The Heart Of Your Money: Inspiration For Financial Wellness
Welcome to "The Heart of Your Money," your trusted podcast for financial and retirement planning guidance. Join Joe Yocavitch and his son Michael Yocavitch from JML Financial as they delve into essential topics to help you achieve solid financial health and successful retirement planning. For over three decades, the JML Financial team has been empowering families in Cherry Hill and the surrounding communities to retire with confidence. In each episode, Joe and Michael explore crucial financial concepts and provide actionable advice to help you avoid common mistakes as you approach and navigate through retirement. Got questions? Reach out to us at 856-751-1771 or email jyocavitch@brokersifs.com. Visit us online at jmlfinancialgroup.com for more resources and information.
Episodes
What if the biggest threats to your legacy aren’t just taxes or probate, but missed conversations and overlooked details? In this episode, Joe Yocavitch welcomes estate and tax attorney Ron Cappuccio to unpack the real-world challenges of wills, trusts, moving states, and inheriting money at the wrong age. Discover why planning ahead, asking the right questions, and working with the right professionals can make all the differ...
On this week's episode:
- What if the real danger to your retirement isn’t market swings, but the hidden risks of taxes, inflation, and emotional decisions?
- Discover why a “master plan” matters—covering income, tax strategies, and legacy planning for every stage of retirement.
- Learn how sequence of return risk, diversification, and guaranteed income can protect your future, even if the market bubble burst...
Are hidden “financial cavities” lurking in your retirement plan? This episode of The Heart of Your Money with Joe Yocavitch explores why regular financial checkups are as crucial as dental visits. Learn how market volatility, principal protection, and guaranteed income strategies can help defend your future. Discover the power of asking tough questions, leveraging technology for ongoing reviews, and building a plan that...
On this week's episode:
- What if the secret to a fulfilling retirement isn’t just saving, but staying active, flexible, and prepared for life’s surprises?
- Explore why working longer can boost your financial and mental health—and how to balance income, spending, and legacy goals.
- Learn the importance of a customized master plan that adapts to market swings, inflation, and changing personal needs.
- Discover strat...
What if the secret to lasting wealth isn’t chasing market highs, but avoiding costly mistakes and building a plan that adapts as life changes? In this episode, Joe Yocavitch shares how investor psychology, diversification, and the “master plan” can help you grow and protect your retirement—without relying on Wall Street’s roller coaster. Discover why rebalancing, tax strategies, and guaranteed income m...
On this week's episode:
- What if the real key to retirement isn’t just saving, but building a flexible plan that adapts to every twist—taxes, market swings, and even healthcare surprises?
- Discover why “the master plan” goes beyond investments, covering income, tax strategies, and long-term care.
- Learn how to avoid common RMD mistakes and why relying on minimum withdrawals could leave money on the table.
- ...
What if the secret to a fulfilling retirement isn’t quitting, but redefining what work means to you? This episode explores why working longer can boost both your financial security and your well-being, and how part-time jobs or new pursuits can keep you sharp. Joe Yocavitch shares real stories and expert insights on balancing health, happiness, and income, while navigating tough decisions like RMDs and pension planning. Disco...
On this week's episode:
- Are you letting headlines steer your financial future? Discover why that’s a risky move.
- Learn how a disciplined, math-driven strategy can help you avoid emotional investing.
- Explore the “master plan” approach to retirement: income, growth, and tax strategies for lasting security.
- Find out why RMDs, Social Security timing, and annuities matter more than you think.
- Hear real stories abo...
Is your retirement plan designed to deliver both security and those “lobster moments” you’ve dreamed about? This episode of The Heart of Your Money with Joe Yocavitch explores how income streams, principal protection, and annuities can help you enjoy life while safeguarding your future. Learn why a master plan matters, how to avoid costly market setbacks, and why getting both spouses on the same page is crucial fo...
On this week's episode:
- Are you planning for retirement with just a pile of investments—or a strategy that delivers income and peace of mind? This episode of The Heart of Your Money with Joe Yocavitch reveals how to create multiple income streams, protect your assets, and avoid costly market setbacks.
- Learn why a master plan matters for long-term care, legacy, and minimizing taxes.
- Discover how annuities, principal prote...
Are you at risk of fumbling your retirement just before the end zone? This episode of The Heart of Your Money with Joe Yocavitch explores how unforced errors—like missing key deadlines, ignoring tax strategies, or failing to plan for longevity—can derail your financial future. Learn why the five years before and after retirement are critical, how to avoid costly mistakes, and why a second opinion on your plan could make...
On this week's episode:
- Are you at risk of fumbling your retirement just before the end zone? This episode of The Heart of Your Money with Joe Yocavitch reveals how unforced errors—like missing key deadlines, ignoring tax strategies, or failing to plan for longevity—can derail your financial future. [the-heart-...0225-60min]
- Learn why the five years before and after retirement are critical for avoiding costly mista...
Is your retirement plan built on headlines and hope—or on real fundamentals that protect your future? This episode of The Heart of Your Money with Joe Yocavitch dives into the dangers of chasing past performance, the importance of customized strategies, and why market volatility demands proactive planning. Learn how to avoid emotional investing, balance growth with guaranteed income, and build a comprehensive plan that adapts...
On this week's episode:
- Is your retirement plan built for the long haul—or cluttered with outdated strategies and hidden risks? This episode of The Heart of Your Money with Joe Yocovitch tackles the essentials for lasting financial wellness. [the-heart-...2625-60min]
- Learn why paying your future self first, paring down portfolio clutter, and avoiding the trap of past performance are key.
- Discover how to protect against r...
Are hidden “financial cavities” lurking in your retirement plan? This episode of The Heart of Your Money with Joe Yocavitch explores why regular financial checkups are as crucial as dental visits. Learn how market volatility, principal protection, and guaranteed income strategies can help defend your future. Discover the power of asking tough questions, leveraging technology for ongoing reviews, and building a plan that...
On this week's episode:
- Are hidden risks lurking in your retirement plan—just like cavities at the dentist? This episode of The Heart of Your Money with Joe Yacovitch reveals why regular financial checkups are essential.
- Learn how Fed rate cuts impact annuities, CDs, and income strategies.
- Discover why written goals, milestone reviews, and personalized planning matter more than chasing returns.
- Explore the dangers ...
What does it really take to turn your savings into a steady retirement paycheck—and how do you avoid costly mistakes along the way? This episode of The Heart of Your Money with Joe Yocavitch explores the emotional and financial challenges of leaving the nine-to-five, why predictable income streams matter, and how hobbies and lifestyle choices impact your spending. Learn why diversification, transparency, and regular reviews a...
On this week's episode:
- Are you letting cash sit on the sidelines while inflation erodes its value? This episode tackles why “lazy money” and outdated strategies can sabotage your retirement.
- Learn the signs your financial advisor should be on the hot seat—and why proactive communication matters.
- Discover how taxes, inflation, and sequence of returns can dramatically impact your nest egg.
- Explore the pitfalls...
What happens when the market takes a dive—and is your retirement plan ready for it? This episode of The Heart of Your Money with Joe Yocavitch tackles the realities of market corrections, the pitfalls of trying to time your investments, and why classic strategies like the 60/40 split may be outdated. Learn how diversification, guaranteed income products, and smart tax moves can help your nest egg. Discover why where your weal...
On this week's episode:
- Think retirement takes a miracle? This episode shows how a clear plan can replace anxiety with confidence.
- Joe Yocavitch discusses why written, regularly reviewed strategies matter more than luck.
- Learn the difference between “paycheck” and “playcheck” income—and why both are essential.
- Explore the benefits and pitfalls of rolling over a 401k into an IRA.
- Discover why diver...
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