy - Why the Kingdom of God is important to leaders?
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1:07:14This is part 2 of the KLE Academy. I have started a leadership academy for leaders, aspiring leaders, and those who want to be discipled in the Kingdom's way of thinking. This academy is happening in the Facebook Kingdom Leadership group community. I'm making it accessible here so that you can listen in at your convenience and follow along. --- Sup…
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This is from my Live stream into the Facebook group King Leadership equipping today. Also part of the Kingdom Leadership Equipping Academy --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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You belong to Him! We don't belong to man, or to the systems of this world! --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Finding Your Way From Darkness to Light! Conversation With Shaun & Steve
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1:11:48Thanks for listening! --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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What Spirit Do you Operate From? with Shaun & Steve
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1:12:24Thanks for listening to our conversation. --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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The Two Critical Elements For Every Ministry Leader
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10:48Thanks for listening! --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Thanks for listening! --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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The Spirit of Religion And The Spirit of The Kingdom
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11:55Thanks for listening. --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Thank you for listening --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Thanks for listening --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Thanks for listening. --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Thanks for listening --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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Jesus said ... Pay attention to what you hear! --- Support this podcast: https://podcasters.spotify.com/pod/show/k-l-e/support
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