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How Money Works

84 EpisodesProduced by Craig MoserWebsite

Husband and wife team, Craig and Jennifer Moser of Maestro Wealth Advisors discuss crucial tips for planning your successful retirement. Listen for valuable insight from professionals with unique insight and perspective on How Money Works.If you need any help with your financial or retirement plan, … read more

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All About Annuities

September 21st, 2023


Are you considering incorporating annuities into your financial planning but find them too complex to comprehend? You're not alone. Annuities are often misunderstood, and this lack of understanding can deter people …

Obvious Financial Moves That Aren’t Always So Obvious

August 24th, 2023


All the statements we’re going to talk about on the show today are all commonsense items that pretty much no one would disagree with on the …

Investing By Profession

August 17th, 2023


What we want to do today is think about the clients we work with, the styles of people that we see, and determine if there are any investing similarities between people in the same industry. 

The mindset and the …

Taking A Look At Retirement Statistics

August 3rd, 2023


Today we’re talking about retirement statistics. For example, did you know that 56% of Americans lose sleep when they think about retirement? That’s no way to live your life. That’s why we’re here to help you plan.


Is Your Plan Facing Imminent Disaster?

July 20th, 2023


Let’s talk about some of the areas of your financial life where disaster might be right around the corner. 

Too many people are walking around with no documents, or documents that are in desperate need of an update. …

Evaluating Long-Term Care Options

July 6th, 2023


On the list of dozens of retirement-related concerns, how high on the list does the potential need for long-term care rank for you? If you live long enough, chances are you will need extra medical help, and those …

Financial Laws To Guide Your Planning

June 15th, 2023


Just like the law of gravity in physics, there are financial laws that we need to consider. We’ll share several important ones today, including the laws of behemoths, rising taxes, market movement and expectations. Do …

Things to Consider with Your 401(k)

June 1st, 2023


For many people, a 401(k) is their most powerful retirement savings vehicle. That’s because they’re able to contribute so much to it and their …

Ep 77: Grading Your Financial Competency

May 18th, 2023


When was the last time you took a test? It’s probably been a while, right? On today’s show, we’ll invite you to grade your own financial competency by seeing how many of these questions you can answer confidently. …

Ep 76: Building Your Financial House

May 4th, 2023


For some people, the idea of putting together a financial plan doesn’t sound like much fun. But the idea of building a home sounds like a lot of fun. Much like a home needs a strong foundation, walls, and roof to …

Ep 75: Don’t Get Lost in Retirement Planning

April 20th, 2023


Getting lost while driving your car or hiking in the woods is kind of like getting lost in retirement planning. The good news is there are ways to get back on track financially, and we are here to help you do that. In …

Ep 74: Hindsight Is 20/20 in Financial Planning

April 6th, 2023


It’s easy to look back in hindsight and say “Knowing what we know now…” but unfortunately, we can’t predict the future. And since we can’t, the next best thing is to learn from others’ experiences. Today we’ll share …

Ep 73: Spring Cleaning Your Finances

March 16th, 2023


For some people, it’s time for spring cleaning, and that often means diving into a cluttered closet and getting it cleaned out and organized. Today we’ll share what principles we can take from a closet clean out that …

Ep 72: Financial Wisdom From Yogi Berra

March 2nd, 2023


Yogi Berra was a sports icon and one of the most quotable people to ever live. And when we look at some of his quotes through the right prism, they can teach us some lessons about financial planning.


Yogi loved …

Ep 71: Why Is The Market So Volatile?

February 16th, 2023


During the height of the pandemic, the stock market did really well. Now that the pandemic has slowed down, the stock market is struggling. That doesn’t make sense and confuses a lot of people. 


On today’s show, …

Ep 70: Things You Think You Know (But Probably Don’t)

February 2nd, 2023


When it comes to financial planning, it’s OK to admit that you don’t know the answer to something. The real danger is thinking you know the answer to something when you actually have it all wrong.

Today we’re discussing …

Ep 69: Financial Truths in Planning

January 19th, 2023


Today we’re sharing some financial truths that we can state with confidence. For example, did you know that the market moves in cycles? Or how about …

Ep 68: The Desire To Retire

January 5th, 2023


Different people have different levels of desire when it comes to finding their retirement date. Today we’re exploring these different levels of desire.

Which of these statements below sounds most like you and your …

Ep 67: Retirement on the Gridiron

December 15th, 2022


Today’s show combines two fun topics – finances and football. Believe it or not, planning for your financial future has some similarities to the sport of football.

In retirement planning, some people try to be …

Ep 66: Overrated Concepts in the Financial World

December 1st, 2022


Many things in the financial world are critical to your future financial success. But not everything is all it’s cracked up to be.

On this episode, …

Ep 65: Social Security Myths

November 17th, 2022


How much do you know about Social Security? You might think you know a lot about this topic, but there are a lot of myths out there to be aware of.

On today’s show, we’re sharing three big Social Security myths you need …

Ep 64: Key Characteristics of a Good Financial Advisor

November 3rd, 2022


Today we’re chatting about the characteristics of financial advisors. Everyone has different personalities, but what should you look for in an …

Ep 63: How to Handle a Stinky Stock Market

October 20th, 2022


At times like these when the market is volatile, and trending down, it’s inevitable that we get a lot of questions about it. As we tell people, the …

Ep 62: Take Out the Trash in Your Financial Life

October 6th, 2022


Sometimes you just need to go through your financial life and take out the trash. Today we’re talking about the things that might need to be thrown out.

From debt to hidden fees, we’ll explain how some financial trash …

Ep 61: Mailbag: Mortgages, Charities and Retirement Goals

September 15th, 2022


We're taking your questions by email this week to see what’s on your mind and how we can help with your finances.


What we discuss on this episode: 

Ep 60: Annuities 101

September 1st, 2022


There’s a lot of confusion out there about annuities, probably because there are different types that do different things. We’ll explain how they work and how they might be used in your financial plan.


What we discuss …

Ep 59: A Message To Good Savers

August 18th, 2022


So you’ve done a good job saving and investing over the years. You’ve lived on less than you’ve earned, kept yourself out of debt, and your investments have done pretty well. That means everything will be simple for you …

Ep 58: The Final Decade Before Retirement

August 4th, 2022


If you’re about a decade away from retirement, there are some important steps you need to take now to get ready. We’ll share some top tips for being prepared for stepping away from work.


What we discuss on this …

Ep 57: Retirement Planning is Harder Than it Looks

July 21st, 2022


As advisors, we are constantly immersed in retirement planning. But for the average person, retirement planning can be a lot harder than it looks. Today, we’ll break down whether Social Security, risk, diversification, …

Ep 56: Retirement Planning For Business Owners

July 7th, 2022


Business owners are particularly vulnerable to some misconceptions and false assumptions about their retirement. Today we’ll address a few of these …

Ep 55: What is Your Risk Tolerance Level?

June 16th, 2022


Are you someone who doesn’t mind riding the rollercoaster of investment ups and downs? If so, you are more of a risk-taker. But not everyone is. …

Ep 54: Financial Proverbs That Can Help You

June 2nd, 2022


We made a list of some financial proverbs that we thought might be able to help you in your financial situation. Find out what you can glean from these wise words.


What we discuss on this episode: 

0:31 – Bird in the …

Ep 53: DIY Financial Planning

May 19th, 2022


People love do-it-yourself projects. There’s even a DIY Network where you can watch shows about home renovation, landscaping, or interior design and how to do those things without professional help. Today we're talking …

Ep 52: Things You Don’t Consider for Retirement

May 5th, 2022


When planning your retirement, there are some key details you need to consider. For instance, will you need to support your parents or kids later on? We’ll explore this and other questions on today’s show.


What we …

Ep 51: Style vs. Substance in the Financial World

April 21st, 2022


On today’s show we’re talking about some of the stylish things in the financial world that can distract you from the substance that you should really …

Ep 50: Are You Asking the Wrong Questions About Your Finances?

April 7th, 2022


A lot of people have questions about their retirement plan, but you might be asking the wrong questions. We’ll share some common wrong questions and what better questions might be.


What we discuss in this episode: 

Ep 49: What it’s Like to Be Our Client

March 17th, 2022


Today we’re focusing on what it’s like to be our client. We’ll explain how the relationship between a client and financial advisor evolves and how …

Ep 48: Do You Want to Retire Early?

March 3rd, 2022


Sometimes we have clients who want to retire early. But how much earlier do they mean, and is this a realistic goal? We’ll share some challenges they face and how to know if early retirement is for you.


What we …

Ep 47: CPA Shares Business Advice, Mistakes to Avoid

February 17th, 2022


If you are a seasoned business owner, today’s episode is for you. Jimmy Eggers, a partner at Smith Leonard Accountants and Consultants in High Point, …

Ep 46: Answering Your 401k FAQs

February 3rd, 2022


We get a lot of questions about 401Ks, so we thought it would be a good idea to address as many of them as we can. See if your 401k question is …

Ep 45: Financial Planning Tips for Couples

January 20th, 2022


What do married couples tend to disagree about when it comes to money? What financial matters do they often fail to communicate about? We’ll share some of the primary things that need to be discussed and decided between …

Ep 44: The First Steps in a Financial Plan

January 6th, 2022


For some folks, the idea of putting together a financial plan can be overwhelming. But it’s less threatening if you just focus on the first step. …

Ep 43: How Do You Know?

December 16th, 2021


How much money will you need in retirement? Do you still need life insurance? How much risk should you take? We’ll help answer these questions and …

Ep 42: Questions People Ask Financial Advisors

December 2nd, 2021


Before meeting with an advisor for the first time, people often Google “questions to ask a financial advisor” and come in with a list of questions that they find. Are these good questions? Is there anything different …

Ep 41: Watch Out for These Financial Half-Truths

November 18th, 2021


We hear a lot of half-truths in the financial world, not necessarily because people try to make misleading statements, but because sometimes a simple …

Ep 40: How Delayed Gratification Can Help Your Finances

November 4th, 2021


Delayed gratification is a difficult skill to master and that’s just as true with financial matters as it is in the other areas of your life. Let’s …

Ep 39: Insightful Quotes from Great Investors

October 21st, 2021


There are some insightful quotes out there from great investors and financial authors. Let’s find out how they might apply to your financial …

Ep 38: Income Planning Essentials You Need to Know

October 7th, 2021


Before you head off into retirement, make sure you’re well versed in these retirement income planning essentials. We’ll explain what they are and why you need to know about them.


Read more and get additional financial …

Ep 37: What You Need to Know About RMDs

September 16th, 2021


We get a lot of questions about RMDs, or required minimum distributions. Some people don’t know anything about them, while others have misconceptions about how they work. Today, we’ll explain what you need to know.    


Ep 36: Watch Out For These Financial Advisor Red Flags

September 2nd, 2021


Let’s talk about some of the red flags that people can look out for when they’re shopping for a financial advisor. Have you ever met with one of these types?


Read more and get additional financial resources here:

Ep 35: Most Common Retirement Mistakes

August 19th, 2021


Today we’re sharing five of the most common retirement mistakes. Find out what they are and how you can avoid them.


Read more and get additional financial resources here:

Ep 34: Universal Truths of Retirement Planning

August 5th, 2021


No matter how much money you make, where you live or when you’re retiring, there are some universal truths that apply to everyone’s finances. Find out what they are.


Read more and get additional financial resources …

Ep 33: How SECURE Act 2.0 Could Affect You

July 15th, 2021


SECURE Act 2.0, son of the SECURE Act, has come out and we'll explain what has changed and how it could affect you.


Read more and get additional …

Ep 32: Social Security Myth Busting

July 1st, 2021


On this episode of How Money Works, Craig and Jennifer Moser explain some of the common myths around Social Security and how to educate yourself on this crucial topic.


Read more and get additional financial resources …

Ep 31: Classic Retirement Planning Mistakes

June 17th, 2021


On this episode of How Money Works, Craig and Jennifer Moser explain some of the common retirement mistakes people make and how you can avoid them.


Read more and get additional financial resources here:

Ep 30: The Retirement Marathon

June 3rd, 2021


On this episode of How Money Works, Craig and Jennifer Moser explain how getting through retirement can be a lot like running a marathon.


Read more and get additional financial resources here:

Ep 29: Reasons to Get Life Insurance

May 20th, 2021


People often have questions about life insurance. It’s not a sexy topic, but it is an important one. We’ll explain why.


Read more and get additional financial resources here:

Ep 28: How Retirement Planning is Like Baseball

May 6th, 2021


On this episode of How Money Works, Craig and Jennifer Moser share what you can learn about retirement planning from the game of baseball.


Read more and get additional financial resources here:

Ep 27: Get to Know Financial Acronym Salad

April 15th, 2021


The financial world is full of acronyms that get thrown around for convenience, but the average person doesn’t necessarily know what they all mean. …

Ep 26: Should You Listen To Dave Ramsey's Advice?

April 1st, 2021


Let’s talk about financial guru Dave Ramsey. He has a huge empire and millions of people listen to him each day, but do we agree with his financial principles? Find out in today’s podcast.


Read more and get additional …

Ep 25: The Jigsaw Puzzle of Retirement

March 18th, 2021


To successfully complete a jigsaw puzzle, there are some strategies you’ll want to keep in mind, and many of those same strategies apply to …

Ep 24: Do You Know This Financial Jargon?

March 4th, 2021


Every industry has its own jargon, and financial planning is no different. Today, we’re explaining some common financial jargon and what it means.


Read more and get additional financial resources here:

Ep 23: Are You in the Financial Red Zone?

February 18th, 2021


On today’s episode of How Money Works, we’ll discuss the financial red zone. What is it, and what should you do if you fall in this category?


Read …

Ep 22: Clients’ Toughest, Most Unanswerable Questions

February 4th, 2021


On today’s episode of How Money Works, we’re sharing some of the toughest, most unanswerable questions we get in the financial business. From healthcare to the stock market to taxes, we'll cover some important planning …

Ep 21: How to Prepare Financially For 2021

January 21st, 2021


On today’s episode of How Money Works, Craig and Jennifer Moser share some financial tips for 2021 and how to prepare for the year ahead.  


Read more and get additional financial resources here:

Ep 20: How Late Bloomers Can Save More Money

December 30th, 2020


When people come into our office and say they’re not ready for retirement and haven’t saved enough, here’s how we counsel them. On today’s episode of How Money Works, Craig and Jennifer Moser talk about late bloomers …

Ep 19: Living the Dream in Retirement

December 17th, 2020


What does “living the dream” in retirement mean to you? You can’t live it unless you know what it looks like.


Read more and get additional financial resources here:

Ep 18: Beware of These 5 Income Gaps

December 3rd, 2020


Let’s talk about income gaps in retirement. There are probably more gaps than you realize. On this episode of How Money Works, we’ll explain what they are and why you need to know about them.  


Read more and get …

Ep 17: Getting Couples on the Same Financial Page

November 19th, 2020


Are you and your spouse on the same page when it comes to finances and retirement planning? On today’s episode of How Money Works, Craig and Jennifer Moser explain why it’s so important.


Read more and get additional …

Ep 16: Pros and Cons of the 4 Worlds of Money

November 5th, 2020


Do you know the four worlds of money and how they affect you? We break down the pros and cons of each. 


Read more and get additional financial resources here:

Ep 15: What’s Your Spending Personality?

October 15th, 2020


On today’s episode of How Money Works, Craig and Jennifer Moser break down the different personalities of spenders and how those traits could affect …

Ep 14: Financial Planning Personalities by Profession

October 1st, 2020


People in certain professions tend to approach financial planning the same way as their peers. On today’s How Money Works podcast, we look at teachers, doctors, engineers and more.

In our experience, people in certain …

Ep 13: Retirement Fact or Fiction

September 17th, 2020


On today’s episode of How Money Works, let’s have some fun and play retirement fact or fiction. Keep in mind, as with many retirement planning scenarios, the answer is not always clear-cut because it depends on your …

Ep 12: How to Avoid Flirting With Financial Disaster

September 3rd, 2020


On today’s episode of How Money Works, let’s talk about some of the areas of your financial life where you might be flirting with disaster and how you can fix it.


Out-of-date legal documents

It’s not something people …

Ep 11: Estate Planning Advice For Women

August 20th, 2020


Whether you are a single, married, divorced or widowed woman, this episode is for you. This week, our special guest is Lynn Michael, an estate planning attorney who knows what challenges and opportunities women face in …

Ep 10: The Importance of Third-Party Financial Planning

August 6th, 2020


Hiring a third-party financial planner is crucial to helping you plan for retirement and manage your money. Today, we’re breaking down some of the ways a financial advisor can help you.

One of the big financial risks …

Ep 9: Tax Planning with Addison Maille

July 16th, 2020


Business owners and investors have dealt with a difficult 2020 as we reach the midway point and could likely use any advantage they can find.

That’s …

Ep 8: Building a Business with Ken Gwyn of Bulldog Group

July 2nd, 2020


We’re fortunate to live in a community with many great small businesses whose owners are willing to share their experience.

Today we wanted to bring on one of those people to provide some inspiration and help motivate …

Ep 6: What Benjamin Franklin Quotes Teach Us About Financial Planning

June 4th, 2020


Few people have made the lasting impact that Founding Father Benjamin Franklin has. Many of the values he believed in and much of the wisdom he …

Ep 5: How Has COVID-19 Impacted the Triad Real Estate Market?

May 21st, 2020


With the economy starting to open back in many different states, the hope is that we’ll start to see things begin to stabilize and improve for small businesses.

But what can we expect from the real estate market in …

Ep 4: Cleaning Out Your Financial Closet

May 7th, 2020


Think about all the work around the house you’ve been doing since the quarantine started. The house is clean(ish), the yard looks great, and you’ve checked a lot of items off the to-do list.


But what about that one …

Ep 3: Common Retirement Assumptions Could Be Fool’s Gold

April 23rd, 2020


Many people try to take on financial planning without help, but one the issues you run into is making decisions based on assumptions you have about …

Ep 2: Understanding the CARES Act + Social Distancing for Finance

April 9th, 2020


We understand how difficult this time can be for individuals and small business owners. The uncertainty of the coronavirus and what the ultimate …

Ep 1: Financial Considerations to Make After Coronavirus Fallout

March 27th, 2020


As the coronavirus pandemic spreads across the country, it’s getting more and more difficult to find someone not affected by this emotionally or …

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