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Learn about investment strategies, how much you can spend in retirement, ways to reduce taxes, Social Security benefits, Roth IRA conversions and contributions, portfolio diversification, creating retirement income, and more. At Menninger & Associates, our philosophy is based on the fundamentals of financial planning. Further, we strongly believe that education and knowledge are powerful. In the end, all decisions are ultimately made by our clients, so each client knows why they are making those decisions thanks to our extremely informative meetings. Tune into this educational channel to learn strategies used every day! Michael Menninger, CFP - Investment Advisor Representative. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment adviser. Cetera is under separate ownership from any other named entity. Tax planning services offered by Menninger & Associates. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty. Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes. Investing in mutual funds is subject to risk and loss of principal. There is no assurance or certainty that any investment strategy will be successful in meeting its objectives. Before investing, the investor should consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 plan. Menninger & Associates, 820 Adams Avenue, Suite 100, Trooper, PA 19403
Episodes
Tuesday Feb 13, 2024
Public Adjusting with Andy Gurkzak
Tuesday Feb 13, 2024
Tuesday Feb 13, 2024
This week on “Financial Planning: Explained”, host Michael Menninger, CFP and Kyle Ryan, CFP welcome Andy Gurkzak. Andy is the President and Manager at Allcity Adjusting, which is a licensed public adjusting firm in Indiana.
In this episode, Andy and Mike discuss the process of an adjuster evaluating property damage, negotiating an insurance claim with the insurance company, and insurance coverage. Public adjusting has financial planning implications as risk management is one of the six areas of financial planning.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
Tuesday Jan 02, 2024
Uncovering Unexpected Planning Needs with Nick DeVito, CFP
Tuesday Jan 02, 2024
Tuesday Jan 02, 2024
On this week’s episode of “Financial Planning: Explained”, host Michael Menninger, CFP sits down with Nick DeVito. Nick is a financial planner at Menninger & Associates Financial Planning.
In this episode, Mike and Nick discuss unexpected planning needs that people often overlook. Topics in this episode include: paying off debt, utilizing the benefits of a HELOC (Home Equity Line of Credit), maximizing employer match, and the importance of estate planning.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
Tuesday Dec 19, 2023
Year-End Tax Planning Part II with Nick DeVito
Tuesday Dec 19, 2023
Tuesday Dec 19, 2023
On this week’s episode of “Financial Planning: Explained”, host Michael Menninger, CFP is joined again by Nick DeVito. Nick is a financial planner at Menninger & Associates Financial Planning. This episode is the second of a two-part series discussing year-end tax planning.
In this episode, Mike and Nick review further considerations for year-end taxes. Topics in this episode include: tax loss harvesting, Roth IRA conversions, and business deductions.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
Tuesday Dec 05, 2023
Year-End Tax Planning Part I with Nick DeVito
Tuesday Dec 05, 2023
Tuesday Dec 05, 2023
This week on “Financial Planning: Explained”, host Michael Menninger, CFP welcomes back Nick DeVito. Nick is a financial planner at Menninger & Associates Financial Planning. This episode is the first of a two-part series on year-end tax planning.
As we reach the end of the calendar year, it is important to review certain considerations for tax planning. In this episode, Mike and Nick discuss options to maximize retirement plan contributions and proper tax withholding.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
Tuesday Nov 21, 2023
Understanding Employee Benefits Part II with Nick DeVito
Tuesday Nov 21, 2023
Tuesday Nov 21, 2023
On this week’s episode of “Financial Planning: Explained”, host Michael Menninger, CFP is joined again by Nick DeVito. Nick is a financial planner at Menninger & Associates Financial Planning. This is the second episode of a two-part series on employee benefits.
In this episode, the guys continue their discussion on employee benefits. Mike and Nick go into detail about topics such as disability insurance and 401(k) programs. When discussing 401(k)s the two touch on the basics, vesting, and loan options.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
Wednesday Nov 15, 2023
Understanding Employee Benefits Part I with Nick DeVito
Wednesday Nov 15, 2023
Wednesday Nov 15, 2023
This week on “Financial Planning: Explained”, host Michael Menninger, CFP welcomes Nick DeVito. Nick is a financial planner at Menninger & Associates Financial Planning.
This episode is the first of a two-part series on employee benefits. In this episode, Mike and Nick discuss what exactly employee benefits are. After a broad overview, they cover in detail topics like open enrollment, health insurance, and life insurance.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
Tuesday Oct 31, 2023
Understanding PSERS Part II with Kyle Ryan, CFP, ChFC
Tuesday Oct 31, 2023
Tuesday Oct 31, 2023
On this week’s episode of “Financial Planning: Explained”, host Michael Menninger, CFP is joined again by Kyle Ryan, CFP, ChFC. Kyle is a financial planner at Menninger & Associates Financial Planning. This episode is the second of a two-part series on PSERS (Pennsylvania Public School Employees’ Retirement System).
In this episode, the show an example of a PSERS statement and all that is involved with it. This episode also reviews the portion of the pensions that can be distributed as a lump sum and how it impacts the pension. They also go into detail about the various payout options and how they affect your monthly payout.
For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com
*Menninger & Associates is not affiliated with, sponsored by, or endorsed by PSERS
Tuesday Oct 24, 2023
Understanding PSERS Part I with Kyle Ryan, CFP, ChFC
Tuesday Oct 24, 2023
Tuesday Oct 24, 2023
This week on “Financial Planning: Explained”, host Michael Menninger, CFP welcomes back Kyle Ryan, CFP, ChFC. Kyle is a financial planner at Menninger & Associates Financial Planning. This episode is the first of a two-part series on PSERS (Pennsylvania Public School Employees’ Retirement System).
In this episode, the guys discuss exactly what PSERS is, how the pension is calculated, the differences between older and newer versions of the pension plan, and the parameters around it compared to other pensions.
For more information on Menninger & Associates Financial Planning visit https://maaplanning.com
*Menninger & Associates is not affiliated with, sponsored by, or endorsed by PSERS
Tuesday Oct 17, 2023
Retirement Planning Case Study with Kyle Ryan, CFP
Tuesday Oct 17, 2023
Tuesday Oct 17, 2023
On this week’s episode of Financial Planning: Explained, host Michael Menninger, CFP sits down with Kyle Ryan, CFP. Kyle is a financial planner at Menninger & Associates Financial Planning. This episode is a case study on retirement planning, which is one of the six major areas of financial planning.
In this episode, Mike and Kyle discuss a case study for a married couple nearing retirement. It’s an interesting case study because it covers topics such as: inheritance, pensions, and 401(k)s. They also discuss possible solutions to the couple’s situation. This is a great episode for anyone that is nearing retirement.
For more information on Menninger & Associates Financial Planning visit https://maaplanning.com
Tuesday Aug 15, 2023
Business Franchising 101 with Marty Greenbaum, CFE (Part III)
Tuesday Aug 15, 2023
Tuesday Aug 15, 2023
This week on Financial Planning: Explained, host Michael Menninger, CFP welcomes back Marty Greenbaum, CFE. Marty is the Founder and Senior Franchise Consultant at Smart Franchise Investing.
This is the final episode in the three-part series on business franchising. This episode focuses on the process of purchasing a franchise. Topics include: financing the purchase, marketing ventures, and the importance of speaking to a consultant before committing to purchasing a franchise.
For more information on Menninger & Associates Financial Planning visit https://maaplanning.com