{"id":531,"date":"2019-05-09T14:20:35","date_gmt":"2019-05-09T18:20:35","guid":{"rendered":"http:\/\/box5647.temp.domains\/~theweay5\/?page_id=531"},"modified":"2024-08-13T16:18:19","modified_gmt":"2024-08-13T20:18:19","slug":"video-library","status":"publish","type":"page","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/video-library\/","title":{"rendered":"Video Library"},"content":{"rendered":"

The Vault with The Wealth Guardians<\/h2>\n<\/div>

The Vault with the Wealth Guardians is a video series that takes a deep dive into all things retirement planning. Videos from the series can be played below.<\/p>\n<\/div>

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Does filing for Social Security at age 67, or your full retirement age, really move the needle versus filing at age 70? On this episode of The Vault with The Wealth Guardians, financial planners Garrett Ray and Brice Payne break down the differences. The end results may surprise you! #retirement #northcarolina #winstonsalemnc #greensboronc #clemmon read more<\/a><\/div>
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The Financial Difference of Filing for Social Security at Age 67 vs 70<\/div><\/div><\/div>
Do you know about the seven changes the government has made to Social Security for 2024? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss increases to cost-of-living adjustment (COLA), the taxable maximum, maximum benefits you can expect, Medicare premiums, the financial health of Social Security, states that read more<\/a><\/div>
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7 Important Social Security Changes for 2024<\/div><\/div><\/div>
What are some of the legitimate reasons to file for Social Security as early as you can? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne cover different Social Security filing options, why you may want to wait, the five reasons you may consider filing earlier rather than later, and a few things to be aware of before read more<\/a><\/div>
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Five Reasons to File for Social Security Earlier Than Later<\/div><\/div><\/div>
Recent tax legislation has provided some relief for seniors as it pertains to taxes on Social Security. Are you one of those seniors? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne review who\u2019s eligible for this relief, what the thresholds are, and what the $6,000 senior deduction is all about. #socialsecurity #t read more<\/a><\/div>
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Do You Qualify for the $6K Senior Social Security Deduction?<\/div><\/div><\/div>
Can you file for Social Security while you're still working? On this episode of The Vault with The Wealth Guardians, financial planners Brice Payne and Garrett Ray discuss the earnings test and what happens the the withholdings Social Security takes while still working._____________________The information provided is for educational purposes on read more<\/a><\/div>
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Filing for Social Security While Still Working - The Earnings Test<\/div><\/div><\/div>
So what is HR4583 and should you be concerned or worried? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss what the seven proposed changes to Social Security might include and how they would impact you. #socialsecurity #retirement #clemmonsnc #greensboronc #winstonsalemnc _____________________Investment Advis read more<\/a><\/div>
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7 Huge Social Security Changes That Are on the Table for 2024<\/div><\/div><\/div>
Does Uncle Sam say you can't contribute to a Roth account because your earned income is too high? Do you want to know the loophole around that? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne discuss backdoor Roth contributions. #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc __________________ read more<\/a><\/div>
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Backdoor Roth Contribution Loophole Explained<\/div><\/div><\/div>
Do you know the four changes to Social Security in 2025 that have just been implemented? On this episode of The Vault with The Wealth Guardians, Garrett Ray reviews and provides insight. #socialsecurity #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc _____________________Investment Advisory Services offered through Alphastar Capital read more<\/a><\/div>
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Four Social Security Changes for 2025 You Need to Know About<\/div><\/div><\/div>
Having a solid estate plan is a critical step in planning for your retirement. On this episode of The Vault with The Wealth Guardians, Garrett Ray visits with Certified Elder Law and Estate Planning Attorney Dennis Toman to talk about the importance of estate planning. #estateplanning #elderlaw #retirement #clemmonsnc #greensboronc #winstonsalemnc read more<\/a><\/div>
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Elder Law and Estate Planning with Dennis Toman<\/div><\/div><\/div>
On this episode of The Vault with The Wealth Guardians, Brice Payne is joined by special guest Alicia Barnette to discuss the five things you should know about asset based long term care (LTC). #LongTermCare _____________________The information provided is for educational purposes only and are not intended as investment advice for any individual or read more<\/a><\/div>
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5 Things You Should Know About Asset Based Long Term Care<\/div><\/div><\/div>
Is your Social Security check being taxed? Why and more importantly, can you stop it? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray dive deeper into this issue to provide clarity. #SocialSecurity #Retirement_____________________The information provided is for educational purposes only and are not intended as in read more<\/a><\/div>
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Is Your Social Security Check Being Taxed? Why and How to Stop It<\/div><\/div><\/div>
What is the market-linked CD we've been hearing about? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne talk about the characteristics of a regular CD, the similarity and differences of a market-linked CD (also known as an equity-linked CD or indexed CD), and who they may or may not be appropriate for. #retire read more<\/a><\/div>
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Defining Market-Linked CDs: Are They Right for You?<\/div><\/div><\/div>
Do you need a million dollars to retire? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne debunk the common million dollar myth. #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc _____________________Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Invest read more<\/a><\/div>
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Debunking the $1 Million Retirement Myth<\/div><\/div><\/div>
Why would you consider filing for your Social Security benefits at age 62, the earliest possible time? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss Social Security filing options and why age 62, in some cases, might make more sense instead of filing later on. #SocialSecurity #Retirement #clemmonsnc #green read more<\/a><\/div>
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Filing For Social Security at 62: Why It May Make Sense For You<\/div><\/div><\/div>
Do you know what the rule of 55 is and how it can help you in retirement? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray talk about what the rule of 55 is and how it can be used to avoid early IRS distribution penalties._____________________Investment Advisory Services offered through Alphastar Capital Managemen read more<\/a><\/div>
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The Rule of 55: What It Is and How It Can Help You in Retirement<\/div><\/div><\/div>
What are Master Limited Partnerships (MLP) and is an MLP right inside your investment portfolio? On this episode of The Vault with The Wealth Guardians, Garrett Ray discusses what MLP's are, how they make money, how they're taxed, what Schedule K1 forms are, and how you're taxed on dividends when you receive them._____________________In read more<\/a><\/div>
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Master Limited Partnerships: Are They Right for You?<\/div><\/div><\/div>
Are you receiving or about to receive your Social Security benefits and have no idea how that income may be taxed? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne tackle the following: paycheck contributions, adjusted gross income vs provisional income (aka combined income), earnings tax brackets, and the earnings t read more<\/a><\/div>
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How Your Social Security Benefits are Taxed<\/div><\/div><\/div>
Are you considering filing for Social Security benefits? Then you may or may not have heard about the Social Security Earnings Test. What's it all about? In this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray break this important topic down._____________________The information provided is for educational purposes on read more<\/a><\/div>
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Social Security Earnings Test: What Is It and Why It Matters to You<\/div><\/div><\/div>
Do you know how your Required Minimum Distribution (RMD) is calculated every year? On this episode of The Vault with The Wealth Guardians, Garrett Ray and Brice Payne use the Universal Lifetime and Joint Life Expectancy Tables from the IRS to provide you with those answers. #RMDs #retirement #clemmonsnc #greensboronc #winstonsalemnc #triadnc ______ read more<\/a><\/div>
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RMD Annual Calculations: Check Out These Charts<\/div><\/div><\/div>
What is an RICP and should you get one? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss what the designation stands for, what the educational requirements are, where the course can be found, whether all financial advisors should get one, and whether you get a good education out of the course. #retirement #cl read more<\/a><\/div>
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What is an RICP and Why Does it Matter?<\/div><\/div><\/div>
What's the difference between a lump sum pension and an income pension? Which should you choose? On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne dive deeper to provide you with more insight._____________________The information provided is for educational purposes only and are not intended as investment advice fo read more<\/a><\/div>
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Lump Sum vs Income Pension: Which Should You Choose?<\/div><\/div><\/div>
What is sequence of return risk and why does it matter? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray break down everything you need to know._____________________The information provided is for educational purposes only and are not intended as investment advice for any individual or entity. All information co read more<\/a><\/div>
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Sequence of Return Risk: Why It Matters<\/div><\/div><\/div>
What things should you consider for you and your family when calculating a budget in retirement? On this episode of The Vault with The Wealth Guardians, Brice Payne and Garrett Ray talk about forecasting a budget in retirement, monthly routine expenses, debt, future expenses, planning for inflation, and considering what happens when a spouse passes read more<\/a><\/div>
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How to Plan a Budget in Retirement<\/div><\/div><\/div>
What is the best piece of financial advice you've received? On this episode of The Vault with The Wealth Guardians, financial professionals Doug Ray and Garrett Ray share with you some of their favorites. #Retirement _____________________The information provided is for educational purposes only and are not intended as investment advice for any read more<\/a><\/div>
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The Best Financial Advice You Can Receive<\/div><\/div><\/div>
On this episode of The Vault with The Wealth Guardians, Doug Ray and Brice Payne discuss nine types of investment risks that you should be aware of and watch out for._____________________The information provided is for educational purposes only and are not intended as investment advice for any individual or entity. All information contained herei read more<\/a><\/div>
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9 Types of Investment Risk<\/div><\/div><\/div><\/div><\/div>
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The Wealth Guardians Radio Show<\/h2>\n<\/div>

Tune in as Doug, Brice, and Garrett share their thoughts on the economy and overall financial landscape and how it relates to planning for your secure and enjoyable life in retirement. Catch our latest show below or listen live on Saturday at 9:30AM on WPTI 94.5FM or on Sunday at 8:30AM on WTOB 96.7FM in the Triad.<\/p>\n<\/div>

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This video is private.<\/div>
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In this week\u2019s episode, Brice and Garrett cover two timely retirement planning topics.First, they discuss a proposal in Congress that would cap Social Security benefits at $50,000 for individuals and $100,000 for couples. What could a change like this mean for retirees, near-retirees, and those still building their retirement income plan?Then, th read more<\/a><\/div>
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June 13, 2026 - Social Security Caps and Smarter Annual Reviews<\/div><\/div><\/div>
What do phrases like \u201cbuy low and sell high\u201d or \u201cbull run\u201d actually mean for everyday investors?In this episode of The Wealth Guardians Radio Show, Doug and Brice break down common financial sayings, market terminology, and industry jargon that are often used but not always clearly understood. They explain what these familiar phrases mean, read more<\/a><\/div>
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July 18, 2026 - Financial Lingo Explained: What Common Market Sayings Really Mean<\/div><\/div><\/div>
Are you within a few years of retirement and wondering what needs to happen before you make the leap? In this episode, Brice Payne hosts a conversation about how to approach the retirement countdown with more clarity and confidence. From income planning and Social Security timing to investment positioning, taxes, healthcare, and lifestyle goals, Br read more<\/a><\/div>
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July 11, 2026 - Countdown Clarity: Timing Your Retirement Prep<\/div><\/div><\/div>
Do you know what the major market indices are actually measuring?In this episode, the guys break down six of the most popular and widely tracked market indices, including what each index follows, the types and sizes of companies represented, and why investors should understand the differences between them.From broad market benchmarks to more specif read more<\/a><\/div>
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June 20, 2026 - What the Major Market Indices Tell Investors<\/div><\/div><\/div>
On this episode of The Wealth Guardians with Doug Ray and Brice Payne answer listener-submitted questions about retirement, financial planning, and the decisions that can shape your long-term financial confidence.From common retirement concerns to questions about planning strategy, Doug and Brice offer practical perspective designed to help listene read more<\/a><\/div>
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June 06, 2026 - Answering Listener Submitted Questions<\/div><\/div><\/div>
On this episode of The Wealth Guardians with Doug Ray, Brice Payne and Garrett Ray discuss a challenge some retirees face when they have more income coming in each month than they actually spend.While that may sound like a good problem to have, many retirees still struggle with the mindset shift from saving and preserving to confidently using the m read more<\/a><\/div>
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May 30, 2026 - Why Spending In Retirement Is Harder Than It Sounds<\/div><\/div><\/div>
On this episode of The Wealth Guardians with Doug Ray, Garrett Ray and Brice Payne answer listener-submitted questions about retirement, financial planning, and the decisions that can shape your long-term financial confidence.From common retirement concerns to questions about planning strategy, Garrett and Brice offer practical perspective designed read more<\/a><\/div>
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May 16, 2026 - Answering Listener Submitted Questions<\/div><\/div><\/div>
Retirement planning is rarely black and white. In this episode of The Wealth Guardians with Doug Ray, Doug and Brice Payne discuss the gray areas that actually matter most when making financial decisions for retirement.From income planning and tax strategy to Social Security timing, investment decisions, and long-term flexibility, many of the most read more<\/a><\/div>
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April 25, 2026 - Retirement Planning Is Not Black and White: The Gray Areas Matter Most<\/div><\/div><\/div>
Are you close to retirement and wondering how to make smarter financial decisions now?In this two-segment radio show, Doug and Brice discuss two important topics for soon-to-be retirees. In Segment 1, they explain why creating a detailed retirement budget is such a critical part of the planning process. After all, it is difficult to build a complet read more<\/a><\/div>
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April 18, 2026 - Budgeting and 401(k) Choices Before Retirement<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss ten retirement myths that too many people believe.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC\u2019s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM._____ read more<\/a><\/div>
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April 11, 2026 - 10 Retirement Myths Too Many People Believe<\/div><\/div><\/div>
Retirement brings with it lots of potentially confusing decisions. And a mistake you don't want to make involves your taxes. Check out this past weekend's show where Garrett and Brice discuss the top mistakes new retirees make when it pertains to taxes. #Taxes #retirement #clemmonsnc #greensboronc #winstonsalemnc #charlottenc #triadnc______ read more<\/a><\/div>
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March 21, 2026 - Common Tax Mistakes New Retirees Make<\/div><\/div><\/div>
On this episode of The Wealth Guardians with Doug Ray, Doug and Brice discuss ten of the most misleading things in finance and how to avoid falling victim to the 'shiny object syndrome'. _____________________Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration read more<\/a><\/div>
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March 14, 2026 - 10 Most Misleading Things in Finance: Avoiding the Shiny Object Syndrome <\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC\u2019s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM._________ read more<\/a><\/div>
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March 07, 2026 - Answering Listener Questions<\/div><\/div><\/div>
On this edition of The Wealth Guardians with Doug Ray, Garrett Ray and Brice Payne discuss several common questions they receive from retirees as they start planning for retirement. Oftentimes those questions are overly simplistic and\/or poorly phrased. The guys re-frame common questions so that they can address major concerns of retirees in a more read more<\/a><\/div>
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February 28, 2026 - How Better Questions Lead to Better Retirement Plans<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss whether you need more than one financial advisor for your family. #retirement #retirementplanning #financialplanning #clemmonsnc #greensboronc #winstonsalemnc #charlottenc #triadnc _____________________Investment advisory services offered through Alphastar Capit read more<\/a><\/div>
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February 21, 2026 - Do You Need More Than One Financial Advisor?<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss whether your personal feelings belong in your financial planning. #retirement #financialplanning #clemmonsnc #greensboronc #winstonsalemnc #charlottenc #triadnc _____________________Investment advisory services offered through Alphastar Capital Management, LLC, read more<\/a><\/div>
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February 14, 2026 - Do Your Feelings Belong In Your Financial Plan?<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC\u2019s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM._________ read more<\/a><\/div>
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February 07, 2026 - Answering Listener Submitted Questions<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss six stupid questions you're afraid to ask your financial advisor that aren't stupid at all. #retirement #clemmonsnc #greensboronc #winstonsalemnc #charlottenc #triadnc _____________________Investment advisory services offered through Alphastar Capital Ma read more<\/a><\/div>
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January 24, 2026 - 6 Questions You\u2019re Afraid to Ask Your Financial Advisor (But Should)<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne talk about the top five things you should do in your first year of retirement.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC\u2019s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's W read more<\/a><\/div>
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January 17, 2026 - 5 Things You Should Do In Year One of Your Retirement<\/div><\/div><\/div>
On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions.The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC\u2019s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM._________ read more<\/a><\/div>
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January 10, 2026 - Answering Listener Submitted Questions<\/div><\/div><\/div>
Forget the financial advice or talk of being a fiduciary. Let's take a break and talk all things Christmas! On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne dive into Christmas trivia! #retirement #clemmonsnc #greensboronc #winstonsalemnc #charlottenc #triadnc _____________________Investment advisory services offered read more<\/a><\/div>
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December 20, 2025 - The Christmas Trivia Show<\/div><\/div><\/div>