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Retirement Power Play with Tim Dyer

Join wealth manager Tim Dyer for consistent and reliable information about how to best prepare for retirement and your financial future on the Retirement Power Play podcast. Tim is the founder of Dyer Wealth Management, serving the San Diego area and based in La Jolla, California. He's the co-author of "Defuse", a book designed to help you learn the 7 steps to protecting your 401(k) from the ticking tax time bomb. Tim isn't afraid to run counter to the conventional wisdom of the financial world. Join him each episode as he'll point out problems and inconsistencies you need to be aware of in the retirement landscape so you can take full control of your portfolio to make empowered financial decisions. If you have a 401(k), an IRA, a pension (or maybe even better, no pension), not sure what to do about Social Security, healthcare, legacy planning, or any other number of financial planning issues then you're in the right place. Because Tim is going to cover anything and everything in the retirement planning spectrum. Call him with your questions at 858-459-3937 or go online to https://www.dyerwealthmanagement.com/ to find out more information!

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Retirement Power Play with Tim Dyer

The Loan Options Worth Considering to Fund a Home Renovation?

March 06, 2025 • Tim Dyer

Today we’re going to talk about a recent conversation Tim had with a client who was looking to borrow some money for a home renovation project. There were a couple of options available to them, some of them pretty simple and some a little bit more in-depth.

Tim was surprised to learn that some of these things weren't as well-known as he thought they were so we wanted to share some of that information on the show to maybe get you thinking about some options that are available to you.

Here’s what you’ll learn in this episode:

🏠 Margin Loans for Renovation

· Borrow against your investment portfolio without liquidating assets

· Avoid taxes and penalties that come with selling investments

💳 Securities-Backed Loans

· Lower interest rates compared to margin loans

· Use funds for non-investment purposes with less paperwork

💸 Traditional Financing Options

· Personal loans, HELOCs, and cash-out refinancing

· Understand the pros and cons of each choice and their impact on your financial future

🔍 Strategic Financial Planning

· How to assess your goals and plan for repayment

· Make informed decisions based on your financial situation

We hope this episode provides essential tips on leveraging financing options to fund your renovation projects but reach out if you want to discuss what’s best for you.

People on this episode

Tim Dyer

Host