WealthGrow by Wharton Investment Consultants
Financial guidance and education provided by:Wharton Investment Consultants5010 Canby Drive, Wilmington DE 19808-1102Tel: [email protected] - www.afiduciaryadvisor.comSecurities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Advisor Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Advisor Representatives, who ca...
Small Business Retirement Plans
Today's exciting podcast, Small Business Retirement Plans.
But we aren’t just looking at this as a way to save for your golden years. Today, we are looking at retirement plans as one of the single most powerful tax-reduction strategies available to small business owners.
If you are running a business, you know that every dollar counts, and handing over more than you need to in taxes hurts your cash flow. By picking the right retirement structure, you can legally shift money from the tax collector’s pocket straight into your own wealth-building vehicle. Today, I’m g...
How Time Can Become One of Your Greatest Investment Assets
Today we're going to talk about one of the most powerful concepts in investing—and one that is surprisingly easy to understand.
It's called compounding.
You've probably heard the phrase "compound interest" before. Maybe you've even heard Albert Einstein's famous description of compound interest as the "eighth wonder of the world."
Whether or not Einstein actually said that is a debate for another day. But the underlying idea is absolutely worth understanding. Because compounding can turn relatively modest amounts of money into significant wealth over long periods of time.
An...
Retirement - The Early Years & Easing In
Today, we are exploring the massive psychological shift that happens when your regular career routine completely disappears.
Many people spend decades planning the financial numbers. They calculate net worth and withdrawal rates, but they rarely plan for the sudden loss of identity. It hits you incredibly fast.
Your career provides status, community, and a daily schedule. When that stops, the mental void can be overwhelming. I have seen clients hit a wall on their very first Monday morning. No emails, no deadlines, just a completely blank calendar.
It often feels les...
Why Staying Invested During Volatile Markets May Be the Most Important Financial Decision You Make
So let's get started with today's exciting podcast. You've probably heard phrases like:
"Markets are tumbling."
"Investors are nervous."
"Economic uncertainty continues."
"Is a recession coming?"
And if you’ve looked at your investment account during a market downturn, you've probably felt a few emotions yourself—fear, uncertainty, frustration, perhaps even the temptation to move everything to cash until things calm down.
Today, we're going to discuss one of the most important investing principles in building long-term wealth:
Why staying invested during volatile markets is o...
Decoupling Care – Medicare vs. Medicaid
Today, we are tackling the two giants of American public health insurance: Medicare and Medicaid.
They sound almost identical. They were both born in the exact same year—1965—under President Lyndon B. Johnson’s Great Society. Yet, they serve completely different populations, have different rules, and use completely different timelines for signing up.
"I qualified for the healthcare program that starts with an 'M'..." It’s a phrase health insurance navigators hear every single day. But mixing up these two programs can cost you thousands of dollars or leave you without coverage when you need it most...
WealthGrow: Mapping Your Retirement
Welcome to Your Blank Canvas
Welcome to The WealthGrow Podcast. If you are standing within the five-year countdown to retirement, I want you to take a deep breath and clear your mind of the spreadsheets for a moment. What you are approaching is not an ending. It is not a slow fade, and it is certainly not a finish line where you just sit down and stop. Retirement can be the single largest opportunity for total personal reinvention you will ever get.
For the last forty years, your alarm clock, your calendar, your...
“Long Term Care Insurance: Planning for Independence, Not Dependence”
Introduction to LTC
“Most people don’t plan to need long‑term care. And yet, most of us will.”
Welcome to the show. Today we’re talking about long‑term care insurance—what it is, what it isn’t, and why it deserves thoughtful consideration as part of a broader retirement and estate strategy.
This isn’t about worst‑case scenarios or fear‑based planning.
It’s about control, independence, and safeguarding the people we care about.
When families come into my office, long‑term care is often one of t...
“Social Security: The Retirement Decision You Can’t Afford to Get Wrong”
Today’s episode is one of the biggest, most important, most misunderstood topics in retirement planning: Social Security.
For most Americans, Social Security is the single largest source of retirement income — and yet, it's also one of the areas where retirees make the most mistakes. And the cost of those mistakes isn’t small. Claiming benefits at the wrong time can mean the difference of tens of thousands — even hundreds of thousands — of dollars over your lifetime.
So today, we’re going to slow down, pull this apart piece by piece, and make sur...
Understanding the Duties of a Power of Attorney: What You Must Know
Welcome to today’s episode, where we take a deep dive into one of the most important but often misunderstood roles in personal and financial planning: the Power of Attorney. Whether you’re considering appointing someone, have recently been named as one, or simply want to plan ahead for yourself or your loved ones, this episode will give you a clear, practical understanding of what a Power of Attorney does, what duties they owe, and how to avoid common pitfalls.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advi...
Income That Pays You Back: The Power of Dividend Investing
“The Power of Dividend Investing” - how companies pay you for owning their shares, and how that income can complement retirement cash flow, charitable giving, and generational planning.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.
The Power of Patience: Maximizing Your Social Security by Waiting Until 70.
Today we are tackling a topic that is arguably the most important, and often the most misunderstood, financial decision of your life: Social Security.
I see it all the time. Clients, often wanting to retire or seeing a friend start collecting, rush to claim their benefits early—maybe at 62. They're focused on getting the money now. But here’s the cold, hard truth: Claiming early is the most common and expensive retirement mistake for most Americans, especially women.
We are going to flip that script today. We are going to explore the...
Portfolio Management & Risk - Building Confidence in Every Market
Today’s topic is a big one — Portfolio Management and Risk.
We’ll explore what portfolio management really means, how risk fits into it, and how a disciplined approach can help you navigate any market environment with confidence.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.
Charitable contributions directly from your Required Minimum Distribution.
Welcome to WealthGrow, where we discuss building wealth, securing your future, and making informed financial decisions. My name is Stuart Cameron, OSJ Branch Manager and Financial Advisor with Wharton Investment Consultants and today we’re diving into a powerful and often overlooked strategy for retirees — how to make charitable contributions directly from your Required Minimum Distribution, or RMD.
Stick with me for the next 30 minutes, and by the end of this episode, you’ll understand what RMDs are, how charitable giving from them works, why it could save you money on taxes, and how to do it...
Beneficiary Designations & Per Stirpes Explained
“Welcome to WealthGrow, where we discuss building wealth, securing your future, and making informed financial decisions. My name is Stuart Cameron, OSJ Branch Manager and Financial Advisor with Wharton Investment Consultants and today we’re diving into an area of planning that often gets overlooked — but can have some of the biggest impacts on how your money and assets are passed down.
We’re talking about beneficiary designations and something called per stirpes.
Now, I know those terms might sound a little intimidating or even like legal jargon, but by the end of this episode, you’ll u...
Comfortable Retirement
Whether you’re ten years away, or just starting to think about retirement planning, this episode will walk you through the key steps to help ensure a financially secure and fulfilling retirement. So grab a cup of coffee, and let’s talk about your future."
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under sepa...
IRA Essentials: How to Name Your Beneficiaries the Right Way
Today we’re diving into a topic that might seem simple but is so important: naming beneficiaries for your IRA.
Now, you might be thinking, “I’ve already named someone on my form—done and dusted, right?” Well, not exactly. Missteps here can have major consequences for your loved ones and your hard-earned savings. In fact, I’ll share a quick story: a man passed away, and despite his will stating everything should go to his kids, his ex-wife—still listed as his IRA beneficiary—ended up inheriting the entire account. Yikes!
So today, we’ll cover everythin...
Understanding the 10-Year Rule for Inherited Retirement Accounts
Today we’re diving into a really important rule that affects many people who inherit retirement accounts: the 10-Year Rule. Whether you’ve inherited an IRA, a 401(k), or you’re planning your estate, you’ll want to understand how this rule works and what it means for your financial strategy.
We’ll break this down into easy sections: what the 10-Year Rule is, who it applies to, how it works in practice, exceptions you need to know, and some smart strategies to consider
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Modern Portfolio Theory (MPT)
Today we’re diving into one of the most important ideas in investing — something called Modern Portfolio Theory, or MPT for short.
Now, I know what you’re thinking — 'theory'? Sounds complicated. But stick with me — because once you get this, it could completely change the way you think about money, risk, and investing.
Plus, I’ll break it down with real-world examples — no fancy math required. Let’s jump right in."
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Adviso...
Why Asset Allocation & Diversification Can Make or Break Your Portfolio
These aren’t just boring financial buzzwords. They can help build wealth without losing sleep. Stick with me for the next 12 minutes, and by the end of this episode, you’ll not only know what they are — but why they maybe so crucial to your success as an investor.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Adviso...
Budgeting
When it comes to managing your finances, the most important tool you can have is a solid budget. Budgeting is not just about tracking your spending; it’s about gaining control over your money, making informed decisions, and achieving your financial goals. Whether you’re trying to pay off debt, save for a significant purchase, or build wealth for the future, budgeting is the key to reaching those objectives.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doin...
A Brief intro to Social Security and Medicare
Social Security and Medicare.
These programs can seem complicated, but they’re super important — whether you’re nearing retirement, helping your parents figure things out, or just planning for your future. So, let’s break it all down in plain English. No jargon. No stress.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Register...
Generational Wealth - Planning for a Lasting Legacy
Have you ever though about what happens to your wealth after you're gone? Generational planning isn't just about passing down money. It's about passing down knowledge, values, and a financial framework that lasts.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.
Podcast 5 - Trivia Quiz 3
Get the answers to Trivia Quiz 2 and the new questions for this weeks podcast.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.
Podcast 4 - Trivia Quiz 2
Answers to Quiz 1 and another 10 questions increasing in difficulty. Email answers to [email protected].
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.
Podcast 3 - Trivia Quiz 1
A short financial trivia quiz of 10 questions. These questions balance foundational knowledge with some real-world practicalities.
You can email your answers to [email protected] or tune in to next weeks podcast for them.
website
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any o...
Podcast 2 - Understanding Required Minimum Distributions (RMDs) and Qualified Charitable Deductions (QCDs)
A brief description of Required Minimum Distributions (RMDs) and Qualified Charitable Deductions and how they are implemented.
WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111
Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.
Podcast 1 - WealthGrow Podcast Introduction
Join us in the WealthGrow Podcast Series as we explore the important concepts to help construct a comprehensive, long-term retirement plan and investment strategy. These podcasts will offer guidance on saving, budgeting, debt, retirement, and other personal finance topics in easy to understand general terms (not for individual case discussion).
It is our hope that these podcasts will allow us to bring additional context to our educational platform while also allowing us to build on our regular communications with our clients. Episodes will include regular conversations with our advisor team, institutional money managers discussing market...
