Smart Strategies for Retirement and Market Volatility

Looking Forward Our Way

The Importance of Values Over Goals: "That goal might shift or change a little bit as life circumstances change, but usually your values as a person are not changing. What is most important to you, your why isn't changing." Ben Hoeger

We sit down with returning guest Ben Hoeger, Director at the Hedley Hoeger Group at Baird Private Wealth Management, to help us navigate the unpredictable world of personal finance. With the stock market experiencing constant ups and downs, rising interest rates, and ongoing uncertainty about retirement savings, it’s easy to feel overwhelmed about securing your financial future.

Ben brings his decades of experience and a passion for guiding clients through both the good times and the bad, sharing practical tips on building—and, more importantly, maintaining—a financial plan that works for your unique situation. From the importance of having a solid, adaptable plan to understanding how your values and “why” shape your financial decisions, Ben helps break down complex topics like tax strategies, saving vs. spending, and the emotional side of money.

Whether you’re just starting your career, eyeing retirement, or somewhere in between, this episode is packed with actionable advice and a reassuring reminder: information, planning, and the right guidance can help you weather any financial storm. So grab a notebook and get ready to learn how to cushion the blows, protect your future, and feel more confident about your money, no matter what the headlines say.

Here are 3 key takeaways for anyone keen on building financial stability:

• Personalization is Everything: There’s no one-size-fits-all plan. Financial strategies must be anchored in your unique values, history, and life goals. Understanding your “why” helps you stay the course—no matter what the markets do.
• Planning Is a Verb, Not a Noun: A financial plan isn’t a one-and-done document. Life changes—so should your plan. Treat it as a living guide and make ongoing adjustments to reflect both your current reality and future vision.
• Build Strong Moats Around Your Castle: Protect yourself from volatility by diversifying not only your investments, but your tax buckets and income sources. Secure “moats” like sufficient cash reserves and flexible insurance solutions are crucial, especially as you approach retirement.

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Key Moments

06:23 Tailored Financial Strategies Vary

07:56 "Root Goals in Personal Values"

11:46 Balancing Financial Planning and Life

17:24 "Evolving Plans: Resumes & Finances"

21:25 "Crisis as Opportunity"

22:31 Career Crisis Perspective and Adaptation

27:21 Retirement Expenses and Tax Planning

31:07 Values-Based Financial Planning

32:41 Dynamic Financial Planning Essentials

35:58 Retirement Readiness Essentials

40:46 Generational Team Commitment Benefits

44:10 Establishing Trust: Addressing Conflicts

48:10 Financial Advisors' Due Diligence Explained

48:55 Building a Comprehensive Professional Network

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Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

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Copyright 2025 Carol Ventresca and Brett Johnson

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Listener Disclaimer

The views and opinions expressed by the experts interviewed on this podcast are their own and do not necessarily reflect the views of the podcast hosts or any affiliated organizations. The information provided in these interviews is for general informational purposes only and should not be considered as professional advice. Listeners are encouraged to consult with qualified professionals for specific advice or information related to their individual circumstances. The podcast host and producers do not endorse or guarantee the accuracy, completeness, or reliability of any information provided by the experts interviewed. Listener discretion is advised.