Investor Coaching Show – Paul Winkler, Inc

Paul and Evan hit a variety of topics in this episode, starting with Tesla's future and Musk's incentives to stay with the company, and then pivoting to a pet peeve of Paul's: trying to use money to solve relationship problems. Listen along as these two advisors discuss innovation in business and why getting married shouldn't be a financial decision, but rather a commitment between partners.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

The average first-time homebuyer is almost 40 now — up almost seven years since 2020. Paul and Evan discuss the challenges of being a first-time homebuyer in today's market and the shifting attitudes toward home ownership. Listen along as these advisors share the steps of purchasing your first home, some advice they have for people considering home ownership, and why first-time homebuyers shouldn't be afraid to start small and wait until the time is right.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul and Evan continue a conversation they had last week about how the promises made by socialist governments are similar to those made by the investing industry. The industry wants you to believe that they have a group of experts who can choose the best companies for your portfolio. Listen along to hear why confident investors don't trust the industry to gamble with their investments. Later in the episode, Paul shares a story about a famous fund manager who has repeatedly been wrong yet still has managed to get airtime.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Progress comes through effort. Paul and Evan share an interview about how socialism is being marketed to people around the world as a cure for their problems. The problem is that when we look at socialist governments, they have not been good for the people they serve. Listen along to hear why capitalism can be a hard sell to people, but has so far proven to give the most opportunity to the most people. Paul shares that the way people get sold on bad investments is the same way people get sold on socialism through the belief that they can sidestep the work and get straight to the results.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

The industry is looking to pull you into investments that let them charge you more fees to manage your portfolio. Private equity is making headlines this year and being sold as a unique opportunity for you to invest in the same things uber-wealthy investors do, but everyone fails to mention that this is similar to ESG investing, with lots of hype, lots of risk, and worse returns.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul shares an infomercial on gold that goes in-depth into bank runs and presidential executive orders, trying to convince you that gold has always been a strong investment. Listen along as Paul expands on this education to help you understand that they are priming you for a sale, not offering you financial advice out of the kindness of their hearts. Later in the episode, Evan brings up the latest attempt to push investors into crypto and explains why the house always wins in speculative investing.      Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Property fraud affects many property owners who don't understand their rights or how to safeguard their ownership. Today, Paul invites Holly Hemmrich, Register of Deeds for Sumner County, to talk about how to properly own and safeguard your property, as well as insurance products to avoid, free resources for property owners, and how to spot scammers.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul wants you to know that one of the most dangerous things you can do is get into a room with an advisor who knows how to manipulate your emotions and sell you a product that gives them high commissions. Today, Paul shares a video where someone is teaching you how to sell annuities, right down to the words to say and body language to use to make you feel safe and consider the product. By learning these tactics, you can learn to spot the difference between financial help and sales.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul talks about cap-weighted funds, a popular method for trying to represent an area of the market through capitalization. Listen along to hear what these funds are, what capitalization means, and why companies call these funds diversified, but leave millions of investors mostly owning a few of America's largest companies.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Many Americans experience a similar experience straight out of college. They have hefty student loans and potentially the lowest pay of their entire careers. Today, Paul talks about his experience of first moving to Nashville, walks through a WSJ article about paying off student debt, and shares some of the crazy things people do in their early days to get on the right financial track. He then segues into a conversation about new information on 2026 tax brackets.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Mutual fund companies are professional marketers. Today, Paul talks about how often these companies say all the right things about diversification. Confident investors learn to look past what the companies' marketing materials say and see that the investments they are selling tell a much different story. Later in the episode, Paul wants investors to understand that the run-up in gold isn't a fluke, but it also isn't because gold is such a good investment to own.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Fund companies, media outlets, and even advisors are constantly vying for your attention to sell you products and services. So how do you learn to cut through the noise and make the decisions that are right for you? In a two-part episode, Paul covers these topics and teaches you how to develop confidence in your financial goals and the plan that will help you get there. Listen along to hear how Nobel Prize-winning strategies can help you understand how goals, plans, and products can all work together to help you feel confident about investing.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Fund companies, media outlets, and even advisors are constantly vying for your attention to sell you products and services. So how do you learn to cut through the noise and make the decisions that are right for you? In a two-part episode, Paul covers these topics and teaches you how to develop confidence in your financial goals and the plan that will help you get there. Listen along to hear how Nobel Prize-winning strategies can help you understand how goals, plans, and products can all work together to help you feel confident about investing.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

When Paul asks most beginner investors, “What is a financial advisor's job supposed to be?” he usually gets a familiar answer that involves understanding how markets work, being in the right part of the market at the right time, and knowing the best products to own. Today, Paul reveals that this is actually a lie perpetuated by the financial media, as most people you see weighing in on TV are being paid to be there. Listen along as Paul helps you understand the media bias around timing the market and buying investments after they've already gone up. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

There has been a lot of talk about AI and whether or not eager investors have created a bubble in AI stock that could hurt all investors. Today, Paul talks about market bubbles and why they are more dangerous to some than others, and why the activity we see around AI stocks doesn't look like an irrational run-up just yet.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Jim Kramer is taking every opportunity to sell young investors on his new book and the idea of “making it big” investing. Listen along as Paul talks about why pundits like this get a lot of airtime even though their advice has historically been a disaster to take.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

The industry likes to push investors into popular and predictable investments with low returns and low diversification. The result of this is a dwindling portfolio and an inflation problem in your 80s and beyond. Listen along as Paul explains why the strategies and products that promise you “safety” will actually lead to you running out of money at the worst possible time: after you are no longer able to work.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul continues a conversation about how markets work and how that guides the investments that should go into your portfolio. Listen along as Paul explains what happens when an opportunity to take advantage of the market occurs, and how attempting to time the market feels exciting but leaves you with a portfolio that is a fraction of what it could be.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul talks about a new record high gold hit this week and why gold is one of the most emotional investments people get involved in. Listen along as Paul shares a pundit who is giddy with excitement this week as gold rises to hit its highest level and discusses why you should never choose an investment based on recent performance.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul finds a segment on CNBC that is pushing a new investment book called “How to Make Money in Any Market.” The host and author seem really into the topic of helping the average investor make wise decisions — until you start to hear what some of the advice is. Listen along to find out why the advice may seem nice when you're watching television, but the author is more likely to make money selling the book than you are by doing what it says.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul and Jim talk about a WSJ article that explains how companies are charging 15–20% annual fees to customers who are trying to play the market like a slot machine. Listen along as Paul shares the slippery slope from being afraid of the future, wanting to get ahead, and then trusting the past performance of a fund or manager to try to play catch-up. Later in the episode, Paul talks about how QCDs are a great opportunity to give back to your community.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Jim brings the results of a survey of financial planners on what they believe is most important for their clients in 2025. The results are absolutely underwhelming. Listen along as Paul and Jim process how the industry got to this state where half of the advisors don't even believe that a product really needs to be suitable for you if it has other qualities. Later in the episode, “finfluencers” (financial influencers) have taken over the internet. Their job is to look smart and help companies sell products by gaining your trust.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

The financial industry is pretty broken. All the large firms have found ways to provide you with the cheapest and least services possible without taking any responsibility. They have also learned how to present flashy strategies, product pitches, and market news to keep you distracted. Today, Paul and Jim give you an insider's look at the industry and warn you that not only have they fooled investors, but they've always fooled your employers.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul and Evan discuss a common fear among today's employees: Will AI replace my job? Listen along to hear why so many companies are adopting this innovation, how it could affect your job, and why, as an investor, you should be optimistic about how this could impact markets going forward. Later in the episode, Paul and Evan remember the late John Clements, a prominent British financial writer for The Wall Street Journal who passed away last month. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Evan and Paul talk about some research Paul put together around an average annuity payout. Initially, the payout looks okay — until you factor in inflation. Listen along as these two advisors explain why giving your retirement savings to an insurance company may look great now, but it will leave you with a fraction of the purchasing power in the future.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Gold is up 39% this year, largely due to the uncertainty in markets created by Trump's trade policy. The problem is that gold is just a commodity, and its value is based on what someone is willing to pay for it. Today, Paul and Evan discuss why gold's price rise is circumstantial and why educated investors still prefer diversification and buying and holding over buying something when it's hot and hoping to get out before it goes down.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Annuities are still one of the most dangerous financial products when it comes to accumulating assets for your retirement years. They are insurance products with huge commissions and back-end surrender charges that trap your money in phantom accounts, leaving you stuck against inflation with no assets to give to future generations. However, they are confusing products, and you can make a lot of money selling them. Today, Paul shares a video he found on social media that will teach him “how to sell an annuity in 10 minutes.” Listen along as Paul encourages you to learn these sales tactics so you can spot them and avoid this common investing trap.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul remembers a big push in the '90s by professors and economists, like Fama and French, to teach advisors why stock picking is hurtful to their clients and how to help people invest without opening them up to unnecessary risk. Today, Paul talks about some of these lessons, why stock picking is still so prevalent in the industry, and what you can look out for to avoid advisors like these.  Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul talks about how what has happened in the last one, three, or five years heavily affects your investing decisions. Are stocks up this year? Maybe I should get in. Are interest rates high? Maybe it's a good time to own bonds or CDs. Annuities even craft products that would have done well in the last 10 years and then sell them to people based on their track record. There is another way to invest that doesn't keep you glued to how markets are doing right now or worried about the next bubble. Listen along as Paul shares an article about market bubbles and crashes and then explains why you don't need to be able to predict them to be a successful investor. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul finds that comparison is a very dangerous game and that people don't give themselves enough credit for their unique abilities or situation. Today, Paul discusses an article that shares the average retirement savings for people in their 60s. Whether you're ahead of the curve or struggling through a tough situation, like a divorce, the death of a spouse, or the loss of a job, one of the best ways to grow and become stronger in your finances is by working with an advisor who knows your situation and can help you get stronger and move toward your goals.  Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

This week, Evan sends Paul a video called “The Only Four ETFs You'll Ever Need.” Paul explains how marketing campaigns like this draw investors in with something they understand. Paul plays a few clips from the video and shares how these four ETFs could really get you in trouble if they were your whole financial plan. Listen along to hear how an educated investor can pick apart this kind of marketing and avoid common investing traps. Later in the episode, Paul shares a WSJ piece claiming that everyone needs a little gold in their portfolio. Is that true?    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Evan shares a list of some of the most famous investment fads and talks about why these fads drove markets and ultimately lost investors a lot of money. Listen along to hear what we can learn from these kinds of investments and how we can spot some of them today.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Evan talks about the 24th anniversary of 9/11 and remembering this week that the news can get very somber without any notice. So, how do you keep yourself from being pushed and pulled by the world so that you can stay the course and fulfill your calling? The answer lies in discovering your values and your true purpose for money.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul and Evan talk about how enticing it is for pundits and experts to look at markets and predict when the next downturn will occur. A common trap these two advisors see is investors jumping in and getting bullish, then realizing that their investment strategies are dangerous because their account keeps going up. Listen along to hear Paul and Evan explain why diversified investing is important in all kinds of markets.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul and Evan discuss how Robinhood has grown to become one of the largest companies in the United States by gambling on stocks, crypto, and other speculative assets. When asked in an interview about whether investors are also turning to more traditional forms of investing for retirement, the company basically replied, “No, and we don't care.” Listen along to hear these two advisors talk about why this kind of investing is so popular and how it's making a fortune for the company at the expense of the investor. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul shares a video from someone who was courted to a steak dinner, fed incomplete information, and then sold a product they didn't fully understand. In most industries, this would be viewed as a scam or at least fraudulent, but in the investing industry, this is completely normal. Listen along as Paul explains that offering you a bribe, trying to “reeducate” you, and then manipulating you to make money is not his idea of good financial education or planning.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul has an algorithm feed him a seemingly relevant video about choosing the right Fidelity funds to grow his portfolio. The problem is that the algorithm isn't designed to look out for bad financial advice. After watching the video, Paul gives the advice an F and is concerned that videos like these sound convincing and the person in it looks like they have done some research. The problem is that this YouTuber has no responsibility to you and is more focused on growing a following than helping you have income in retirement. Later in the episode, Paul asks Evan what he thinks about short-term interest rates.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Evan brings in an investing “newspaper” that claims to have insider information about tech and cybersecurity companies and is filled with articles claiming that this section is due for a big rise in value. Paul and Evan explain why all financial news is too slow for regular investors to play the market timing game, when traders have spent fortunes trying to gain an advantage of fractions of a second on trading platforms. Later in the episode, Paul talks about someone who realized their mother lost millions of dollars because of a bad investment decision, and what he does when someone comes into the office with this kind of situation.     Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul and Evan talk about the Federal Reserve remaining neutral amidst Trump's rhetoric around trying to influence the bank and interest rates. The two advisors talk about why they aren't confident that Trump will follow through on the pressure and dive into some of the history of this independent bank, as well as which countries have not kept their nation's banks independent and which countries don't have nationalized banks at all. Then, they switch topics to address a listener's question about how social security benefits are penalized if you retire early and how to calculate if you're hurting or helping your benefit if you continue to work past your retirement age.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul talks about a few factors that could keep driving inflation up beyond the most recent round of tariffs. With prices continually moving up, how are regular consumers and investors supposed to keep up? Listen along as Paul addresses this topic and explains some of what we've seen in the U.S. since 1970. Later in the episode, Paul talks about how AI isn't catching on with women the same way it is with men and how junk bonds seem to be tripping up a lot of investors right now.  Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul talks about some of the first choices you have as an investor. Do you invest pre-tax or post-tax, and what funds do you choose? Listen along as Paul talks about how most funds you can choose are over-weighted with large tech companies, but don't include enough of smaller markets. This combination leaves you in the same boat as most investors: seeing less returns than the market and wondering what you could be doing differently.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul tackles one of the most common questions he gets from investors, workshops, classes, and interviews: How much gold should I be invested in? For long-time listeners of the show, his answer isn't surprising, but it is just as relevant now as ever. Listen along as Paul explains why gold isn't even considered an investment and why the risk and reward of putting money in gold make it very difficult to recommend.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this episode, Paul explores an often-overlooked factor in achieving financial success: boredom. He argues that boredom can lead to poor financial decisions, such as overspending or chasing "new" market strategies. People have a hard time staying the course and want to feel like active participants in improving their lives. Listen along as Paul explains why one of the hardest and best things you can do with your finances is not doing anything at all. Later in the episode, Paul explains why he thinks that an “equal-weighted” S&P 500 fund is a bad idea. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul and Jim talk about how humans are not good at understanding or managing risk because if the markets are up, if the president you like is in the White House, or if you just got a big promotion at work, you're going to be more willing to take risks. The opposite is also true. Listen along as these advisors explain why using proven academic methods is better than letting your intuition or emotions guide your decisions. Later in the episode, Paul and Jim share about how innovation in technology and business will not only drive profits for businesses but also continue to improve the quality of life.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul invites Jim from the Goodlettsville office onto the show, and the two get into a conversation about strategies for paying yourself in retirement. Jim brings up a very popular pitch people hear as they near retirement: moving your money into short, medium, and long-term “buckets” that allow your income to be engaged in various levels of risk based on how long it will be before you need the money. While this sounds like a solid plan, it really becomes an opportunity to engage in more than one plan at a time, introduces new risk into your portfolio, and gives advisors opportunities to sell products like annuities. Later in the episode, Paul and Jim talk about an article that claims that because traditional concepts like retiring at 65 years old are no longer held, other concepts, like the 4% rule, don't apply either.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul invites attorney Parker Brown onto the show to talk about wills, trusts, estate plans, and the probate process. Many people don't realize that if you don't have a will, your state has an estate plan for you. Unfortunately, it's usually not what you would really like to have happen to you and your loved ones. Listen along as Paul and Parker dispel some information around estate planning to keep your family from having to navigate financial and legal problems after you're gone.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul invites attorney Parker Brown onto the show to talk about wills, trusts, estate plans, and the probate process. Many people don't realize that if you don't have a will, your state has an estate plan for you. Unfortunately, it's usually not what you would really like to have happen to you and your loved ones. Listen along as Paul and Parker dispel some information around estate planning to keep your family from having to navigate financial and legal problems after you're gone.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul asks Dan to share some of his experience with clients around annuities to help people see what's actually going on behind the scenes. Dan shares a story of a client who bought an annuity and was sold an income rider, believing this would help her have a consistent income for years. The payout of this product after the cost of the rider was $90 a month. Listen along as these advisors help you see how the language around these products is twisted to make you believe that you're getting returns or even wealth growth that isn't there.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul, Evan, and Dan talk about investors who are nearing or in retirement and their biggest concerns. Fewer and fewer people are entering retirement with confidence, and the industry is so focused on selling them products or sharing advanced strategies instead of education and planning. Listen along as three experienced advisors explain why no one can help you make the right decision until they have a strong understanding of your situation and goals.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul, Evan, and Dan discuss an advertisement that aims to convince investors that “normal” advisors are wrong about bonds and will run your retirement into the ground if you let them. The problem is that the sales pitch sets up a scenario that rarely happens in the industry and fails to mention that all they are doing is selling a product that makes them a large commission. Evan calls the tactic for setting up a false situation to pitch against setting up the straw man and explains why it's one of the oldest tricks in the sales book. Listen along as these investors talk about why an annuity is not a good alternative to a diversified portfolio, regardless of your age.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul brings in a commercial showing trendy young investors working with their flashy advisor, and the secret sauce that is bringing in all the success is … “institutional grade” bond funds? Listen along as Paul, Evan, and Dan explain what's wrong with this picture and why the financial industry is more interested in how marketable a product is and not how effective it is. Later in the episode, the European stock market isn't seeing very many new public companies. Does this mean anything for investors?   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.