Best JTeam PYour Podcasts (2025)

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The Importance of Legacy Planning Part 2 16:10

Play Pause

2M ago16:10

16:10

This week, Joseph and Kris Cervinka continue their discussion of essential strategies for protecting retirement savings and estate planning. They explore methods to avoid probate without a will, the importance of trusts, and various tax strategies to optimize retirement income. The conversation emphasizes the significance of understanding asset man…

1
The Importance of Legacy Planning Part 1 17:24

3M ago17:24

17:24

In this episode, Joseph and Chris Cervinka discuss the critical aspects of retirement planning, focusing on the importance of estate planning and legacy protection. They delve into the differences between wills and trusts, the probate process, and how to effectively manage one's estate to avoid unnecessary complications and ensure a smooth transiti…

1
The Tax Stages & How To Prepare For Them 15:57

3M ago15:57

15:57

In this episode of the Kingsguard Capitol Retirement Wars podcast, hosts Joseph and Kris Cervinka discuss critical aspects of retirement planning, focusing on taxes, market risks, and the importance of understanding Social Security benefits. They emphasize the need for a comprehensive analysis of retirement strategies to ensure financial security i…

1
Tax Torpedos Comin' At You 17:34

4M ago17:34

17:34

In this episode of the Kingsguard Capitol Retirement Wars podcast, hosts Joseph and Jessica Cervinca discuss the complexities of retirement taxation, focusing on the 'tax torpedo' that can significantly impact retirees' income. They explain the provisional tax calculation related to Social Security benefits and how various income sources can affect…

1
Understanding Your Savings In Retirement 17:46

4M ago17:46

17:46

Summary In this episode of the Kingsguard Capital Retirement Wars podcast, hosts Joseph and Kris Cervinka discuss essential strategies for navigating taxes and estate planning in retirement. They emphasize the importance of understanding the current economic landscape, including inflation and tax laws, and how these factors impact retirement planni…

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DC Decisions Affect Your Retirement Part 2 15:03

4M ago15:03

15:03

In this episode of the Kingsguard Capital Retirement Wars podcast, Joseph & Kris talk about the implications of IRMA (Income Related Monthly Adjustment Amount) on retirement savings and the importance of understanding various fees that can affect retirees' income. They emphasizes the need for a comprehensive retirement analysis to assess potential …

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D.C. Decisions Affect Your Retirement Part 1 15:50

4M ago15:50

15:50

In this episode, hosts Joseph and Chris Cervinka discuss the critical implications of tax risks and legislative changes on retirement planning. They explore how future tax rates could affect retirement income, the potential for changes in tax brackets, and the impact of the SECURE Act on inherited IRAs. The conversation emphasizes the importance of…

1
Common Pitfalls Of Estate Planning 17:10

5M ago17:10

17:10

In this episode of the Kingsguard Capitol Retirement Wars podcast, hosts Joseph and Chris Cervinca discuss critical aspects of retirement planning, focusing on legacy planning and estate management. They explore the differences between wills and trusts, the importance of beneficiary designations, and strategies like Qualified Charitable Distributio…

1
Retirement Strategies You Should Know 17:26

5M ago17:26

17:26

In this episode of the Kingsguard Capitol Retirement Wars podcast, hosts Joseph and Chris Cervinka discuss essential strategies for navigating taxes and estate planning in retirement. They emphasize the importance of understanding the current economic landscape, including inflation and tax laws, and how these factors impact retirement planning. The…

1
Washington & Your Retirement 15:55

5M ago15:55

15:55

In this episode of the Kings Guard Capitol Retirement Wars podcast, hosts Joseph and Chris Cervinka discuss the implications of tax risks on retirement savings, particularly focusing on tax-deferred accounts like 401(k)s and IRAs. They explore the potential for rising taxes due to legislative changes, government spending dynamics, and the impact of…

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The Secures Act & Your Retirement 9:58

6M ago9:58

9:58

In this episode, hosts Joseph and Chris Cervinka discuss critical aspects of retirement planning, focusing on the Secures Act and its implications for retirement accounts, as well as the significant costs associated with long-term care. They explore the changes brought by the Secures Act, including the new rules for required minimum distributions. …

1
Know Where Your Assets Are 9:18

7M ago9:18

9:18

In this episode of the Kingsguard Capital Retirement Wars podcast, hosts Joseph and Kris Cervinca discuss essential strategies for retirement planning, focusing on understanding different types of accounts, navigating required minimum distributions (RMDs), and exploring tax-free strategies to optimize retirement income. They emphasize the importanc…

1
Updating the looming SS crisis... and where did all our savings go? 10:25

1y ago10:25

10:25

A sliver of good news about how long funding for Social Security full benefits is expected to last. But has anyone offered a long-term solution? Kingsguard Capital's Jessica Cervinka tackles that question and examines the dramatic savings drain since the end of the pandemic. Reach out to the Kingsguard Capital J-Team at 804-886-1196…

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Income in Retirement... options for maximizing your savings! 11:27

1+ y ago11:27

11:27

Savings are a great start.... but how can you put those savings to work generating income in retirement? Is this a good time to add some undervalued stocks to your portfolio? Jessica Cervinka of Kingsguard Capital talks about risk vs reward and why reliance on the stock market could put your retirement in jeopardy. Reach out to the Kingsguard Capit…

1
Managing your money mindset... and could you ace a financial literacy quiz? 12:18

1+ y ago12:18

12:18

The feelings we have about money may be influencing our financial decisions. The Kingsguard Capital J-Team, Jessica and Joseph Cervinka, explore the relationship between how we view money and how we handle money. Plus, how doing a little financial homework could be a big help in planning and living your retirement. Reach out to the Kingsguard Capit…

1
Why work with a financial advisor? 9:08

1+ y ago9:08

9:08

Jessica and Joseph Cervinka of Kingsguard Capital explore the potential benefits of working with a financial advisor when heading into and through retirement. Topping the list is Income planning. How much do you need to spend? How much do you want to spend? How a financial advisor can help you create a solid financial foundation for retirement. Rea…

1
Income in retirement... Could an annuity could help fill the gap? 9:51

1+ y ago9:51

9:51

Once the paychecks stop, will you have enough income to live your retirement dream? The J-Team, Jessica and Joseph Cervinka of Kingsguard Capital discuss annuities and other options for filling the retirement income gap. Reach out to the Kingsguard Capital J-Team at 804-886-1196By The J-Team

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Annuities and financial planning for decades in retirement. 13:31

1+ y ago13:31

13:31

Part two in the Retirement Wars Series on Annuities. Retirement could span decades... Jessica Cervinka of Kingsguard Capital discusses the challenge of financially preparing for twenty, thirty, even forty years in retirement as she continues her series on annuities. Reach out to the Kingsguard Capital J-Team at 804-886-1196…

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The What and Why of Annuities 7:44

1+ y ago7:44

7:44

Annuities can be confusing and complicated. Jessica Cervinka of Kingsguard Capital begins a series on annuities and discusses why an annuity may be right for some but not for everyone. What questions should you ask about an annuity and the person selling it? Reach out to the Kingsguard Capital J-Team at 804-886-1196…

1
Medicare and Drug Prices... plus Defining Fiduciary 11:21

1+ y ago11:21

11:21

Medicare is set to begin price negotiations on 10 high cost drugs in 2026. Even if some prices can be lowered, healthcare in retirement can one of your biggest expenses. The Kingsguard Capital J-Team explores healthcare coverage options for retirees. Also, defining fiduciary. What it means to the J-Team and what they say we should know when looking…

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Age and Annuities... Is there a "best" age to buy an annuity? 10:45

1+ y ago10:45

10:45

The Kingsguard Capital J-Team, Jessica and Joseph Cervinka, discuss different types of annuities and why age matters. Reach out to the Kingsguard Capital J-Team at 804-886-1196By The J-Team

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Is Your Home Part of Your Retirement Plan? And Social Security Shortfall? 13:28

1+ y ago13:28

13:28

Your home may be your most valuable asset and if your retirement plan was to sell your home, downsize and sock away the profit, you may be rethinking that plan. The Kingsguard Capital J-Team, Jessica and Joseph Cervinka discuss why mortgage rates have many pre-and-post retirees looking at other ways to leverage the equity in their homes including r…

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Saved a million? Now let's get serious about retirement! 10:10

2y ago10:10

10:10

Reaching $1,000,000 in savings is a real milestone. But is it enough, on it's own, to last for your full retirement? The Kingsguard Capital J-Team explains why relying on savings alone could let you down. In this episode of Retirement Wars!, Jessica and Joseph Cervinka also outline strategies for stretching and protecting your retirement dollars. R…

1
Adjustable Rate Mortgages... worth considering? 10:03

2y ago10:03

10:03

Applications for ARM's are on the rise. The J-Team discusses risks and potential rewards of Adjustable Rate Mortgages. Jessica and Joseph Cervinka also discuss a global retirement report card. Why the U.S. got a C+. Reach out to the Kingsguard Capital J-Team at 804-886-1196By The J-Team

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What are Annuities? 14:36

2y ago14:36

14:36

Annuities are getting a lot of attention right now. The Kingsguard Capital J-Team explains what they are, the different types, and how they work. Jessica and Joseph Cervinka also detail the pros and cons of annuities in retirement. Reach out to the Kingsguard Capital J-Team at 804-886-1196By The J-Team

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What if Social Security Ran Out of Money? 10:14

2y ago10:14

10:14

The Kingsguard Capital J-Team examines the ongoing problem of Social Security overpayments and subsequent efforts to claw back that money. Also, what if Social Security didn't exist? How much more would we have to save to make up for that? Reach out to the Kingsguard Capital J-Team at 804-886-1196By The J-Team

1
Holistic Financial Planning and Your Retirement 8:57

2y ago8:57

8:57

The Kingsguard Capital J-Team explains the value of a diversified portfolio as part of a Holistic Financial Plan. Are you truly diversified? How to find out. Also, new car dealers are starting to negotiate prices. Great for buyers! But is there a downside? Reach out to the Kingsguard Capital J-Team at 804-886-1196…

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Investing in Gold and How Much is Enough in Your Emergency Cash Stash... 8:40

2y ago8:40

8:40

Considering gold as an investment. The Kingsguard Capital J-Team explores the renewed rush on gold bars. Plus, the pros and cons of investing in gold. The J-Team also talks cash. If you were unable to use your credit or debit cards... how much cash would be enough to have on hand? Reach out to the Kingsguard Capital J-Team at 804-886-1196…

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Will your Social Security Benefits be Taxed? and Sweet Deals for Ex-Pats... 10:53

2y ago10:53

10:53

The Kingsguard Capital J-Team explains why your Social Security Benefits may be subject to federal taxes and, depending on where you live, subject to state taxes as well. Also, dream of retiring abroad? Some countries are offering big incentives to American retirees. Reach out to the Kingsguard Capital J-Team at 804-886-1196…