Mike has both a Bachelor degree in Finance and Risk Management from Sacramento State University. The combination of his academic knowledge and practical business sense from previously being an insurance risk advisor empowers him to present valuable cost-benefit scenarios and lead his clients to sound long-term decisions. His recommendations combined with the array of lending programs he offers will prepare you for great success for all of your Real Estate financing desires.
Additionally, Mike is a professional who prides himself on being approachable, amiable, and above all focused on being a lifelong Banking partner. Whether you are a First time home buyer, Real Estate investor or planning for retirement Mike is eager to discuss your plan and help you with the execution.
He and his wife, Erica, have lived in beautiful San Luis Obispo since 2009, and are a large part of helping their community. They enjoy assisting local Non-profits groups in the area of the Arts and Community Development. When Mike is not discussing the intricacies of Real Estate finance with clients and other esteemed professionals you can find him either camping with his Family up-in-the mountains of California, enjoying great food & wine, attempting to shoot par on a golf course throughout the Central Coast, or walking his 2 Labradoodles in the hills where he lives.
NMLS# 1246224
Mike Poyntz has hosted 50 Episodes.
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Episode 50: Inflation - How it can mess with your retirement plans!
June 2nd, 2021 | Season 3 | 43 mins 10 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike, Matt and guest speaker Jeff discuss how inflation can be the silent killer to your business and retirement portfolio. With all the government stimulus and businesses having to increase wages to attract good talent, the cost of living is increasing. We discuss steps to counterbalance inflation so that it does not have a significant affect in your future.
We also give a sincere good-bye to Mike and introduce Jeff Shulem, CPA as the new co-host to the podcast.
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Episode 49: What is Cryptocurrency, and is it worth owning?
May 19th, 2021 | Season 3 | 46 mins 19 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt bring on a guest that was involved in the beginning creations of cryptocurrency. Michael Noel, Certified Blockchain Professional with Blockchain Consultants. Michael Co-Founded Blockchain Consultants, Inc. in 2016. He has been helping companies in multiple industries adopt Distributed Ledger Technology ever since. This is more of an educational show on how Cryptocurrency really works, and less about why you should hold or not hold some cryptocurrency in your retirement portfolio. Once again, the guys are bringing on more guests from different walks of life to help listeners get more informed decisions about products and investment options out in the World to help you retire smarter.
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Episode 48: Thinking like a Retiree in your 40’s & 50’s – Part 3
May 5th, 2021 | Season 3 | 35 mins 47 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
This is the final episode in our 3 part series that helps listeners focus on simple ways to start thinking like you are a retiree in your 40’s & 50’s, so that you can take advantage of your best asset - TIME. In this episode, Matt has the chance to interview Sylvain Templeman, Executive Vice President and National Sales Manager of The Pacific Financial Group. They go into detail about the concept of turning all, or some, of your 401(k) into a self-directed fund that gives Investors so many options they are not used to taking advantage of with their current Custodian. What is great about this episode is how Sylvain takes the time to explain how he brings so many other retirement options “to the table”; and, he explains how almost everyone with a 401(k) can take advantage of this opportunity. It's important to think of how this style of investing in your 40’s & 50’s can provide with all types of alternatives that keep you involved with your allocation, and diversification options, a good 10-20 years before you have to retire and start wondering what you are going to do at that time to make your money last.
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Episode 47: Thinking like a Retiree in your 40’s & 50’s – Part 2
April 14th, 2021 | Season 3 | 36 mins 5 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode, Mike and Matt lay the groundwork to help you start understanding what the average amount you should have in your retirement accounts when you are in your 30’s, 40’s, and 50’s. In addition to that, Matt helps those revisit or understand for the first time, the concept of maximizing your “free money” with your 401k match with the Employer, then your tax deferred savings, and then caps off the conversation with your tax free savings. He saves the best idea for last when he explains the various ways that an indexed universal life insurance product can give you the opportunity to build more wealth over time with a secure return that you can borrow against tax free, and all while not having to make a repayment since you are your own Bank…it’s pretty cool stuff.
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Episode 46: Thinking like a Retiree in your 40’s & 50’s - Part 1
March 31st, 2021 | Season 3 | 37 mins 32 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
This show begins a 3-part Series where the guys will go into detail on how to habitually prepare for retirement in your 40’s and 50’s, so that you can retire sooner with confidence. The episode starts with Mike and Matt quickly warming up with a discussion about the asset inflation taking place in the U.S. Real Estate Market – in January the Year-over-Year National average price increase for Real Estate was 11.2%, and this was a 15 year high. Additionally, they discussed how the lack of Affordable homes will affect everyone, but truly is affecting the First Time home buyer the most and those that are renting who don’t have the means for a down payment. As they come back from the break, the guys lay out the major “hurdles” and focal points those in their mid-40’s to late 50’s as retirement nears closer and closer, such as: Debt consolidation; optimizing your 401(k) distributions; calculate your net worth; and, have good discussions with those that are Retirees.
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Episode 45: The Value of Preventing Health Care Costs in Retirement - Part 2
March 17th, 2021 | Season 3 | 47 mins 40 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
Follow along as Mike and Matt discuss the many ways to financially plan for the “curve balls” your health will throw at you. There’s a Health Savings Account (HSA) discussion in this episode that will have you rethinking the way that you position your health care dollars that saves you money today, but helps you load up your “piggy bank” before the Medicare Health guidelines eliminate your ability to start-up an HSA. Then, just after the break Matt brings up some really brilliant ways to approach qualifying and paying for Long Term Care insurance, as we wrap-up this 2 part series. Also, don’t forget to watch the guys live on Youtube, as they toast you listeners with their GREEN beer for St. Patrick’s Day.
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Episode 44: The Value of Preventing Health Care Costs in Retirement - Part 1
March 2nd, 2021 | Season 3 | 47 mins 24 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt begin this two part series with the guest appearance of Dr. Ken Ota from his very own O Longevity & Wellness Clinic in Scottsdale, AZ. The guys had him on the show to touch on the true benefits of preventative health care and medicine, as it pertains to those in their mid-life, or approaching retirement age. Also, the 3 of them discuss the philosophy of focus on one’s physical and mental health, in an effort to help listeners refocus on the way they approach their own personal health care. Ultimately, this episode is to promote the true long term value in being healthy so that you can “reap what you have sown” in retirement and enjoy longevity. The second part of this Series will be more financially focused, as the guys discuss the many resources and tools that Matt advises his clients to utilize when paying for Health Care, so please tune-in to that as well.
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Episode 43: A Quick Check in After President’s Day
February 17th, 2021 | Season 3 | 22 mins 24 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt just do a quick “check-in” with listeners following the President’s Day weekend. Mike speaks briefly about the status of the 10-Year U.S. Treasury Note and the importance of this index being above 1.20% currently, and how that has an effect on the mortgage rate markets. While Matt spends a few minutes on setting us up for our March 2-part series that will help listeners prepare for various ways to protect themselves from Health Care risks and expenses in Retirement.
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Episode 42: "What Does a Biden Victory Mean for my Retirement?"
February 2nd, 2021 | Season 3 | 39 mins 28 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch discuss a “White Paper” that Matt Hollander sent out to his clients titled “What does a Biden Victory Mean for Me?” The guys touch on the fact that Political Parties don’t have a direct correlation to the Securities market but the changing of Parties has historically shown volatility in the Markets. Furthermore, the guys touch on some other interesting insights on what Tax proposals are at the top-of-Biden’s list for America, and how to prepare for what the Biden Administration’s focus is over the next 4 years. Additionally, if you’d like to receive this article, please email us at [[email protected]]([email protected]) or give us a call at (866) 53-RETIRE.
We are very proud to announce that we are now recording our Podcast as both a Video & Podcast! You can listen and watch now at the same time!!! Here’s the link to our YouTube channel – Smart Retirement Podcast.
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Episode 41: Qualifying for a Mortgage with Little to No Income
January 19th, 2021 | Season 3 | 34 mins 18 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt kick off the show with the current status of the Gold & Silver Market, as well as what to watch for as the 10 year Treasury Note makes a come back from its drastic decline in 2020. Also, Mike spends a good portion of the Show focusing on the SMART ways to provide Lenders with proof that you can repay a Conventional mortgage without showing much, if any, income. Mike elaborates on the 3 different ways he helps Retirees that have limited traditional income still qualify for a mortgage whether the loan is for the purpose of a refinance or a purchase of Real Estate. The tips that he provides can help you finance a Primary residence, 2nd Home or even an Investment property so this may be just what you’re looking for to help you finance your next deal.
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Episode 40: Things to expect from the Real Estate Market in 2021
January 5th, 2021 | Season 3 | 38 mins 38 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on the forecasts for the U.S. Real Estate market in 2021. The guys discuss points brought up in a 2021 Redfin Real Estate article, as Mike gives his “2 cents” on what happened in many transactions in 2020, as well as what listeners can expect when buying Real Estate in 2021. Matt provides some good insight on his local Market in Phoenix/Scottsdale, AZ region and why Zillow thinks there could very will be double-digit price increases in 2021.
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Episode 39: A Christmas Special – The Christmas Price Index, and what’s the Deal with the Dow?
December 22nd, 2020 | Season 2 | 36 mins 58 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt embarrass themselves with their reading of the 12 Days of Christmas Price Index—it’s a ridiculous way to share some cheer. Also, they make it a point to address the real reasons why the Dow Jones has recovered from it’s low of 18,519, in late March, to over 30,000 today at Christmas. And of course, they “pepper in” their personal opinions of the 2021 forecasts for the Markets.