Dollars & Sense with Joel Garris, CFP

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Dollars & Sense with Joel Garris is Central Florida's longest-running radio program and is heard live every Sunday morning at 9am on Newsradio 93.1 FM with a simulcast on 540 AM. The host, Joel Garris of Nelson Financial Planning, is a former attorney and CERTIFIED FINANCIAL PLANNER who changes liv…

Joel Garris


    • Jun 16, 2025 LATEST EPISODE
    • weekly NEW EPISODES
    • 42m AVG DURATION
    • 478 EPISODES


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    Latest episodes from Dollars & Sense with Joel Garris, CFP

    Overlooked Retirement Challenges & Housing Market Buyer-Seller Gap

    Play Episode Listen Later Jun 16, 2025 37:49


    his week's episode of the Dollars & Sense Financial Podcast dives deep into two crucial financial topics: the emotional and logistical challenges of retirement and the shifting dynamics of the housing market. Hosts Joel Garris and Chet Cowart explore the often-overlooked aspects of retirement, from combating loneliness to crafting a meaningful routine. They also analyze the current real estate landscape, highlighting the imbalance between buyers and sellers and offering actionable advice on mortgages, loan terms, and navigating interest rates. Whether you're approaching retirement or considering a home purchase, this episode is packed with expert insights and practical advice to help you make informed decisions. Joel and Chet provide real-world examples, discuss pivotal statistics, and offer solutions that go beyond the numbers, emphasizing the importance of personal conversations in financial planning. 

    The Tough Topics: Talking Money with Kids & Tackling the Survivor's Penalty

    Play Episode Listen Later Jun 9, 2025 40:25


    In this episode of the Dollars & Sense Financial Podcast, host Joel Garris dives into two essential and often overlooked topics: how to discuss finances with your kids and how to prepare for the survivor's penalty when losing a partner.

    Path to Becoming a Millionaire & Smart Portfolio Rebalancing Tips

    Play Episode Listen Later May 26, 2025 40:36


    Looking to unlock the secret to millionaire status while keeping your investments on track? This week's episode of Dollars & Sense dives into the surprising path most U.S. millionaires take—hint: it's not a get-rich-quick scheme—and reveals how consistent retirement contributions can transform your financial future.

    Hot Financial Topics: Student Loan Collections & Upcoming Tax Changes

    Play Episode Listen Later May 19, 2025 40:36


    Investment Types to Avoid & Updating Your Estate Plan

    Play Episode Listen Later May 12, 2025 41:20


    Join us on this week's episode of Dollars & Sense for some insightful discussions about the investments you should be cautious about and the important moments to update your estate plan.

    Tax Trouble Spots and Charitable Giving Strategies

    Play Episode Listen Later May 5, 2025 40:20


    In this episode of Dollars & Sense, financial expert hosts Joel and Christina delve into the complexities of tax season and share the top 10 tax trouble spots that individuals face. They discuss critical issues such as the taxation of social security, where increased income can lead to higher taxes on these benefits, and the Premium Tax Credit (PTC) recapture related to the Affordable Care Act, which can result in significant repayments if income approximations are incorrect. 

    Understanding the Math in Financial Decisions & Wealth Transfer Tips

    Play Episode Listen Later Apr 28, 2025 40:15


    Market Boom & Social Security Changes for Public Employees

    Play Episode Listen Later Apr 14, 2025 40:30


    This week's episode of Dollars & Sense dives deep into the latest market developments following President Trump's suspension of tariffs, showcasing an unprecedented surge in the Dow, SP500, and Nasdaq. Hosts Rob Field and Joel Garris delve into the historical significance of such market swings and emphasize the importance of maintaining a consistent investment strategy amidst volatility. The episode also covers significant changes to the Social Security Windfall Elimination Provision, highlighting the positive impact on public employees like teachers, firefighters, and police officers. Stay tuned for insights and expert advice on navigating the financial landscape! #DollarsAndSense #MarketNews #SocialSecurity #InvestmentTips #FinancialPlanning  

    Common Investor Mistakes To Avoid During These Unpredictable Times & Expert Tips

    Play Episode Listen Later Apr 7, 2025 40:48


    Impact of "Mag 7" stocks and Joel Got a 1099-K – Now What?

    Play Episode Listen Later Mar 31, 2025 40:26


    Tariffs & Social Security: Navigating Trade and Future Benefits

    Play Episode Listen Later Mar 24, 2025 40:33


    In our latest episode, we dive into the complexities of tariffs and their impact on global trade

    Protecting Yourself from Tax Identity Theft and Navigating Investment Taxes

    Play Episode Listen Later Mar 17, 2025 40:31


    In this week's episode of Dollars & Sense, key strategies for protecting yourself from tax identity theft and tips for navigating investment taxes were discussed. Tax Identity Theft Prevention Understanding Tax Identity Theft: A fraudster uses personal information to file a fake tax return and claim a refund. Get an IP PIN: Apply for a six-digit Identity Protection Personal Identification Number (IP PIN) from the IRS to prevent fraud. Prove Your Identity: Use ID.me to verify identity - submit name, address, and driver's license photo. Stay Updated: Once you have an IP PIN, it is automatically renewed annually in your online IRS account. Investment Tax Management Capital Gains Tax: Lower tax rates apply if assets are held for over a year before selling. Dividend Tax: Qualified dividends receive lower tax rates if stocks are held for specified periods. Retirement Account Withdrawals: Withdrawals before age 59½ incur additional tax penalties unless exceptions are claimed. Home Sale Tax: Exclude up to $250,000 for singles and $500,000 for couples from capital gains if lived in the home as primary residence for at least 24 months within a 60-month period. Timing Matters: Understanding timing rules is crucial for minimizing taxes on various investments. 

    Preserving Your Investments No Matter The Market Headlines and Financial Red Flags

    Play Episode Listen Later Mar 10, 2025 40:33


    In this episode of Dollars & Sense, hosts Joel Garris and Zach Keister delve into the recent market volatility and its impact on investment portfolios. They emphasize the importance of reviewing one's portfolio and maintaining a balance between conservative and growth-oriented investments to weather the storm of market fluctuations. Additionally, the episode explores five financial red flags in relationships and how to address them. These red flags include secretive spending, borrowing from friends and family, gambling and addictive behaviors, lack of future financial planning, and excessive debt. Joel and Zach stress the importance of open communication and financial transparency between partners to ensure a healthy financial relationship. #MarketVolatility #RetirementPlanning #FinancialRedFlags #InvestmentTips #DollarsAndSensePodcast

    Mastering Retirement Taxes & Avoiding AI Scams

    Play Episode Listen Later Mar 3, 2025 41:17


    Ready to optimize your retirement and stay ahead of new scams? In this week's episode of Dollars & Sense, Joel goes over creating a tax plan that can save you money in retirement.

    The Hidden Complexities of Annuities & Funding Life's Big Events

    Play Episode Listen Later Feb 24, 2025 40:45


    In this episode of Dollars & Sense, Joel and Rob dive deep into the world of annuities. They break down the complexities, from guaranteed incomes to the hidden fees that could affect your investments. You'll also hear about the dramatic increase in annuity sales and what it means for potential investors. Plus, they share some exciting news about their book being featured at the LA Times Festival of Books!

    Unique Retirement Challenges for Men & How Your Home Saves on Taxes

    Play Episode Listen Later Feb 17, 2025 40:24


    Joel will delve into the unique financial and health challenges men face in retirement. From the importance of mental health to navigating healthcare and maintaining physical fitness, we cover critical topics that impact the quality of life for retired men. We also discuss how to prepare for these challenges, including tips on financial planning and maximizing Social Security benefits.Discover how your home can be a powerful tool for reducing your tax bill!

    Early Tax Season Trends & Retirement Myths

    Play Episode Listen Later Feb 10, 2025 40:29


    Join Joel and special guest Christina Lamb, a fellow CFF and IRS enrolled agent, on the latest episode of Dollars & Sense. They dive into 5 early tax season trends that are impacting tax returns this year. Plus, they debunk some of the most common retirement myths. Whether you're prepping for tax season or planning for retirement, you won't want to miss this insightful discussion!

    Top 10 Tax Changes of 2025 - What you need to know to save money and avoid penalties

    Play Episode Listen Later Jan 27, 2025 40:56


    Join guest hosts and financial experts Chet Cowart and Kristin Castello as they outline the big tax changes coming in 2025 on this episode of the Dollars & Sense Podcast!

    Navigating Market Volatility and Retirement Business Success

    Play Episode Listen Later Jan 20, 2025 40:16


    In this episode of Dollars & Sense, Joel dives into the recent uptick in market volatility as 2025 kicks off.

    Mastering Your Finances: Budgeting, Legal Insights, and Protecting Your Assets

    Play Episode Listen Later Jan 13, 2025 41:47


    Zach Keister joins Joel Garris for an in-depth discussion on the essential tools you need to achieve your financial goals successfully.

    New Year Financial Resolutions and 2025 Investment Themes

    Play Episode Listen Later Jan 6, 2025 40:16


    Join Joel in this insightful episode of Dollars and Sense as he lays out the top financial resolutions for the new year and provides practical tips on how to achieve them.

    2024 Year-End Financial Review and 2025 Market Predictions

    Play Episode Listen Later Dec 30, 2024 40:27


    Join us for the final episode of Dollars & Sense in 2024 with your host, Joel Garris!

    Holiday Financial Gifting Tips & Investor Performance in a Post Covid World

    Play Episode Listen Later Dec 16, 2024 40:18


    On this week's program, Joel provides updates on the suspension on the Beneficial Ownership Report obligation that was due to be required at year end for small businesses.In addition, he shares the latest studies on investor performance in a post covid world on the 5th anniversary on Covid 19. Joel covers some of the common financial mistakes that grandparents might make with their grandchildren. And what tax implications might be involved with gifting cash?

    Holiday Scams and Estate Planning Tips

    Play Episode Listen Later Dec 9, 2024 40:28


    Join Joel Garris and guest host Chet Cowart on this episode of Dollars & Sense!

    Filing Beneficial Ownership Interest Reports and Everything You Need to Know About Roth Conversions

    Play Episode Listen Later Dec 2, 2024 39:59


    This week on Dollars & Sense, Joel dives into some hot topics you won't want to miss!

    What Should Couples be Asking Each Other?

    Play Episode Listen Later Oct 28, 2024 40:14


    The Latest Investment Insights!

    Play Episode Listen Later Oct 21, 2024 40:00


    Do You Have a Forgotten 401k?

    Play Episode Listen Later Oct 14, 2024 40:06


    Joel delves into the complexities of passing assets from one generation to the next and emphasizes the importance of good estate planning to mitigate these issues with 4 essential questions needed to kickstart a successful estate plan. He also highlights the staggering number of forgotten 401(k) accounts, estimated to be around 24 million, and outlines steps to track down and take control of these accounts, ensuring that no retirement funds are left behind. Joel addresses the issue of IRS refund checks being stolen in the mail and provides tips on how to avoid this problem with a small but impactful choice that can streamline your financial transactions and bring ease to your financial life. #NelsonFinancialValues #IRSRefund #EstatePlanning #TaxTips #FinancialSecurity #401k

    Are Your Investments Sitting in Cash?

    Play Episode Listen Later Oct 7, 2024 40:16


    In this episode, our hosts, Christina Lamb and Joel Garris, dive deep into a troubling study that sheds light on a common financial pitfall – the cycle of rolling over investments without realizing they often end up stagnating in cash. In addition, Joel and Christina recap the market's performance for the first three quarters of the year plus talk about some of the core beliefs people have about money and how they can impact some of your financial decisions -- how to identify and resolve your unhealthy financial behaviors. #NelsonFinancialValues #StockMarket #Investing #MoneyManagement

    The Upcoming Maturity Tsunami

    Play Episode Listen Later Sep 30, 2024 40:27


    The Dangers of Owning ETF's

    Play Episode Listen Later Sep 23, 2024 40:08


    Check out the latest episode of Dollars & Sense!

    Steps to Protect Yourself if you are a Victim of a Data Breach

    Play Episode Listen Later Sep 16, 2024 40:26


    On this episode, Joel Garris is joined by Rob Field to go over steps to protect yourself if you are victim of a data breach, discuss a few of September's major headlines, and celebrate the 89th anniversary of Social Security. These topics and more on this week's radio show/podcast.

    5 Tips to Improve Your Savings & What to do in the Year Before you Retire

    Play Episode Listen Later Sep 9, 2024 40:04


    On this podcast Joel Garris outlines the five key ways that you improve your ability to save money immediately. Plus, he provides some practical non-financial things you can do a year or two prior to retirement to help improve the quality of your transition. These topics and more on this week's radio show/podcast.originally aired 9/8/24

    Retirement Scam Alert: How IRS Scammers Aer Tricking You Out of Millions!

    Play Episode Listen Later Sep 3, 2024 40:22


    Politics and Your Finances

    Play Episode Listen Later Aug 26, 2024 40:12


    On this podcast Joel Garris is joined by Chet Cowart to discuss how to help your finances survive political volatility. Plus, tips to help volatile in you spending habits. These topics and more on this week's radio show/podcast.originally aired 8/25/24

    Market Volatility!!

    Play Episode Listen Later Aug 12, 2024 40:13


    In light of recent market volatility this week Joel Garris discusses what he believes the root cause of it is and two things you need to do now with your investments. He also talks about three different strategies to take advantage of the market decline. These topics and more on this week's radio show/podcast. originally aired 8/11/24

    Are You Asking the Wrong Questions About Your Money?

    Play Episode Listen Later Aug 5, 2024 40:23


    On this podcast Joel Garris is joined by Zach Keister to discuss the importance of being goal oriented with financial questions rather than product oriented. Plus, what you can do to avoid the 401k rollover mistake that's costing retirees billions of dollars each year. Finally, they celebrate the 100th anniversary of the mutual fund and its roll in America.  These topics and more on this week's radio show/ podcast. originally aired 8/5/24

    The Latest Inherited Retirement Account Rules

    Play Episode Listen Later Jul 29, 2024 40:25


    On this podcast Joel Garris is joined by Christina Lamb to discuss the importance of credit scores when it comes to purchasing a car. Plus, the latest final rules issued by the IRS in regard to inherited retirement accounts. Finally, the incredible value of a Health Savings Account. These topics and more on this week's radio show/podcast.originally aired 7/29/24

    Four Things to Consider When a Loved One goes to a Retirement Facility

    Play Episode Listen Later Jul 22, 2024 40:26


    On this podcast Joel Garris discusses four major items to consider when assisting a loved one or spouse move to a retirement care facility. Plus, what investors need to do with their portfolio in light of the market hitting record highs. These topics and more on this week's radio show/podcast.originally aired 7/21/24

    Perception vs Reality in Today's Economy

    Play Episode Listen Later Jul 16, 2024 40:31


    On this podcast Joel Garris is joined by Rob Field to discuss perception vs reality involving current economic climate. Also, three major tools and two considerations involving estate planning blended families.  These topics and more on this week's radio show/podcast.originally aired 7/14/24

    The Real Return on Alternative Investments

    Play Episode Listen Later Jul 1, 2024 40:22


    On this podcast Joel Garris is joined by Chet Cowart to discuss the benefits of using a 529 savings plan to help pay for education. Plus, Joel shares his personal interaction with alternative investments and what the real investor rate of return is. These topics and more on this week's radio show/podcast.originally aired 7/1/24

    Are Private Equity Investment's Dragging Down Pensions?

    Play Episode Listen Later Jun 24, 2024 40:14


    On this podcast Joel Garris is joined by Zach Keister to discuss the importance of starting to save early and the power of compounding and its impact on your retirement. Also they discuss the role of private equity within pensions and individual investor portfolios in reference to poor performance and limitations.  These topics and more on this week's radio show/podcast.originally aired 6/23/24

    Have You Been Affected By An IRS Scam?

    Play Episode Listen Later Jun 17, 2024 40:32


    On this podcast Joel Garris is joined by Kristin Castello to discuss the rising amount of IRS scams and how to avoid them. Joel and Kristin provide three key take aways to help protect yourself from said scams. Plus, they discuss real property scams and what you can do to avoid them. These topics and more on this week's radio show/podcast.originally aired 2/18/24

    What To Do If You Get an IRS Letter

    Play Episode Listen Later Jun 3, 2024 40:33


    On this podcast Joel Garris discusses what you should do if you get a letter from the IRS. Plus, recorded deed notice letters that are simply nonsense in their request for funds to receive a free copy of your recorded deed. Finally, he mentions some of the complications about discussing inheritance with the next generation and provides five things you need to cover within those conversations. These topics and more on this week's radio show/podcast.originally aired 6/2/24

    Is the United States In Demise?

    Play Episode Listen Later May 20, 2024 40:39


    On this podcast Joel Garris discusses the prevalent online view that the United States is in demise. He provides several statistics that shows quite the opposite is true. Plus, three key takeaways to help generation Z combat a disturbing trend of increasing credit card debt relative to past generations. Finally, the biggest failure of retirement planning and how to avoid it.  These topics and more on this week's radio show/podcast.originally aired 5/19/24

    The Correlation Between a Postage Stamp and Inflation

    Play Episode Listen Later May 13, 2024 40:10


    On this podcast Joel Garris wishes all our mothers a very happy Mother's Day! This program features an in-depth discussion on the most recent earnings season. Plus, how the postage stamp is a classic inflation indicator. Finally, the implications for your money if the Federal Reserve chooses not to lower interest rates. These topics and more on this week's radio show/podcast.originally aired 5/12/24

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