The Roger Gerken Personal Finance Hour
Podcast February 7, 2018
Areas Covered in this Show:
Step 1 - Living Month to Month Not Paycheck to Paycheck
Topic A - Taking Control: You Need Education / Gameplan / Coach
Step 3 - Own the Assets and List Beneficiaries
Topic A - Beneficiaries vs Survivors
Step 3 - Own the Assets and List Beneficiaries
Topic B/C - Pensions and Annuiities
Step 1 - Living Month to Month Not Paycheck to Paycheck
Topic B/C - Budgets and Paying Yourself First.
Rewarding Yourself Along the Journey to Financial Freedom



Don't' be afraid to ask question after all he is here for you and serving you is his business.

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The Roger Gerken Personal Finance Hour
Podcast January 31, 2018
Areas Covered in this Show:
Step 2 - Properly Protecting Your Income and Your Assets
Topic B - Basics of Investing: Do I Participate In Qualified Plans at Work
Topic C - Taxable vs Tax Deferred vs Tax Free: Roth IRA vs Traditional IRA
Step 4 - Proper Protecting Your Income & Your Assets
Topic A - Life Insurance : How Much is Enough
Step 1 - Living Month to Month Not Paycheck to Paycheck
Topic C - Pay Yourself First: Simple Strategies to Help You Prioritize Your Financial Future



Don't' be afraid to ask question after all he is here for you and serving you is his business.

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The Roger Gerken Personal Finance Hour
Podcast January 24, 2018
Areas Covered in this Show:
Step 2 - Accumulate Assets To Replace Your Income 100%
Topic B - Basics of Investing
Buy Low - Sell High
Risk Profiles for the Three Buckets
Step 1 - Living Month to Month Not Paycheck to Paycheck
Topic A - Taking Control
Knowledge is Everything
Earn While You Learn

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I thought i would post some of the info i received today in my own words from the investment conference I attended yesterday. The information is from 6 portfolio managers i spoke to or listened to today and is my interpretation of what was conveyed to me by them. Again i am giving this information as i see it and in answer to some specific question i and others asked the managers.
1) The market should continue to grow and increase over the short term with no major corrections unless some major outside influence attacks it. The market is continuing its aggressive speculation based on the increased profits expected from the deregulation and tax reform that has come into place. As i have stated and reaffirmed the tax reform and bringing the tax rate down from 35% to 21% will be a major boost in the short term.
2) GDP growth to continue at the 3% range. Some concern over long term growth 4% or higher from inflation and overproducing.
3) Inflation and interest rates to continue to rise and at a quickening pace but not immediately. probably 12 months or more down the road.
4) Mixed feeling about repatriation of profits into the us. we are now a territorial tax system instead of world wide and while some companies will take advantage of the 15% one time bringing back of money others might see a benefit in reinvesting it into the company or expanding operations depending on the tax rate of where they are since from january 1 2018 under certain situations the income will now be US tax free. Also dont know how the other countries will react to keep the businesses in their country and what the will offer for them to stay or expand. but it might lead to some cut throat competition for our dollars.
5) Trump is going for a weak dollar instead of a strong dollar to get mfg companies to export more product and thereby increase production and profits.
6) Closing borders and restricting immigration could lead to more business imports or businesses moving overseas since we will lose a majority of the cheaper labor influx. wages will increase as unemployment decreases and workers become scarcer to find. companies may find it more economical to have production done by countries with cheap labor.
7) Deregulation in the short term will increase profits but too much deregulation can be like letting a spoiled child with a temper tantrum loose in a candy store and telling him he can eat as much as he wants. Lots of fun in the beginning but when doesnt get his way starts knocking the candy containers around and eventually gets sick from overeating and barfs all he ate over the counter. the regulations that were in place were to keep the child from injuring himself, the people around him and the store.
8) the deficit is projected to grow by 150 billion per year and if nothing goes wrong the growth of the economy should cover a good percentage of the deficit.
9) unemployment has been historically low for the last few years and is close to or at the bottom of the spectrum. to expect an increase in the workforce to help stimulate the economy will be tough since there are not a large number looking for work like it was in 2009 / 2010. can mainly only count on the trickle down in increased wages and salaries. which may not be enough to make a real impact.

Hope this helped - economy looks good for and market should continue growing (my prediction is 30,000 by end of year) and interest rates to slowly increase by 50 to 75 basis points by year end.

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The Roger Gerken Personal Finance Hour
Podcast January 17, 2018
Areas Covered in this Show:
***Question Asked: Why is 30yr better than 15 and what is a dead asset****
Step 4 - Properly Protecting Your Income and Your Assets
Topic D - Other Insurance
Topic B - Health Insurance
Step 1 - Living Month to Month Not Paycheck to Paycheck
What is easier: Raise Income or Lower Expenses


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  • About
  • GENERATION TO GENERATION WEALTH ACCUMULATION STRATEGY
    Come join us every Wednesday from 4pm to 5pm for a hour packed with great information on taking control of your money and your future for generations to come. Learn the simple concepts and strategies that have made people wealthy and keep them wealthy. Each week we will cover a different area of my system.
    Tune in every Wednesday from 4pm to 5pm and see how simple and fun learning about money and finances can be.
    For more information you can contact me directily at:
    Roger Gerken RVP
    Investment Adviser Representative
    954.214.4560
    3349 North University Drive
    Davie, Florida 33024
    rgerken@primerica,com