Podcasts about AIF

In this episode, Miguel Gonzalez discusses the potential hidden costs of holding excess cash, including inflation, lost purchasing power, missed opportunities, and the impact on long-term financial goals. He also explains why finding the right balance between liquidity and long-term planning is so important.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Studio Allsvenskan är sponsrade av Snabbare – det okrångliga spelbolaget!Köp en andel till vårt andelsspel på SnabbTipset hos Snabbare.https://www.snabbare.com/snabbtipset-studioallsvenskan18+ | Stödlinjen.se | Spela AnsvarsfulltÅrets bästa sportdeal är här! TV4 Play och Studio Allsvenskan har ett samarbete där du kan se Allsvenskan, Superettan, La Liga och Serie A plus massa mer med ett galet vasst erbjudande – för enbart 349 kronor i månaden i sex månader. Gå in på https://www.tv4play.se/kampanj/studioallsvenskan för att ta del av erbjudandet!Det är onsdag och vi har glädjen att än en gång kunna bjuda på ett onsdagsavsnitt – denna gången med en stark uppställning.Björn Wesström är på plats som vanligt för att dela med sig av sina reflektioner. På plats i studion har vi även Jacob Lennartsson, klubbchef i Mjällby AIF.Det blir således ett Mjällby-tungt avsnitt där Lennartsson får titta tillbaka på den succé de gjort. Hur ser han på att de har vunnit både SM-guld och cupguld?Mjällby befinner sig just nu i en knepig situation. Inser de allvaret eller har de hybris? Självklart får Lennartsson berätta om varför de valde att arbetsbefria Karl Marius Aksum. Och hur kommer det sig att Andreas Brännström tar över?I Allsvenskan har vi en jämn guldstrid framför oss. Vad har Lennartsson att säga om den? Hur är det att vara jagad i en guldstrid? Och vilka tror han vinner SM-guld?En sittning som bjöd på djupgående allsvenska diskussioner.Studio Allsvenskan finns även på Patreon, där du får ALLA våra avsnitt reklamfritt direkt efter inspelning. Dessutom får du tillgång till våra exklusiva poddserier där vi släpper avsnitt tisdag till fredag varje vecka. Bli medlem här!Följ Studio Allsvenskan på sociala medier: Twitter!Facebook!Instagram!Youtube!TikTok! Hosted on Acast. See acast.com/privacy for more information.

In this episode, Miguel Gonzalez shares five habits that can help make tax season easier—from organizing financial documents and tracking major life changes to keeping charitable giving records and meeting with financial and tax professionals before year-end.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families with retirement income planning, investment strategies, and personalized retirement plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique financial planning firm focused on helping clients prepare for every stage of their financial lives.#TaxSeason #TaxPreparation #TaxPlanning #FinancialPlanning #PersonalFinance #FinancialOrganization #MoneyManagement #FinancialWellness #TaxTips #FinancialDocuments #MoneyHabits #YearEndPlanning #CharitableGiving #FinancialEducation #RetirementPlanning #WealthManagement #SmartMoneyMoves #Cortburg #CortburgSpeaksRetirement #MiguelXGonzalez

We live in an increasingly frictionless world, with automatic bill payments and 401(k) contributions, but too few people apply this strategy to their emergency savings, and the result has been an increased rate of early retirement distributions for unforeseen expenses. Donna discusses the prevailing problem of 401(k) leakage, and how automating your savings can help you avoid it. Also on MoneyTalk, the benefits of a trust, and how to know if you need long-term care insurance. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/31/2026; Original Air Dates: 8/18/2025, 4/22/2024 & 4/3/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode, Miguel Gonzalez discusses how emergency savings, interest rates, debt, long-term goals, and changing financial priorities can help determine where your extra money should go. He also explains why the answer doesn't always have to be all-or-nothing.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#SaveOrInvest #PayOffDebt #FinancialPlanning #PersonalFinance #SavingMoney #Investing #DebtManagement #EmergencySavings #MoneyManagement #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #RetirementPlanning #FinancialGoals #MoneyHabits #FinancialEducation #DebtFree #InvestingForBeginners #FinancialConfidence #SmartMoneyMovesWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Sometimes a new client will come in thinking that their investments may need some slight adjusting, only to discover that what they really need is portfolio triage. Donna takes us through some client portfolio nightmares, how they develop, and how to dig yourself out. Also on MoneyTalk, benefits of a trust in estate planning. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/24/2025; Original Air Dates: 10/30/2023 & 4/22/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

The Fed's Next Move Two developments that have been building over the past several months came together over the weekend to put upward pressure on interest rates. The first was Federal Reserve Chairman Kevin Warsh's speech at Jackson Hole. Warsh emphasized his commitment to discipline rather than making a specific policy decision. While the statement itself was not entirely unexpected, the message reinforced his reputation as someone who places a strong emphasis on controlling inflation. That stance generally points toward a higher-for-longer interest-rate environment. The second development was increased friction surrounding the conflict with Iran. As tensions have escalated, oil prices have moved higher, adding pressure through higher energy costs. Together, the Fed's more hawkish tone and rising energy prices have contributed to a meaningful increase in interest rates. The market is now looking ahead to the Federal Reserve's September meeting. Just one week ago, the prevailing expectation was that the Fed would leave interest rates unchanged. Over the past seven days, however, the probability of a September rate hike has risen from 41% to 66%, representing a significant shift in market expectations. While there is still uncertainty about whether the Fed will ultimately raise rates in September, the meeting is clearly shaping up to be a “live” meeting, meaning the outcome is far less certain than it has been in recent meetings. With relatively little economic data expected between now and the meeting, investors have limited information available to provide clarity. As a result, markets are responding to that uncertainty by pushing short-term interest rates higher. Interest rates remain an important factor to watch because they influence much more than the bond market. Changes in rates can affect mortgages, credit conditions and borrowing costs, ultimately influencing the financial decisions and bottom lines of individuals and businesses. September Seasonality The Federal Reserve is only one piece of the market puzzle. Historical seasonality is another trend worth watching as September approaches. Seasonality is one of the many market trends analyzed when developing portfolio strategies, and September has historically been one of the more subdued months for market performance. However, the market’s current positive trend provides an important piece of context. Historically, September has performed better when the market enters the month in a positive trend. Conversely, September can be more challenging when the market begins the month, already in a negative trend. That makes the market's current momentum particularly important as investors head into the fall. There is another historical consideration this year. September has typically been a weaker month during midterm election years. The question now is whether the market's positive trend and strong momentum coming out of earnings season can help offset some of that historical weakness. The market is entering September following an impressive earnings season, giving investors a constructive backdrop despite the potential headwinds from interest rates, geopolitical developments and historical seasonality. As September unfolds, several factors will be closely monitored: the Federal Reserve's next decision, developments in the Middle East, the direction of interest rates and the market's seasonal tendencies. History can provide useful context, but market conditions can change. The key will be watching whether the market follows its historical September pattern or maintains the strength it has demonstrated coming out of earnings season. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Changing Seasons first appeared on Fi Plan Partners.

In this episode, Miguel Gonzalez explains six things every adult should consider including in a financial emergency file—from a list of financial accounts and insurance policies to estate planning documents, recurring bills, professional contacts, and secure digital access information. Taking the time to organize these essentials now can make important financial information much easier to locate when it's needed most.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families with retirement income planning, investment strategies, and personalized retirement plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique financial planning firm focused on helping clients prepare for every stage of their financial lives.https://www.cortburgretirement.com/https://cortburg.buzzsprout.com/https://www.youtube.com/@cortburgretirementadvisorshttps://www.linkedin.com/in/miguelxgonzalezhttps://www.facebook.com/cortburginc#FinancialEmergency #EmergencyPlanning #FinancialPlanning #FinancialChecklist #PersonalFinance #EstatePlanning #FinancialOrganization #CortburgSpeaksRetirement #MiguelXGonzalez #RetirementPlanning #FinancialWellness #MoneyManagement #EmergencyPreparedness #FinancialDocuments #FamilyFinances #EstateDocuments #FinancialAccounts #FinancialEducation #WealthManagement #MoneyTipsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Strong Earnings, Tougher Comparisons More than 90% of companies have now reported second quarter earnings, giving us a clear picture of a remarkably strong earnings season. Earnings growth for the quarter has exceeded 50%, an exceptional level of growth by historical standards. Some of that growth has been influenced by unusual valuation changes tied to large companies’ investments in private businesses. Even after accounting for those factors, however, earnings growth remains above 30%, which is still a spectacular result. Strong corporate earnings have been an important reason the stock market has remained resilient despite the challenges and uncertainty surrounding a midterm election year. As we look toward the remainder of 2026, earnings will continue to be an important factor in determining whether that momentum can continue. The outlook becomes more complicated as we move into 2027. Companies will soon begin comparing results against an exceptionally strong earnings year, creating more difficult year-over-year comparisons. Expectations for 2027 earnings growth have already declined from approximately 17% to around 13%. Some of the strength anticipated for next year may have been pulled forward into 2026, which could make those comparisons even more important. Higher Treasury rates are another factor to monitor. While the current earnings environment remains encouraging, exceptionally strong results today can create a higher hurdle for companies to clear tomorrow. CEO Confidence Remains Resilient Corporate earnings are only one piece of the economic picture. CEO confidence is another important indicator because it provides insight into how business leaders view the economy and their companies’ prospects over the next 12 months. The latest CEO confidence readings turned slightly higher in August. More importantly, the outlook among surveyed CEOs remains positive across several key areas. CEOs expect profits, capital expenditures, hiring and revenues to increase over the next year. If those expectations are realized, that would create a constructive environment for continued market strength. That does not mean the outlook is without risks. Higher interest rates and political uncertainty surrounding the upcoming election could influence business decisions and corporate confidence. These indicators can change quickly, so continued monitoring is important. For now, however, CEOs generally appear to like what they are seeing. The Bond Market Deserves Respect While stocks and corporate earnings tend to receive most of the attention, the bond market is an equally important part of the market landscape. Recent developments involving the Federal Reserve and the U.S. Treasury have put renewed attention on Treasury yields. The Federal Reserve’s decision to step back from directly intervening in the bond market has raised questions about how interest rates will be determined when market participants have greater influence. Historically, the term “bond vigilantes” has been used to describe bond-market investors who exert pressure on policymakers through movements in interest rates. When rates rise significantly, those movements can serve as a signal that investors are concerned about government spending, deficits or other economic conditions. Recent Treasury activity adds another layer to that discussion. Treasury Secretary Scott Bessent indicated that the Treasury could increase its purchases of longer-term bonds by as much as $20 billion. This is different from Federal Reserve intervention because the Treasury is not creating new money in the same way the Fed does when it purchases bonds. Instead, the Treasury can issue shorter-term debt, such as three-month Treasury bills and other securities with maturities of less than one year, while purchasing longer-term debt. This approach can help place downward pressure on longer-term interest rates while allowing the Treasury to manage its funding needs through short-term issuance. The Treasury also has approximately $1 trillion in its Treasury General Account, providing significant resources that could potentially be used in managing these transactions. The larger question is what happens to the market’s ability to signal concerns about government deficits when policymakers intervene to limit increases in long-term interest rates. Rising rates can provide an important signal to Congress and the administration when investors believe fiscal conditions are becoming unsustainable. These developments are particularly notable as Congress remains on recess and attention begins shifting toward the 2026 midterm elections. Once Congress returns in September, markets are likely to place greater emphasis on the political and fiscal landscape. Trade policy has also returned to the headlines. Canada recently called off trade negotiations with the United States, resulting in a headline tariff rate of 50% on certain Canadian goods. The headline number is significant, but the underlying data provides important context. The United States imports roughly $450 billion in Canadian goods, yet only about $20 billion of those imports, or approximately 4.4%, would actually be subject to the tariffs in question. That distinction illustrates why it is important to look beyond headlines and examine the underlying data. The headline may attract attention, but the actual economic impact can be considerably smaller. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Earning Respect first appeared on Fi Plan Partners.

Reviewing your beneficiary designations may take just a few minutes—but overlooking them could have lasting consequences.In this episode, Miguel Gonzalez discusses some of the most common beneficiary mistakes people make, including failing to update beneficiaries after major life events, relying solely on a will, overlooking contingent beneficiaries, forgetting old retirement accounts, and assuming beneficiary reviews are a one-time task. Learn why periodic reviews are an important part of keeping your financial plan up to date.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#Beneficiaries #EstatePlanning #FinancialPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #RetirementPlanning #PersonalFinance #FinancialWellness #LegacyPlanning #LifeInsurance #401k #IRA #FinancialEducation #MoneyManagement #WealthManagement #FinancialChecklist #EstatePlan #FinancialOrganization #SmartMoneyMoves #FinancialConfidenceWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Apple @ Work is exclusively brought to you by Mosyle, the only Apple Unified Platform. Mosyle is the only solution that integrates in a single professional-grade platform all the solutions necessary to seamlessly and automatically deploy, manage & protect Apple devices at work. Over 45,000 organizations trust Mosyle to make millions of Apple devices work-ready with no effort and at an affordable cost. Request your EXTENDED TRIAL today and understand why Mosyle is everything you need to work with Apple. In this episode of Apple @ Work, Shirish Nimgaonkar from eBlissAI joins the show to talk about AI's future in enterprise around endpoint management, agentic solutions, and more. Shirish supports the next generation as an Entrepreneur-in-Residence at Harvard Business School, and serves on the Board of TiE Boston and the Governing Council at AIF. Listen and subscribe Apple Podcasts Overcast Spotify Pocket Casts Castro RSS Listen to Past Episodes

Prekonaný rekord, nezastaviteľný „belasý” valec, ktorý zrovnal so zemou aj MFK Ružomberok, debut dvojice nových trénerov v lige a ešte vo vzájomnom zápase, ako aj naďalej vedúci FC Spartak Trnava a bitka o Žitný ostrov pre hosťujúci DAC. Nielen o tom sme debatovali v 97. epizóde podcastu Kam si to kopol? na ŠPORT.sk.Ani po 4. kole Niké ligy nepoznáme odpoveď na otázku, kto sa stane prvým tímom, ktorý vezme úradujúcemu majstrovi Slovanu Bratislava nejaké body, a takisto kto mu strelí prvý gól v lige. Cez víkend sa to nepodarilo ani trápiacemu sa Ružomberku, ktorý na Tehelnom poli schytal výprask 0:5, pričom tréner Yaya Touré urobil až 10 zmien v zostave oproti odvete 3. predkola Ligy majstrov so švédskym Mjällby AIF.Počas víkendu sa postavili proti sebe aj rivali MFK Dukla Banská Bystrica a MŠK Žilina, pričom tento súboj zaujal aj novými trénermi na oboch stranách, keď Daniel Valach stál proti Vladimírovi Veselému spod Dubňa. Úspešnejší boli nakoniec „Šošoni“, ktorí získali všetky 3 body.Pútal takisto súboj Spartaka Trnava s Michalovcami, derby o Žitný ostrov v Komárne, ako aj to, či MFK Skalica dokáže natiahnuť výbornú sériu bez prehry na 4 zápasy. Nielen o tom sa futbalový redaktor ŠPORT.sk Ján Jasenka a moderátor Marián Lontoš zhovárali v 97. epizóde podcastu Kam si to kopol? na ŠPORT.sk s bývalým slovenským reprezentantom a obávaným stopérom Ľubomírom Michalíkom, ktorý je v súčasnosti športovým riaditeľom FC ViOn Zlaté Moravce v II. lige.

Prekonaný rekord, nezastaviteľný „belasý” valec, ktorý zrovnal so zemou aj MFK Ružomberok, debut dvojice nových trénerov v lige a ešte vo vzájomnom zápase, ako aj naďalej vedúci FC Spartak Trnava a bitka o Žitný ostrov pre hosťujúci DAC. Nielen o tom sme debatovali v 97. epizóde podcastu Kam si to kopol? na ŠPORT.sk.Ani po 4. kole Niké ligy nepoznáme odpoveď na otázku, kto sa stane prvým tímom, ktorý vezme úradujúcemu majstrovi Slovanu Bratislava nejaké body, a takisto kto mu strelí prvý gól v lige. Cez víkend sa to nepodarilo ani trápiacemu sa Ružomberku, ktorý na Tehelnom poli schytal výprask 0:5, pričom tréner Yaya Touré urobil až 10 zmien v zostave oproti odvete 3. predkola Ligy majstrov so švédskym Mjällby AIF.Počas víkendu sa postavili proti sebe aj rivali MFK Dukla Banská Bystrica a MŠK Žilina, pričom tento súboj zaujal aj novými trénermi na oboch stranách, keď Daniel Valach stál proti Vladimírovi Veselému spod Dubňa. Úspešnejší boli nakoniec „Šošoni“, ktorí získali všetky 3 body.Pútal takisto súboj Spartaka Trnava s Michalovcami, derby o Žitný ostrov v Komárne, ako aj to, či MFK Skalica dokáže natiahnuť výbornú sériu bez prehry na 4 zápasy. Nielen o tom sa futbalový redaktor ŠPORT.sk Ján Jasenka a moderátor Marián Lontoš zhovárali v 97. epizóde podcastu Kam si to kopol? na ŠPORT.sk s bývalým slovenským reprezentantom a obávaným stopérom Ľubomírom Michalíkom, ktorý je v súčasnosti športovým riaditeľom FC ViOn Zlaté Moravce v II. lige.

Strong Market Breadth The market typically begins to experience greater volatility around this point in midterm election years. However, one encouraging development is the strength and breadth of current market momentum. The S&P 500 continues to show broad participation, with the highest percentage of stocks trading above their 200-day technical moving average since 2024. Currently, approximately 74% of stocks are above their 200-day moving average. Broad participation like this is generally a positive sign for the overall health of the market. The internal momentum of the S&P 500 is also strengthening. Nine of the 11 sectors are showing better momentum than they were on June 22, with only energy and utilities showing weaker momentum. Taken together, these indicators point to a market with strong underlying momentum. While volatility can increase as the midterm elections approach, the current breadth of participation provides an encouraging foundation. For now, momentum is our friend. Inflation Continues to Evolve The latest Consumer Price Index, or CPI, provided some encouraging news on the inflation front. July CPI increased 0.1%, in line with expectations, bringing the year-over-year increase to approximately 3.5%. The fact that inflation did not come in higher than expected is important. While inflation remains elevated, the latest reading does not suggest that prices are accelerating rapidly. For investors and consumers, however, the headline CPI number is only part of the story. Two important questions are what the Federal Reserve makes of the data and how inflation is affecting people in their everyday lives. The outlook for Federal Reserve policy has shifted as inflation data has evolved. At one point, markets were pricing in roughly a 50% chance of a rate hike at the Fed's September 16 meeting. Those odds rose to approximately 52% about a week ago but have since fallen to around 30%. Current expectations suggest that there may be one rate hike toward the end of the year, although there is still significant time for the outlook to change. Another useful measure is the “Common Man's CPI,” a proprietary index from Strategas that focuses on essential expenses, including food, energy, shelter, insurance, and children's clothing. These are expenses consumers generally cannot avoid or easily postpone. The Common Man's CPI increased 3.5% year-over-year in July, down from 3.7% in June and 4.6% in May. That deceleration is encouraging, but the longer-term impact of inflation remains significant. Since the middle of 2020, the Common Man's CPI has increased approximately 32%, while wages have risen about 28%. That gap helps explain why many consumers continue to feel the effects of inflation even as the rate of price increases slows. Prices may be rising more slowly, but wages have not yet fully caught up with the cumulative increase in the cost of essential goods and services. The trajectory of both inflation and wages will remain important as the year progresses. The Fed's Other Inflation Tool The Federal Reserve has several tools available to influence the economy, but two of the most important are interest rates and the Fed's balance sheet. Interest rates influence economic activity by making borrowing more or less expensive. The balance sheet works differently. When the Fed adds money to the financial system, it can support economic growth. When it reduces the amount of money in the system, it can help restrain growth and inflation. This second tool receives considerably less attention because its effects are less visible to consumers. Interest rates are relatively easy to understand because they directly affect mortgages, savings accounts, credit cards, and other forms of borrowing. The balance sheet is much less tangible. Earlier this year, the Federal Reserve was expanding its balance sheet through a process referred to as monthly net reserve management. The terminology is intentional because quantitative easing, or QE, has developed a negative association following the significant monetary stimulus implemented during the COVID-19 pandemic. Through net reserve management, the Fed injects capital into the banking system by purchasing Treasury securities from banks and replacing those securities with cash. Maintaining sufficient liquidity in the banking system is important, particularly during periods when large amounts of money are flowing out of the system for purposes such as tax payments. Beginning in December, the Fed was injecting approximately $40 billion per month into the banking system. That pace subsequently began to taper as leadership at the Federal Reserve changed. New Fed Chair Kevin Warsh has written extensively about the size of the Federal Reserve's balance sheet and the importance of eventually reducing it. One concern with simultaneously raising interest rates while expanding the balance sheet is that the two policies can work against one another. Higher rates are intended to slow economic activity, while an expanding balance sheet can add liquidity to the financial system. Under the current approach, the Federal Reserve has moved toward stopping the expansion of its balance sheet before relying more heavily on interest-rate increases. August marks the first month since the beginning of the year in which the balance sheet is not expected to expand. The implications could be important for consumers and the broader economy. Consider a simple example. If a consumer earns $100 per week and spends $50 on gasoline and $50 on groceries, an increase in gasoline prices to $60 would leave only $40 available for groceries. Unless the consumer has additional money to spend, higher costs in one area can lead to reduced spending elsewhere. Economists refer to this as demand destruction. For broad-based inflation to persist across the economy, there generally needs to be enough money available to sustain demand even as prices rise. If the money supply increases, a consumer who previously had $100 to spend might instead have $110, allowing spending to continue despite higher prices. That dynamic has been evident in recent economic data. As gasoline prices increased, spending in areas such as leisure and hospitality and retail sales remained surprisingly resilient. Ordinarily, higher gasoline costs might be expected to reduce spending elsewhere, but that demand destruction has been limited. One possible explanation is the additional liquidity that has been present in the financial system. August provides an important test. For the first time this year, the economy is facing higher energy prices without the same additional expansion of the Fed's balance sheet. That creates an opportunity to observe whether demand begins to weaken in other areas of the economy. How that dynamic develops could have meaningful implications for economic growth, inflation, and ultimately the stock market. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Momentum is our Friend first appeared on Fi Plan Partners.

In this episode, Miguel Gonzalez discusses six important financial decisions that often deserve a second opinion before moving forward. From changing jobs and buying a home to claiming Social Security, making major investment changes, taking on debt, and preparing for retirement, taking the time to review your options can help you make more informed financial decisions.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialPlanning #SecondOpinion #PersonalFinance #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementPlanning #SocialSecurity #InvestmentPlanning #HomeBuying #CareerChange #DebtManagement #FinancialDecisions #MoneyManagement #WealthManagement #FinancialEducation #SmartMoneyMoves #FinancialConfidence #LongTermPlanning #MoneyMindsetWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Estate planning is not a set it and forget it process, and any major life changes or changes in residency should prompt a review and update of those critical documents. Donna discusses the importance of keeping your estate plan up-to-date. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/10/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

One of the most common financial questions people ask is, “How much should I keep in emergency savings?” In this week’s episode of Educational Insights, Bobby Norman breaks down the simple 3-6-9 savings rule, explains how to determine the right emergency fund for your unique situation, and shares where to keep those funds so they’re both safe and accessible. Understanding these guidelines can help you build a financial cushion that’s aligned with your income, expenses, and overall level of financial security. Watch to learn more. Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The 3-6-9 Savings Rule first appeared on Fi Plan Partners.

Some of the best content on the MoneyTalk program comes from our listeners, but our hosts also draw inspiration directly from the clients they talk to each day. Donna discusses questions from advisory client, including: Can I reverse a Roth conversion? How does a 1031 exchange work? And, in what order should I withdraw from my retirement accounts? Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/3/2026; Original Air Dates: 12/18/2023 & 7/24/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode, Miguel Gonzalez discusses seven important financial accounts that deserve an annual review—from checking and savings accounts to retirement plans, investment accounts, insurance policies, HSAs, FSAs, and beneficiary designations. A simple yearly review can help you stay organized, identify potential issues, and keep your financial plan aligned with your long-term goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialPlanning #PersonalFinance #FinancialAccounts #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyManagement #RetirementPlanning #InvestmentAccounts #401k #FinancialChecklist #WealthManagement #MoneyHabits #FinancialOrganization #FinancialHealth #SmartMoneyMoves #Beneficiaries #InsurancePlanning #FinancialEducation #AnnualFinancialReviewWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

The Federal Reserve Enters a New Chapter The Federal Reserve’s latest meeting marked another important step in the early tenure of Chairman Kevin Warsh. As expected, policymakers left interest rates unchanged, opting for neither a rate increase nor a cut. However, the decision revealed growing disagreement within the committee, with three members voting in favor of raising rates due to persistent inflation concerns following years of economic and price shocks. Although the Fed held its benchmark rate steady, longer-term interest rates continued to move higher. The 10-year U.S. Treasury yield climbed above 4.7%, while the 30-year Treasury yield surpassed 5.2%, reaching its highest level since 2007. This distinction is important because the Federal Reserve directly influences short-term borrowing costs, not long-term Treasury yields. Those longer-term rates are driven by market forces and have a direct impact on mortgage rates, business borrowing costs, and broader financial conditions. Looking ahead to the Fed’s September meeting, market expectations have shifted dramatically. Earlier this year, investors largely anticipated multiple rate cuts. Today, markets are assigning a greater probability to a rate hike instead. How inflation, employment data, and economic growth evolve over the coming weeks will likely determine the Fed’s next move. Currency Markets Signal Growing Global Pressure One of the more significant but less-discussed developments occurred in the global currency markets. For the first time since 1998, the United States announced intervention to support the Japanese yen after the currency experienced substantial weakness against the U.S. dollar. While exchange rates typically fluctuate, an 11% move between two of the world’s largest currencies over a single year is unusually large and highlights increasing pressure within global financial markets. Central banks often face a difficult balancing act. They can attempt to keep interest rates low by purchasing bonds, but doing so generally weakens their currency and can contribute to inflation. Alternatively, they can support their currency by allowing interest rates to rise, which strengthens the currency but places additional pressure on economic growth and borrowing costs. Japan has increasingly found itself caught between these competing objectives. Supporting its currency while managing its bond market has become more difficult, illustrating the broader challenges facing central banks worldwide. This matters to U.S. investors because Japan holds a significant amount of U.S. Treasury securities. If Japan were forced to sell those holdings to stabilize its own financial markets, the increased supply of Treasuries could place upward pressure on U.S. interest rates. While recent intervention has successfully strengthened the yen in the short term, history suggests these efforts rarely provide permanent solutions. Markets ultimately determine long-term currency values, making global monetary policy an important area for investors to continue monitoring. A Healthy Reset for the Magnificent Seven After leading the market higher for much of the past two years, the Magnificent Seven technology companies and many AI-related stocks have experienced increased volatility. While these pullbacks have generated concern, they appear to represent a reset in investor expectations rather than a deterioration in the underlying businesses. Corporate earnings remain strong, supporting the long-term growth story for many of these companies. At the same time, market leadership has broadened beyond a small group of technology stocks, allowing more sectors to participate in the rally. Historically, this type of market expansion has often supported longer and healthier bull markets. Bull markets typically come to an end when corporate earnings begin to weaken significantly and analysts consistently lower earnings expectations. That is not the environment investors are facing today. Technical indicators also support this view. The Bloomberg Magnificent Seven Index recently fell below its 200-day moving average for the fourth time since 2022. In each of the previous three instances, the index eventually recovered and moved on to new highs. Rather than signaling the end of the current bull market, recent weakness appears more consistent with a mid-cycle pause that allows excessive optimism to unwind before the next phase of market growth. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The Great Reset first appeared on Fi Plan Partners.

In this week's episode, Miguel Gonzalez explains the key differences between saving and investing, including how time horizon, risk, inflation, and financial goals influence each strategy. Learn why both saving and investing play important roles in building a strong financial foundation and how understanding the difference can help you make smarter financial decisions.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#SavingVsInvesting #PersonalFinance #Investing #SavingMoney #FinancialPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyManagement #RetirementPlanning #FinancialEducation #WealthBuilding #MoneyHabits #FinancialFreedom #InvestingBasics #SavingsGoals #SmartMoneyMoves #MoneyMindset #FinancialConfidence #LongTermInvestingWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Trump savings accounts are tax deferred custodial investment accounts designed to give children a head start on retirement savings, with $1,000 in initial funding for children born during the Trump presidency. Donna discusses the merits of the new program, the benefit of developing early savings habits, and alternative custodial options that may be a better fit for some. Also on MoneyTalk, supersizing your retirement savings, and considerations for transferring wealth. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/27/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode of Broadcast Retirement Network, we bring together leading voices on retirement income strategy and fiduciary considerations. Guests include John Schembari, Kutak Rock, Ed McIlveen, CFA, Francis, LLC, and Robert Scherzer, AIF of World Investment Advisors. We discuss what employers and fiduciaries should weigh when introducing (or evaluating) guaranteed lifetime income features within defined contribution plans—balancing participant needs, plan design, and real-world implementation realities.

Election Years Often Bring Volatility, Not Lasting Market Changes Investor questions surrounding the upcoming midterm election continue to increase, particularly regarding how election results could impact financial markets. Historically, heightened market volatility leading into an election is completely normal. Volatility has typically increased as Election Day approaches, with October often proving to be the most volatile month of the election cycle. Once election uncertainty passes, however, market volatility has generally declined. More importantly, history shows that investors should focus less on election outcomes and more on what happens afterward. Since 1950, every 12-month period following a midterm election has produced a positive return for the S&P 500, with an average gain of approximately 16.6%. Even the weakest post-election year generated a positive return. Political control has also shown surprisingly little impact on long-term market performance. Looking back to 1933, the S&P 500 has produced double-digit average annual returns regardless of which political party controlled Washington. While election outcomes certainly influence policy discussions, long-term market returns have been driven primarily by corporate earnings rather than politics. For long-term investors, maintaining focus on business fundamentals remains far more important than attempting to predict election results. Tariffs, Consumer Spending, and Interest Rates Remain Key Economic Drivers Trade policy continues to evolve following the Supreme Court’s ruling against tariffs implemented under the International Emergency Economic Powers Act (IEEPA). In response, the administration implemented a temporary 10% universal tariff through Section 122, which expired after 150 days. Going forward, tariffs can now be implemented under Section 301, allowing for more permanent and country-specific tariff rates. While individual tariff rates may vary by trading partner, the overall economic impact compared to the previous structure remains relatively modest. Investors should expect continued headlines surrounding tariffs, but these developments are largely part of an anticipated policy transition rather than a significant shift in trade strategy. Beyond trade policy, consumer health remains one of the most important indicators for the broader economy. One metric receiving close attention combines average mortgage rates with average gasoline prices. Historically, when mortgage rates exceed 6% and gasoline prices rise above $4 per gallon, the combined burden begins placing meaningful financial pressure on consumers. Sustained periods above this threshold have often coincided with mid-cycle economic slowdowns or, in some cases, recessions. Despite these headwinds, the U.S. consumer has remained remarkably resilient. However, prolonged pressure from elevated borrowing costs and energy prices could eventually begin to weaken consumer spending, making this an important trend to monitor. Interest rate expectations also continue to shift. Current market expectations suggest the Federal Reserve is unlikely to cut rates in the near term, with some investors now anticipating the possibility of additional rate hikes later this year. As leadership at the Federal Reserve evolves, markets will closely watch how policymakers respond to inflation, consumer strength, and broader economic conditions. Any unexpected shift toward higher interest rates would represent a meaningful change from the expectations many investors held entering the year and could influence both market sentiment and economic growth. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Volatility and Votes first appeared on Fi Plan Partners.

The F.I.R.E. movement (Financially Independent, Retiring Early) is a growing lifestyle trend which emphasizes making extreme financial sacrifices today to set yourself up for an early retirement. Donna discusses some of the strategies used by F.I.R.E. movement followers to maximize their savings and current income while minimizing their expenses. Also on MoneyTalk, risks we face as we enter retirement, and Stock Trivia: Battle of the Sowas. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/21/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!afSee omnystudio.com/listener for privacy information.

In this episode, Miguel Gonzalez discusses practical ways to prepare for life's financial surprises, from building emergency savings and planning for irregular expenses to reviewing insurance coverage, managing debt, and creating flexibility within your budget. A little preparation today can help you face tomorrow's unexpected challenges with greater confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#EmergencyFund #UnexpectedExpenses #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #FinancialPlanning #MoneyManagement #PersonalFinance #EmergencySavings #Budgeting #FinancialFreedom #MoneyHabits #DebtManagement #FinancialConfidence #WealthBuilding #SmartMoneyMoves #SavingsGoals #FinancialEducation #MoneyMindset #FinancialHealthWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Donna shares answers to questions from wealth management clients, including: How do I go about selling my precious metal items without getting swindled? How do I live my best retirement without overspending? How can I teach my college age child to save when prices are so high? What kind of an emergency fund should I keep?— and more. Also on MoneyTalk, how the sequence and size of returns can impact your retirement income. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/20/2026; Original Air Date: 2/9/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Bonds Continue to Demonstrate Their Value While much of the attention has centered on stocks, the bond market has quietly delivered strong performance over the past two years. Bonds remain an important component of diversified portfolios because they help reduce risk, generate income, and provide stability during periods of market uncertainty. Since October 19, 2023, the total returns across the 11 major bond indices have been notably strong. That date marked the recent peak in the 10-year Treasury yield, which closed at 4.99%. Since then, Treasury yields have fluctuated significantly, falling to 3.62% in September 2024 before climbing back to approximately 4.5% in July 2026. Even with those fluctuations, today’s yield remains below the 2023 peak. Because bond prices generally move in the opposite direction of yields, declining benchmark yields have supported positive returns across much of the fixed income market. Several bond sectors have produced returns exceeding 20% during this period. Looking ahead, inflation and Federal Reserve policy will continue to play an important role in bond performance. Monitoring these factors will help determine how bonds continue to support clients’ long-term investment strategies. Inflation Shows Encouraging Signs of Normalization The latest Consumer Price Index (CPI) report provided an encouraging surprise. Monthly CPI declined by 0.4%, meaning prices actually fell during the month. This is significant because inflation discussions often focus on prices increasing at a slower rate rather than prices declining outright. Typically, inflation “coming down” simply means prices are still rising, but at a slower pace. This latest report was different. Consumers experienced actual price declines, something not seen on a monthly basis since the COVID era and a relatively rare occurrence over the past decade. Much of the decline was driven by lower gasoline prices following easing energy markets after geopolitical tensions earlier in the summer. Although oil prices have recently moved higher again, they remain well below previous peaks, suggesting that the recent decline may represent what a more normalized energy environment could look like. Perhaps even more encouraging was the strength of consumer spending. Retail sales increased by 0.22% during the same month that prices declined. When adjusted for lower inflation, consumers effectively purchased approximately 0.62% more goods and services than the previous month. This is an important distinction. During periods of rising energy prices, households often spend more filling their gas tanks while reducing purchases elsewhere, a phenomenon economists call demand destruction. Instead, the latest data indicates consumers continued spending across the broader economy while benefiting from lower prices. Although one report does not establish a long-term trend, the combination of falling prices and healthy consumer demand offers a positive glimpse into how the economy could perform as inflation continues to moderate. The outlook remains favorable for consumers, financial markets, and interest rates if this broader normalization continues. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Feeling Richer? first appeared on Fi Plan Partners.

With thousands of publicly traded companies to choose from, identifying quality investment opportunities requires more than simply following headlines or popular trends. In this week’s episode of Educational Insights, Bobby Norman shares the structured approach our Portfolio Strategies Team uses to evaluate individual stocks, from understanding a company’s business model and financial health to assessing valuation, leadership, industry trends, and potential risks. Whether you’re an experienced investor or simply curious about how investment decisions are made, this behind-the-scenes look offers valuable insight into our disciplined investment process. Watch to learn more. Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn't provide research on individual equities. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Analyzing Individual Stocks first appeared on Fi Plan Partners.

In this episode, Miguel Gonzalez discusses why financial flexibility is one of the most valuable qualities of a successful financial plan. Learn how adaptable budgeting, emergency savings, periodic investment reviews, and evolving financial goals can help you navigate life's unexpected changes with greater confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialPlanning #FinancialFlexibility #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyMindset #PersonalFinance #Budgeting #RetirementPlanning #FinancialFreedom #EmergencyFund #Investing #FinancialGoals #MoneyHabits #WealthBuilding #FinancialConfidence #SmartMoneyMoves #LongTermPlanning #MoneyManagement #FinancialEducationWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Managing money can be hard enough when you have steady wages coming in, but when it's time to turn off the faucet and survive on your savings, many struggle with the shift in mindset. Donna discusses lifestyle habits you can employ as you approach retirement if you are concerned about your ability to make your money last. Also on MoneyTalk, the practical and psychological benefits of keeping an emergency fund, and Roth IRA income and contribution limits. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/13/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Interest Rates Remain the Market’s Focus Interest rates continue to be one of the most important indicators for investors because of their broad impact on the economy. The 10-year Treasury yield influences mortgage rates, corporate borrowing costs, and overall financial conditions, making it a key measure to watch. After easing briefly, the 10-year Treasury yield has moved back above 4.5%, reflecting renewed concerns following escalating conflict in the Middle East. Rising interest rates can signal worries about government debt issuance while also increasing borrowing costs throughout the economy. This week’s inflation reports will play an important role in determining where interest rates may head next. Both the Consumer Price Index (CPI) and Producer Price Index (PPI) will provide insight into inflation trends and price pressures. With oil prices having declined recently, expectations are building that the CPI could show not only slower inflation but potentially a negative monthly reading. If that occurs, it would represent a meaningful shift in the inflation outlook. Markets will also be closely monitoring Federal Reserve Chairman Kevin Warsh as he delivers his required testimony before Congress. Since taking office, Warsh has largely avoided signaling future monetary policy, preferring to let the Federal Reserve’s actions speak for themselves. His remarks before lawmakers may offer investors valuable insight into the Fed’s current thinking and could have a significant impact on interest rate expectations. Because interest rates influence borrowing, spending, business investment, and equity valuations, developments this week have the potential to affect markets well beyond the bond market alone. Earnings Season Takes the Spotlight While geopolitical events continue to create uncertainty, corporate earnings remain one of the strongest drivers of long-term stock market performance. As earnings season begins, investors will gain a clearer picture of how American businesses are performing in today’s economic environment. Current estimates for the S&P 500 remain encouraging. Analysts project earnings growth of approximately 25% in 2026 and 17.4% in 2027. Even more notably, seven of the index’s eleven sectors are expected to generate earnings growth exceeding 10% in 2026. Revenue growth projections also remain positive, with estimates of 10.4% for 2026 and 7.6% for 2027. These forecasts suggest that companies continue to improve profitability through a combination of stronger sales and increased operational efficiency. Although estimates will ultimately be tested against actual results, improving corporate earnings have historically supported higher equity prices. In an environment where investors remain focused on inflation, interest rates, and Federal Reserve policy, strong earnings growth could provide an important catalyst for continued market strength. As the week unfolds, investors will be watching inflation reports, Federal Reserve commentary, and early earnings announcements closely. Together, these developments will help shape expectations for the economy, interest rates, and the direction of financial markets in the months ahead. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post A Week Worth Watching first appeared on Fi Plan Partners.

Financial stress is something many people experience at different stages of life. Rising costs, unexpected expenses, debt, and uncertainty about the future can all create financial pressure.In this episode, Miguel Gonzalez discusses several practical financial habits that may help reduce money-related stress. Learn how spending awareness, emergency savings, automation, financial organization, and long-term consistency can help create a stronger sense of financial stability and confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialStress #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #MoneyHabits #FinancialPlanning #PersonalFinance #MoneyManagement #Budgeting #EmergencyFund #FinancialConfidence #FinancialFreedom #RetirementPlanning #WealthBuilding #MoneyMindset #SmartMoneyMoves #FinancialHealth #SavingsGoals #DebtManagement #FinancialClarityWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Generation X Gaming Podcast #495 | Xbox Studios, Digital Ownership, Bungie, Suicide Squad & Gaming NewsWelcome to **Generation X Gaming Podcast #495!**This week, **30nstillgaming** and **Sgt Mclusky** dive into some of the biggest stories shaping the gaming industry. We discuss the continued shift away from physical media, concerns over digital ownership, Microsoft's future strategy for Xbox Game Studios, Bungie's financial challenges, and what went wrong with **Suicide Squad: Kill the Justice League**.One of the biggest discussions centers around the industry's move toward an all-digital future. What happens when you don't truly own the games or movies you've purchased? We explore the long-term impact of digital licensing, cloud gaming, and the future of physical media.We also react to reports about Microsoft's studio strategy following years of acquisitions, examine whether the current AAA business model is sustainable, and discuss Bungie's financial performance after Sony's multi-billion-dollar acquisition.## In This Episode

That 10 year stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you to your goal, and how you choose to focus your efforts and resources will make all the difference. Donna runs through 10 questions you should be asking yourself when planning for your final approach to retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/29/2026; Original Air Dates: 2/5/2024 & 9/23/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Employment Remains on Solid Ground Employment continues to be one of the most important indicators for both the economy and the stock market. A healthy labor market means more people are earning income, saving, investing, and contributing to overall economic growth. Those factors typically create greater demand for investment assets and provide support for stock prices. Conversely, rising unemployment often leads consumers to spend savings rather than invest, placing pressure on financial markets. The Federal Reserve closely monitors employment data when making interest rate decisions, making each monthly jobs report an important release for investors. However, it’s important to understand that the headline jobs report is based largely on surveys, making it what economists refer to as “soft data.” Because it relies on estimates from survey respondents rather than complete reporting, the data is often revised in subsequent months. The latest report was encouraging overall. More jobs were created than lost, the unemployment rate declined, and wage growth remained healthy at 3.5% year over year. While average hours worked declined slightly, rising wages combined with fewer hours worked still represents a positive development for workers. One surprising detail within the report was a decline in leisure and hospitality employment. Given the increased tourism and temporary hiring associated with the World Cup, many economists believe this portion of the report may ultimately be revised higher. To gain a clearer picture of labor market conditions, it helps to compare the survey-based data with “hard data,” such as initial unemployment claims. Unlike survey estimates, unemployment claims are based on actual filings submitted through state unemployment offices and are generally considered more reliable. Initial jobless claims have remained relatively stable throughout the year, while continuing unemployment claims have gradually declined. Together, these indicators reinforce the view that the labor market remains stable, not overheating, but not weakening either. A stable employment environment supports continued wage growth, consumer spending, savings, and investment activity. Those trends create a constructive backdrop for financial markets heading into the second half of the year. Corporate Earnings Will Drive the Next Phase of the Market Strong corporate earnings have been one of the primary drivers behind the stock market’s performance this year, and they are expected to remain a major theme throughout the remainder of the year. Corporate America has consistently exceeded expectations, helping fuel market gains. As a result, analysts have steadily raised earnings forecasts throughout the year. Earnings per share (EPS), a measure of how much profit a company generates for each outstanding share of stock, has seen meaningful upward revisions after remaining relatively flat throughout much of 2025. While this reflects confidence in the strength of American businesses, it also raises the bar. Investors will be watching closely to see whether companies can continue delivering results that justify today’s elevated expectations. Another important metric to monitor is operating margins. Markets are currently pricing in record profit margins over the coming year. If companies continue operating efficiently while maintaining strong profitability, stocks could continue benefiting from solid earnings growth. However, if expectations prove too optimistic, investors should be prepared for periods of increased market volatility. With midterm election uncertainty also entering the picture, earnings season will likely play an even larger role in determining market direction during the second half of the year. Why Gas Prices Haven’t Fallen as Fast as Oil Prices Although oil prices have retreated following the recent conflict in the Middle East, many drivers have noticed that gasoline prices have not fallen nearly as quickly. The explanation lies in how gasoline is produced, distributed, and taxed. The United States consumes more than 130 billion gallons of gasoline each year—more than any other country in the world. While crude oil prices rose sharply during the conflict and have since moved lower, retail gasoline prices typically respond more slowly. Gasoline is a refined petroleum product, meaning the cost of crude oil represents only one portion of the final price consumers pay at the pump. Refining costs, transportation expenses, distribution, and taxes all contribute to the total cost per gallon. As crude oil prices climbed, gasoline prices gradually followed. Now that crude prices have declined to levels closer to where they were earlier this year, gasoline prices are expected to follow, but historically, they tend to lag. Assuming geopolitical tensions do not escalate again, motorists could begin seeing more relief as the summer progresses and into the fall. Regional price differences also illustrate how much additional costs affect gasoline prices. States throughout the South and Midwest generally enjoy some of the nation’s lowest gasoline prices due to their proximity to Gulf Coast refineries. Meanwhile, states such as California, Washington, Hawaii, Nevada, and Oregon typically experience significantly higher prices. While crude oil costs are essentially the same nationwide, higher state taxes, increased transportation expenses, and greater distribution costs contribute to substantially higher prices at the pump. In Hawaii, for example, distribution costs alone exceed the cost of refining the gasoline. Understanding these components helps explain why gasoline prices often remain elevated even after oil prices begin to fall. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Reports Are In first appeared on Fi Plan Partners.

Generation X Gaming Podcast #487 | PlayStation DRM, Xbox Strategy, Crimson Desert, Star Wars & Gaming NewsWelcome to **Generation X Gaming Podcast #487!**Join **30nstillgaming** and **Sgt Mclusky** as they break down the biggest gaming headlines of the week, from PlayStation's latest DRM controversy and Xbox's evolving business strategy to Crimson Desert player statistics and the future of Star Wars games.One of this week's biggest discussions centers around reports of **PlayStation's 30-day license verification system** and what it could mean for digital ownership, game preservation, and consumer rights. We also examine Microsoft's latest gaming financial results, Xbox's long-term strategy, and whether dedicated console hardware still has a place in the company's future.Later in the episode, we discuss player engagement in **Crimson Desert**, the growing debate over early access versus full game releases, and whether **Star Wars** is suffering from franchise fatigue due to constant crossovers and oversaturation.As always, we wrap up the show by answering questions from the community and sharing our thoughts on the future of the gaming industry.## In This Episode

Life rarely stays the same for very long. Career changes, marriage, children, relocation, caregiving responsibilities, and unexpected health situations can all influence your financial priorities over time.In this episode, Miguel Gonzalez discusses how major life events can affect your financial plan and why periodic reviews are so important. Learn how changing circumstances may impact budgeting, retirement planning, insurance needs, savings strategies, and long-term financial goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialPlanning #LifeChanges #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementPlanning #MoneyManagement #PersonalFinance #FinancialGoals #WealthManagement #RetirementStrategy #FinancialConfidence #MoneyHabits #FinancialEducation #Budgeting #LongTermPlanning #FinancialFreedom #LifeTransitions #SmartMoneyMoves #FinancialHealthWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Late Fed Chairman, Alan Greenspan, served under four presidents, through multiple market meltdowns, and negotiated the American economy into its longest period of peacetime expansion, but Greenspan's legacy is also inextricably linked to the policies that led to the Great Financial Crisis. Donna does a retrospective commemorating the great contributions and unfortunate miss-steps of the man known as “The Maestro”, Alan Greenspan. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/22/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Employment Remains a Key Market Driver Although the week is shortened by the holiday, one of the most important economic reports of the month arrives before the weekend. The latest payroll report provides an updated snapshot of the labor market, one of the Federal Reserve’s primary measures of economic health. Because the Fed’s dual mandate is to promote maximum employment while maintaining stable inflation, employment data plays a significant role in shaping monetary policy decisions. Recent jobs reports have been stronger than many expected, making this week’s release especially important as investors look for signs that labor market strength is either continuing or beginning to fade. Employment trends also have a direct impact on the stock market. A healthy labor market supports wage growth, consumer spending, retirement contributions, and overall investment activity, all of which help create a favorable environment for stocks. Conversely, rising unemployment can reduce savings and investment while slowing economic growth. Investors will also be paying close attention to wage growth, as continued increases could indicate that the economy remains resilient even as inflation shows signs of easing. Dividend Growth Has Historically Outpaced Inflation Inflation remains one of the biggest concerns for investors, creating uncertainty around interest rates and future market performance. While inflation reduces purchasing power over time, dividend-paying stocks have historically provided one of the most effective ways to combat its long-term effects. In fact, dividends have accounted for approximately 37.2% of the S&P 500’s total return since 1928, highlighting their significant contribution to long-term investment performance. The relationship between dividends and inflation becomes even more compelling over longer periods. From the end of 1979 through the end of last year, dividends paid per share by companies in the S&P 500 increased at a compound annual growth rate of 5.88%, while inflation averaged 3.19% annually. This sustained growth has allowed dividend income to outpace inflation over time, helping investors preserve purchasing power while generating meaningful long-term returns. History Points to a Seasonal Summer Slowdown Seasonality also provides valuable context as markets move into the second half of the year. Historically, the period from late June through August tends to be one of the quieter stretches for stocks. Trading volumes often decline as investors take vacations and corporate news slows, creating what is commonly known as the “dog days of summer.” During this period, markets have historically shown relatively little separation between stronger and weaker years. That pattern typically begins to change after Labor Day. Historical data shows that markets with positive first-half performance have often continued that momentum through year-end, while markets that struggled during the first six months have frequently remained under pressure. With the market currently in the stronger historical category, the seasonal outlook remains encouraging. While history never guarantees future results, these long-term trends provide useful perspective as investors prepare for the months ahead. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Market Fireworks first appeared on Fi Plan Partners.

Many of the most important money habits begin long before adulthood.In this episode, Miguel Gonzalez discusses valuable financial lessons parents can help teach their children, including saving consistently, understanding needs versus wants, developing responsible spending habits, practicing delayed gratification, and building financial confidence over time. These early lessons can help create a strong foundation for future financial decision-making.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialLiteracy #TeachingKidsAboutMoney #ParentingTips #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyLessons #FinancialEducation #KidsAndMoney #PersonalFinance #SmartMoneyHabits #FinancialPlanning #MoneyMindset #FamilyFinance #RaisingFinanciallySmartKids #SavingMoney #FinancialConfidence #MoneyManagement #FinancialFreedom #WealthBuildingWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

You may have heard of the 4% Rule, which suggests 4% as the safe maximum rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna offers insights from experts on what rate of withdrawal makes sense based on current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, financial compatibility among couples, and managing risk in your retirement portfolio. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/15/2026; Original Air Dates: 8/25/2025 & 4/6/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode, Miguel Gonzalez discusses practical ways to strengthen financial confidence during uncertain times. Learn why focusing on what you can control, avoiding emotional decisions, maintaining emergency savings, and revisiting long-term goals can help you navigate changing financial environments with greater perspective.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialConfidence #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialPlanning #MoneyMindsetWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Stop making excuses! In this explosive Throwback Thursday episode, Brent Daniels sits down with 19-year-old absolute killers Tyler Williams and Joshua Dochee. By combining intense daily hustle with out-of-the-box lead generation, these teenagers mastered a brilliant strategy: using virtual assistants to source "dead" Pay-Per-Click (PPC) leads from other wholesalers in Facebook groups and flipping them using the Novation exit strategy.Tyler and Joshua break down exactly how they pitch their services to sellers, the specific legal paperwork required to securely lock up a novation (including the Indemnification Agreement and AIF), and why a vital segment of the market will gladly take a massive discount to avoid the hassle of listing with a traditional agent. Plus, Brent drops some major knowledge bombs on how to properly recruit, compensate, and retain top-tier acquisition talent for your scaling business. If you want to know how the next generation of real estate investors is completely dominating the market, this episode is a masterclass. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:33) The brilliant strategy of sourcing dead PPC leads from other wholesalers using VAs(8:32) The Novation exit strategy and leveraging real estate agents for disposition(14:55) The exact paperwork needed for a novation (Indemnification Agreement and AIF)(28:35) Using the "stealth mismatch" negotiation tactic to test a seller's true motivation(30:12) The top three reasons why motivated sellers actively avoid listing with traditional agents(35:39) Why Joshua skipped college to get his real estate license(40:43) How Tyler mastered sales by spending 8-10 hours a day on the phone mirroring and matching(47:21) Brent's golden rule for hiring: Why you should never hire an unemployed salesperson(56:05) Why you should test new acquisition managers with top-tier inbound leads instead of cold calling(1:00:48) Dominating the three parts of a Google search to triple your inbound lead flow(1:05:17) Why you are a "deal finder, not a deal maker"(1:05:41) How to connect with Tyler and Joshua----------Resources:No Limit Sales SystemTalk To PeopleInstagram: @joshua.jmdInstagram: @realbrentdanielsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

One of the primary goals of estate planning is minimizing overall tax burden, and when dealing with large estates, the small details can make all the difference. Donna discusses one particular aspect of inheritance planning: the difference between using date of death vs alternate valuation date. Also on MoneyTalk, deciding whether to rollover your 401K, and planning for your first year of retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/8/2026; Original Air Dates: 1/8/2024 & 11/10/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Setting financial goals is important—but reviewing them regularly can be just as valuable.In this episode, Miguel Gonzalez discusses why financial goals should evolve as life changes. Learn how career shifts, family priorities, changing expenses, market conditions, and personal milestones can all influence your financial direction. Periodic reviews can help ensure your goals remain aligned with what matters most to you.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialGoals #FinancialPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyGoalsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Summer is filled with vacations, family activities, dining out, and memorable experiences—but it can also be one of the most expensive seasons of the year.In this episode, Miguel Gonzalez discusses how seasonal expenses such as travel, entertainment, camps, home projects, and rising utility bills can affect your budget. Learn why planning ahead and reviewing spending habits can help you enjoy summer while staying on track with your long-term financial goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#SummerSpending #BudgetingTips #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #PersonalFinanceWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

When retirement policymakers sought to incentivize small businesses to begin offering retirement plans in an effort to help close the coverage gap, they did so in part by creating greatly expanded federal tax credits that would offset their cost in providing those plans.But research has found fewer than 6% of eligible employers are properly claiming the tax credit—and that's a problem that doesn't sit well with retirement plan advisor Will Hackler, AIF, the “401(k) Fix-It Guy” who is the Managing Partner at Integrated Pension Services. Hackler says there's a real awareness problem regarding the tax credit, and that advisors need to step in to make sure eligible firms (and their tax-filing CPAs) know about and take advantage of a program intended specifically for them.In this episode, Hackler explains the tax credit, the problem and potential solutions.

As retirement approaches, financial organization becomes more important than ever.In this episode, Miguel Gonzalez discusses how simplifying accounts, reviewing old retirement plans, updating beneficiaries, and organizing important financial documents can help create more clarity and confidence before retirement. Small organizational steps today can make managing your financial life much easier in the years ahead.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#RetirementPlanning #FinancialOrganization #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementPrepWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

 People are living longer than ever — but many retirement plans were never built for a 30-year retirement.In this episode, Miguel Gonzalez discusses longevity risk, rising healthcare costs, and the financial challenges that can come with a longer retirement timeline.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#RetirementPlanning #LongevityRisk #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementIncome Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com