Six Minutes of Wisdom

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This podcast is a series of conversations between Randy Stary, Senior Investment Consultant at Baird, and his team members. It focuses on investments, financial planning and personal finance. The intent is to keep the conversations short and meaningful.

Randy Stary


    • May 15, 2025 LATEST EPISODE
    • monthly NEW EPISODES
    • 11m AVG DURATION
    • 70 EPISODES


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    Latest episodes from Six Minutes of Wisdom

    8,000 Days

    Play Episode Listen Later May 15, 2025 9:40


    Each new phase of life comes with a new mindset, new goals, and adjustments to your financial plan. Tune in to this month's episode of Six Minutes of Wisdom where Ross and Cynthia discuss the psychological factors and preparation involved in managing important life events. 

    The Psychology of Money

    Play Episode Listen Later Apr 15, 2025 9:57


    On this month's episode of Six Minutes of Wisdom, Ross and Cynthia explore the psychology of money and how our emotions and way of thinking can influence our financial decisions.

    Headline Havoc

    Play Episode Listen Later Mar 17, 2025 10:14


    We've seen a lot of volatility in the market this year and the headlines in the news are only inflating concerns. Ross and Cynthia take this opportunity to touch on navigating the negativity and maintaining composure in uncertain market conditions.

    One Year Look Back

    Play Episode Listen Later Feb 18, 2025 22:09


    It's been one year since Randy's retirement. On this month's episode of Six Minutes of Wisdom, Randy joins Ross to look back on his process of succession planning and retirement.

    Reflections and Resolutions

    Play Episode Listen Later Jan 16, 2025 10:01


    With the new year upon us, Ross and Cynthia discuss the process of reflection on the past and forming new habits to generate positive change for the future.

    Crucial Conversations

    Play Episode Listen Later Dec 18, 2024 11:54


    As Christmas quickly approaches, Ross and Cynthia reflect on some of the conversations that may arise while gathering with family and friends during the Holiday season. While these conversations can sometimes be difficult, they are crucial to ensuring our loved ones get the care they need.

    Giving Thanks

    Play Episode Listen Later Nov 15, 2024 5:32


    The season of Thanksgiving is upon us once again! On this month's episode of Six Minutes of Wisdom, Ross, Cynthia, Kristi and Preston discuss what they're most thankful for this year. 

    Snowbirds

    Play Episode Listen Later Oct 21, 2024 16:11


    On this month's episode of Six Minutes of Wisdom, Ross and Cynthia are joined by a special guest that discusses his considerations and experiences on becoming a “snowbird”.

    Estate Planning Essentials

    Play Episode Listen Later Sep 16, 2024 22:27


    On this month's episode of Six Minutes of Wisdom, Ross and Cynthia are joined by Senior Estate Planner Jim Guckenberg to discuss some of the essentials to the estate planning process.

    Handling Volatility

    Play Episode Listen Later Aug 15, 2024 9:40


    With the recent volatility in the market, Ross and Cynthia take this opportunity to discuss some of the reasons behind this volatility and how to appropriately handle it. 

    To Break, or Not to Break?

    Play Episode Listen Later Jul 15, 2024 11:26


    Let's play a game! In this month's installment of Six Minutes of Wisdom, Ross and Cynthia discuss some common rules of thumb on managing finances and they both weigh in on whether or not these rules should be broken.

    The Downside of Delayed Gratification

    Play Episode Listen Later Jun 17, 2024 10:44


    In this month's installment of Six Minutes of Wisdom, Ross and Cynthia discuss the delicate balance between delayed gratification and spending your savings to reap the benefits.

    529 Day

    Play Episode Listen Later May 15, 2024 11:55


    May 29th is 529 day! Tune in to this month's episode of Six Minutes of Wisdom where Ross and Cynthia discuss 529s, financial aid, and some of the recent regulation changes.

    Magic Number

    Play Episode Listen Later Apr 17, 2024 9:45


    How much money do you need to retire? How long will it take to get there? Tune in to this month's episode of Six Minutes of Wisdom where Ross and Cynthia discuss the topic of the “Magic Number”. Click the picture below to listen!

    Considerations for Tax Season

    Play Episode Listen Later Mar 18, 2024 10:45


    With tax season in full swing, this month's episode of Six Minutes of Wisdom features Ross and Cynthia who discuss a few topics to consider when it comes to taxes.

    The Early Days of Retirement

    Play Episode Listen Later Feb 15, 2024 15:04


    On this month's episode of Six Minutes of Wisdom, special guest Randy Stary joins Ross and Cynthia to discuss his transition into retirement.

    The Good and the Bad

    Play Episode Listen Later Jan 16, 2024 12:11


    Tune in to this month's episode of Six Minutes of Wisdom. This time, Ross and Cynthia discuss some of the highlights and lowlights of last year and some things to look forward to in the year ahead.

    Randy's Ruminations

    Play Episode Listen Later Dec 15, 2023 22:20


    As Randy's time at Baird nears its end, he thinks back to some of the harder times and the lessons learned over the years.

    Gratefulness

    Play Episode Listen Later Nov 15, 2023 7:52


    It's that time of year again! Tune in to this month's episode of Six Minutes of Wisdom where the team discusses some of the things on their minds that they are grateful for this year.

    I Wish I Knew Then...

    Play Episode Listen Later Oct 16, 2023 14:54


    You know what they say.. Hindsight is 20/20. Tune in to this month's episode of Six Minutes of Wisdom where Cynthia, Ross and Randy discuss some of the things they know now that they wish they knew then.

    50!

    Play Episode Listen Later Sep 15, 2023 10:35


     Join Ross, Cynthia and Randy for a special episode of Six Minutes of Wisdom! This time, the group joins guest speaker Michael Antonelli as they discuss pickleball, investing and more! 

    Back to School

    Play Episode Listen Later Aug 17, 2023 10:53


    It's almost time to send our kids back to school! With that in mind, Cynthia, Ross and Randy discuss a few different tax-advantaged strategies that can be used to save for college expenses.

    The 40-Year Milestone

    Play Episode Listen Later Jul 19, 2023 11:34


    On this month's episode of Six Minutes of Wisdom, someone on the team is hitting an important milestone! Cynthia, Ross and Randy also touch on saving over time and the power of compounding.

    First-Time Home Buying

    Play Episode Listen Later Jun 15, 2023 15:25


    This month on Six Minutes of Wisdom, Ross, Cynthia and Randy are joined by Preston to discuss the process of buying a home! The team discusses mortgage rates, house pricing and much more.   *Disclosure: Baird does not provide tax, legal or real estate advice and does not provide or service mortgages.*

    CD Laddering

    Play Episode Listen Later May 15, 2023 12:35


    This time on Six Minutes of Wisdom, Cynthia, Ross and Randy discuss the strategy of laddering bonds and CDs and how effective this can be in an environment with high interest rates.

    Spring Cleaning

    Play Episode Listen Later Apr 17, 2023 8:26


    Tune-in to this month's episode of Six Minutes of Wisdom. This time, Ross and Cynthia are on to discuss the topic of Spring Cleaning as it pertains to our finances and a particular tool that Baird provides to help with this.

    Tax Windfall - Save It or Spend It?

    Play Episode Listen Later Mar 15, 2023 13:12


    Are you getting a tax refund this year? What will you do with it? Tune-in to this month's episode of Six Minutes of Wisdom where Ross, Cynthia and Randy discuss taxes and what to do with your refund. 

    Changing the Oil

    Play Episode Listen Later Feb 15, 2023 8:50


    Dentist appointments, physicals and the periodic oil change – there are many things in our lives that need our attention on a regular basis. One of those things that we should be checking in on is our 401k! In this episode, Ross, Cynthia and Randy discuss the importance of monitoring our 401k and what we can be doing to keep it running smoothly.

    Retiring Into a Potential Recession

    Play Episode Listen Later Jan 16, 2023 10:29


    Randy's retirement is now less than a year away! With that in mind, the team discusses the market outlook for the coming year and how a potential recession could impact retirement preparation. 

    Tales from the Crypt-O

    Play Episode Listen Later Dec 19, 2022 10:46


    With the recent news of the FTX debacle, Ross, Cynthia and Randy discuss cryptocurrencies and other speculative investments and stress the importance of sticking to the meat and potatoes.

    Grateful

    Play Episode Listen Later Nov 15, 2022 10:05


    Thanksgiving is nearly upon us! In the spirit of the season, the team discusses everything they have to be grateful for, the benefits of being grateful, and how they practice this virtue in the workplace. 

    Making Lemonade

    Play Episode Listen Later Oct 14, 2022 12:31


    With the recent market volatility, it's easy to develop a negative attitude, but there are still things we can be doing to remain productive. Click the picture below to listen to Ross, Cynthia, and Randy discuss what we can be doing to make the most out of a bear market.

    September Blues

    Play Episode Listen Later Sep 14, 2022 8:11


    In this episode Ross, Cynthia and Randy discuss the common phenomena of a fidgety market in the month of September.  What might becausing this and how should we react?

    Electronic Legacy

    Play Episode Listen Later Aug 15, 2022 12:04


    Randy, Ross and Cynthia discuss how to name legacy contacts on various internet platforms.  What happens if you die?  Do your family members know how to access all of your passwords?  As our lives become more intertwined with the internet, we need to make preparations for our eventual passing.

    Anecdotes of Inflation

    Play Episode Listen Later Jul 14, 2022 10:56


    Inflation seems to be tops on everyone's mind these days.  Ross, Cynthia and Randy discuss their inflation issues.  Whether it's buying groceries, clothes for the kids or rennovating a home, we are all feeling the impact on the family budget.

    Investing and Your Behavior

    Play Episode Listen Later May 18, 2022 17:59


    Ross, Cynthia and Randy converse with Mike Antonelli.  He is our resident blogger, futurist and psych coach.  Markets are tough.  What do we do?

    You Have the Power!

    Play Episode Listen Later May 13, 2022 11:38


    The JS Group discusses Power of Attorney documents and their importance for young and old alike.

    The Master Calendar

    Play Episode Listen Later Apr 15, 2022 9:33


    Ross, Cynthia and Randy discuss the Master Calendar.  This is not our original idea, but it makes sense to keep track of things that need to be done routinely.  When was the last time you cleaned behind your fridge?  That's what we thought!

    Save with Tech on P&C Insurance

    Play Episode Listen Later Mar 16, 2022 14:02


    Cynthia, Ross and Randy interview Brian Jagodinsky.  Brian is a property and casualty insurance agent.  He tells us how certain techologies in our home can help us save on our homeowners insurance.  A number of us have these technologies already and have not informed our agent to receive the requisite savings.

    In Plain Sight!

    Play Episode Listen Later Feb 15, 2022 8:38


    Cynthia, Ross and Randy discuss a fixed income investment that is available to everyone but you can't get from your financial advisor.  Better yet, it is the high rate, lower risk investment everyone asks for. 

    Vision, Habits and Discipline

    Play Episode Listen Later Jan 14, 2022 6:43


    Cynthia, Ross and Randy of The JS Group at Baird discuss how success with goals depends on good habits and discipline.  Randy learns what a "Vision Board" is.

    Things to Remember in December - 12 2 21 9.55 AM

    Play Episode Listen Later Dec 15, 2021 7:58


    Cynthia, Ross and Randy discuss some strategies to consider in December.  What should you do to shield income?  Getting a bonus?  Maybe there is something to consider to avoid additional taxes in April.

    Time for Benefit Enrollment

    Play Episode Listen Later Oct 29, 2021 9:51


    Ross, Cynthia and Randy of the JS Group discuss your benefit enrollment options and some things you should consider at this time of year when that enrollment email comes.

    Are You Leaving Money on the Table?

    Play Episode Listen Later Oct 15, 2021 6:36


    Ross was so worried about his greeting that he didn't introduce himself.  So, Ross Johnson, begins the podcast by talking about the time of year that is important to seniors.  Open enrollment.  Now is the time to check your premiums.

    No Long Term Care?

    Play Episode Listen Later Sep 14, 2021 8:36


    Cynthia, Ross and Randy of the JS Group discuss the tie-in between Social Security and your Long Term Care.

    Pillars of Business Success

    Play Episode Listen Later Aug 13, 2021 9:03


    Cynthia, Randy and Ross discuss the issues you need to think about as you decide to start a business.

    Uncovering Opportunity

    Play Episode Listen Later Jul 15, 2021 7:20


    Ross, Cynthia and Randy discuss how they have uncovered opportunities for clients to reduce expenses and taxes.  They encourage you to ask your advisor for advice on many things you may not realize they can assist with.  If they can't assist from past experience, they may be able to refer you to a professional who can help.

    Please Don't Put Me in a "Home"!

    Play Episode Listen Later Jun 15, 2021 20:37


    Cynthia initiates a discussion with Ross and Randy regarding the  process Randy is using when assisting his father with the selection of assisted-living facilities.  We discussed the tone of the conversation as well as what steps needed to be taken so that the family member is in agreement with the ultimate transition.

    Pay Stub

    Play Episode Listen Later May 15, 2021 15:17


    Ross, Cynthia and Randy dissect a pay stub.  We review all of the pretax and after-tax withdrawals that occur before you finally see the final amount hit your bank account.  How can you maximize the benefits from some of these deductions?  We'll get into the weeds on that.

    Health Savings Accounts

    Play Episode Listen Later Apr 16, 2021 12:12


    Ross, Cynthia and Randy of the JS Group at Baird discuss the advantages of participating in a HSA account.  Why should younger individuals be thinking about this as an important investment and tax avoidance tool?

    Social Media Frenzy

    Play Episode Listen Later Mar 16, 2021 11:23


    While Ross tested his mental acuity by taking the CFP® exam, Cynthia and Randy discussed the recent hysteria over stock manipulation with social media posts.  Please don't try this at home!

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