Podcasts about american funds

Tom takes a break from vacationing to join Don in a deep dive on target date funds—the good, the mediocre, and the fee-loaded ugly. They break down performance data, highlight major fund differences, and remind listeners why understanding your own risk tolerance still matters. Listener questions spark advice on Roth IRAs for young investors and strategies for holding large tax payments. All with classic banter, bad jokes, and a quick jab at the Raiders. 0:04 Tom's back (briefly), and the banter's already off the rails1:42 Target date funds: the set-it-and-forget-it investing strategy3:06 $4 trillion invested—do they actually work?4:29 Performance since 2010: solid but not spectacular4:52 Fees dropping, but some funds still gouge6:06 Comparing returns: Vanguard, Hancock, American Funds, Voya7:39 Hidden loads and fees—legal, but not ethical7:59 Target date trouble: they don't know you9:03 Asset allocation assumptions can misfit your real risk9:44 Most funds overweight large U.S. companies11:14 What Vanguard 2025 actually holds (spoiler: little value)12:43 Better than nothing—but not better than customized13:38 Final take: decent for novices, but beware high fees and mismatched risk16:15 Listener Q1: Roth IRAs in only VFIAX—good idea for young investors?17:36 Why global small-cap value ETFs are a better long-term choice19:04 Comparing AVGE, DFAW, and VT—size and cost matter19:36 Listener Q2: Where to hold tax money without exceeding FDIC limits21:30 FDIC realities and alternative safe options like government money markets22:23 Tax math: fed + Illinois = close to 50% if income, less if capital gains23:52 Hidden state tax traps and EV drivers dodging gas taxes24:13 Pre-DOGE Teslas and pre-Elon excuses Learn more about your ad choices. Visit megaphone.fm/adchoices

Don returns from a exhausting, comedy-of-errors flight to discuss how the markets pulled an equally wild round trip—plunging, then rebounding to the tune of $8 trillion. He and Tom break down the April stock and bond tantrum, laugh off predictions of recession, and offer practical guidance for scared investors, risk-takers, and those tempted by annuities. Listener questions cover mortgages vs. investing, the role of fixed annuities, and a touching thank-you from a longtime fan who retired well thanks to Don's early radio shows. Oh, and Tom's now YouTube famous. Just ask his grandkids. 0:04 Don's cursed travel story: jet lag, delays, and onboard medical drama1:28 Welcome back—Tom's model aircraft museum returns2:48 Market rewind: sharp drop and $8T rebound3:55 April 8 market bottom; temper tantrum or bear tease?4:40 CNN Fear & Greed Index: from panic to euphoria in weeks6:27 Fan mail: “Planes, Trains & Cryptocurrency” and Tesla hate from a Lyft driver7:43 Don's Broadway singalong graduation trip to NYC9:01 Recession odds fall fast—tariffs rise faster11:27 Tom calls out the mayor's interest rate prediction logic13:01 Check your 401(k)? Maybe don't—unless you're learning your risk tolerance14:10 Don's “Tune Out the Noise” video hits 10+ million views16:43 Listener challenge: Why bash Fidelity annuities?18:47 Don's CD ladder vs. annuities—why he prefers federal over contractual guarantees20:10 Even “no load” annuities can be slippery—careful with the fine print21:51 TRM hits 1,648 episodes (and counting)22:44 Listener Bruce: From broke in 1989 to comfortably retired, thanks to Don24:17 Remember load funds? Why no-loads and ETFs rule now25:59 American Funds' ETF pivot: lipstick on a mutual fund28:36 Listener question: Invest inheritance or pay off 6.6% mortgage?33:10 Roth IRA strategy, liquidity concerns, and investing at age 3536:17 Graduation singers belt Sinatra's “New York, New York” at Radio City38:21 Reminder: Free portfolio help at TalkingRealMoney.com39:53 End-of-show degeneracy: full monty jokes, sensitivity training, and accidental innuendo Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of "Talking Real Money," hosts Don McDonald and Tom Cock address recent market volatility, emphasizing that despite headlines about markets "nosedives," the S&P 500 is still up 10% over the past year and only down 4.4% year-to-date, while globally diversified portfolios have fared even better with minimal losses. They criticize alarming financial media headlines that cause investor panic and warn that emotional reactions to market fluctuations are more damaging to portfolios than market corrections themselves, which historically last about 100 days. The hosts field caller questions about retirement account allocation strategies, including keeping bonds in traditional IRAs while holding stocks in Roth IRAs to maximize tax advantages, and explain investment terminology such as large/mid/small cap classifications and value versus growth distinctions. They also address Dave Ramsey's claim that investing $100 monthly from ages 25-65 would create a millionaire, calculating that with a 10% return it would yield about $637,000, though Ramsey likely assumes a 12% return based on the American Funds Investment Company of America's historical performance, which they argue sets unrealistic expectations for future investors. 0:04 Market reactions and recent trends - S&P 500 up 10% over past year despite media negativity 2:50 Baby Boomers and market concerns - critique of alarmist headlines about retirement portfolios 5:05 Investing strategies for volatile markets - importance of discipline and avoiding emotional reactions 6:14 Understanding portfolio allocation - caller question about bonds in Roth vs. traditional IRAs 10:15 Dave Ramsey's $100/month millionaire claim - analysis of investment return calculations 19:44 Importance of risk tolerance - historical performance of American Funds with significant downturns 23:31 Evaluating old retirement plans - advice on moving a $45,000 government retirement account to an IRA 26:22 Investment terminology explained - definitions of large/mid/small cap, growth vs. value stocks 32:59 Understanding bond investments - short-term (under 3 years), intermediate (4-10 years), and long-term (10+ years) 35:28 Engaging with financial education - information about speaking engagements and consultation opportunities Learn more about your ad choices. Visit megaphone.fm/adchoices

LEGENDARY TV ACTRESS STEFANI POWERS STEFANI POWERS BIO Biography Stefanie Powers began her career as a teenager dancing for the Michele Paniaff Ballet Company and Jerome Robbins. At 16 she was put under contract to Columbia Pictures in the twilight of the Hollywood Studio System where she made 15 motion pictures and was loaned to United Artists for the John Wayne production of [error]. MGM Television bought her contract from Columbia to present her as The Girl from U.N.C.L.E. (1966). Her television credits include over 200 guest appearances, 18 mini-series and 2 more weekly series, The Feather and Father Gang (1976) and the long-running Hart to Hart (1979). Her long career has included appearances on the stage beginning in 1964 with "Under the Yum Yum Tree" in San Francisco which ran for 12 years after its initial opening. She has appeared on and off Broadway in musical shows and tributes; in the West End in the musical, "Matador" and "Love Letters". Appearances on the British stage included "The King and I", "The Adjustment" and "84 Charing Cross Road." Her stage appearances in the United States include "Annie Get Your Gun", "Oliver", "Applause" (the revival), "Sunset Boulevard" and "Gotta Dance" directed by Jerry Mitchell. In 2018 she appeared in the film The Artist's Wife (2019) with Lena Olin and Bruce Dern and a revival in London of "84 Charing Cross Road." She has an active life in wildlife conservation and is the creator of the William Holden Wildlife Foundation, formed after the death of her long-time life partner William Holden. In that vein she has received numerous fellowships and awards for her tireless field work in conservation and is a faculty member of the Oxford Literary Festival at Christ Church College at Oxford where she heads forums with authors of outstanding books dealing with the crucial environmental issues of our day. She's been on the boards of four zoos in North America and is an independent board member of a cluster of 3 mutual funds which are a part of the American Funds, one of the largest mutual funds families in the world. She presented the PBS 13 part series, "Funding Your Dreams" as a road map for women contemplating investment options. As a member of the Writers' Guild of America she was nominated for her script of "Family Secrets", received five Emmy nominations for acting roles and a People's Choice Award. She resides in Los Angeles, London and Kenya. - IMDb Mini Biography By: Stefanie Powers  

We've got another listener question episode for you today! Tune in as Charles answers a few questions from podcast listeners like you. In this week's edition, a listener named Wendy asks if it's okay to have all her 401k money invested in American Funds or if she should diversify into other investments. Charles also tackles a question about how aggressive one's retirement savings goals should be to retire by 60. He explains how these goals can vary depending on your retirement timeline and shares what future factors you would need to consider. While the right savings amount differs for everyone, Charles walks us through the process of setting those goals. Here's some of what we discuss in this episode: 0:07 – Wendy asks “I rolled over a 401k to an advisor a couple of years ago, and he put all the money into something called American Funds. Is that an okay fund, or should I be invested in other things as well? Kind of feels like one thing seems a little weird. What are your thoughts?” 5:07 – Tony asks “I'm 50 years old. Would like to retire before I'm 60. I'm willing to save aggressively to make that happen. How do you determine how much you'll need to save for something like that each month?”   Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ YouTube: https://www.youtube.com/@PelletonCapitalManagement

Capital Group portfolio managers Rob Lovelace and Noriko Chen share their outlook on the global equity markets and where they see compelling investment opportunities. They also discuss the growing impact of tariffs on the world economy and how multinational companies are navigating increasingly choppy trade waters. #CapGroupGlobal     For full disclosures go to capitalgroup.com/global-disclosures   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   This content is published by Capital Client Group, Inc. American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed, follow us   LinkedIn: https://bit.ly/42uSYbm   YouTube: https://bit.ly/4bahmD0   Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group   Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html  

Capital Group portfolio managers Caroline Randall and David Hoag discuss their outlook for the economy and markets. Can stocks continue their relentless climb? Has the hype surrounding artificial intelligence gone too far? Is the U.S. Federal Reserve going to cut interest rates before the end of the year? Our portfolio managers answer those questions and more. #CapGroupGlobal For full disclosures go to capitalgroup.com/global-disclosures For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist. This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed, follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital Group   Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2024 Capital Group

Capital Group portfolio manager Dimitrije Mitrinovic explains why knowing when to be patient, and when to be bold are critical to uncovering hidden gems in the small-cap universe. He outlines the characteristics he looks for in small companies, explains why he considers Sweden a paradise for businesses that can grow through acquisition, and recalls developing a passion for investing as a young man growing up Serbia, a country that then didn't have a market-based economy. #CapGroupGlobal   For full disclosures go to capitalgroup.com/global-disclosures   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist.   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed, follow us   LinkedIn: https://bit.ly/42uSYbm   YouTube: https://bit.ly/4bahmD0   Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group   Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html  

China's recent population decline underscores a long-term challenge more countries will face. Capital Group economist Jared Franz shares his views on how population decline will impact the global economy and how artificial intelligence could help fill the gaps. #CapGroupGlobal   For full disclosures go to capitalgroup.com/global-disclosures   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist.   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed, follow us   LinkedIn: https://bit.ly/42uSYbm   YouTube: https://bit.ly/4bahmD0   Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html   Copyright ©2024 Capital Group

Capital Group CEO Mike Gitlin interviews Mark Casey, an equity portfolio manager based in our San Francisco office. As a veteran Silicon Valley investor, Mark explains why he believes “digitalization” is a powerful investment theme, how he thinks artificial intelligence will transform certain industries, and the lessons he learned from investing in Google. #CapGroupGlobal   For full disclosures go to capitalgroup.com/global-disclosures   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed, follow us:   LinkedIn: https://bit.ly/42uSYbm   YouTube: https://bit.ly/4bahmD0   Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group   Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html   Copyright ©2024 Capital Group

New York Times columnist David Brooks talks about his book, How to Know a Person: The Art of Seeing Others Deeply and Being Deeply Seen. In a conversation with Capital Group investment professionals, David shares what motivated him to write the book and how his ideas can be applied in work and our personal lives. #CapGroupGlobal For full disclosures, go to capitalgroup.com/global-disclosures For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024.  American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed, follow us: LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital GroupCapital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2024 Capital Group

Capital Group economist Darrell Spence discusses his outlook for U.S. interest rates, inflation and the economy at the mid-point of 2024. Will the Fed cut rates this year? Is inflation still too high? And what's the risk of a recession down the road? Darrell tackles those questions and more. #CapGroupGlobal For full disclosures, go to capitalgroup.com/global-disclosures For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024.  American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed, follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital GroupCapital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2024 Capital Group

Capital Group CEO Mike Gitlin interviews Kirstie Spence, a fixed income portfolio manager based in our London office. As an emerging markets debt specialist, Kirstie explains how this volatile asset class has evolved over the years, why she travels the world searching for investment opportunities, and how the war in Ukraine has affected her family on a personal level. #CapGroupGlobal For full disclosures go to capitalgroup.com/global-disclosures For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed, follow us:LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2024 Capital Group

Credit markets have remained strong even as interest rates have seesawed amidst uncertainty around Federal Reserve policy. Capital Group portfolio manager Damien McCann discusses the dynamics underpinning bond markets and the approach he takes to multisector income portfolios. #CapGroupGlobal   For full disclosures, go to capitalgroup.com/global-disclosures     For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024.  American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed, follow us   LinkedIn: https://bit.ly/42uSYbm   YouTube: https://bit.ly/4bahmD0   Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group   Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html   Copyright ©2024 Capital Group

Capital Group portfolio managers Jody Jonsson and Chris Buchbinder highlight investment opportunities in the U.S. and the world. They discuss artificial intelligence, tech's dividend strategy and the rise of Japan. This podcast features excerpts from our April 25 webinar, “U.S. and global equity opportunities.” #CapGroupGlobal   For full disclosures, go to capitalgroup.com/global-disclosures   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024.  American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed, follow us   LinkedIn: https://bit.ly/42uSYbm   YouTube: https://bit.ly/4bahmD0   Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html   Copyright ©2024 Capital Group

Capital Group CEO Mike Gitlin interviews Alan Wilson, an equity portfolio manager with 33 years of investment industry experience. Alan shares stories about his early days at Capital, what he learned from the success of Apple's Steve Jobs, and why he keeps a framed picture of zebras in his office. #CapGroupGlobal For full disclosures go to capitalgroup.com/global-disclosures For latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed, follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2024 Capital Group

Capital Group portfolio managers Mark Casey and Peter Eliot shine a spotlight on several far-reaching investment trends, including remarkable advances in artificial intelligence, the rapid growth of cloud computing, and the rising popularity of weight-loss drugs. This podcast features excerpts from our March 21 webinar, “The Long View: Megatrends to watch.” #CapGroupGlobal Related material  Webinar: The Long View: Megatrends to watch For full disclosures go to capitalgroup.com/global-disclosures. For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com  for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html To stay informed, follow us on LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ Copyright ©2024 Capital Group  

Capital Group CEO Mike Gitlin interviews Jessica Spaly, an equity portfolio manager based in our San Francisco office. A former retail industry analyst, Jessica discusses why she was drawn to Amazon in the early days of the e-commerce revolution and how her teenage daughters help her assess cutting-edge retail trends today. #CapGroupGlobal For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist For full disclosures go to capitalgroup.com/global-disclosures This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S.  U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq To stay informed follow us: LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/  About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html Copyright ©2024 Capital Group

Capital Group portfolio manager Reed Lowenstein shares how active listening and getting the basic details right has helped him build a successful investing career. He explains the importance of holding onto strong convictions lightly and how judgments of corporate leaders help shape his investment decisions. #CapGroupGlobal For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.  Watch our latest vodcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist  For full disclosures go to capitalgroup.com/global-disclosures.  This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024.  American Funds aren't registered for sales outside the U.S.  U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq  To stay informed follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/  About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.  Learn more: capitalgroup.com  Join us: capitalgroup.com/about-us/careers.html  Copyright ©2024 Capital Group

Capital Group portfolio managers Will Robbins, John Queen and Michelle Black share their views on the stock and bond markets, including the impact of U.S. interest rates that are currently at a 23-year high. This podcast features excerpts from our February 29 webinar, “Asset allocation for 2024.” #CapGroupGlobal Related material Webinar: Asset allocation for 2024  For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.   Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist  For full disclosures go to capitalgroup.com/global-disclosures   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html To stay informed follow us onLinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ Copyright ©2024 Capital Group

Capital Group CEO Mike Gitlin interviews Carl Kawaja, equity portfolio manager and chair of Capital Research and Management Company. Carl shares his thoughts about growing up on a Caribbean island, why he thinks humor is important to making good investment decisions, and how the rise of new weight loss drugs is affecting companies inside and outside the health care industry. #CapGroupGlobal   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.   Watch our latest vodcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   For full disclosures go to capitalgroup.com/global-disclosures.   This content is published by Capital Group, home of American Funds Distributors, Inc. which will be renamed Capital Client Group, Inc. on or around July 1, 2024. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   To stay informed follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html   Copyright ©2024 Capital Group

Commercial real estate is in crisis. In this episode, Capital Group portfolio manager Xavier Goss discusses how work-from-home dynamics are casting a shadow on the market for office space, and what this trend could mean for the U.S. economy. #CapGroupGlobal For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.  Watch our latest vodcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist  For full disclosures go to capitalgroup.com/global-disclosures.  Capital Group, home of American Funds Distributors, Inc. American Funds aren't registered for sales outside the U.S. U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.  Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html To stay informed follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ Copyright ©2024 Capital Group

Capital Group portfolio manager Paul Benjamin shares his optimistic outlook for the American energy sector, why he thinks oil prices are headed a lot higher, and how an industry that is "starved for capital" can thrive in the years ahead. #CapGroupGlobal For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.   Watch our latest vodcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   For full disclosures go to capitalgroup.com/global-disclosures.   Capital Group, home of American Funds Distributors, Inc. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.  Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html To stay informed follow us on LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ Copyright ©2024 Capital Group

In this episode, you'll hear from five portfolio managers with a combined 158 years of investment experience. They also all happen to be women who have found ways to thrive in a male-dominated industry. Each has invested through crises and learned from their successes and failures.    You'll hear about the qualities of an effective management team, how important mentors are, and why women make great investors. #CapGroupGlobal   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.   Watch our latest vodcast, Conversations with Mike Gitlin, on YouTube: https://bit.ly/CG-Gitlin-playlist   For full disclosures go to capitalgroup.com/global-disclosures.   Capital Group, home of American Funds Distributors, Inc. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html To stay informed follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ Copyright ©2024 Capital Group

Freshly returned from a research trip to India, Capital Group investment director Natalya Zeman, India Affairs Specialist Anirudha Dutta and equity analyst Himanshu Sharma discuss how our  on the ground approach informs our investment decision making in one of the world's fastest growing economies. #CapGroupGlobal   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights.   For full disclosures go to capitalgroup.com/global-disclosures.   Capital Group, home of American Funds Distributors, Inc. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com    Join us: capitalgroup.com/about-us/careers.html   To stay informed follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0  Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/    Copyright ©2024 Capital Group

Capital Group CEO Mike Gitlin interviews Rob Lovelace, equity portfolio manager and chair of Capital International, Inc. In this wide-ranging discussion, Rob shares his thoughts on the investment environment in the U.S., Europe and Asia, his love of geology, and the long-held belief that his biggest competitive advantage is time. #CapGroupGlobal   Watch on YouTube: https://bit.ly/CG-Gitlin-playlist   For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S. visit capitalgroup.com for Capital Group insights.   For full disclosures go to capitalgroup.com/global-disclosures   Capital Group, home of American Funds Distributors, Inc. American Funds aren't registered for sales outside the U.S.   U.K. investors can view a glossary of technical terms here: https://bit.ly/49rdcFq   About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals.   Learn more: capitalgroup.com   Join us: capitalgroup.com/about-us/careers.html   To stay informed follow us LinkedIn: https://bit.ly/42uSYbm YouTube: https://bit.ly/4bahmD0 Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/   Copyright ©2024 Capital Group

Forget the 4% rule, Dave Ramsey wants you to believe that you can take an 8% annual income from an American Funds (or other broker-sold) portfolio. We explain why that is incredibly unlikely. Then on to the questions: What's the best allocation among funds in the Thrift savings Plan? Should a REIT in a taxable account be sold and invested in something more tax-efficient? Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens if you outlive your money? What do we need to know about investments? How can we have peace of mind about our finances? What does retirement look like in the future? What is an annuity?Thank you to our sponsors: LMNT Electrolytes — our favorite electrolytes for optimal hydration. Listeners receive a free 8-serving sample pack with their purchase at DrinkLMNT.com/AGEIST. InsideTracker — the dashboard to your Inner Health. Listeners get 20% off on all products at InsideTracker.com/AGEIST.Timeline Nutrition — our favorite supplement for cell support and mitochondrial function. Listeners receive 10% off your first order of Mitopure with code AGEIST at TimelineNutrition.com/ageist. Kate Beattie is a senior retirement income strategist with American Funds and she empowers individuals to understand their finances. She discusses what an annuity is, how to find peace of mind around your finances, how to not outlive your money, and more. “Think of those folks who are approaching retirement and they've got that family history of longevity, they're in excellent health, they're likely to experience that above average longevity or life expectancy. If they haven't saved enough to achieve their retirement spending goal but they're looking to maximize their income, however long that may be, those are excellent candidates for an annuity.” “The connection between peace of mind and secure income or that protected lifetime income was so strong across all investors.” “Our dreams of retiring at 65 might now be 80, in order to make your funds last until 120.” “Write down a list of everybody that you talk to on a weekly basis, now go through and cross out every one of those that are people you work with. Our list gets really small. What is our purpose in that next phase?” Listen to the SuperAge podcast wherever you get your pods. Connect with Kate:LinkedInDisclaimer:  The views depicted in this material are for information purposes only and are not necessarily those of Capital Group/American Funds. The views and commentary should not be considered specific advice or recommendations for any individuals.​​Figures are past results and are not predictive of results in future periods.Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.  For current information, visit capitalgroup.com

“Mission Prosperity” features the wisdom of John Prosperi, a financial services executive who has held leadership positions at top wealth management firms like AllianceBernstein, Fidelity Investments, and American Funds. John has been a pioneer and thought leader in developing the model of how these firms marketed their services to Advisors instead of directly to retail investors.KEY POINTS:∙ John emphasizes the importance of planning, building long-term client relationships, and preventing clients from making bad decisions. ∙ The trio discuss how to grow and scale a business, the characteristics of top-performing practices, and the importance of hiring through referrals. They also delve into the trust equation and the significance of effective client review meetings that differentiate advisors from competitors and spark referrals. ∙ One of the challenges many financial services organizations face is trying to grow and scale their businesses, especially for those in leadership tasked with helping emerging leaders hone their productivity skills. ∙ Top performing practices have “healthy teams” relative to internal dynamics. Instagram link hereFB linkConnect with PhilLinkedinConnect with GregLinkedinConnect with John

In this episode, we sit down with Ka'Neda Bullock, President of Master Plan Investment Group, Retirement Plan Advisor, and a former Investment News 40 Under 40 Honoree. Ka'Neda shares some of the lessons she learned while at Smith College, how it relates to working with her current clients, and the importance of effective communication and listening to help clients reach their financial goals. In this episode, we discuss breaking down stereotypes and promoting equality in financial services, particularly for women. We also dive into Ka'Neda's personal journey in building her firm, the challenges of balancing running a business while serving clients, the importance of educating the up-and-coming generation of advisors, and the importance of mentorship and diversity in our industry. Wrap up by talking about the inspiring work that Ka'Neda is doing to promote diversity in the industry to inspire women to be leaders. Ka'Neda Bullock Bio:Ka'Neda N. Bullock, CFP®, MBA, AIF®, APMA®, is president and founder of Master Plan Investment Group, based in Pennington, New Jersey. She is a wealth manager and corporate retirement plan advisor.She graduated with a bachelor's degree in government and economics from Smith College, where she was first-year class president and student body president her senior year. She studied for a semester in the Dominican Republic. After college, she completed a Fulbright fellowship in South Korea, where she studied economics and taught English at a girls' middle school. She speaks some Korean and Spanish.Ka'Neda began her career in the investment management industry with one of the largest investment firms in the nation, American Funds, also known as Capital Group. She left her corporate role to help individuals, families, and organizations, as a wealth manager and retirement plan advisor for Edward D. Jones & Co., financial services firm, from 2010 to 2014. She became an independent wealth manager and advisor in 2014.As a wealth manager, Ka'Neda uses customized investment, insurance, and financial planning strategies to help clients maximize their portfolios, achieve their goals, and build generational wealth.In her role as a retirement plan advisor, she manages workplace retirement plans, such as 401(k) and 403(b) plans, bringing her experience to the entire organization.Ka'Neda established Master Plan Investment Group in 2019 with a mission to serve clients by helping them clarify their financial goals, chart a course for success, and live a fulfilled life. She became a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional in April 2020. Currently, 3.7 percent of CFP® professionals are Black or Latino, and only 23.3 percent are women. Ka'Neda is committed to improving these statistics. She holds FINRA Series 7 and 66 securities registrations and holds life insurance (term, permanent, and long-term care) and health licenses.She was one of 15 selected out of the 400 women advisors to be on the inaugural Commonwealth Financial Network Women's Council. The council advises Commonwealth in its efforts to increase the number of women advisors at Commonwealth and industry-wide and promote their retention. The group will help influence hiring, support, and resources needed to advance this effort. Commonwealth provides independent financial advisors across the country, including Master Plan Investment Group, with trading technology, brokerage services, compliance, and other back-office services.Ka'Neda received her MBA from the New Jersey Institute of Technology (NJIT), where she recognized the future role of technology in the investment management industry and used this knowledge as a foundation for her business.She is a frequent speaker on money management, including retirement income strategies, investing, insurance, long-term care, financial planning, and general financial...

Tom and Don explore another goofy investing advice article (as if something has actually changed). Our listeners ask us: How should assets be consolidated for upcoming retirement? What should be done to create a backdoor IRA with an excess contribution? Which Vanguard fund should replace an American Funds tax-free fund? How safe is Schwab as an investment advisory firm's custodian? What should be done with an old employer's 401k? Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when our mentoring relationships span competing firms? As we grow and mature in our careers, which mentoring relationships do we want to evolve with us? In this episode we are talking about competition and the role of mentoring with Holly Framsted and Priya Panse. Holly was a previous guest on We Talk Careers. She spoke about creating a strength-based career. Don't miss it! Holly is the Head of ETFs at Capital Group, home of the American Funds. Holly lives in Redondo Beach, California with her husband and 2 Children   Priya Panse is an investment strategist with BlackRock, specializing in iShares Factor & Sustainable ETFs. She's worked across BlackRock's global offices - Singapore, London and now San Francisco. Priya is also a new mother to a baby boy and an avid hiker in California. Kristine Delano guides the discussion on how your mentoring relationships can grow with you.  Listen on your favorite podcast platform. We Talk Careers Podcast. Follow on Instagram kristine.delano.writer  Visit www.womeninetfs.com to find additional support in the ETF industry.  Go to www.kristinedelano.com for your Thrive Guide: a compilation of the most requested and insightful advice from our guests on Leadership and Advancement. Book recommendations:  - Salem Falls by Jodi Picoult - Time to Parent by Julie Morgenstern

Don takes on a variety of questions: How should a son invest in his new 401k? Should he switch American Funds for something less expensive? What's the best way to name beneficiaries on accounts? Why do we suggest some higher cost ETFs? What are the potentail problems when gifting to kids? What do I think of another YouTube financial guru? Learn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom consider the question that plagues many during times after markets have lost money: Is it a bad idea to retire from work in a bear market? Should you go after a "guaranteed" 9% return? Then, on to your questions: What do we think of an "advisors" advice to use American Funds in lieu of Vanguard funds? How much can a working teenager contribute to a Roth? How can money be given to grandkids and yet protected being used too early? Is her bank advisor actually a fiduciary and how do they make money? Learn more about your ad choices. Visit megaphone.fm/adchoices

Why will self-awareness of your skills and strengths make a huge difference to your success? Holly Framsted is Director of ETFs at Capital Group, home of the American Funds. Prior to joining Capital, Holly was a managing director and head of U.S. ETF product segments at BlackRock where she was responsible for leading the development and commercialization of BlackRock's factor, sustainable and megatrends ETFs for U.S. investors. Kristine Delano and Holly discuss how careers ought to reflect strengths and on not rely solely on titles or pre-conceived notions of success. How do you know which strengths you possess and how do you apply them to your own career planning? Listen to the episode for guidance on creating a strength-based framework for your career trajectory. Follow on Instagram kristine.delano.writer to join the conversation. Visit www.womeninetfs.com to find additional support in the ETF industry. Go to www.kristinedelano.com for your Thrive Guide: a compilation of the most requested and insightful advice from our guests on Leadership and Advancement.

On this episode of the Planned Solutions Incorporated Podcast, The risk of increased regulation, especially on US technology companies, has largely taken a backseat to other financial risks. This is even as China's regulatory crackdown on their large technology companies caused their stock prices to drop in 2021 and European regulation has hindered growth in the sector for years. Now the US is becoming more and more active in seeking to rein in the power of its large technology companies, which should not only be a concern for investors but also has the potential to reduce innovation and slow economic growth. Also, Stock prices have fluctuated so far in 2022 as the long-expected market correction (decline of 10% or more from the previous high) finally occurred in January. However, the fourth quarter earnings season continues to show strong growth in company earnings reports which may be a good sign for stock performance over the longer-term after the current market volatility subsides. And, January retail sales show strong growth in consumer spending even as inflation pushes prices up. This data continues to support the argument that the reopening of the economy in the Spring of 2021 caused a sharp adjustment in retail spending patterns as spending on gasoline and clothing, which were depressed during the pandemic, recovered the most over the past year. Gasoline prices especially have been a large contributor to inflation, but the increased prices appear to have little impact on consumer gasoline purchases so far. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- What will they think of next? We all know the dangers of Phishing when it comes to email (never reply to an e-mail with personal information or click on links included in an email unless you have confirmed that they are valid) but now you can be SMShed! SMShed (SMS texting from an unknown number) is the same thing as a phishing email, but via text message instead. Usually these come from an unrecognized number, and you should treat them suspiciously just like you would an email from an unknown person – generally by deleting without clicking on anything. Please remember that you will not receive a text message from us directly regarding your accounts. If you do receive a text message from someone at our firm or from your custodian (Charles Schwab, American Funds, etc.) that is unsolicited, please notify us immediately. You can also call Schwab Alliance directly at 800-515-2157 if you have any concerns about the security of your account – they can add additional security such as (1) voice recognition or (2) a verbal password. Chase Armer's book- Financial Planning Insights is now available at: store.bookbaby.com/book/financial-…anning-insights www.amazon.com/Financial-Plannin…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: Shannon@PlannedSolutions.com (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #inflation #deflation #bonds

After sharing his wallet theft experience, Don takes on your questions:What are good replacements for some American Funds?A caller cracks Don up with his question about investing $50K.An eastern European caller begs for $3,000 for her sick grandmother.Another looks for an opinion on his portfolio if Fisher and crypto.What's the best way to regularly invest? 

Dave Ramsey is perhaps best known for his baby steps and helping countless people get out of debt. Among low cost index fund investors, he's also known as recommending expensive mutual funds with front loaded sales charges. While fees are important, what matters even more is after-fee returns. And that raises an important question--Does Dave Ramsey's approach to investing outperform a portfolio of low cost index funds?In this episode, we'll look at American Funds, which appear to be Dave's fund family of choice. We'll compare their returns with low cost index funds over the past several decades to see which one comes out on top.

How can a fund pay out 7% per year (and charge investors 1% per year)? It looks easy in a bull market, but what happens when markets head south? (HNDL - high distribution liquid solutions)Then we take listeners questions on:Starting a fund for a new baby.Investing in American funds versus other groups.What to do with investment real estate?Talking more about investing in gold.Converting a Roth before taking RMD.Plus, we wonder why so many people seem to crave an apocalypse?   

It's Friday Q&A day and Don takes on half a dozen of your queries about:Fighting the crypto fight with family and friends over the holidaysThe right way to take out money in retirement.Another example of just how bad annuities really are.What's the difference between a mutual fund and collective investing trust (or "do we need another fund product?")Is there way to get better funds through 401k?Paul Merriman, I-bonds, CDs, EE bonds, and leaf blowers.

Just because you want something doesn't mean you can have it. What most investors want are high returns with little  – or preferably, no – risk. Wall Street is happy to try and convince you that it's possible and the popular media often falls for the pitch. There is no place to get a risk-free 4% return.Then, a listener wonders how to move money from Edward Jones to Fidelity or Schwab and where to "park" $900,000.

The past month has been nothing short of juicy. Grab a cup of tea and join us as we rank what's overrated and what's underrated:· Industry execs announce groundbreaking “Future Proof” wealth festival· Envestnet-backed Medicare startup Healthpilot launches· Schwab mandates substantial E&O insurance for 13,000+ RIA clients· Vanguard and American Funds double down on partnership· Potomac Fund Management leads with transparency· Squid Game cryptocurrency scams investors out of $2.1 million dollars.We hope you enjoy and follow us on this journey! If you have any ideas, comments or suggestions please fire them our way.Make sure you subscribe to never miss an update.Listen on AcastSubscribe in Apple PodcastsLearn more about Potomac Fund Management: https://potomacfund.com/Read our blog: https://blog.potomacfund.com/Disclosure: http://bit.ly/2l3OvaL See acast.com/privacy for privacy and opt-out information.

In our zeal to get the perfect portfolio, we sometimes lose track of the big picture. In other words, a strong plan managed properly doesn't need tweaking.What's our opinion of Dave Ramsey's recommendation of Zander ID theft insurance?What's the best way to deal with a higher-fee American funds 401k from Edward Jones that offers a decent match?

Welcome to Season 2, Episode 9 of Meet the Expert® with Elliot Kallen!https://prosperityfinancialgroup.com/meet-the-expert-with-elliot-kallen/be-prepared-be-empowered-womens-financial-empowerment/In this episode, Elliot Kallen brings on Leslie Geller, Attorney at American Funds, to discuss how women can arm themselves with the knowledge and perspective they need to understand and take control of their financial lives.Women and wealth: the statisticsBased on the data, all women should expect to be solely responsible for their financial well-being at some point in their lifetimes:- On average, women are expected to live for 5 years longer than men- About half of first marriages end in divorce- The median age of widowhood is 59 years- Women spend an average of 10+ years alone after the death of a spouse- 69 percent of divorces are initiated by womenBut married women are not preparing themselves for this event.Although they often handle the day-to-day family finances, like paying bills and budgeting, the majority of married women defer to their spouses on matters of financial planning and investing.Read more:https://prosperityfinancialgroup.com/meet-the-expert-with-elliot-kallen/be-prepared-be-empowered-womens-financial-empowerment/Meet with Elliot Kallen:https://calendly.com/elliotkallen

Welcome to Season 2, Episode 9 of Meet the Expert® with Elliot Kallen!https://prosperityfinancialgroup.com/meet-the-expert-with-elliot-kallen/be-prepared-be-empowered-womens-financial-empowerment/In this episode, Elliot Kallen brings on Leslie Geller, Attorney at American Funds, to discuss how women can arm themselves with the knowledge and perspective they need to understand and take control of their financial lives.Women and wealth: the statisticsBased on the data, all women should expect to be solely responsible for their financial well-being at some point in their lifetimes:- On average, women are expected to live for 5 years longer than men- About half of first marriages end in divorce- The median age of widowhood is 59 years- Women spend an average of 10+ years alone after the death of a spouse- 69 percent of divorces are initiated by womenBut married women are not preparing themselves for this event.Although they often handle the day-to-day family finances, like paying bills and budgeting, the majority of married women defer to their spouses on matters of financial planning and investing.Read more:https://prosperityfinancialgroup.com/meet-the-expert-with-elliot-kallen/be-prepared-be-empowered-womens-financial-empowerment/Meet with Elliot Kallen:https://calendly.com/elliotkallenAdvisory Services offered through Prosperity Financial Group, Inc., an independent registered investment advisor. Securities offered through Fortune Financial Services, Inc. Member FINRA/SIPC. Prosperity Financial Group, Inc. and Fortune Financial Services, Inc. are separate entities.

Reports of the 60/40 portfolios death have been grossly exaggerated. Seriously? What are the alternatives to bonds in a well-diversified portfolio?Then we takes questions about:Differences between US vs international bond investing?Which Fidelity funds to use in a self-directed retirement account?

Rather than have Don read the questions he answers we decided to employ some robot readers to read your typed in questions:How should retirement funds be allocated?What do we think about Capital Group (American Funds) and "C" shares?Why don't we suggest mid-cap funds? 

We examine the claim in Kiplinger's that pickle ball and investing are similar.After moving American Funds to Vanguard, is the allocation similar?What's our opinion of SSIRS, a retirement income strategy.The Motley Fool shares what should you do to prepare for the stock market bubble?What are the tax ramifications of a parent's gifts?Will a public employee face a lower Social Security payment?Looking for a strategy to reduce a spouses future taxes.Another caller tried to time the market and failed. 

Social Security Expert Marcia Mantell shares a depth of insights about "What's the Deal with Social Security for Women".  This content is for all.  Marcia reviews the 4 Gaps women in particular tend to face and that planners need to know. She also explains several myths and common questions.   https://mantellretirementconsulting.com/ https://boomerretirementbriefs.com/ Damian Carroll of Capital Group, provider of American Funds, drops in to inform FPA MA members about the 4 part webinar series throughout the year, "Taxes, Transfers and Tea Leaves". From insights on prospective tax law changes, to the latest estate planning techniques, to year-end philanthropic planning ideas.  Learn more at www.fpama.org. https://www.capitalgroup.com/

As April 15th approaches, our thoughts turn to taxes. Be careful. Don't let tax considerations overrule smart investing decisions.Listeners want to know:Are no-load American or T. Rowe Price funds as good as Vanguard index funds?Can a converted Roth be combined with a regular Roth?

The Gordon Asset Management Podcast welcomes John Doyle, Senior Vice President & Retirement Strategist for Capital Group / American Funds to the show. On the podcast we discuss the past, present, and future of Target Date Fund solutions, differentiators among TDF providers, and considerations for TDF suitability. For more information about Capital Group / American Funds, please visit https://www.capitalgroup.com/.

Day trading (heck, any kind of stock trading) will likely mess up your financial future. If you enjoy gambling, there are better ways to do it. No many lose over $100,000 in Las Vegas yet, with day trading, it's easy. Plus, day-trading poster site, Robin Hood is about to get spanked by regulators. Don also answers questions on:The best place to put Roth IRA money for kidsWaiting for a 401k match and where to go with the money.

If you are a financial professional looking to grow your business, improve your practice and save valuable time, then the PracticeLab podcast is a program for and about you.    In this series, we go coast-to-coast talking to financial professionals who are doing unique and powerful things in their businesses, and who are ready to share their best practices with you. If you're interested in ways to help acquire more clients, attract high net worth prospects, turbocharge your marketing, enhance your client experience, scale your practice and more, then you'll want to tune in to these episodes and hear some of the best ideas in the business.    PracticeLab is brought to you by Capital Group, home of American Funds. You can find all our episodes and more at practicelab.com. We hope you enjoy what you hear and — more importantly, what you learn — on the PracticeLab podcast.     American Funds Distributors, Inc., member FINRA

A caller wants to know whether it makes more sense to fund a health savings account before a 401(k).Another caller believes the US dollar is destined to collapse. Don and Tom share their opinions. Are there better funds than American Funds?Tom discusses lessons to be learned from Congressional stock trading.Plus, Paul Merriman stops by to share tips to supercharge your retirement. 

One of the biggest mistakes we make when managing our portfolio is failing to recognize the risks of reaching for greater yield.What are companies doing with their excess cash? One seems to think that Bitcoin is safer than cash.We hear from listeners about:Our explanation of the election's effect on the markets.Vanguard's disappointing customer service.Avoiding the wash sale rule when moving money from one fund group to another.The impact of changing rates on long-term bond funds. 

Matthew A. Costanzo is joined by David Polak to continue our election series. David Polak is an equity investment director at Capital Group (American Funds), leading the investment specialist team for equities and representing a number of Capital Group's global equity strategies. In addition, he is the global investment director for ESG. Matthew and David highlight some key economic indicators, discuss Capital Group's equity and bond strategies and outline how Capital Group intends to navigate through volatility over the coming months

Another question and answer day in which the theme seems to be: Keep It Simple.Don takes questions on:Reallocating investments from cash and tech stocks.Why stocks split.The best strategies for regular and Roth retirement accounts.What to do with some Dave Ramsey recommended American Funds.Why do we keep suggesting simple investing strategies. 

Even though we discussed them yesterday, the caller took exception to us criticisizing SPACs (special purpose acquisition companies) which he believes are the best investments around. Don begs to differ.Plus, a listener wants to know whether of not paying off a mortgage makes sense.Another is concerned that Robin Hood is robbing a friend.Finally, a security guard is unhappy with a very pricey 401(k) plan. 

Tom and Don discuss the tendancy for stockbrokers and insurance salespeople to lie to your face while they "disclose" the truth in thick paper packets that few ever read.Specifically, we discuss the possible prevarications associated with UBS and its YES or "yield enhancement system" and the sale of indexed annuities.Plus, we look at what Sorrento Pharmaceuticals claims did fr its stock price.Don compares active vs passive bonds using Bond Fund of America vs. Vanguard's Total Bond Market Index fund.Plus, a caller chares a horror story about a "charitable annuity" that turned out to be a Ponzi scheme.

This week I had a timely conversation with a new guest, Chris Anast, CFA, and Senior Vice President, Senior Retirement Strategist with the Retirement Strategy Group at American Funds, part of Capital Group. We focus mostly on the paper he authored with DCIIA about the "Five Practical Barriers to Better Retirement Outcomes.” Interestingly, this was released shortly after the world was turned on its ear with the COVID pandemic. While I wont’ steal his thunder on the five practical barriers, I will say we thoroughly vet if their findings are still relevant today. Towards the end, we take a little tangent and think about other barriers employees face on their journey to retirement and how employers can help. You can find a copy of the report and more information on this episode at 401kfridays.com/barriers   Before we get started, thank you to all of our loyal listeners. I hope the content has helped you navigate this crazy time in the markets and economy. As a reminder, please share the podcast or any takeaways you have with friends, colleagues or anyone you feel could benefit. They can find us by searching 401(k) Fridays on their favorite podcast app, or by going to the website at 401kfridays.com.  Guest Bio Chris Anast, CFA, is a Senior Vice President, Senior Retirement Strategist with the Retirement Strategy Group at American Funds, part of Capital Group. Chris has 20 years of institutional investment experience and joined Capital Group in 2017. Prior to joining Capital, Chris was a Director, Chicago Investment Practice Leader, and a Senior Investment Consultant at Willis Towers Watson. His primary responsibilities at Willis Towers Watson included leading the investment consulting practice for the Central United States, participating on strategic leadership roles for the global business, and lead investment consultant on Fortune 500 companies for defined benefit and defined contribution plans on both and advisory and delegated/OCIO basis. Chris was also one of the founding members of the Mesirow Financial Investment Strategies defined contribution practice offering 3(21) and 3(38) fiduciary services. He has been a regular contributor to DCIIA Plan Design and Administration Committee including a primary author of the DCIIA white paper, “Defined Contribution Plan Success Factors”. Chris has a Bachelor of Science degree in Finance from the University of Florida. He is a Chartered Financial Analyst. He is a member of the Chartered Financial Analyst Institute of Chicago and participates in other organizations such as EBRI, PSCA, and WISER. 401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over 175 prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!

President Trump tweeted that hedge fund managers are manipulating the markets with the media appearances and Don agrees. It shouldn't be legal to use the media to make millions.Plus, Don takes a bunch of call at 855-935-8255.First, is Edelman/Financial Engines worth a 1.75% annual money management fee?Another caller is looking for an opinion and information on Dave Ramsey's investing advice.Finally, a Thrivent client wants to know whether to follow his "advisor" as he goes to another firm.

With rates near zero, where can income-seeking investors turn for higher yield without taking on too much credit risk? Veteran bond managers Damien McCann and Scott Sykes are here to help you navigate credit markets in a post-crisis world.  To view the webinar or attend future webinar events, visit volatility2020.com. This episode is available for one hour of CE credit for CFP* and CIMA designations. Take the CE credit quiz. For U.S. listeners: Seeking higher income in a low-rate world webinar slides (PDF)  *CFP credit is available only for U.S.-based webinar registrants. For Canadian listeners (financial advisors only): American Funds are intended only for persons eligible to purchase U.S.-registered mutual funds. To view webinar and slides or attend future webinars, register here. Do you have any suggested topics for Capital Ideas? Please contact our editorial team at capitalideas@capgroup.com. The Capital Ideas website is not intended for use outside the U.S. In Canada, please visit capitalgroup.com/ca for Capital Group insights.

It's a mailbag edition of the podcast and Ben answers five questions from listeners covering a wide array of financial and retirement topics, including company stock, real estate investing, Social Security benefits, mutual funds, marijuana stocks and more.   Get the full show notes and additional resources here: https://www.baschrock-fg.com/podcast/ep-28-mailbag-time-contribution-limits-social-security-marijuana-stocks/    Today's rundown:  0:39 – We're opening up the mailbag to take a number of questions today. 2:20 – Mailbag question #1: It appears that I'm now able to contribute more to my 401k this year than I was allowed to last year. Should I go ahead and put in the extra amount? 3:56 – Mailbag question #2: I have several thousand dollars of company stock I'd like to cash in to make a down payment on some land where I'll eventually build a vacation home. Is there any reason I shouldn't do that? 5:08 – Do you have a lot of clients looking move money from their retirement accounts into real estate? 5:52 – Mailbag question #3: I've worked with a couple of different financial advisors over the years and I like them both. Do I need to pick just one or the other, or is it ok to work with a couple of different people? 7:08 – Would Ben recommend his clients stick with one advisor? 8:12 – Mailbag question #4: I just looked at my Social Security estimate that shows how much I'll get if I started at ages 62, 66, and 70. I'm blown away by how much more I'd get at 70, so I'm inclined to just wait until then to start it, even though I'll probably retire around 66 or 67. I'm assuming that putting it off like this is the best course of action for someone like me? 10:00 – We offer a Social Security guide on the website that will help you with a number of things. 11:03 – Mailbag question #5: I rolled over a 401k to an advisor a couple of years ago and he put all of the money into something called American Funds. Is that ok, or should I be invested in other things too? 12:41 – Mailbag question #6: How do you avoid investing in things that you view as immoral? Take marijuana as an example. I'm in several mutual funds, but I don't know what stocks they're using. Could I be profiting off of the marijuana industry by accident? I don't want to do that. How do you help navigate people through the investment world while respecting certain morals and religious beliefs? 14:18 – Are many people interested in marijuana stocks?

It’s a mailbag edition of the podcast and Ben answers five questions from listeners covering a wide array of financial and retirement topics, including company stock, real estate investing, Social Security benefits, mutual funds, marijuana stocks and more. Get the full show notes and additional resources here: https://www.baschrock-fg.com/podcast/ep-28-mailbag-time-contribution-limits-social-security-marijuana-stocks/  Today's rundown: 0:39 – We’re opening up the mailbag to take a number of questions today.2:20 – Mailbag question #1: It appears that I’m now able to contribute more to my 401k this year than I was allowed to last year. Should I go ahead and put in the extra amount?3:56 – Mailbag question #2: I have several thousand dollars of company stock I’d like to cash in to make a down payment on some land where I’ll eventually build a vacation home. Is there any reason I shouldn’t do that?5:08 – Do you have a lot of clients looking move money from their retirement accounts into real estate?5:52 – Mailbag question #3: I’ve worked with a couple of different financial advisors over the years and I like them both. Do I need to pick just one or the other, or is it ok to work with a couple of different people?7:08 – Would Ben recommend his clients stick with one advisor?8:12 – Mailbag question #4: I just looked at my Social Security estimate that shows how much I’ll get if I started at ages 62, 66, and 70. I’m blown away by how much more I’d get at 70, so I’m inclined to just wait until then to start it, even though I’ll probably retire around 66 or 67. I’m assuming that putting it off like this is the best course of action for someone like me?10:00 – We offer a Social Security guide on the website that will help you with a number of things.11:03 – Mailbag question #5: I rolled over a 401k to an advisor a couple of years ago and he put all of the money into something called American Funds. Is that ok, or should I be invested in other things too?12:41 – Mailbag question #6: How do you avoid investing in things that you view as immoral? Take marijuana as an example. I’m in several mutual funds, but I don’t know what stocks they’re using. Could I be profiting off of the marijuana industry by accident? I don’t want to do that. How do you help navigate people through the investment world while respecting certain morals and religious beliefs?14:18 – Are many people interested in marijuana stocks?

Tom starts the episode with an off-key tribute to Kenny Rogers and suggests you hold 'em... and rebalance 'em. You need a plan that starts with your risk tolerance. Plus, why you need some historic perspective.Our first caller expresses concern about his stable value fund.Then, Tom and Don applaud a listener for taking advantage of the reduced price of stocks.How far have bonds yields fallen recently?An American Funds investor is concerned about the huge decline in his funds' value.Why you need bonds in your portfolio and how bond funds work. Recency bias: another emotion that messes with our perception.

Olde Raleigh Financial's Meet the Masters Video Series https://olderaleighfinancial.com Jacob Gerber has been in the business for 21 years, all with American Funds. Early in his career he was a manager of results. The results analysis department. That sounds fascinating. Holds a bachelor's degree in biology from the University of California, Los Angeles. American Funds Capital Group, is an organization who has one business in mind, that's investing money for clients and to better their lives, with hopefully returning you more than you gave us, so that you can produce outstanding returns and use that money for your needs. And to that end today, we're about $2 trillion in assets. So if you haven't heard of us, that's a good thing, because we're not a bank. We don't put our name on stadiums and baseball stadiums and things of that nature. We put 100% of our energy into producing investment results. I've been with the firm almost 22 years now. And the ethos of the firm really comes from the Midwest actually. Our founder started off in Detroit, came to the West coast, actually called the great depression back in 1928 and left Detroit. If you think about Detroit today versus then, Detroit was the Silicon Valley in the 20s. New cars, automobiles, technology, and he was doing something very unique back in the 20s, with a firm that was called E. E. McCrone. But it was fundamental bottom up research. What does that mean? He actually went to go visit companies that we potentially would invest in. Believe it or not, that was not done in those days. And if you asked me 10 years ago, what's our investment approach, I would've said, Oh, good old fashioned bottom-up research. But today, not to be punchy about it. I would call it a boutique. Read Full Interview Transcript at: https://olderaleighfinancial.com/meet-the-masters-presents-jacob-gerber-investment-specialist-capital-group-of-american-funds/ Olde Raleigh Financial Group 3110 Edwards Mill Road, Suite 340 Raleigh, NC 27612 Phone: 919.861.8212 This material is provided as a courtesy and for educational purposes only from Olde Raleigh Financial Group, A member of Advisory Services Network and should not be construed as investment advice. All information contained in this video is derived from sources deemed to be reliable but cannot be guaranteed. All economic and performance data is historical and not indicative of future results. All views/opinions expressed in this video are solely those of the presenter and do not reflect the views/opinions held by Advisory Services Network, LLC. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

With the national elections in November, the parties have VERY different opinions regarding who should be paying their fair share of income taxes. But do we really know who pays what? You certainly can’t rely on either political party to give you the straight information. We also dive into a discussion on how to reasonably incorporate emotions into your financial plan. Show Notes: 1:32 - Who Pays Income Tax? 2:20 - Income Tax Statistics From 2016 5:12 - Top Wage Earners 7:01 - Emotions In Financial Planning 7:29 - Fear And Greed 9:59 - Invest For The Long Term 10:55 - Using Emotions For A Good Cause 12:23 - Taking Clients' Emotions Into Consideration 16:49 - Mailbag Question from Frank: "My 401 (k) got rolled over into American Funds, is this a good thing?"

In this month’s episode Dave and Steve start (1:10) by recapping the market over the past year. After that the discussion turns (2:45) to politics, and what effect certain candidates might have on the stock market. To finish up (10:10), they discuss an online guide to uncertain markets published by American Funds. Listen now to find out how soccer penalty kicks relate to how you manage your investments!

In this week’s podcast, Christine Benz shares valuable insights for retirees on traps to avoid in a turbulent market, Jake Strole comments on CVS’ new approaches to managing healthcare needs, Alex Bryan addresses possible risks indexing poses for the market, Krzysztof Smalec highlights a new wide-moat stock for your watchlist, Alec Lucas explains what makes American Funds’ equity lineup golden, and Dan Kemp explains whether bond yields can really predict recession.

In this week’s podcast, Christine Benz shares valuable insights for retirees on traps to avoid in a turbulent market, Jake Strole comments on CVS’ new approaches to managing healthcare needs, Alex Bryan addresses possible risks indexing poses for the market, Krzysztof Smalec highlights a new wide-moat stock for your watchlist, Alec Lucas explains what makes American Funds’ equity lineup golden, and Dan Kemp explains whether bond yields can really predict recession.

A few years ago, the idea that participants in 401(k) plans were going to keep their money in their retirement plans longer started to gain traction.  Today, my guest Sue Walton, a SVP and Senior Retirement Strategist with The Capital Group shares how that idea got started and more.  I start with sharing a few of my preconceived notions about how retirement plans work for retirees, Sue responds to a few cynical comments and then get into the meat of how to make your workplace retirement plan more retiree friendly and how that could help your company and employees.  With some potential help on the way in the form of legislation, don’t miss our conversation on the current state of retirement income and how employers could integrate that into their plans going forward.  Finally, I stepped all over Sue’s great wrap up, but i think it was worth it.   Quick thought before we get started, next time you are on LInkedIn, be sure to follow the 401(k) Fridays Podcast page.  I use that to announce new episodes, give you opportunities to ask questions of future guests and more.  And, don’t be shy.  If you have a question you want me to ask a future guest, leave it in the comments or shoot me an email to feedback@401kfridays.com.   Guest Bio Sue Walton is a senior defined contribution strategist at American Funds, part of Capital Group. She has 21 years of industry experience and has been with Capital Group for two years. Prior to joining Capital, Sue was a director at Towers Watson Investment Services. Before that, she was an investment consultant at Mercer Investment Consulting and Ellwood Associates. She holds an MBA from DePaul University with a concentration in finance and a bachelor’s degree in business administration, economics and international business from Marquette University. Sue is based in Chicago. 401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over 150 prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday! Disclosure Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. American Funds distributed by American Funds Distributors, Inc.

Do You Have Your Priorities?Aired Thursday, 16 May 2019, 5:00 PM EST / 2:00 PM PSTLife pulls at us – children, work, loved ones, advertisers all with their own agenda and desires. Where is your life energy going? Let’s take a look at priorities — so you can make sure you’re meeting yours, and not just everyone else’s!Guest Sophie Michele is a speaker & coach who was born and raised in Paris, France and moved to the United States to go to the University of Southern California school of Film and Television. She went on to produce large scale events such as the The Three Tenors Concert in Paris.Sophie also worked for Rolex Watch USA and The American Funds to help them revamp their workflow processes.Today, Sophie speaks around the world about Leadership, Business and how nothing is really wrong with you. A mom of two teenagers and successfully divorced, she has an abundance of things to talk about to shake things up.Submit show ideas and connect at: www.meetkathywilliams.com

You've heard a lot of talk about an "inverted yield curve." What the heck is it? Do we currently have one? What does it mean for my portfolio? Or does it really mean much of anything? Plus, a call about selling American Funds and moving to index funds.

Sophie Michèle – From Overwhelm to PossibilityAired Thursday, 21 March 2019, 5:00 PM EST / 2:00 PM PSTThe fast pace of today’s world, combined with easy access to communication and technology wherever we go, leaves many of us feeling overworked, under-rested and as though we can’t get ahead of the ever growing to do list. Join Kathy & Sophie for a new perspective on overwhelm and for some tips for turning what’s overwhelming into greater possibilities.We love to hear from you! Give Kathy your show ideas & feedback at: www.meetkathywilliams.comAbout the Guest: Sophie MichèleSophie was born and raised in Paris, France and moved to the United States to go to the University of Southern California school of Film and Television. She went on to produce large scale events such as the The Three Tenors Concert in Paris and a Musical Spectacular in Las Vegas.Curious about the corporate world, Sophie also worked for Rolex Watch USA and The American Funds to help them revamp their workflow processes. Already, she was instilling the seeds of change, asking these companies to consider ways of doing things that were neither traditional nor familiar.Today, Sophie speaks around the world about Leadership, Business and how nothing is really wrong with you. A mom of two teenagers and successfully divorced, she has an abundance of things to talk about to shake things up.

In this episode Don and Tom take call about 529 Plans, real estate, retirement, Roth IRAs, mortgages and more! They share valuable advice on building better portfolios, dealing with inheritances and determining your risk tolerance. Don’t let a broker set up a 529 plan for you! Real estate purchases and things to consider. Deciding the right time to go into retirement. What percentage of your Roth IRA should be bonds? Better portfolios for a better future! Why it is better to have single accounts rather than across multiple institutions. Losing money safely versus earning money with risk. Creating a 529 for nieces and nephews. Should you pay off your mortgage off? Talking Real Money Twitter — https://twitter.com/talkrealmoney Financial Fysics on Amazon – https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557 Vestory — https://vestory.com/ Vanguard — https://about.vanguard.com/ Venmo — https://venmo.com/ My529 — https://my529.org/

Sophie Michèle – Being A Woman TodayAired Thursday, 21 February 2019, 5:00 PM EST / 2:00 PM PSTStrong & Wild…How is a woman like a dandelion?A Dandelion is one of the hardiest plants that grows everywhere whether you want it to or not. Its seeds are easily blown everywhere by the wind. Every part of the dandelion can be used and has many healing properties.A woman is strong, resilient and will generously share her energy with the world. In this time of reclaiming our power and our place in society is it also time we acknowledge our true nature?Join Kathy Williams and Sophie Michèle as they discuss being a woman today and acknowledging all of our parts – even the ones we made secret!Sophie was born and raised in Paris, France and moved to the United States to go to the University of Southern California school of Film and Television. She went on to produce large scale events such as the The Three Tenors Concert in Paris and a Musical Spectacular in Las Vegas.Curious about the corporate world, Sophie also worked for Rolex Watch USA and The American Funds to help them revamp their workflow processes. Already, she was instilling the seeds of change, asking these companies to consider ways of doing things that were neither traditional nor familiar. Today, Sophie speaks around the world about Leadership, Business and how nothing is really wrong with you. A mom of two teenagers and successfully divorced, she has an abundance of things to talk about to shake things up.

When we get the question of “What is the best strategy for me to save for retirement” and it comes for an entrepreneur, the answer is seldom as simple as it might seem.  So, where and how do you start?   We thought it would be helpful to cover a few key concepts and then follow the progression of an entrepreneur along their journey from a “solopreneur” with an idea or inspiration for a business to experiencing some success, hiring employees, scaling and eventually selling the business and weave in along the way how different retirement plan strategies could potentially support their personal and business goals along the way.  While I know some in our audience are not necessarily entrepreneurs, however I bet you know someone who is or maybe you might be one down the road!  Be sure to share with your friends, colleagues or social networks that might have entrepreneurs, sole proprietors or business owners who could benefit!  They can easily find the podcast on iTunes, their favorite podcast app by searching 401(k) Fridays or on the web at 401kfridays.com/Shelton.   ​Finally, This episode came about because of several questions from our listeners and some recent industry conversations I was a part of.  If you have questions or a topic that you think could make for a great future episode, please shoot us an email to feedback@401kfridays.com.        Guest Bio Patrick is the Managing Member of Benefit Plans Plus and has more than 25 years of retirement plan industry experience in banking/trust, insurance, and third party administrative environments. He is responsible for innovating and executing the firm’s business plan. Additionally, he specializes in financial advisor relations, including 401k sales prospecting presentations, vendor searches, and fiduciary consulting. ​ Patrick’s reputation as a nationally recognized industry thought leader has allowed him to give back through various platforms in the media, speaking at industry events, and participating on various panelist presentations. ​ Additionally, Patrick serves on the American Funds, Transamerica, and Lincoln TPA leadership roundtables. He is also a board member and past President of the National Institute of Pension Administrators (NIPA). ​ Patrick was the first recipient of Brown Smith Wallace’s prestigious Founder’s Award, which recognizes top employees for excellence in leadership and contribu on to firm growth since 2003.  ​ A graduate of Westminster College in Fulton, Missouri, Patrick holds a Bachelor of Arts degree in Business/Committee Plan. ​ He has also earned the Group Benefits Associate (GBA) designation from the International Foundation of Employee Benefits Plans Certified Employee Benefit Specialist (CEBS) program. Patrick also holds a Life and Health Insurance License in the state of Missouri and is a member of the Financial Planning Association.  ​ As a youth, Patrick had two separate basketball coaches that were former NBA players, and he also played college basketball. Patrick is also a fan of fantasy/ SIFI. 

Last year, Vice President Mike Pence pledged support to Christians, Yazidis, and other minorities forced out of their homelands in Iraq by ISIS. Religious freedom advocates and groups in the Kurdish region of northern Iraq cheered the news. Then, the money didn’t come. Last week, the Trump administration announced a multimillion-dollar assistance plan to bring the total funding over the past year for religious minorities in Iraq to nearly $300 million. The money will be used to rebuild communities, preserve heritage sites, secure left-behind explosives, and empower survivors to seek justice. Those charged with administering the funds have their work cut for them. “From the time of the US invasion to now, you have seen a Christian church of over a million people that has been reduced to 100,000 people,” said Mindy Belz, senior editor at World Magazine, who has visited and reported from Iraq frequently over the past two decades. When Saddam Hussein’s regime was first toppled, Christians were hopeful, says Belz. But as the US stayed on, things got worse for the community. “When the US had troops on the ground and were essentially running the government to it, we were not paying attention to the minorities—the Christians, the Yazidis, the Shabak, the Turkmen. We were not looking out for them,” said Belz, who is also the author of They Say We Are Infidels. “They did not have sufficient political representation that would look out for them, and they were getting no favors from the Iraqi government so the jihadists were targeting them with impunity.” Belz joins associate digital media producer Morgan Lee and editor in chief Mark Galli to discuss what went wrong with last year’s plan to send money to Iraq, how ISIS changed how Christians relate to their fellow religious minorities and their Muslim neighbors, and what life is like on the ground in Iraq right now for the church.

In this episode our hosts advise you to stay away from actively managed funds! Don and Tom look at the recent Seattle pension debacle before looking at emerging market funds and which give the best returns. We also cover some questions on payouts, rollovers and how to view investment in your 20s. The episode finishes off with a reminder about how volatility relates to investment returns. - How to invest a company payout smartly. - Weighing up 401(k) and IRA accounts. - Rollovers and transfers in IRAs and how to do them safely. - When to move funds from a 401(k) to a Roth IRA for tax reasons. - Why younger investors should not focus on bonds. - The Seattle pension problem. - Comparing a few emerging market funds. - The correlation between volatility and returns. Money Thirty Podcast — [https://www.moneythirty.com/](https://www.moneythirty.com/) Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) Vestory — [https://vestory.com/](https://vestory.com/) 401411 — [http://www.401411.com/](http://www.401411.com/) Vanguard — [https://investor.vanguard.com](https://investor.vanguard.com) The Science of Retirement Investing — [http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland](http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland) Retiremeet North — [http://www.retiremeet.com/](http://www.retiremeet.com/) Elon Musk — [https://www.tesla.com/elon-musk](https://www.tesla.com/elon-musk) Seattle Pension Issue — [https://www.seattletimes.com/seattle-news/seattles-retirement-fund-was-mismanaged-now-taxpayers-are-paying-the-price/](https://www.seattletimes.com/seattle-news/seattles-retirement-fund-was-mismanaged-now-taxpayers-are-paying-the-price/) Kmart — [http://www.kmart.com/](http://www.kmart.com/) Sears Holdings — [https://searsholdings.com/](https://searsholdings.com/) Kenwood — [http://www.kenwoodworld.com/](http://www.kenwoodworld.com/) Royal Wedding — [https://www.royal.uk/royalwedding](https://www.royal.uk/royalwedding) DFA Global Equity Portfolio — [http://www.morningstar.com/funds/xnas/dgeix/quote.html](http://www.morningstar.com/funds/xnas/dgeix/quote.html) The Seattle Times — [https://www.seattletimes.com/](https://www.seattletimes.com/) Fidelity — [https://www.fidelity.com/](https://www.fidelity.com/) American Funds — [https://www.americanfunds.com/](https://www.americanfunds.com/) T. Rowe Price — [https://www3.troweprice.com/](https://www3.troweprice.com/) Morningstar — [http://www.morningstar.com/](http://www.morningstar.com/)

More and more frequently when I see a news piece or industry article about 401(k) or workplace retirement plans, a key element is invariably fees.  Going one step further they also tend to highlight the advantages of low cost index or passively managed investments.  Based on my conversations with investment committees and retirement plan fiduciaries, there seems to be a few common reasons for the recent increased popularity in index funds: the industry focus on fees, investment performance of passively managed strategies and 401(k) litigation. To comment on my observations and provide a few of her own on the whole active and passive conversation I am excited to have Sue Walton, a Senior Defined Contribution Strategist with American Funds join me on the podcast.  We also address a few other important elements in the active passive conversation that don’t tend to get a lot of press, but are vitally important to consider. Hopefully there are a few nuggets you can take back to your next 401(k) committee meeting! Guest Bio Sue Walton is a senior defined contribution strategist at American Funds, part of Capital Group. She has 19 years of industry experience and has been with Capital Group for one year. Prior to joining Capital, Sue was a director at Towers Watson Investment Services. Before that, she was an investment consultant at Mercer Investment Consulting and Ellwood Associates. She holds an MBA from DePaul University with a concentration in finance and a bachelor’s degree in business administration, economics and international business from Marquette University.  401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your workplace retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over seventy-five prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!

When we get the question of “What is the best strategy for me to save for retirement” and it comes for an entrepreneur, the answer is seldom as simple as it might seem.  So, where and how do you start?   We thought it would be helpful to cover a few key concepts and then follow the progression of an entrepreneur along their journey from a “solopreneur” with an idea or inspiration for a business to experiencing some success, hiring employees, scaling and eventually selling the business and weave in along the way how different retirement plan strategies could potentially support their personal and business goals along the way.    While I know some in our audience are not necessarily entrepreneurs, however I bet you know someone who is or maybe you might be one down the road!  Be sure to share with your friends, colleagues or social networks that might have entrepreneurs, sole proprietors or business owners who could benefit!  They can easily find the podcast on iTunes, their favorite podcast app by searching 401(k) Fridays or on the web at 401kfridays.com/Shelton.   ​ Finally, This episode came about because of several questions from our listeners and some recent industry conversations I was a part of.  If you have questions or a topic that you think could make for a great future episode, please shoot us an email to feedback@401kfridays.com.  Guest Bio Patrick is the Managing Member of Benefit Plans Plus and has more than 25 years of retirement plan industry experience in banking/trust, insurance, and third party administrative environments. He is responsible for innovating and executing the firm’s business plan. Additionally, he specializes in financial advisor relations, including 401k sales prospecting presentations, vendor searches, and fiduciary consulting. Patrick’s reputation as a nationally recognized industry thought leader has allowed him to give back through various platforms in the media, speaking at industry events, and participating on various panelist presentations. Additionally, Patrick serves on the American Funds, Transamerica, and Lincoln TPA leadership roundtables. He is also a board member and past President of the National Institute of Pension Administrators (NIPA). Patrick was the first recipient of Brown Smith Wallace’s prestigious Founder’s Award, which recognizes top employees for excellence in leadership and contribu on to firm growth since 2003.  A graduate of Westminster College in Fulton, Missouri, Patrick holds a Bachelor of Arts degree in Business/Committee Plan. He has also earned the Group Benefits Associate (GBA) designation from the International Foundation of Employee Benefits Plans Certified Employee Benefit Specialist (CEBS) program. Patrick also holds a Life and Health Insurance License in the state of Missouri and is a member of the Financial Planning Association.  As a youth, Patrick had two separate basketball coaches that were former NBA players, and he also played college basketball. Patrick is also a fan of fantasy/ SIFI.  401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your workplace retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over seventy-five prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!

CLS, a 29 year Advisor to Advisors in Portfolio Management, works with thousands of Advisors to help manage their portfolios with a variety of Mutual Funds and Separately Managed Acct's.  Case manages their American Funds Porfolios, selecting the combination of  funds within American Funds that is viewed to be most advantageous during particular maket cycles.  Listen to Case explain the "Risk Budgeting" approach of CLS and their approach to allocating among various Mutual Funds. Visit CLS @ https://www.clsinvest.com/  

We discuss health care, savings account rates, American Funds, retirement accounts, multiple streams of income, and hiring a CPA.

Wisdom of Experience: Lessons Learned From Millennial, Generation X and Baby Boomer Investors  ft. Heather Lord, Strategy & Innovation Director at American Funds This episode is brought to you by Jumpstart:HR, LLC HR Outsourcing and Consulting for Small Businesses and Startups www.jumpstart-hr.com About this episode: Who’s staying up all night worrying about retirement? It is not the Boomers but the generation that came of age during the dot-com bust, the global financial crisis and housing collapse – Generation X or anxious!  Nearly two-thirds (63%) of Gen Xers are kept up at night thinking about financing their retirement and even more are looking to increase the upside of their investments so they can get on track, according to a survey by American Funds, a family of mutual funds from Capital Group, one of the world’s leading investment management firms.   “Wisdom of Experience: Lessons Learned From Millennial, Generation X and Baby Boomer Investors” surveyed over 1,200 U.S. adults, focusing on Millennials (21-36 years old), Generation X (37-51 years old) and Baby Boomers (52-70 years old), to understand their perspectives on a range of investing and retirement issues.   On this episode, Heather Lord, Strategy & Innovation Director at AmericanFunds, will detail the findings of the “Wisdom of Experience: Lessons Learned from Millennial, Generation X and Baby Boomer Investors” survey and what investors should be thinking about at various stages in their lives. About Heather Lord: Heather Lord is strategy & innovation director at American Funds, part of Capital Group. She has 11 years of industry experience and joined Capital Group this year. Prior to joining Capital, Heather worked as a principal at Boston Consulting Group. Before that, she was a senior vice president, strategy & client experience at Charles Schwab. She holds a PhD in applied statistics and psychology from Yale University and a bachelor's degree in statistics from Cornell University. Heather is based in Los Angeles.

This episode comes to you from our interview series, in which I interview great leaders and try to extract their best leadership practices. In this episode, I had the privilege of interviewing Greg Weimer, Partner at Confluence Financial Partners. In the interview, Greg shares his best leadership content. I know this episode will add a ton of value to you! Enjoy! Greg's Bio: In a profession that reveres experience, Greg has been guiding his clients in the management of their wealth since 1986. It was then that he joined Butcher & Singer as a Financial Advisor. He later moved to CNL Securities Corporation in 1989 and then to American Funds in 1993, where he was a Senior Vice President. He has also served on the board of directors for American Funds. Greg attended the University of Pittsburgh where he graduated with a degree in business. His time of study included a concentration in computer science and math. Professionally, he holds Series 24, 26, 7, 63 and 65 licenses. Greg lives in Pittsburgh’s South Hills, with his wife, Lori, and their four children. Greg and his family are active members of St. Louise de Marillac Church. Greg has a heart for helping others and serves as Vice Chairman of the Washington City Mission. He is a two-time recipient of the Graham Holloway award and a recipient of the Daniel C. Brown award. Connect with L3 Leadership: Website: L3Leadership.org LinkedIn: https://www.linkedin.com/company/l3-leadership Facebook: https://www.facebook.com/L3Leader Twitter: @L3leader Instagram: @l3leadership Podcast: The Learning to Lead Podcast in iTunes How You Can Help this Podcast: To listen to past interviews, go to my podcast page. Subscribe to this podcast Rate and leave a review of the podcast Share the content on Social Media Sign-up for my Learning to Lead Newsletter If you have an idea for a future podcast you would like to hear or a leader you would like me to interview, e-mail me at dougsmith@l3leadership.org. If you enjoyed the podcast, please rate it on iTunes and write a review.Support the show (https://www.patreon.com/l3leadership)