Re-Engineering Your Finances Podcast
Business & Finance
About
Financial and retirement planning guidance from Charles Welde of CP Welde Group in Chadds Ford, PA.
Episodes
- The Surprisingly Hard Part of Retirement Nobody Warns You About
Most retirement conversations are about saving enough. Today we're talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And…
- Answering Your Specific Questions About Retirement
Got money questions? We’ve got answers. In this episode, we're tackling some of the most common (and often misunderstood) financial decisions: - What to do if you’ve got too much company stock in your 401(k) - Smart ways to put extra cash…
- Inside Your Financial Easter Basket
Quick question before we get started... which Easter candy are you most looking forward to this year? Whatever your answer is, we're going to use it. Because today we're building a financial Easter basket and matching some of your favorite…
- Term, Whole, or Universal Life?
We got a great question from a listener. They wrote in: "What's better- term life insurance, universal life, or whole life?" Straightforward question. Not a straightforward answer, especially if you're in your 50s. Today we're going to wal…
- Tax Mistakes New Retirees Make
Nobody likes tax season. But for new retirees, it can come with a few unwelcome surprises. The rules have changed, the income sources have shifted, and strategies that made sense during your working years may no longer apply. Today we're l…
- Suitcase of Misconceptions: 10 Retirement Myths Too Many People Still Believe
There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound reasonable and get repeated often enoug…
- The Pros & Cons of the New Trump Accounts
A new government-backed savings account for kids is coming. On the surface, it sounds like a win. Free money for newborns, long-term investing, and a head start on adulthood. But once you look under the hood, Trump Accounts raise some real…
- What Should I Be Doing Differently in 2026? Listener Questions Answered
It’s mailbag time! Today, Charles answers recent listener questions sent into the show. From worrying about inflation and holding too much cash, to downsizing- or upsizing- into retirement, this episode tackles the financial dilemmas liste…
- Am I Behind In My Retirement Savings? What To Do If You Are
Nothing will mess with your financial confidence faster than comparing your savings to your brother, your coworkers, or that guy on YouTube who claims he retired at 35. Your retirement number isn’t a competition. Let’s talk about what real…
- Retirement Realities: Divorce, Inheritance, Advisors, and Everything In Between
In this episode, we tackle a wide spectrum of listener questions about retirement, divorce, inheritance, taxes, investing, and paying for big life events. If you’ve ever wondered how to navigate financial decisions when everything happens…
- The 5 Retirement Questions Smart People Ask
You’ve heard the saying, “There’s no such thing as a bad question.” But in retirement planning… some questions are definitely better than others. The way you frame your question often determines the quality of your answer and, in some case…
- Two Advisors, Twice the Confusion?
Most people think financial planning is about calculators, spreadsheets, and strategies. But that’s only half the story. The truth is, your feelings about money can have just as much impact on your retirement as the numbers do. Today, we’r…
- Where Should Someone Invest $1 Million?
What would you do if a client came in with $1 million in cash to invest? That was the question put to three financial advisors in a recent article. Today, we’re going to react to their takes, but also add an important layer: how the answer…
- You’re Not Ready to Retire If This Is All You’ve Done
You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done. Retirement planning isn’t just about…
- If I Won’t Live to 90, Should I Claim Social Security Early?
If your parents passed away relatively young, it’s only natural to wonder whether you’ll follow the same path. And from a financial standpoint, does that change how you should approach things like retirement planning and when to draw Socia…
- Are You A Winner Or A “Loser” In The Big Beautiful Bill
The new tax bill just passed, but will it actually help you? Let’s look at who stands to benefit, who might lose out, and the strategic moves to consider now while the rules are fresh. Important Links: Website: https://www.cpweldegroup.com…
- What The “Big Beautiful Bill” Means For Your Retirement Plan
A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we’re focused on what it means for your retirement. The choices you make in the next y…
- Should You Gift Money While You’re Alive or Leave A Legacy?
You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impa…
- Retirement Breaking News: The 4% Rule Gets a Makeover
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck…
- Is It Bad to Leave My 401(k) Where It Is?
If you’ve switched jobs in the past few years, chances are you’ve got an old 401(k) sitting somewhere, collecting dust and possibly fees. Today, we’re answering a listener’s question about what to do with an old 401(k), when a rollover mak…
- Turning Savings Into A Real Retirement Plan
We got a thoughtful question from Amanda last week, who said: ‘I’ve been saving for retirement, but I’ve never actually made a plan.’ And she’s not alone. There are plenty of people who’ve built solid savings but haven’t connected the dots…
- Retirement Assassins: The Potential Silent Killers of Your Financial Future
The thing about assassins in the real world is that they’re sneaky and you don’t see them coming. And the assassins in the retirement planning world are exactly the same way. Let’s talk about some of the retirement assassins that can destr…
- Retirement Lessons From The Masters
The Masters is a beautiful reminder of just how much strategy, patience, and long-term focus goes into a great round of golf. Turns out, retirement works a lot like the game. Today, we’re teeing up a few key lessons from the course and how…
- Key 2025 Tax Breaks & Adjustment Opportunities
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 retire…
- April Fool’s: Beliefs That Fool Retirement Savers The Most
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. Impo…
- Smart Money Moves: Listener Questions Answered
Got financial questions? You’re not alone! In this episode, we're tackling listener questions on everything from Social Security timing and high annuity fees to investing side hustle income and navigating trust issues with financial adviso…
- Breaking: How Long Will $1 Million Last In PA, NJ & DE?
For years, $1 million was considered the gold standard for retirement savings. But is it really enough? A new analysis shows that depending on where you live, that million could last a lifetime… or barely 15 years. In this episode, we brea…
- If You’re a Smart Investor, Do You Really Need a Financial Advisor?
If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio…
- How To Change Your Money Attitude In 2025
We’re already a month into 2025—how’s it going so far? Maybe you set some financial goals back in January, or maybe you’re just now thinking about how to make this year better than the last. Either way, it’s never too late to take control…
- The Road to the 0% Tax Bracket: A Real Client Success Story
We get a great story on today’s episode about how Charles helped a recent client achieve the goal of the zero percent tax bracket. Find out how it happened and how you might be able to achieve this goal by listening to this episode! Import…
- IRAs Are Different: Strategies for Maximizing Your Wealth
IRAs are unique and come with rules that can significantly impact your retirement and legacy planning. In this episode, we’ll explore what makes IRAs different, how distributions are taxed, and why strategies like combining traditional and…
- 2024's Best Stocking Stuffer: Financial Freedom
The holiday season is here, and while you’re stuffing stockings for your loved ones, don’t forget to stuff your own financial stocking with tips that can bring you closer to a secure retirement. Today, we’re unwrapping 10 bite-sized, actio…
- Listener Q&A: Tackling Life’s Toughest Money Moments
Today, we’re sitting down with Charles Welde to explore real-life financial dilemmas from listeners just like you. From navigating late-life divorce and planning for aging parents to deciding whether to pay off a mortgage or give an unexpe…
- When Is Time No Longer on Your Side? Preparing for Market Volatility as Retirement Nears
We’re often told not to worry about market dips when we’re young, but when does this advice expire? In this episode, we'll discuss the critical shift that happens as you approach retirement, transitioning from accumulating to withdrawing a…
- Can You Rely on Dividends Alone for Retirement Income?
For many, dividends seem like the holy grail of passive income. But is it wise to rely solely on dividends for retirement? Join us as we unpack the risks and rewards of a dividend-focused retirement strategy. Important Links: Website: http…
- Why It’s Crucial To Know How Financial Advisors Get Paid
Ever wonder how your financial advisor really gets paid—and what that means for you? Whether it’s a fee, a commission, or a salary, the way your advisor earns money could be influencing the advice they give you. In today’s episode, we’re t…
- Unlock Your Potential During National Financial Planning Month
With National Financial Planning Month upon us, we’re sitting down with Charles to uncover the strategies and steps that go into building a personalized financial plan. From that first phone call to implementing a strategy that aligns with…
- Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning (Part 2)
Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones…
- Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning (Part 1)
Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones…
- Facing Real Financial Questions: Roth, Stocks, and Inheritance Insights
Today, we're tackling some real-life financial questions that many of us face. From considering Roth options for minimizing future taxes, to deciding whether to sell stock to fund education costs, or even using retirement savings to start…
- The Top 401(k) FAQs In 2024
We get a lot of questions about 401ks, and we know they can be tricky to navigate. That's why we're tackling your top questions in one comprehensive episode. Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705 Financ…
- Take the Fork: Yogi’s Wisdom on Making Financial Choices
In this episode, we’re diving into some famous words by the one and only Yogi Berra. You might know him for his legendary baseball career, but Yogi was also a goldmine of wisdom. We'll spin some of his classic quotes into financial advice.…
- The Beauty of Simplicity When Planning For Retirement
Retirement planning doesn’t have to be overwhelmingly complicated. It certainly doesn’t have to be as complicated as some people make it. In our next episode, we unravel the unnecessary complexities often woven into the fabric of retiremen…
- Retiree Insurance: The Basics You Must Know
While you dream about the leisurely days ahead of you in retirement, it’s also important to think about some of the less glamorous items, including insurance. In this new season of life, your old policies may no longer suit your needs or m…
- Combatting Popular Excuses For Poor Financial Decision-Making
Very often, we see people who know that the financial decisions that they’re making aren’t the best decisions, but they try to create excuses or explanations for why they’re doing what they’re doing. Let’s talk about why these excuses usua…
- Retirement Questions That Every Generation Is Asking
Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and the early half of Generation Z taking their initial steps into the career…
- Don’t Make These Income Planning Mistakes
Are you planning for your retirement with the confidence that you're making all the right moves? In today's episode, we'll unveil the crucial income planning mistakes that could jeopardize your retirement and show you how to craft a financ…
- How One Overlooked Issue Can Sink Your Retirement
Imagine your retirement plan as a ship sailing toward a horizon of rest and relaxation. But what if one leak could sink it all? In today’s episode, we spotlight some of the single oversights that could send your dreams to the bottom. We'll…
- Retirement Planning Is Different For Women: Here’s Why
With International Women's Day in March, it’s the perfect time to reflect on the progress women have achieved in the financial realm over the past century. Despite this, the path to retirement is not without its unique challenges for women…
- Answering Smart Listener Questions About Finances and Retirement
In this episode, we'll answer listener questions and explore the challenges of living on a fixed retirement income, the timing of Social Security benefits, and the complexities of managing a 401k invested heavily in company stock. We'll al…