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 happens when the structure of working life disappears overnight? NFL legend Larry Fitzgerald’s candid take on post-retirement uncertainty sets the stage for a deep dive into how structure, purpose, and planning shape a fulfilling retirement. Joe Yocavitch explores timeless strategies, the emotional side of retirement, and how to avoid costly missteps with IRAs, RMDs, and legacy planning. Whether you're five years from re...
On this week's episode:
- Discover how the “big, beautiful bill” impacts your future income and tax strategy.
- What happens when retirement arrives—but your plan doesn’t?
- Learn why market volatility, taxes, and RMDs can derail your retirement if ignored.
- Plus, how to avoid blind spots and build a playbook that adapts to life’s changes.
Ready to connect with Joe? Click here to get started.
Follo...
What do streaming services and your retirement plan have in common? You might be paying more and getting less. In this episode, Joe Yocavitch breaks down how inflation, taxes, and market volatility can quietly erode your retirement income—and what tools like annuities and catch-up contributions could help balance the equation. From guaranteed income strategies to Secure 2.0 updates, Joe shares insights to help you rethink how...
What does a golf swing have to do with your retirement strategy? In this episode, Joe Yocavitch and his son Michael draw a powerful parallel between mastering your financial future and perfecting your swing—emphasizing that it’s not just about the tools, but how you use them. From managing risk and rebalancing portfolios to planning for longevity, they break down how personalized strategies can make all the difference i...
On this week's episode:
- Feeling like your retirement plan is stuck in the past?
- Joe Yacovitch breaks down why outdated strategies, emotional investing, and tax blind spots could derail your future.
- Learn how to manage risk, rethink Roth conversions, and avoid the “sequence of return” trap.
- Discover why it’s not the product—it’s the plan, and how a personalized “swing” matters more than...
One of the most overlooked and underthought of aspects of retirement is healthcare when you're retired. Joe Yocavitch knows this and has you covered with strategies and things to think about when it comes to your healthcare.
Plus, it might make sense to be a DIYer when it comes to fixing something around the house, but not when it comes to your retirement! Avoid the blind spots that come with trying to tackle it on your own and let...
What if your retirement plan is stuck in the past—and costing you more than you realize? In this episode, Joe Yocavitch of JML Financial Group uncovers outdated financial strategies that could be dragging down your retirement. From forgotten 401(k)s and old insurance policies to missed tax-saving opportunities and underused nest eggs, Joe explains how to modernize your plan and shift from saving to spending with confidence. I...
On this week's episode:
- What if your retirement plan is quietly leaking money—and you don’t even know it?
- Joe Yocavitch of JML Financial Group breaks down how outdated strategies, forgotten 401(k)s, and tax inefficiencies can erode your future.
- Learn how to consolidate accounts, build your own pension, and shift from saving to spending with confidence.
- Discover why many retirees only spend 25% of their nest egg&mda...
What if you could build your own pension in a world where traditional ones are disappearing? In this episode, Joe Yocavitch of JML Financial Group explains how to create guaranteed income streams using modern tools like Roth conversions, life insurance with long-term care benefits, and tax-efficient strategies. Through a 25-year client story, Joe illustrates how layering income and planning for longevity can help protect your retir...
On this week's episode:
- What do hurricanes and retirement have in common? Both can hit hard if you’re not prepared.
- Joe Yocavitch of JML Financial Group shares how to weatherproof your finances.
- Learn how to avoid overpaying taxes, manage old 401(k)s, and build your own pension.
- Hear real stories of clients who turned scattered assets into structured income.
- Discover how proactive planning can help reduce stress and incr...
What happens when retirement isn’t just a financial shift—but a lifestyle transformation? In this episode, Joe Yocavitch of JML Financial Group explores how retirement planning goes beyond numbers, diving into purpose, connection, and coaching. From navigating the emotional transition away from decades-long careers to redefining identity and routine, Joe shares real stories and practical insights that help listeners env...
On this week's episode:
- What if your retirement plan had a blind spot you didn’t see coming?
- Joe Yocavitch of JML Financial Group dives into the risks, strategies, and emotional shifts that come with retirement.
- Topics include Roth conversions, tax traps, annuity risks, and how to avoid costly Medicare surprises.
- Learn how Joe’s “Owner’s Box View” and coaching mindset help clients build confidence...
As folks retire, they have to shift their mindset from saving to actually spending their hard earned money. It can be quite the change in their lifestyles and is easier said than done. But Joe Yocavitch knows what it takes to put together a successful retirement plan, including switching over from putting that money away to getting to enjoy your retirement!
Ready to connect with Joe? Click here to get started.
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On this week's episode:
- Avoiding delays in your retirement and retirement planning
- Picking the right annuities is key
- Are Roth conversions after retiring a realistic strategy?
- Boomers aren't spending their money
Ready to connect with Joe? Click here to get started.
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See omnystudio.com/listener for privacy information.
Timing is key in everything. Joe Yocavitch knows that that is especially true when it comes to Social Security and when to claim it. Instead of guessing or trying to figure it out on your own, let Joe help you! He knows strategies and ideas to think about when it comes to claiming, and everything else retirement related!
Ready to connect with Joe? Click here to get started.
Follow us on social media: Facebook | LinkedIn
See omnystud...
On this week's episode:
- Midyear is a great time to check on your retirement plan
- Deferring money like a Major Leaguer
- "Not so fast" moments Joe Yocavitch has encountered over the years
- Timing is everything with Social Security
Ready to connect with Joe? Click here to get started.
Follow us on social media: Facebook | LinkedIn
See omnystudio.com/listener for privacy information.
Even though tax season has come and gone, it's never not a good time to think about taxes and where they might cause issues in your financial plan. Joe Yocavitch has some strategies that might help you avoid those traps in your retirement plan.
Ready to connect with Joe? Click here to get started.
Follow us on social media: Facebook | LinkedIn
See omnystudio.com/listener for privacy information.
Apparently 53% of retirees don't have this... what is it? Find out on this week's episode with Joe Yocavitch. And let Joe help you make sure you're not part of the 53% and other strategies to better set yourself up for retirement and beyond!
Ready to connect with Joe? Click here to get started.
Follow us on social media: Facebook | LinkedIn
See omnystudio.com/listener for privacy information.
On this week's episode:
- Control your emotions so the market doesn't get the best of you
- 401(k)s converted to Roth IRAs and if you're a candidate
- Americans are more afraid of going broke in retirement than death
- A spending plan is crucial in retirement planning
Ready to connect with Joe? Click here to get started.
Follow us on social media: Facebook | LinkedIn
See omnystudio.com/listener for privacy information.
One of the most overlooked and underthought of aspects of retirement is healthcare when you're retired. Joe Yocavitch knows this and has you covered with strategies and things to think about when it comes to your healthcare.
Plus, it might make sense to be a DIYer when it comes to fixing something around the house, but not when it comes to your retirement! Avoid the blind spots that come with trying to tackle it on your own and let...
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