Something More with Chris Boyd Show Podcasts

IRA Age Milestones – If you have an Individual Retirement Account (IRA), are you aware of the many key age milestones? Chris Boyd and Jeff Perry take you through a chronological timeline from childhood to your mid- seventies as they discuss twelve key ages and relatively unknown opportunities related to your IRA that could boost your savings and reduce your income taxes. Click the link below to register for our upcoming webinar, “Don't leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Things to consider before buying a second home – Chris Boyd and Jeff Perry are joined by Britta Ferguson CFP®, CEPA® who is a Senior Vice President, Financial Advisor with Wealth Enhancement to explore the pros and cons of owning a second home (vacation home). The discussion begins with “try before you buy” advice and the distinction between an investment property that you may use part-time compared to a true second home that is unoccupied when you are not using it. The “math” of owning a second home is reviewed in addition to the “what- ifs” of owning property that you do not live in full time. Issues of estate planning and fractional ownership are also explored. Not all cons, the group shares some pros of having a second home. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Targets of Fraud – World Elder Abuse Awareness Day is June 15 and according to the World Health Organization, one in six people 60 years and older experience financial fraud or abuse each year. Elder fraud reports to the FBI's Crime Complaint Center have risen by 14%, with an average loss of $34K (see link below). Chris Boyd, Jeff Perry, and Russ Ball dig into the statistics and discuss the most common types of fraud. The trio also shares practical advice how to avoid scams and fraud and what to do if you become a victim. https://www.fbi.gov/news/stories/elder-fraud-in-focus For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Best Books? – Chris Boyd opens this episode with a story from his most recent trip to the dentist where the hygienist was asking for financial planning book recommendations and advice as to how she should go about finding a financial planner who is willing to work with someone who has a modest income and assets. Chris and co-host Jeff Perry suggest a wide variety of books for people at various stages of their financial journey. The dialogue shifts to the challenges of finding a financial planner. Jeff shares the three questions that everyone should ask to anyone in the financial services industry who they are considering working with. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

5 Biggest Stealth Retirement Costs – Chris Boyd and Jeff Perry review a recent article from Kiplinger's magazine (linked below) as they discuss the “Five Biggest Stealth Costs in Retirement.” The conversation begins with the notion that most people planning for retirement have a basic understanding of their future cash flow needs. Chris and Jeff dig into the costs that many people make incorrect assumptions about or ignore all together. Included in the conversation are unexpected health care costs, income tax errors, unanticipated financial emergencies, family member needs/gifts, and the long-term impacts of inflation. https://www.kiplinger.com/retirement/the-biggest-stealth-costs-in-retirement For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Don't Assume – Chris Boyd, Jeff Perry, and Russ Ball explore several financial planning assumptions people sometimes make that are often not true. The episode begins with Russ Ball outlining a new “super catch-up” for workers ages 60-64, which leads to an overall review of retirement account limits and special catch-up opportunities. Jeff shares clients' stories where two public employees incorrectly assumed they would not be eligible for Social Security. Chris brings up other topics not to make assumptions about, including beneficiaries and 401K investment allocations. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

One Big Beautiful Bill – Chris Boyd, Jeff Perry, and Russ Ball dig into the recently passed House of Representatives Budget Bill known as the “One Big Beautiful Bill.” The trio discusses the key items in the Bill, including making the Tax and Job Act income tax reductions permanent, eliminating taxes on overtime and tips, and increases in border and military spending. Jeff notes that the promises of significant reductions in Federal spending were not achieved in the House Bill. Chris and Russ offer thoughts on the likelihood of the House version passing in the Senate. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Navigating Economic Waves: A Portfolio Strategy - Brian Regan joins Chris Boyd and Jeff Perry to discuss a recent article Brian authored (see link below) which suggests that staying calm and ensuring that investment strategies are robust and adaptable, one can weather the economic “storms” triggered by tariff policy and related economic news. Brian comments that, “Just like a well-prepared vessel can withstand the might of the Atlantic, a thoughtfully managed portfolio can endure and thrive amidst economic turbulence.” https://www.thestreet.com/retirement-daily/your-money/navigating-trumps-economic- waves-a-portfolio-strategy-for-investors For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

IRA Beneficiaries: Who Inherits What and When? – Just back from the Ed Slott Conference, Chris Boyd shares his in-depth commentary on how the Secure Act changed rules for distributing assets from an inherited IRA. Chris is joined by co-host Jeff Perry as they explore the sometimes confusing and technical rules of the three distinct categories of IRA beneficiaries. Chris outlines the basic rules as he points out that there are exceptions to be aware of. Jeff highlights the need for financial advisors to collaborate with client's income tax preparers and estate planning to not only avoid unnecessary taxes and penalties, but to have all the pieces work together as part of a comprehensive financial plan. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Mail Bag – Jeff Perry and Russ Ball dig into the Team AMR Mail Bag and answer questions from listeners. Included in this episode are, “I have read that my household expenses will go down when I retire, but I don't understand why.” “I know that I need a Will, but don't know who in my family I should choose to take care of my estate.  Who should be my Personal Representative/Executor?” “I'm 49 years old and have nothing saved for retirement - what should I do?” Listen in as Jeff and Russ offer their advice and commentary to each of these listener questions. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

College Planning – As it is the time of year for high school and college graduations, Jeff Perry and Russ Ball discuss a wide variety of topics regarding planning for college. The conversation begins with the use of 529's as the foundation for most families to save for future educational expenses. Jeff outlines the basics of how a 529 plan operates and the benefits of using one. Jeff & Russ next explore the factors that go into making the choice of which college is right for your student. Finally, the topic of how to pay for college and common mistakes people make in this process. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

BUFFETT! – With the recent retirement announcement from Warren Buffett, Chris Boyd, Jeff Perry, and Brian Regan reflect on the amazing life and the many financial lessons of Warren Buffett. Brian leads the conversation with a brief biographical summary of Buffett's early years and reflections of how Buffett influenced his views on investing. Jeff weighs in with Buffett's dislike of using leverage and specifically credit cards. Chris ends the episode discussing how Buffett plans to distribute his wealth through the “Giving Pledge.” For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Yellin & the News – After attending the CFA Society of Boston Annual Market Dinner, Chris Boyd offers his thoughts from Janet Yellen's keynote speech. Chris reviews Yellen's negative views on broad-based tariffs and other policies of President Trump. Jeff Perry joins the conversation as it shifts to other items in the news including more on tariffs, the Federal Reserve interest rate decision, new employment data, corporate earnings and a lack of guidance from CEO's. The episode ends with thoughtful commentary from Chris about what an investor should do during these uncertain economic and political times. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Raising a financially literate child – Jeff Perry and Russ Ball offer suggestions and commentary about positive way to pass on personal finance lessons and values to your children through various stages of development. Jeff & Russ discuss the importance of positive role modeling (or at least not negative), explaining the three purposes of money, use of allowances, at what age is a debit card appropriate, value of a part-time job, and learning about compound interest and investing. Russ and Jeff share personal anecdotes and stories of what childhood lessons are still with them today. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Annual reviews and why you need one – You have probably heard all the reasons why you need a comprehensive financial plan. In this episode Jeff Perry and Russ Ball discuss why it is critical to review your plan at least annually. Topics covered include responding to life changes, investment objectives, time horizons, liquidity needs, risk tolerance, cash-flows, life insurance needs, legacy planning, and more. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Mr. Market is both charming and bipolar – With all the recent volatility in the stock market, Jeff Perry and Russ Ball discuss a recent article published in BottomLine magazine which highlights the investing lessons from Benjamim Graham, who authored “The Intelligent Investor” in 1949. Jeff & Russ outline the lessons from Mr. Graham who describes “Mr. Market” as a bipolar fellow, very charming but suffering from incurable emotional problems. Some days, he shows up feeling euphoric and will sell to you only at unreasonably high prices. Other times, he is panicked for no obvious reason and desperate to sell at any price. Listen in to the lively and fun conversation. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Federal Employees: Retirement & Layoffs - Planning during DOGE – with Brian Kuhn, CFP – With all the recent news stories concerning workforce reduction and changes that Federal employees may be facing, Chris Boyd welcomes fellow Wealth Enhancement Certified Financial Planner Brian Kuhn to the podcast. Brian provides an overview of the retirement system and benefits provided to Federal employees. Chris Boyd and Jeff Perry ask for Brian's commentary on recent incentives for early retirement and the likely elimination of remote work for Federal employees. Brian offers his suggestions for Federal employees who are concerned about a potential job loss related to DOGE. To learn more about Brian Kuhn, check him out at: https://www.linkedin.com/in/briankuhncfp/ For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

What's the Buzz? Recent Lessons – Chris Boyd, Jeff Perry, and Russ Ball discuss the economic and market news of the week, including the continued stock market volatility, tariffs, the Federal Reserve, unemployment data, consumer sentiment, and inflation. The trio outlines why having a financial plan is so critical in uncertain times. The conversation goes on to a discussion about how people make investments decisions within an employer-sponsored retirement plan, including the pros and cons that come with using target date funds. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Do I need to know about NUAs? - Andy Ives, CFP®, AIF® from Ed Slott and Company joins Chris Boyd and Jeff Perry for an interesting conversation about Net Unrealized Appreciation (“NUA”). NUAs are a powerful tool for people having employer stock in company plans. The discussion digs into how the gains from an employer stock program can be distributed according to the NUA rules and be subject to long term capital gain taxes. Andy shares the “triggering” events of when the rules apply, and common mistakes people make. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

GO SOMEWHERE - Colin Stroud – Travel expert and advisor on how to best use your credit card points and airline miles Colin Stroud joins the AMR Team for a highly informative and entertaining travel related episode. In this episode you will learn more about why flexible bank cards are a favorite, should you use one credit card or many cards to earn the most benefits, should you “buy points,” and what are arbitrage opportunities? Chris and Kristen Boyd dig into these issues and more. You won't want to miss this episode if you are looking for money-saving tactics using your miles and points! To learn more about Colin Stroud, please visit his website: https://www.gosomewhere.world/ For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

What A Week! So, Is It Over? – With seemingly endless announcements on tariffs and the related stock market volatility, Chris Boyd, Jeff Perry, and Brian Regan discuss what a wise investor should do in the midst of the uncertainty. Chris and Jeff attempt to summarize the recent developments of President Trump's tariff policy. Chris plays a clip from a previous episode where he and Professor Jeremy Siegel discuss whether a trade imbalance is a good or a bad thing. Brian outlines tactical moves he has taken for clients. Jeff shares the need to have a financial plan, and Chris discusses the Team's asset allocation strategy. Other issues debated in this episode include the impact on the dollar, employment data, and what is really “free trade.” For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Attorney Keats Boyd joins Chris Boyd and Jeff Perry for a lively conversation on the recent tariff policies of the Trump administration and how they could relate to your estate planning. In addition to tariffs, estate planning topics discussed include the “Golden Funnel,” multi- generational wealth, estate taxes, income taxes, using a LLC for your estate planning, and more. To reach Attorney Keats Boyd, please call his office at 508-775-7800 or click the link below: https://www.boydandboydpc.com/ For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

 Chris Boyd, Jeff Perry, and Russ Ball discuss the breaking news of the new tariffs known as “Liberation Day” imposed by President Trump. With the increased market volatility created by the Trump tariff announcement, Chris, Jeff, and Russ discuss whether it is time to reduce exposure in the stock market or is it time to add funds while the market is in correction territory. Chris highlights that investors might wish to review their asset allocation. Jeff reviews that the bond market has performed well in recent months and how this is a reminder that investors can benefit from diversification among asset classes. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Losing your parent is a profound event. While one will certainly suffer the emotional impacts, there are also important financial actions to take immediately. Protecting your parents' legacy by managing their finances after their death is one of the most critical ways to honor their legacy. Chris Boyd, Jeff Perry, and Russ Ball discuss this sensitive issue and offer their own personal stories, thoughtful advice and lessons. Chris also details about inheriting an IRA from a loved one and the various rules surrounding beneficial accounts in general. For additional information on this topic, please click the links below: https://www.library-messages.com/c9de15f9-d73a-4df0-953d-174013937f10/resource- center/estate/a-checklist-for-when-a-spouse-or-parent-passes https://www.wealthenhancement.com/s/blog/what-to-do-after-a-parent-dies- MCILZXAWMCNVEJHHPLEXZJDK5G54 For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Recession? – Chris Boyd welcomes Jeff Perry and Brian Regan for an in-depth discussion whether the US economy is heading into a recession. Chris begins the conversation with a detailed explanation of the definition of a recession, which may not be as simple as it seems. The trio reviews recent related economic news, including the potential impact of Trump tariffs, inflation, employment data, retail sales, potential of a reduction in government spending, and consumer confidence. Brian offers his expert commentary about the risks of an economic slowdown in the near future. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Social Security: To start or not to start, that is the question! – Deciding when to claim your Social Security benefits might appear to be a simple decision, but making the wrong decision can have a significant impact on your financial plan and your income taxes. Chris Boyd, Jeff Perry, and Russ Ball have an in-depth discussion and respond to the concept of taking Social Security at the earliest possible age and investing the monthly benefit. Chris, Jeff, and Russ remind listeners that it is always best to seek the advice of your financial advisor when making decision when to claim Social Security. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Donor Advised Funds – If you are charitably inclined, you are likely interested in maximizing your contribution to your favorite organizations while realizing the largest potential tax reduction. Chris Boyd, Jeff Perry, and Russ Ball dig into the benefits of using a Donor Advised Fund to help with your charitable giving with a flexible strategy that can offer significant income tax savings. The trio also discusses the legacy benefits of including family members with the decisions of a family-centered Donor Advised Fund. If you would like to receive a complimentary guidebook of Donor Advised Funds, please contact Chris Boyd or Jeff Perry, by clicking the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

5 signs it is time to retire – Retirement means different things to different people. Some people have been planning and preparing for years with a clear retirement date in mind. For others, it is less etched in stone. But either way, if you are thinking about retiring anytime soon, there are signs to consider. Chris Boyd and Jeff Perry review a recent Kiplinger's article (see full article linked below), which asks are you emotionally ready? Have you saved enough? Do you have a post-retirement plan? Can you handle your bank account depleting? Have you talked with your spouse? Listen in as you might be surprised where the conversation goes. https://www.kiplinger.com/retirement/retirement-planning/five-signs-its-time-to-retire-in- 2025 For more information or to reach Chris Boyd or Jeff Perry, click

With this week marking five years since Covid related shutdowns, Chris Boyd, Jeff Perry, and Russ Ball begin this episode with reminiscing of where they were five years ago and sharing the related personal and financial lessons. The trio explores the similarities of current stock market movements with the recent tariff policy to the uncertainty caused by Covid. The value of working with a financial advisor during turbulent times is discussed, including financial and behavioral consideration. Chris closes out the segment explaining why having a comprehensive financial plan is critical to long-term financial success. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

 Being in the heart of income tax time, Chris Boyd, Jeff Perry, and Russ Ball remind listeners of key upcoming filing dates and related retirement account contribution limits. Jeff and Russ discuss the differences between traditional IRAs and Roth IRAs. Chris explains the use of a “back door” Roth IRA and Roth conversions. Chris also advises listeners how 1099's work with Qualified Charitable Distributions (QCDs). Chris ends the episode with an offer for a complimentary Finance Fact Sheet to anyone who emails the show. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

With all the market volatility related to tariffs, Chris Boyd invites Senior Portfolio Manager Brian Regan on the podcast. Also joining the episode is Jeff Perry and Russ Ball. Chris and Jeff open the show with a summary of the latest tariff moves by President Trump as well as commentary why tariffs can be an effective or harmful tool in political and economic arenas. Brian responds to questions from the AMR Team related to his views about the impacts of tariffs on the stock market, inflation, and corporate earnings. Brian also reviews recent positive moves in fixed-income assets. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

 The founders of Back Nine Nurses, Deborah O'Kelly and Kristen Hyde join Chris Boyd and Jeff Perry for an in-depth conversation about how they are responding to the growing needs of senior citizens and their families for trusted, personalized, and compassionate navigation during times of transition and uncertainty related to aging. Topics include homecare, assisted living, medical advocacy, hospice, and the need for advanced estate and family planning. Deborah and Kristen offer suggestions on looking for warning signs and how best to react. For more information, see the link below: https://www.backninenurses.com/ For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Chris Boyd and Jeff Perry welcome Dr.Laura Mattia to the podcast. The conversation focuses on the premise that while money is not the key to happiness, using it wisely can help us pursue our dreams, elevate our status, gain independence, and contribute to meaningful change in the world. The trio digs into why many married women are not involved in the personal finance and investment decisions of their household and the risks associated with such disengagement. For more information about Dr. Mattia, see the link below: https://www.moneymatriarchs.com/   For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Is 80% enough? – Chris Boyd and Jeff Perry explore the question of how much you will likely be spending in retirement. The pair begins the conversation with the age-old rule that retirees only need 80% of their pre-retirement income in retirement. Chris and Jeff explore the “retirement smile” and how it can be a good predictor of retirement cash flow. More than just a podcast about money, Chris and Jeff discuss the various ways many retirees over and under spend their expected retirement funds. Chris puts the entire episode into why having an annual review with your financial planner is critical to staying on course in retirement. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

  Family Planning – not what you are probably thinking? – Families talk about finances in different ways. Some are incredibly open about the realities of their financial situations; some only discuss it when they need to; others consider talking about money as off-limits. If your family isn't having open and honest conversations about finances and wealth, it's time to reevaluate. Chris Boyd and Jeff Perry dig into these issues and more as they offer their commentary and advice on including family members in your financial and estate planning. See related article linked below: https://www.wealthenhancement.com/s/blog/empowering-your-future-financial-planning- for-parents-with-adult-children-MC2WSGEA7ZQVCOXA2OJ5DP3ZAQPA For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

Challenges to an early retirement – Chris Boyd and Jeff Perry explore the risks and challenges to retiring early. Chris and Jeff start the episode with how some clients have an undefined desire to retire early, and frequently fail to consider the various details. Chris outlines why savings must be abundant as an earlier retirement means not only spending sooner, but also fewer years of savings and less compounding as you spend assets. Chris and Jeff discuss the need for greater tax diversification, especially if retiring before age 59 ½. Chris explains the option of using Equal Periodic Payments. Chris and Jeff explore the need to plan for how you will manage health care insurance and costs, as well as the long-term impacts of inflation. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Fires - Are You Properly Covered? – With the recent fires in California, many homeowners across the country are wondering if they are properly covered. Chris Boyd welcomes Special Guest Doug MacDonald, CPCU to the episode. Joining them is Jeff Perry. The conversation begins with an outline of what homeowners' insurance covers and what it does not. Specific topics reviewed include coverage limits, earthquakes, and flood risks. Doug offers advice concerning the value of a guaranteed replacement endorsement. For more information about Doug MacDonald, check out the link below: https://riskadvice.com/ For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

How much can I take? – How retirees determine a safe withdrawal rate is one of the most frequent questions clients ask their financial advisors. Chris Boyd, Jeff Perry, and Russ Ball review a recent Morningstar article (see link below). The conversation includes the pros and cons of relying on the standard rate of 4% as well as the risks of using stagnant rules in financial planning. Jeff raises the concept of cash flows as suggested by the “Retirement Smile” concept and Chris highlights the need for determining an annual withdrawal amount in the context of a comprehensive financial plan. https://www.morningstar.com/retirement/how-retirees-can-determine-safe-withdrawal- rate-2025 For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Free Yourself – Chris Boyd, Jeff Perry, and Russ Ball dig into the value of time and when engaging a financial advisor can have a meaningful impact on free time as well as your financial plan. The trio share commentary how handing over the reins of your portfolio can reclaim precious hours, rediscover your passions, and live a life enriched by experiences and moments that money alone cannot buy. The AMR Team is offering a complimentary guidebook titled, “Unleashing your time: The unexpected freedom of delegated investing.” For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

What's new for Social Security in 2025? – With some 73 million Americans relying on Social Security for monthly income, there is a lot of interest in the recent changes to Social Security benefits. Jeff Perry and Russ Ball discuss the recent updates, including the repeal of the Windfall Elimination Provision (WEP), 2025 cost of living adjustment, and changes to income levels related to income taxes. Jeff and Russ informed listeners how to check on their future benefit estimates. Jeff and Russ also discuss best practices for retaining important documents, including income tax supporting data, military records, and more. Check out our previous podcast on Social Security Fairness and the repeal of WEP: https://somethingmorewithchrisboyd.libsyn.com/social-security-fairness For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

To convert or not…that is the question – If the title of this podcast captured your attention, let us be clear from the outset that there will not be any religious recruitment efforts forthcoming. What we will be digging into is the question of whether you should convert some or all of your assets from a traditional individual retirement account (IRA) to a Roth IRA. Jeff Perry and Russ Ball explore the advantages of a Roth conversion as well as some reasons why it may or may not be the right time for you. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr https://www.thestreet.com/retirement-daily/saving-investing-for-retirement/roth-ira-conversions- strategic-retirement-savings      

Will your wishes be followed – Inspired by the HBO/MAX series The PITT, Chris Boyd, Jeff Perry, and Russ Ball discuss the need for a comprehensive estate plan and how families can sadly be torn apart without appropriate planning. Jeff reviews the foundational documents of an estate plan. Chris and Russ outline the family conflict that is present in The PITT. The dialogue continues with suggestions how family strife can be avoided with the correct documents in place and how family communications and meetings are often advisable during the financial and estate planning process. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Navigating life's milestones – Chris Boyd opens this episode with sharing a personal story concerning the recent passing of his first financial planning client. Chris, Jeff Perry, and Russ Ball discuss how working with a financial planner in the different seasons of life can provide great benefit. The trio offers further commentary of the various ways a financial planner can assist individuals/families who are just getting started, building wealth, preparing for retirement, living in retirement and in estate and legacy. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Trump's Taxes, Tariffs, Immigration & the Market – With the inauguration of President Trump, the focus is shifting from political rhetoric to actual governing. Chris Boyd, Jeff Perry, and Russ Ball dig into the likely economic policies of President Trump and how they may impact the financial markets. Topics include, income taxes, tariffs, immigration, deregulation, cryptocurrency, budget deficits/debt, and TikTok. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Dogs of the Dow – In this episode, Chris Boyd and Team AMR look into the Dogs of the Dow strategy where an investor annually invests in the ten stocks with the highest dividend yield listed on the Dow Jones Average. Senior Portfolio Manager Brian Regan offers commentary of why this strategy is not the best option for investors who wish to own individual stocks. The conversation includes dialogue about investing for value versus growth. Chris Boyd and Brian share their thoughts on preferred methods of evaluating and investing in stocks. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Want to Buy or Sell a Business? – Owner of Compass Business, LLC Doug Cabral joins this episode for an in-depth conversation on the process and challenges of buying and selling a small business. Doug, Chris Boyd, Jeff Perry, and Russ Ball dig into a variety of issues involved, including maintaining confidentiality, putting a valuation on an ongoing small business, whether a franchise is a good option, and financing a transaction. Doug also explains the difference between a buyer who is looking for a job and a buyer who is seeking an investment. For more information about Doug Cabral, click the link below: https://compassbusiness.net/ For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Social Security Fairness – With the repeal of Social Security's Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), Chris Boyd, Jeff Perry, and Russ Ball share this breaking news and what it means to over three million people who will see an increase in benefits.  The discussion starts off with a review of the 30+ year history of these provisions.  Jeff outlines the average benefit increases while Chris provides his commentary on the long-term outlook and need for overall reform to the Social Security system.   For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:  https://www.wealthenhancement.com/s/advisor-teams/amr  

The rise of the ETF – Chris Boyd shares his commentary about the increasing use of Electronically Traded Funds (ETFs). Chris references a recent paper by JP Morgan which shows that ETFs are not just being used for a passive style of investing. Chris explains how ETFs and Mutual Funds are structured. Jeff Perry and Chris outline the pros and cons of using an ETF for actively managed funds, including the ease of buying/selling, underlying costs, and tax efficiency. Chris and Jeff explore the long-term prospects of Mutual Fund products. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

A New Year – Chris Boyd, Jeff Perry, and Russ Ball review 2024, including stocks, bonds, real estate, and cryptocurrency. The trio offers their forecasts for 2025 and provide some perspective on how market trends and economic cycles do not last forever and assets tend to revert back to the mean level over time. The conversation turns to the importance of financial planning in the context of volatile markets. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Do you have a Goal? – It is time to think about 2025 New Year's resolutions and goals. Chris Boyd and Jeff Perry share their personal perspectives on setting goals in all areas of one's life. The duo shares why using the SMART goal planning system can be the most effective method. Jeff uses the example of having the goal to save for future college expenses of a child or grandchild. Chris explains how goals play such a critical part of having a successful long-term financial plan. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Annual Reviews/Know Your Numbers – As we close out 2024 and enter a new year, it is a great time to meet with your financial advisor and conduct a holistic review of your financial plan. Jeff begins by outlining having your personal Net Worth Statement and Cash- Flow/Budget. Chris explains in detail the elements of a comprehensive financial plan, including reviewing life changes, investment objectives, risk tolerance, time horizon, and liquidity needs. Chris and Jeff also suggest streamlining your financial and bank accounts to ensure efficiency and effectiveness. Jeff mentions how your estate planning and life insurance needs are a part of a complete financial plan. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr