Podcast Episode 12 – Your Financial Questions Answered

USAA provides portfolio recommendations just using their online tools.

I’m going to go over the various scenarios of the USAA Portfolio Planner, which is their recommendations of USAA mutual funds that clients can incorporate themselves.

I’m also going to review their “managed account” portfolio recommendations.

And finally, we’ll see what the recommendations are in using their Digital Investment Advisor (i.e. “robo-advisor”) service.

In the course of transparency, my family is 4 generations of USAA membership and I was an employee with USAA for nearly 10 years ending early 2017. So, to say the least I could be perceived as biased towards USAA.

However, I believe their tools leave a lot to be desired.

The Digital Tool seemed to be the best product they offer actually in terms of fee and diversification. (However, the fees on any of these services were not conspicuous. So bear that in mind, you’d need to d a bit more hunting to find the specifics there.)

So, give this video a watch and let me know what you think.

Here is USAA’s website. Pretty simple actually…www.usaa.com


I receive a lot of questions via Quora. Feel free to go to my blog at www.quora.com/profile/Josh-Scandlen/blogs or better yet just go to my website at heritagewealthplanning.com/blog/.

Here are some of the questions I answer on the podcast today.

1. How many Certified Financial Planners (CFPs) also hold the Chartered Financial Analyst designation (CFA)?

2. Do traditional to roth conversions count against your yearly roth contribution limit?

3. Is it better to pay off your house with your savings before retirement?

4. Is paying 0.50+ expense ratio on VMOT, GVAL, GMOM and SYLD ETFs worth it if investing horizon is 20+ years compare to broad market index ETFs with less than 0.20 expense ratio?

Any question you want me to answer?

Just send it in! I’ll be happy to do so.




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