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Well Balanced: Daily Summaries Delivered
by Vector Wealth Management
Well Balanced - Financial Planning, Bucket-Based Investing, Market Perspective, Wealth Management. A passionate and entertaining look at money and investing in and for retirement. For those that enjoy podcasts like Smart Money, On Investing, and BiggerPockets, Well Balanced is worth adding to your feed. Disclosures about our firm and this podcast. Vector Wealth Management is registered as an investment adviser with the Securities Exchange Commission (SEC). The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Vector’s current written disclosure brochure filed with the SEC which discusses among other things, Vector’s business practices, services and fees, is available through the SEC’s website.
Latest Episodes
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- Jul 8, 20264 min
Where to Keep Your Cash for Retirement
Where should you keep your cash in retirement? The answer is about more than just finding the highest interest rate. In this video, Sharon Calhoun, Managing Director and Senior Wealth Advisor at Bluespring Wealth, discusses how cash fits into a broader retirement strategy. From high-yield savings accounts and money market accounts to CDs, each option can serve a different purpose depending on your timeline and income needs. Learn how organizing assets by time horizon can help support spending needs, provide liquidity, and reduce the pressure to sell long-term investments during periods of market volatility. - bluespringwealthmidwest.com/contact - Advisory services are provided by Bluespring Wealth Management, LLC, an SEC registered investment adviser. Not all financial professionals are licensed or registered to conduct business in every state. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the purchase or sale of any specific securities, investments or investment strategies. Insurance services offered through Kestra Insurances services, LLC, Capital Indepenent Insurance Services, LLC & Vector Insurance Services, LLC. Bluespring Wealth is the national brand for all Bluespring affiliated firms and services. Legal entities operating under the Bluespring Wealth brand include Bluespring Wealth Management, LLC, a registered investment adviser, and businesses using the marketing name Bluespring Wealth, which may include financial professionals registered with Kestra Investment Services, LLC (member FINRA/SIPC) and/or Kestra Advisory Services, LLC, an SEC registered investment adviser. Kestra Investment Services, LLC and Kestra Advisory Services, LLC are affiliated with Bluespring through common ownership under Kestra Holdings. Bluespring Wealth Partners includes independent advisory firms affiliated with Bluespring whose financial professionals may be registered as registered representatives of Kestra Investment Services, LLC, investment adviser representatives of Kestra Advisory Services, LLC, or associated with independent, stand alone registered investment advisers operating under their own DBAs. Registration status and services vary by advisor and firm. Not all services are available through all entities. Be sure to consult with a qualified financial professional and/or tax professional before implementing any investment strategy. V26156-068
- Mar 23, 20263 min
The Three Stages Stages of Retirement
For most people, retirement doesn’t stay the same from start to finish. It tends to move through distinct phases, each with different priorities and financial rhythms. Presented by Joe Grochowski, a senior wealth advisor at Vector Wealth Management. Connect with Joe and the team: vectorwealth.com/contact In this short video, I walk through what are often called the Go-Go years, the Slow-Go years, and the No-Go years. Early on, retirement may be active and experience-focused. Later, life often becomes steadier, with more attention on income alignment and simplifying finances. Eventually, planning may center more on health, support, and making things easier for you and your family. Put simply, your income strategy, withdrawal approach, and planning focus may need to evolve as your lifestyle changes. What works well in one phase may need adjusting in the next, and that flexibility is often a key part of thoughtful retirement planning. Watch the full video to better understand how these phases unfold and what to consider at each stage. - All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed. - vectorwealth.com/regulatory V26076323
- Mar 11, 20263 min
Is Your Retirement Plan Ready for Reality?
Retirement isn't just leaving your job—it's a life shift. Your time, your days, and your finances all change. Here's what matters: ✅ Replace your paycheck with steady income from savings & investments ✅ Protect against inflation over 10-20 years ✅ Time Social Security & Medicare strategically ✅ Coordinate withdrawals to minimize taxes But it's not just financial. Work gives life structure—retirement requires finding new rhythms. Ready to make your transition intentional and well-planned? Let's talk. Contact Vector Wealth Management https://www.vectorwealth.com/start - V26070321 All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed. vectorwealth.com/regulatory
- Feb 20, 202659 min
Fraud Prevention and Cybercrime Tactics – Part Two Fireside, Q&A
In this informative presentation, Paul Ewing, Schwab’s Senior Technology Consultant, and Boima Freeman, Senior Financial Fraud Investigator at the Minnesota Department of Commerce, share real-world examples and actionable strategies to help you safeguard your financial accounts and personal information. Vector’s Senior Wealth Advisor Mike Nesheim moderates the fireside chat and Q&A with the audience. Suzy Klapperich, Vector’s Chief Compliance Officer, shares a best practice of having trusted contacts on file with your financial advisor and financial custodians. Learn about: Email Security Best Practices - Why email is the #1 attack vector and how to protect sensitive information Password Management - The critical importance of unique, long passwords and password manager tools Multi-Factor Authentication - Adding essential layers of security to your accounts Phishing & Social Engineering - How to recognize and avoid sophisticated scam attempts Romance & Investment Scams - Real cases and warning signs to watch for Check Fraud & Mail Security - Protecting yourself from check washing and mail theft Credit Freezing - Preventing identity theft with credit bureau freezes Minnesota Safe Senior Act - Legal protections available to prevent financial exploitation Discover practical tips like using VPNs, avoiding public WiFi, cleaning up old emails, and setting up trusted contacts. Whether you're concerned about protecting your retirement savings or simply want to strengthen your cybersecurity posture, this session provides essential knowledge to keep you and your family safe in an increasingly digital world. - V26050315_2
- Feb 20, 202643 min
Fraud Prevention and Cybercrime Tactics – Part One with Boima Freeman
Fraud is no longer rare—it's happening everywhere. In 2024 alone, three out of ten people experienced attempted fraud, with one in ten falling victim. For Minnesotans age 60 and older, reported losses reached $52.2 million, with actual losses potentially much higher since many cases go unreported. In this recording, Boima Freeman, Senior Financial Fraud Investigator at the Minnesota Department of Commerce shares his experience with a presentation focused on: the impact of financial exploitation, trends and tactics, the MN Safe Senior Act, and his advice on what you can do to avoid becoming a victim of financial fraud. Sharon Calhoun, Managing Director and Suzy Klapperich, Chief Compliance Officer at Vector Wealth Management kick off this recorded live event and introduce Boima. Check out a second live recording from the event featuring Schwab’s Senior Technology Consultant Paul Ewing and Senior Wealth Advisor Mike Nesheim, along with Boima Freeman for a fireside chat and Q&A with the audience. Visit our blog for more. Scams have become increasingly sophisticated. Fraudsters impersonate trusted companies, government agencies, and even family members. They create urgency and fear, keeping victims on the phone while coaching them on what to say to their banks. Common tactics include tech support pop-ups, romance scams, investment schemes, and government imposter calls. Three Critical Rules to Remember: Don't answer unknown calls—if it's important, they'll leave a voicemail Hang up immediately if something feels wrong Verify by contacting the company directly using a number you trust Red flags include requests for payment via gift cards, cryptocurrency, or wire transfers; demands for secrecy; and pressure to act immediately. The IRS will never ask for gift cards. Banks don't call demanding you move money to "secure locations." Vector Wealth Management recently prevented a major fraud when a long-time client attempted to liquidate his entire portfolio. Through persistence and partnership with the Minnesota Department of Commerce, they discovered he'd fallen victim to a Microsoft tech support scam. Protect yourself: Establish trusted contacts with your financial institutions, create unique passwords for different accounts, and never rush financial decisions. If someone pressures you to keep secrets or act immediately, it's a scam. Remember: Only you can prevent fraud. When in doubt, hang up and verify through official channels. - V26050315_1
- Jan 21, 20266 min
Market Perspective: 2025 in Review, 2026 in Focus
The S&P 500 closed 2025 with an impressive 17% gain, underscoring the market’s resilience and strength. That strong finish came despite a challenging start to the year. In this update, we revisit what last year’s swings taught us and look ahead to how broader market participation is shaping the landscape for 2026. - More details on our website: vectorwealth.com Contact us: vectorwealth.com/contact - All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed. - vectorwealth.com/regulatory V26020309
- Jan 9, 20263 min
Organizing Your Financial Documents for the New Year with Charlie Gruys
As we kick off the new year, we want to share a simple habit that can make a meaningful difference in your financial life: organizing your financial documents. Think of this as your Marie Kondo or Barbara Costello moment—but for your finances. A small amount of effort now can make the rest of the year feel smoother, more organized, and less stressful. What does financial decluttering involve? It really comes down to three key areas: account statements, tax documents, and important legal paperwork. 1. Account Statements & Confirmations Your monthly or quarterly custodian statements are the official records of your accounts. If you’re still receiving paper statements, consider switching to electronic delivery—it’s faster, easier to store, and more secure. In most cases, keeping your most recent statement is all that’s needed. If you’re holding onto statements from 10–15 years ago, it’s worth checking with your advisor before discarding them. Older documents may contain cost basis details that aren’t always tracked by custodians. 2. Tax Documents Keep your most recent tax return somewhere easy to access as new tax documents from the prior year begin arriving. Having last year’s return handy helps you know what to expect and simplifies the process for you or your accountant. A simple system works best. Consider creating a folder—digital, physical, or both—for each tax year. Inside, include items such as: W-2s and 1099s Investment statements Charitable giving receipts Medical and childcare expense records Mortgage interest statements Estimated tax payments Any other documents needed for filing 3. Important Legal Documents This category includes: • Wills • Powers of attorney • Healthcare directives • Beneficiary designations • Insurance policies • Birth and marriage certificates Make sure these documents are up to date, stored securely, and accessible to someone you trust. Having them organized provides peace of mind and makes things much easier for your loved ones if they ever need them. A Simple 30-Minute Challenge Schedule just 30 minutes this week—Tuesday at noon, for example—to: • Review last year’s tax return • Check on your key legal documents • Create folders for the new tax year You might even consider making this a recurring annual calendar event. Your future self—and your family—will thank you. Staying organized reduces stress, helps prevent mistakes, and keeps your financial life running smoothly. And if you’d like help getting started or want to review your documents together, don’t hesitate to reach out. We’re always here to support you. - vectorwealth.com/contact - V25351303 vectorwealth.com/regulatory - All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment.
- Jan 5, 20265 min
Six Tips for Retirees and Savvy Savers with Chris Wagner
Get a head start on your financial goals for 2026! In this episode, Chris Wagner, Wealth Advisor at Vector, shares six financial planning topics for the year ahead. Financial Planning in the New Year 73+ in 2026? Plan for Required Minimum Distributions (RMDs) from pre-tax accounts Maximize Giving with Qualified Charitable Distributions (QCDs) Roth Conversion for tax-free growth once in a Roth IRA Beneficiary Designations – Reminder to review and update Fund a Donor-Advised Fund (DAF) with appreciated investments Contribute to a 401(k) or HSA: Updated Limits in 2026 Plus, New Catch-Up Contribution Rule for High Earners If you’re age 50 or older and earned more than $150,000 with the same employer last year, all of your 401(k), 403(b), or 457(b) catch-up contributions must go into a Roth 401(k) account. 2026 is a transition year for this rule, with full enforcement starting in 2027. Check with your employer or retirement account custodian to learn if your plan is eligible. Whether you’re planning for retirement, looking to optimize your tax strategy, or simply want to stay informed about the latest changes, Vector is here to help. Happy New Year! - Connect with Vector at vectorwealth.com - Regulatory All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. Vectorwealth.com/regulatory
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About Well Balanced
Well Balanced - Financial Planning, Bucket-Based Investing, Market Perspective, Wealth Management. A passionate and entertaining look at money and investing in and for retirement. For those that enjoy podcasts like Smart Money, On Investing, and BiggerPockets, Well Balanced is worth adding to your feed. Disclosures about our firm and this podcast. Vector Wealth Management is registered as an investment adviser with the Securities Exchange Commission (SEC). The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Vector’s current written disclosure brochure filed with the SEC which discusses among other things, Vector’s business practices, services and fees, is available through the SEC’s website.
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