The Retirement Learning Lab, with Van Richards, ChFC®

In this enlightening episode of The Retirement Learning Lab, host Van Richards tackles one of retirement's most universal challenges: transforming uncertainty into confidence. Drawing from over 30 years of experience helping people prepare for retirement, Van addresses those middle-of-the-night worries that plague so many pre-retirees.Have you ever lain awake wondering if your retirement savings will be enough? Do you feel that knot in your stomach when faced with conflicting financial advice? You're not alone. As Van reminds us, "No one should have to live with the fear of retirement insecurity."This episode introduces Van's powerful three-step framework for retirement transformation:1. ORGANIZE: Gather your financial information, clarify your retirement vision, and establish a solid foundation for planning. Think of this as preparing your roadmap and understanding your starting point and destination.2. LEARN: Discover the six major risks that can derail your retirement and develop specific strategies to address each one. Knowledge truly is power when preparing for future challenges.3. CONTROL: Master proven approaches to create sustainable retirement income, manage investments wisely, and make smart decisions about when and how to retire.Van illustrates these concepts with a compelling personal story about getting lost before the GPS era, highlighting how proper guidance dramatically reduces anxiety and helps avoid catastrophic wrong turns on your retirement journey.The benefits of this transformation extend far beyond financial security. Listeners will learn how to:Gain clarity by focusing on information that truly mattersBuild genuine confidence in retirement decisionsExperience the peace of mind that becomes increasingly important with ageFind freedom to enjoy retirement without constant financial worryDevelop resilience to handle life's inevitable surprisesVan emphasizes an important principle: if you can't explain your retirement strategy to a 12-year-old, it's too complicated. As he notes, "When you reach your 70s, 80s, 90s—even 100—complicated isn't a good thing."This episode serves as an introduction to upcoming deep dives into each aspect of the framework. Van will address three essential questions throughout the series:How can retirement planning help you gain security—and what does it entail?What specific risks will you face during retirement, and how do you plan for them?How can effective retirement planning pay off for you and your family?Remember, as Van says, "The path from insecure to in control starts with a single step." This episode is that first step toward your retirement transformation.Note: This podcast provides educational information only and does not constitute investment, legal, or financial advice.

Are you avoiding planning for retirement because it feels overwhelming? You're not alone. In this episode of The Retirement Learning Lab, host Van Richards tackles retirement anxiety head-on with practical, actionable strategies to transform your financial future.Recent surveys show a troubling 79% of Americans believe we face a retirement crisis, with the median retirement account balance for households ages 55-64 at just $185,000. But Van explains why it's never too late to start building confidence about your financial future, whether you're 33 (the average age of first-time investors) or already nearing retirement.In this information-packed episode, you'll discover:The four specific areas of retirement concern you must plan for (healthcare costs, housing expenses, daily assistance, and long-term care)How to transform retirement anxiety into empowered action using a proven SMART frameworkPractical steps to create a complete financial inventory and get your documents organizedThe "tax triangle" strategy that helps minimize your tax liability in retirementWhy two-thirds of Americans retire earlier than planned (and how to prepare for this possibility)Van shares relatable analogies, including the Interstate 10 bridge across Louisiana's Atchafalaya Swamp, to illustrate why many people feel like they're starting retirement "on empty" - and how proper planning can help you reach the other side with confidence.Whether you're worried about outliving your savings or just don't know where to begin, this episode offers clear, actionable steps to start your journey from retirement insecurity to financial confidence. Van breaks down overwhelming concepts into manageable steps and provides practical advice that anyone can implement, regardless of their current savings situation.Download the free Retirement Document Checklist mentioned in this episode at richardsfinancialplanning.com to start organizing your retirement paperwork today.Note: This podcast is for educational purposes only and does not constitute investment, legal, or tax advice. Please consult with qualified professionals for advice specific to your situation.

In this illuminating episode of The Retirement Learing Lab, Chartered Financial Consultant Van Richards tackles one of today's most pressing economic concerns: how tariffs are reshaping retirement planning landscapes.As global trade policies continue to evolve, many Americans are left wondering how these macroeconomic shifts might affect their hard-earned retirement savings. Van breaks down these complex financial concepts into digestible insights that listeners at any stage of their retirement journey can understand and apply.This episode explores:• The fundamental ways tariffs influence investment markets and retirement portfolios • Sector-specific impacts and which retirement investments might be most vulnerable • Practical strategies to protect your savings during periods of economic uncertainty • How to adjust asset allocation to minimize risk while maintaining growth potential • Key economic indicators worth monitoring as you make retirement planning decisions • When (and how) to consider rebalancing your portfolio in response to tariff-related market shifts • Tax considerations that might affect your retirement strategy during economic transitionsAs the first installment in an educational series focused on retirement planning in today's dynamic economic environment, this episode provides listeners with both theoretical understanding and actionable steps. Van shares insights from his years of experience guiding clients through various economic cycles, offering perspective that goes beyond the headlines.Whether you're decades away from retirement, approaching your golden years, or already enjoying retirement, this episode delivers valuable information to help you make informed decisions about your financial future. Van's approach emphasizes thriving—not just surviving—during periods of economic change.Listeners will come away with greater confidence in their ability to navigate the complex relationship between global economic policies and personal retirement planning, with strategies they can implement immediately to better position their portfolios.Subscribe to [Your Podcast Name] for more episodes in this educational series and continue building your financial literacy with expert guidance from Van Richards.About The Host: Van Richards is a Chartered Financial Consultant with over 30 years of experience helping clients navigate complex financial landscapes. Specializing in retirement planning, Van combines technical expertise with clear communication to make financial concepts accessible to everyone.Resources Mentioned: • Plan Pick and Profit at www.planpickprofit.com#RetirementPlanning #FinancialLiteracy #TariffImpact #InvestmentStrategy #EconomicTrends

With all that is happening in the world, you may be asking yourself, does asset allocation still work? Is how you divided your investments doing what it should? In today's video, you'll find the answer.  Plus, there is a great free tool to show you some examples of asset allocation that is intended to help you control the risk of investing. If you're in a hurry and just want to see the asset allocation models, go to www.assetallocationmodels.com.Here are the highlights of today's video.0:00 Intro1:54 I have a free tool for you!2:54 What's causing you to worry?6:34 Geek Alert! What's Standard Deviation?8:55 Investment classes or categories10:41 The Callan Periodic Table of Investment Returns12:12 What are some uses for the asset classes?13:43 There are times with nothing worksOne of the more useful links in today's video is to the Callen Institute.  You can find more information about Callan at www.callan.com/periodic-tableTo read the accompanying blog and get a better view of some of today's examples go to https://richardsfinancialplanning.com/does-asset-allocation-still-work-2This information is only for educational purposes only.  It is not investment, legal, tax, or accounting advice.  Please read the disclosure at the end of the recording.

If you own a retirement account like a 401k, you probably split your savings up among a few different types of investments.A lot of people use investment models provided by their employers.And a lot of you don't really know which stocks or bonds your investments have. And really that is OK. The idea of investing in a mutual fund, a variable annuity, or an ETF is, so you don't have to be an expert.But many people are surprised to learn that any of their retirement accounts have Russian stocks or bonds.So how do you know and what can you do about it.That is what today's podcast is about.In today's podcast, I reference a lot of details. If you'd like to see the references to those details, please go to my blog and see the references to "Do You Unknowingly Own Russian Stocks? WHAT NOW?" Here is a link to my blog: https://richardsfinancialplanning.com/russian-stocks-what-now

Starbucks' stock value has been hit hard by the pandemic. But they do have a competitive edge. Growing your financial knowledge is what can put you in control of your financial future.The centerpiece of today's analysis is the six characteristics that set Starbucks apart from its competition. #1  streamlined business operations.#2  menu innovations#3  digital engagement#4  selective store closures#5 opening stores in US and China underserved areas and#6 their loyalty program To hear a more in-depth analysis of Starbucks listen to today's podcast.   #restaurants #investing #money

For only the second time in 137 years, AT&T cut its dividend. That had to be like a gut punch for a lot of AT&T shareholders who were relying upon those dividends.So, is there still profit available in the wireless industry?Every month that I pay my AT&T Uverse bill, I think, how could this company not make money? But maybe I just answered my own question. AT&T has spread itself thin for about the past decade or more. They're trying to be far more than a wireless service provider. If you are a dividend investor, should you buy, sell or hold?I'll give you two thoughts.  First, there are alternatives for investing in wireless technology. Obviously, Verizon is one of those options since that is the subject of today's stock analysis.  I mention more on alternatives in today's video.Second, I want to help you grow your knowledge on selling dividend stocks, so you know when the time comes. I have prepared a special video lesson called When To Sell a Dividend Stock. You can find that video lesson for free at www.WhenToSellaDividendStock.com Here are the other topics I cover this week. The numbers before the topic are the time stamp on the recording. These points are also indicated in the chapter section of this podcast. If you're short on time, jump to that section of the podcast.1.49 What is Verizon's business strategy?  2.37  How stable is Verizon?  3:11 Who are Verizon's primary competitors? 3.38 What sets Verizon apart from its competitors? 4.21 How will the acquisition of Tracfone affect Verizon? 5.31 Tell me more about Verizon's earnings.  8.38 How does Verizon's dividends compare to AT&T's  13.13 How competitive is Verizon with its peers?  14.38 What are the bullish characteristics of Verizon?  16.06 What are the bearish characteristics of Verizon?  18.20 How are analysts valuing Verizon?19.40 What is the analysts' sentiment toward Verizon?In ending, please remember that this information is for educational purposes only. It is not investment advice.I sincerely hope this information will help you grow your financial knowledge so that you can be in control of your financial future!Have a great week!Van Richards, ChFC®

EPD has one of the highest dividend rates of any large publicly traded company. This week I'll discuss the stock's potential role in retirement savings.This week I discuss the stock's potential role in retirement savings. EPD is a prime example of a company that appears to be managed to pay its shareholders dividends as opposed to increase share value. With Enterprise Products' recent plan to acquire Navitas Midstream, near-term returns should be bolstered.  EPD's formula for success has been Quality Assets + Superior Location + Long Term ContractsI have a wonderful resource to offer you as well. A lot of the information I provide is to help people decide if a stock is right for them. But another important consideration is when to sell a stock. I have made a 10-minute video lesson giving you tips and rules of thumb to help you determine when you should sell a stock. You can get this free video lesson at http://www.whentoselladividendstock.comJoin me each week on Monday at 1 PM for another stock analysis.If you're short look at the chapter highlights of today's show.If your podcast platform doesn't list program timestamps, here's what's in today's show:1.38 What does Enterprise Products Do? 3.40  How stable is Enterprise Products? 4.22 How will the acquisition of Navitas affect Enterprise Products? 6.32 What is a distributable cash flow (DCF)? 10.28 What is the financial integrity of Enterprise Products? 10.55 What is the distribution history of Enterprise Products 12.56 What are EDP's economic moat characteristics? 14.50 Tell me more about EDP's earnings. 16.57 How competitive is EDP with its peers? 19.07 What are the bullish characteristics of EDP? 20.34 What are the bearish characteristics of EDP? 23.06 How are analysts valuing Enterprise Products? 24.02 What is the analysts' sentiment toward EDP? 

In today's podcast, I dive deep into three fundamental analysis characteristics of Genuine Parts Company. GPC is a value stock that pays dividends. It makes it a good candidate for some retirement accounts. But I don't look at everything through rose-colored glasses.  Increasing costs and expenses are weighing on GPC. But I discuss how one billionaire investor thinks Genuine Parts Company is going to cope with increasing cost and inflation.

REITs or real estate investment trusts have been around since 1960. REITs allow investors to invest in real estate without direct ownership. This investment vehicle can be simple or incredibly complicated. Many people are attracted to the high current dividends. There can also be an illusion of safety because the mortgages used in some REITs are back by the US Government. In today's show, I discuss the opportunities REITs offer. Plus, I discuss the downside too. Investors can learn a lot from the market crash in mortgage-backed REITs that began with the Coronavirus market crash between February and March of 2020. Some mREITs have not rebounded. Today's discussion includes Annaly Capital Management, Starwood Property Trust, AGNC Investment Corp., Two Harbors Investment, and PennyMac Mortgage Investment Trust.Listen, learn, & subscribe This information is for educational purposes only. Not an offer to buy or sell any stock or an offer of advice.References from today's show:Mortgage Firm Struggles to Meet Margin Calls as Market Turmoil Continues https://www.wsj.com/articles/mortgage-firm-struggles-to-meet-margin-calls-as-market-turmoil-continues-11584975633Mortgage REITs Come Under Stress That Even the Fed Might Not Be Able to Easehttps://www.barrons.com/articles/target-stock-is-climbing-after-it-reported-another-banner-quarter-for-earnings-51614694528Basics of Fannie Mae Single-Family MBS https://capitalmarkets.fanniemae.com/media/4271/displayFreddie Mac—Federal Home Loan Mortgage Corp. (FHLMC) https://www.investopedia.com/terms/f/freddiemac.aspThe Inverse Relationship Between Interest Rates and Bond Prices https://www.investopedia.com/ask/answers/why-interest-rates-have-inverse-relationship-bond-prices/Two Harbors Investments Corp. Fourth Quarter 2020 Earnings Call https://s24.q4cdn.com/261832436/files/doc_financials/2020/q4/TWO-Q4-2020-Earnings-Call-Presentation-Final.pdfHow Risky Is AGNC Investment Corp.'s Dividend? https://www.fool.com/investing/2021/02/17/how-risky-is-agnc-investment-corps-dividend/#:~:text=AGNC%20cut%20its%20monthly%20payout%20from%20$0.15%20per,conference%20call%20that%20the%20dividend%20cut%20was%20%22unnecessary.%22Capital Destruction, Inc. A look at mortgage REITs. https://www.morningstar.com/articles/641458/capital-destruction-incTwo Harbors Investment Sees Unusually Large Options Volume https://www.marketbeat.com/instant-alerts/nyse-two-options-data-report-2021-02/Commercial Properties' Ability to Repay Mortgages Was Overstated, Study Finds https://www.wsj.com/articles/commercial-properties-ability-to-repay-mortgages-was-overstated-study-finds-11597152211

Spotify has beat back the Goliaths of the music and podcast world. When you think of streaming music and podcast, investors may think that Amazon, Apple, and Google dominate everything. That is wrong! Spotify is not as diversified as Amazon, Apple, or Google, but it is growing in the land of giants. The company is focusing only on customer streaming. That emphasis has allowed Spotify to have consistent growth of users, attract more artists, increase subscriptions and increase ad revenue. But here's a puzzler. The stock keeps going up, and the company posts a net loss year after year. Spotify is not profitable. Or is it? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, and subscribe.  If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning  #investing #streamingmedia #music The sponsor of today's program is Richards Financial Planning. Have you ever heard anyone say, "I regret sorting out my finances"? That's because no one ever says that! You Can Control Your Financial Future.  A Financial Plan Can Ease Your Frustration. Visit https://richardsfinancialplanning.com/ to learn more.One last point from our second sponsor, Advice4LifeInsurance.com.  If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.comNot an official Spotify video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC.References from today's show:Spotify Technology S.A. Announces Financial Results for Fourth Quarter 2020 https://investors.spotify.com/financials/press-release-details/2021/Spotify-Technology-S.A.-Announces-Financial-Results-for-Fourth-Quarter-2020/default.aspx Spotify Technology S.A. Form 20-F https://s22.q4cdn.com/540910603/files/doc_financials/2020/q4/4e770a8c-ee99-49a8-9f9e-dcc191807b56.pdf 3 Ways Spotify's Investing in Podcasts in 2021 https://www.fool.com/investing/2021/02/25/3-ways-spotifys-investing-in-podcasts-in-2021/ Spotify podcast listener numbers will surpass Apple's this year https://www.emarketer.com/content/spotify-podcast-listener-numbers-will-surpass-apples-this-year If you're too lazy to make a playlist, you'll love Spotify's new feature https://bgr.com/2021/02/25/spotify-liked-songs-playlist-new-filters-mood-genre/

ExOne is not your average 3D printer manufacture. ExOne develops and manufactures 3D printers for rapid prototyping and manufacturing of industrial parts and components. The market for industrial 3D printing is vast. The challenge is getting industry on board. The question investors should be asking is this. Can 3D printing be cost-efficient enough and fast enough to replace traditional supply channels? Additionally, an attractive twist for investors to 3D industrial printing is the military applications for the battlefield. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, and follow. If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning  #investing #engineering #military The sponsor of today's program is Richards Financial Planning. Have you ever heard anyone say, "I regret sorting out my finances"? That's because no one ever says that! You Can Control Your Financial Future.  A Financial Plan Can Ease Your Frustration. Visit https://richardsfinancialplanning.com/ to learn more. One last point from our second sponsor, Advice4LifeInsurance.com.  If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com Not an official ExOne video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice.  There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC.References from today's show:Exone 2021 Investor Presentation https://www.investor.exone.com/static-files/5ec68fab-95b9-446a-9049-954df41b649bExOne Form 10Q https://www.investor.exone.com/static-files/98d831e0-647c-4b4b-9faf-b4c4c6b5368cExOne gets $1.6M DoD contract to build a 3D printing ‘factory' in shipping container https://techcrunch.com/2021/02/17/exone-gets-1-6m-dod-contract-to-build-a-3d-printing-factory-in-shipping-container/6 Best Publicly-Listed 3D Printing Companies https://3dinsider.com/public-3d-printing-companies/#:~:text=The%20best%20publicly-listed%203D%20printing%20companies%201%203D,Nano%20Dimension%20(NASDAQ:%20NNDM)%206%20ExOne%20(NASDAQ:%20XONE) 

GE was once one of the largest companies in the world. They have lost about two-thirds of their value since 2015. But their turnaround is looking good. They have a strong cash flow.  They are also one of the largest manufactures of wind turbines used in the State of Texas. How will the recent winter storms affect their future? That is what I am talking about today on the Daily Stock Analysis.Listen, learn, & subscribe If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning #alternativeenergy #energy #aviationAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.comNot an official GE video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice.  At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC.References from today's show:Thanks to Macroaxis for the chart on GE's capitalization: https://www.macroaxis.com/invest/financial-statements/GE/Market-CapitalizationDepartment of Energy Order No. 202-21-1 https://www.energy.gov/sites/prod/files/2021/02/f82/DOE%20202(c)%20Emergency%20Order%20-%20ERCOT%2002.14.2021.pdf'Winners and losers': Who will end up footing bill for spiking electricity prices in Texas?https://www.bizjournals.com/dallas/news/2021/02/17/ercot-electricity-prices-retailers-consumers.html  GE 2020 Annual Report  https://www.ge.com/sites/default/files/GE_AR20_AnnualReport.pdfTexas Blackout Boosts Australian Bank by Up to $215 Million https://www.wsj.com/articles/texas-blackout-boosts-australian-bank-by-up-to-215-million-11613997617?st=q92l187grj7li5f&reflink=article_email_shareFor more information on Morningstar, visit Morningstar.com (Morningstar is not a sponsor)GE Stock Can Hit $15, Says Goldman. It's the Highest Call on Wall Street. https://www.barrons.com/articles/ge-stock-can-hit-15-says-goldman-its-the-highest-call-on-wall-street-51614009185?adobe_mc=MCMID%3D71205814629448003322333981478554029426%7CMCORGID%3DCB68E4BA55144CAA0A4C98A5%2540AdobeOrg%7CTS%3D1614057901&adobe_mc=MCMID%3D71205814629448003322333981478554029426%7CMCORGID%3DCB68E4BA55144CAA0A4C98A5%2540AdobeOrg%7CTS%3D1614112780 

Zoetis is the world's largest animal health company. Zoetis may very well be a recession-proof company. Despite the pandemic, Zoetis has prospered. The majority of the company's revenues come from the companion animal market. The stay-at-home phenomena have increased pet ownership and made pet owners more aware of their pet's physical situation. Couple that with Zoetis' animal drug development, the addition of point-of-care services and you have a company making the most of a bad situation. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, & subscribe. If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning #investing #economy #drugspharmaceuticalsAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.comNot an official Zoetis video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice.  There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC. References from today's show:Zoetis third quarter 2020 financial results https://s1.q4cdn.com/446597350/files/doc_financials/2020/q3/3Q'20-Earnings-Presentation-11.5.20-Final.pdf Zoetis Inc. Form 10Q https://s1.q4cdn.com/446597350/files/doc_financials/2020/q3/4dbe106d-94fc-4899-bb4f-a4827978c1ec.pdf Jim Cramer has a great video interview with Zoetis CEO Kristin Peck https://www.cnbc.com/video/2021/01/13/families-are-adopting-spending-more-on-pets-amid-pandemic-zoetis-ceo.html Even though it's not a huge dividend, Zoetis has increased its dividend each year since its inception in 2013. December 9, 2020, Zoetis increased its dividend by 25%. (FYI, it is essential to remember that the past performance, including its dividends, is not a guarantee of future results.) https://investor.zoetis.com/news/news-details/2020/Zoetis-Declares-First-Quarter-2021-Dividend-Board-Approves-25-Payment-Increase/default.aspx#:~:text=The%20Board%20of%20Directors%20of%20Zoetis%20Inc%20.,%E2%80%9CZoetis%20continues%20to%20demonstrate%20its%20resiliency%20and In 2018 Zoetis merged with Abaxis, a company that develops, manufactures, and markets veterinary diagnostic instruments. https://www.abaxis.com/news/press-release/zoetis-to-acquire-abaxis-leading-global-provider-of-veterinary-point-of-care In 2019, Zoetis took further steps to diversify its revenue stream by acquiring ZNLabs a nationwide veterinary reference laboratory  https://news.zoetis.com/press-releases/press-release-details/2019/Zoetis-Acquires-ZNLabs-a-Nationwide-Veterinary-Reference-Laboratory-to-Further-Strengthen-its-Comprehensive-Diagnostics-Portfolio/default.aspx 

Bank of New York Mellon Corporation is like a giant, spinning plates while skating on ice. While that may seem impossible, BNY Mellon is handling the pressure with grace. Service fees generate about 80% of BNY Mellon's revenue. Most of their seven lines of business continue to produce but at a level rate. Hopefully, 2021 may change the economic trends of 2020. That is what I am talking about today on the Daily Stock Analysis. Listen, learn,  and subscribe. If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning  #investing #economy #bankingindustryAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,   you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.comReferences from today's show:BNY Mellon 2020 Quarterly Financial Highlights (PDF) https://www.bnymellon.com/content/dam/bnymellon/documents/pdf/investor-relations/quarterly-financial-highlights-4q-2020.pdf.coredownload.pdfBNY Mellon Financial Supplement Fourth Quarter 2020 (PDF) https://www.bnymellon.com/content/dam/bnymellon/documents/pdf/investor-relations/financial-supplement-4q-2020.pdf.coredownload.pdfNot an official BNY Mellon video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC.

Energy Transfer has one of the furthest reaching networks of oil and gas in the US. But projects like the Dakota Access Pipeline illustrates the difficulty that may lie ahead. How will earnings be affected for Energy Transfer if the DAPL halts transporting oil? Energy Transfer's dividends are incredibly high, and the stock price is relatively low. Then again, how low can it go? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, & subscribe. If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning #investing #legalissues #oilgasAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

Macerich is one of the most highly shorted stocks in the market now. What's that mean??? Could it be the next GameStop or AMC? Maybe or maybe not. The interesting thing about Macerich is its valuation. Today, I talk more about short selling and its effect on companies like Macerich.   That is what I am talking about today on the Daily Stock Analysis. Listen, learn,  and subscribe. If you'd like to view this episode or previous episodes, visit http://www.youtube.com/c.richardsfinancialplanning  #investing #markets #commerceAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

Munich RE is one of the most stable reinsurance companies in the world. But they are not isolated from the effects of the coronavirus pandemic. Losses are mounting. However, insuring climate change related events and circumstances have bolstered Munich RE's profits. Don't let the complexity deter you from learning about this 140-year-old dividend-paying company.  That is what I am talking about today on the Daily Stock Analysis. Listen, learn, & subscribe. If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning #investing #markets #commerceAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

Most investors looking for dividend-paying stocks don't look to Europe. That could be a mistake.  As Europe works to gain independence from Russian gas supplies, Italian gas supplier Snam fills the gap. And it pays dividends. But how secure are they? That is what I am talking about today on the Daily Stock Analysis. If you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning #oilgas #alternativeenergy #investingAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

Opendoor is an iBuyer for the home real estate market. They portray a simple certain, fast and safe way to buy and sell a home, all online. Opendoor has been around since 2014. But they came to life as a public company through a SPAC. How do they compete, and how do they compare. That is what I am talking about today on the Daily Stock Analysis.If you'd like to view this episode or previous episodes, visit http://www.youtube.com/c.richardsfinancialplanning  #investing #realestate #onlineshopping Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

Steris is an Irish (former US) company specializing in helping medical facilities keep procedures infection-free. The pandemic has slowed growth from surgeries, but what about the push to keep medical facilities COVID free? Will the surgery business recover soon, and how are they affected by the recent acquisition of competitor Cantel?  That is what I am talking about today on the Daily Stock Analysis.If you'd like to view this episode or previous episodes, visit https://www.youtube.com/c/richardsfinancialplanning.com  #investing #healthcare #medicine Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.c

Home Depot's growth over the past year has been good. The stay-at-home phenomenon has ignited a home improvement boom. How will more government stimulus to consumers affect their future growth? Plus, are they drowning out their competition? Maybe not.  That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think.  #workingathome #money #economyAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

Daily Stock Analysis – Pfizer is the top COVID-19 vaccine maker. How are earnings affected? Many people only know Pfizer as a COVID-19 vaccine maker.  Their vaccine could turn the tide against the spread of the coronavirus. But how much will that affect their earnings? With six business units, vaccines are only one.  Plus, it is not the most profitable. Are they undervalued, and what does their future look like?  That is what I am talking about today on the Daily Stock Analysis. If you'd like to view this episode or previous episodes, visit https://youtu.be/mE8iS0ORY6M Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,   you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com#coronavirus #healthcare #pharmaceuticals

The past year has affected many businesses in different ways. Salesforce.com has been in a unique position. When business revenues are being squeezed, they offer ways to get more.  As a result, Salesforce.com revenues have skyrocketed. But can it continue at this pace?  Today we talk about their business and profits. That is what I am talking about today on the Daily Stock Analysis.If you'd like to view this episode or previous episodes, visit https://youtu.be/7_C6ly4PGWA#marketing #investing #technologyAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/One last point from our sponsor, Advice4LifeInsurance.com.  If you need life insurance,  you can find the best life insurance at the lowest price in less than five minutes.  Visit their website at https://www.advice4lifeinsurance.com

John Wiley & Sons is one of the foremost global academic publishers. The coronavirus pandemic has been a notorious revealer of trends and weaknesses in the economy. The pandemic has accelerated the trend to online learning and John Wiley & Sons have benefited.  But is that trend here to stay.  Today we talk about their business and profits. That is what I am talking about today on the Daily Stock Analysis. If you'd like to view this episode or previous episodes, visit The Daily Stock Analysis on YouTube at https://youtu.be/FdJeRu1zMJUAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ Also,  if you'd like to view our sponsor's website go to https://www.advice4lifeinsurance.com You can find the best life insurance at the lowest price in less than five minutes. 

Compass Minerals International specializes in one thing, salt. But salt is used in so many ways. Salt has been used by humankind for thousands of years. Today's usage is vastly different than in centuries past. Early Egyptians first traded salt in the form of salted fish. Food still benefits from salt. But it's also used to clear icy roads and improve the growth of various plants. Compass Minerals supplies salt for a myriad of uses. The company is considered a small-cap company, but they are a heavyweight in the world of salt. Today we talk about their business and profit centers. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #money #investing #commerceIf you'd like to view this episode or previous episodes, visit https://youtu.be/dWua_OzhfBkAdditionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/Lastly, if you need life insurance visit our sponsor Advice4LifeInsurance.com for the best life insurance at the lowest price in less than five minutes. 

In California, The Compassionate Use Act of 1996 made it the first state to legalize medical marijuana for patients with chronic illnesses. Since then, several other states have also made medical use of cannabis legal. Innovative Industrial Properties specializes in properties for the cultivation, processing, and retail sales of medical marijuana.  What are the possibilities for future financial growth? That is what I am talking about today on the Daily Stock Analysis.Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #entrepreneurship #medicine #realestateIf you'd like to view this episode or previous episodes, visit https://youtube.com/c/richardsfinancialplanning.com Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/Also,  if you'd like to view our sponsor's website go to https://www.advice4lifeinsurance.comYou can find the best life insurance at the lowest price in less than five minutes. 

On the Daily Stock Analysis, you can learn how to identify stocks that may fit your investment preferences. In this trailer, you'll learn three simple characteristics that can be used to identify stocks that may fit your preferences. Subscribe and begin learning how to achieve your investment objectives today.To see and listen to the many previous stock analysis, visit the Daily Stock Analysis Channel on YouTube at https://www.youtube.com/c/richardsfinancialplanning