RHP Market Talk

In this installment of Market Talk, Co-Founder and CXO Natalie Picha talks to Brian Hickey, Vice President of Medicare Back Office, a team of dedicated, licensed insurance agents providing nationwide Medicare advice. Their discussion includes: • The differences between Part A and Part B, and how to decide if you need a Medicare Supplement plan• What is Medicare Advantage, and what does the county I live in have to do with anything? • The importance of annual reviews of your Medicare benefits• When you should start exploring your optionsExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

We discuss the unprecedented market volatility following the announcement of across-the-board tariffs, examining the fundamental shift in how the US conducts global trade and what it means for investors.• What the bond market can tell us about the economy• Is US exceptionalism at risk?• What Wall Street strategists are saying• Which bonds are most attractive in this market• The importance of diversificationExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

Markets aren't designed to move in a straight line, as evidenced by the recent 3% decline in the S&P 500 and 4% drop in the NASDAQ composite. And while some movement is expected, huge swings may make investors nervous. In Episode 45, Natalie Picha, Partner and CXO, and Glenn Royal, CFP® Partner and CIO, discuss recent market turbulence and how to approach the market for the remainder of 2025.Key Highlights: • Trump's tariff plans aim to transition the US economy to a smaller government with increased domestic manufacturing • The costs and timeline of this transition remain uncertain, with tariffs potentially creating stagflation conditions• Learn how a focus on cash flow-generating investments like dividends and fixed income may help mitigate market volatility• Key upcoming events: a possible government shutdown, new tariffs, FOMC meeting, and major options expirationsExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

RHP Market Talk Episode 44 dives into the essential role of financial planning in achieving long-term success, emphasizing that it is not exclusive to the wealthy. Natalie Picha, Partner and CXO, and Matt Berti, CFP®, CPWA® Associate Wealth Advisor, discuss misconceptions surrounding planning, emotional barriers clients face, and strategies that can transform one's financial future. • Importance of combining financial planning with investment strategies • Financial planning as an accessible resource for everyone, not just the wealthy • Good money habits and their impact on financial health • Emotional challenges people face when engaging in financial planning • Commonly overlooked financial strategies worth exploring • Continuous planning as an evolving process rather than a single event • The importance of a trusted advisor-client relationship • Preview of upcoming episodes focused on the emotional aspects of financial planningSend us a textExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

Discover the surprising twists of the financial markets as we kick off 2025 with an essential conversation featuring Natalie Picha, Partner and CXO, and Glenn Royal, Partner and CIO.Explore why the market is defying expectations with rising interest rates despite Federal Reserve cuts and how a new administration's policies could shake things up. We'll dissect the recent end-of-year sell-off and early January market movements, all in the context of inflation and high valuations. With "America First" tariffs and potential new tariff policies on the horizon, we promise valuable insights into their possible impact on inflation and market stability. Plus, learn why bonds are shining as a cheaper alternative in a richly valued market, offering you a potential safe haven.Send us a textExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

What drives the markets: politics or the economy? In Episode 24 of RHP Market Talk, Natalie Picha, Chief Experience Officer, and Glenn Royal, CFP®, Chief Investment Officer, discuss the recent election results and the changes they will bring.What implications do these changes have for tariffs, cryptocurrency, and the bond markets? Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

With just 1 week left until the crucial 2024 Presidential Elections, the tension is palpable, and the stakes are high.Natalie Picha, Chief Experience Officer, and Glenn Royal, CFP®, Chief Investment Officer, discuss uncertainty in financial markets during election cycles, proposed tax changes, and the U.S. deficit.This new episode of RHP Market Talk is a big one!Additionally, we are providing links below to articles discussed in this podcast for your convenience.Link to the BlackRock 2024 Election Year SpecialLink to U.S. Department of the Treasury Budget ProposalLink to JP Morgan Asset Management Elections InsightsExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

The recent 50 basis point cut in interest rates was another encouraging sign that the US economy is continuing to grow, but how will this affect everyone's finances?In Episode 40 of RHP Market Talk, Natalie Picha, Chief Experience Officer, and Glenn Royal, CFP®, Chief Investment Officer, discuss the recent interest rate cut and an intriguing market conversation about where the economy goes from here during an election year.Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

Join us for Episode 39 of RHP Market Talk, where Natalie Picha, Chief Experience Officer, and Glenn Royal, CFP®, Chief Investment Officer, discuss the bond market, the risk associated with Nvidia, and the intriguing concept of market contrarianism. Click the link below to listen to our latest podcast.Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

In Episode 38 of RHP Market Talk, Natalie Picha, Chief Experience Officer, interviews Dean Ed Waller, Professor of Finance at the University of Houston – Clear Lake, sharing stories from his extensive career and how institutes of higher learning can work with RIA's to build community.With a wealth of experience in finance, Dean Ed Waller's journey began in the research department of the Federal Reserve during the Reagan years when he was fresh out of college. Throughout his career, he has witnessed firsthand the transformative impact of technology on financial markets and the evolution of our current monetary policies.Now, with a storied life and a deep well of knowledge, Dean Waller shares his experiences with financial students right in our backyard at UHCL, enriching their learning and providing invaluable perspectives on the world of finance.Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

"Do you love taxes?" is a question that most people would answer with a resounding "no." However, Natalie Picha, the Chief Experience Officer, and Michelle Graham from Michelle Graham CPA LLC have some tips to make this tax season less stressful and scary. They understand that taxes are always challenging, especially when figuring out small business deductions. It can be a painful experience, but the value of having a good CPA cannot be overstated. The best advice is to start early and seek expertise to ensure you get the most out of your tax return.www.royalharborpartners.comExperience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

It's 2024, and a variety of factors are affecting market conditions. Geopolitical tensions, interest rates, the election year, and corporate earnings are just a few. Are we back to normal? The market has always been subject to fluctuations and volatility, and it is important to keep a level head and not panic. Natalie Picha, Chief Experience Officer, and Glenn Royal, CFP®, Chief Investment Officer from RHP Wealth Management, discuss the market news and what to look for in 2024. Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

What a year it was for the markets in 2023! So unpredictable. Even the Wall Street experts have been humbled. Looking back at 2023, Natalie Picha and Glenn Royal, CFP®, discuss the fed's dramatic rate hiking cycle and whether it is time to start rate cuts. Someone made money this year...who was it? Around the corner is The January Effect and an election year. Both Glenn and Natalie can't wait to hear where this discussion goes.Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

From submarines to Wall Street? Why was Natalie afraid of having coffee with Michele?If you have not heard the RHP Wealth Management story, we know you will enjoy Episode 34!The founding partners are together for the first time on one podcast. Natalie Picha, Glenn Royal, CFP®, and Michele Jones sat down recently to discuss their successful 4-year history and what makes them different from other independent financial advisor firms. This podcast is a perfect way to introduce your family and friends to RHP Wealth Management! Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

If you are thinking about selling a business, we hope this podcast inspires action.RHP Wealth Management Partner Natalie Picha and Market Talk Episode 33, guest Matthew Goldston of ABIP in Houston, discuss navigating the current M&A market conditions, following sound exit planning methodology, and why the ostrich approach to running your business does not model well.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

What do romantic relationships have to do with money?Your host and RHP Wealth Management Partner Natalie Picha and her guest for Episode 32, Vanessa Solis-Maduzia, Family Law Attorney and Partner at Waldron and Schneider Law Firm, have a deep conversation about the legal aspects of being in any romantic relationship from 30 minutes to 30 years. Did you know that in the state of Texas, legal separation does not exist? Neither did we.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

What does the rest of the year look like with summer starting and the 4th of July right around the corner?Natalie Picha, Glenn Royal, CFP® and Jason Strzyzewski cover it all from the debt ceiling, the various types of recession, the health of the U.S. dollar, and the five companies that makeup 24%, a record level, of the S&P 500.And by the way, this episode was not AI-generated.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

Are you buying a new home? Selling? Moving? How has the housing market changed with the rising interest rates? Is this a good time to sit out the uncertainty and rent for a while?In Episode 30, Natalie Picha, Glenn Royal, and Jason Strzyzewski talk with special guests Brittany Waterman and Ashley Graves of Steel Door Realty. And stay tuned for a quick market update to close out this episode.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

What's happening to commercial real estate with the current interest rates? Our guest for Episode 29 knows.Natalie Picha, Glenn Royal, CFP®, and Jason Strzyzewski sit down with Curtis Willeford, Managing Partner at Hansen Partners, to discuss the state of commercial real estate in a post-pandemic world.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

SVB default and a potential Fed pause?Need some more drama? – the debt ceiling debate is on its way.RHP Partners Natalie Picha and Glenn Royal talk you through what's happening in this month's Market Talk, Episode 28, and a bonus Market Flash update on the Silicon Valley Bank failure.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

The markets have started much more robust than anyone expected. What is behind this early market rally, and will it last? What moves does the fed have planned next, and does that balloon matter all that much?RHP Partners Natalie Picha, Glenn Royal, and Investment Analyst Jason Strzyzewski break down all the recent market news for you in this new podcast.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

What's in store for 2023?More rate hikes? Yes. Geopolitical uncertainty? Always. Has inflation peaked? Possibly. Listen in as Natalie Picha, Glenn Royal, and Jason Strzyzewski tell you why they are a little optimistic for 2023.Leave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

With unprecedented rate hikes and inflation this year, was 2022 all that bad?Natalie Picha, Glenn Royal, CFP®, and Jason Strzyzewski look back at 2022 and what economic conditions are waiting for us in 2023. And how about a year-end Santa Claus Rally?www.royalharborpartners.comLeave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

In Market Talk Episode 24, Natalie Picha, Glenn Royal, and Jason Strzyzewski discuss the Midterm Elections and how they may affect the markets. And what is really going on with cryptocurrency?www.royalharborpartners.comLeave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

In Market Talk Episode 23, Natalie Picha, Glenn Royal, and Jason Strzyzewski talk about the impact that this hiking cycle by the Federal Reserve has had on our real wealth. www.royalharborpartners.comLeave us a review on Apple Podcasts. We would love to hear what you think about RHP Market Talk.https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

Where are we going? That appears to be the big question.The Fed continued its hawkish tone at the late August meeting in Jackson Hole. There are 3 more Fed meetings in 2022 and we are expecting additional interest rate hikes. We will be watching very closely. In this episode, Natalie Picha, Glenn Royal, and Jason Strzyzewski look at the possible market scenarios for the remainder of the year.And if you have grown tired of our rollercoaster analogy, have you heard about the "W" pattern yet? Get to know us at: www.royalharborpartners.com

It's been a long and stressful ride in the financial markets the first half of 2022 and everyone is ready for the uncertainty to end.In our newest episode, Natalie Picha, Glenn Royal and Jason Strzyzewski compare real market data to what everyone is reading and hearing in the news. If you are having nightmares about the return of Recession 2008, the world now is a much different place. There is no need to panic. Get to know us at: www.royalharborpartners.com

Natalie Picha, Glenn Royal and Jason Strzyzewski discuss all time lows in consumer sentiment, record inflation and the Federal Reserve's largest interest rate hike since 1994. How does this all affect the average investor?  Well you wouldn't be human if you didn't fear loss. The old economy is back!Get to know us at: www.royalharborpartners.com

It has been wild in the markets these last weeks. The largest interest rate hike we have experienced since 2000. Rising inflation. Fear based stock sell offs. The drop in meme stocks.And what about a recession?Royal Harbor Partner's Natalie Picha, Glenn Royal and Jason Strzyzewski discuss the  market reaction after the May 9th Fed meeting and why they are not the least bit surprised.Get to know us at: www.royalharborpartners.com

Yes. We are still on an economic rollercoaster.Are we headed for dual supply chains and de-dollarization?Glenn Royal, Natalie Picha and Jason Strzyzewski with Royal Harbor Partners Wealth Management Jason discuss the current federal rate hike cycle, recessions, supply chains and why we should all stay the course.Get to know us at: www.royalharborpartners.com

Geo-political tensions. Inflation. Labor shortages. Interest rates. Royal Harbor Partner's Natalie Picha, Glenn Royal and Jason Strzyzewski unpack current risks in the financial markets.Get to know us at: www.royalharborpartners.com

Nobody likes insurance. But like other other aspects of your personal finances, property insurance deserves an annual review. Coverages change. Pricing changes. Royal Harbor Partners' Natalie Picha and her guest Kristin Jones of McKinney Insurance explain the difference between an independent insurance agency and a captive agency. Does an umbrella policy help high net worth clients? And if you live on the Texas Gulf Coast, there is no avoiding windstorm and flood insurance. We are sure you will enjoy this lively and informative discussion about something nobody wants but everyone has to have. Insurance!Get to know us at: www.royalharborpartners.com

In our first podcast for 2022, Glenn Royal and Natalie Picha with Royal Harbor Partners Wealth Management discuss the new year and why we should hang on tight for a roller coaster ride in the markets.Get to know us at: www.royalharborpartners.com

Why is the traditional 60/40 balanced portfolio currently the hottest topic on Wall Street?Is stagflation a real thing? Why is Glenn using salty language in the office? Maybe we should curb our enthusiasm about the economy.Listen in as Royal Harbor Partners Glenn Royal and Natalie Picha discuss all of these important questions. www.royalharborpartners.com

What exactly are the duties of an executor?  What is probate?Continuing our series of conversations on the importance of family meetings, Royal Harbor Partners' Natalie Picha and her guest Vanessa Solis-Maduzia of Waldron & Schneider Law Firm explain the process of probate in way that informs and educates.Get to know us at: www.royalharborpartners.com

It has been an interesting year for the markets. With Evergrande making waves in China. Political drama in the U.S. over a possible government shut down and a capital gains tax dominating our headlines. And that's just the beginning.In Episode 8 of 2021, Glenn Royal and Natalie Picha wrap up this year's 3rd quarter and discuss a possible year-end rally in the markets.Get to know us at: www.royalharborpartners.com

There are many reasons why you should hold regular family meetings and in this episode,  partners Natalie Picha and Michele Jones discuss financial value meetings.  Sharing values and digging deep into family dynamics can be uncomfortable but it's never too late to have that first family meeting.www.royalharborpartners.com

In this episode of RHP Market Talk, Natalie Picha and Glenn Royal are joined by special guest, Meera Pandit, CFA, J.P. Morgan, Vice President, Global Market Strategist.Meera shares her insights on international markets, housing market volatility and J.P.  Morgan's market forecast for the remainder of 2021.www.royalharborpartners.com

Don't wait!  Get excited now about how you want your estate handled and why you need to protect your assets. If you already have a will, when should you review or make changes?Royal Harbor Partners' Natalie Picha and her guest Marc Schneider of Waldron & Schneider Law Firm discuss why it is so import to plan ahead and make those hard decisions now before you leave it all for someone else.Get to know us at: www.royalharborpartners.com

If you have ever wondered what your financial advisor is talking about, listen in on a revealing and informative talk about our portfolio construction. Glenn Royal and Natalie Picha discuss the inner workings of investment portfolios, our investment philosophy, why we stress test our portfolio and what exactly are thematics.Get to know us at: www.royalharborpartners.com

In this third podcast for 2021, partners Glenn Royal and Natalie Picha help you make sense on the inflation news and why it is still dominating the media.And if you have a fear of missing out with Bitcoin, you will want to listen to what of our newest team member, Jason Strzyzewski has to say.Get to know us at: www.royalharborpartners.com

In our second podcast for 2021,  Glenn Royal and Natalie Picha discuss the most recent U.S. Market numbers on 10 year treasury yields, jobless claims and the Fed's inflation targets. How will this news affect the overall U.S. economy? Could deficit spending kill the recovery? Listen in on their in depth conversation.Get to know us at: www.royalharborpartners.com

Glenn Royal and Natalie Picha with Royal Harbor Partners Wealth Management review the dramatic 2020 U.S. economy and tell us why they are excited about 2021.Get to know us at: www.royalharborpartners.com

Listen to Partners Natalie Picha and Michele Jones as they discuss time sensitive tax, social security and retirement account updates as we near the end of 2020 in Episode 4 of RHP Market Talk.  Get to know us at: www.royalharborpartners.com

In Episode 3 of RHP Market Talk,  Glenn Royal and Natalie Picha breakdown some surprising market conditions before the pause on Wall Street next week for Thanksgiving. You will also hear from the entire Royal Harbor Partners Wealth Management team as they offer a moment of gratitude and thankfulness in a year of uncertainty.Get to know us at: www.royalharborpartners.com

In our second Market Talk episode, Glenn Royal and Natalie Picha with Royal Harbor Partners Wealth Management discuss the wild election week results and the how the stock market is reacting.Get to know us at: www.royalharborpartners.com

Glenn Royal and Natalie Picha with Royal Harbor Partners Wealth Management sat down after the final U. S. Presidential debate to discuss the upcoming elections and share their thoughts on managing investments through the current political cycles.Get to know us at: www.royalharborpartners.com