Podcasts about central kentucky

What happens when God asks you to leave everything familiar behind before showing you where you are actually going? Are you willing to trust His promises when the path forward is completely hidden from view? This week on Off Script, Connor Hall steps in for Neil Gregory to sit down and discuss a powerful Father's Day weekend. They unpack the launch of a new series on faith, diving deep into the story of Abram in Genesis 12 and what it looks like to step out in radical obedience. The conversation covers the grueling process of writing a sermon twice, the tough boundaries surrounding worship music and theology, and the countercultural reality that partial obedience is still disobedience. Ultimately, this episode serves as a reminder that while false gods will always demand that you bleed for them, our God is the one who bled for us. The Challenge: Identify one area of your life where you have been offering God "partial obedience" or trying to bring your old baggage along for the ride. This week, make the definitive choice to clear out the weeds, leave that comfort zone behind, and take one full step of pure obedience into the unknown. Hosts: Connor Hall and Scott Nickell What We Discuss: • Connor Hall stepping in to host the podcast while Neil Gregory is away across the pond in Ireland • How preaching on Father's Day affects Scott, and why the turnout this past weekend was a proud moment • The behind-the-scenes breakdown of why a sermon had to be entirely rewritten on a Wednesday morning due to a worship song copyright slide • The specific theological boundaries the church maintains regarding certain ministries, false gospels, and musical infiltration • Dissecting the massive chronological gap between Genesis 12, verses 3 and 4, by using Stephen's speech in Acts 7 • Why Abram's decision to bring Lot along was a hedge of his bets and a form of partial obedience • Reject, Redeem, Receive: A practical three-part filter for evaluating what can and cannot come with you into your Christian walk • Dismantling the cultural pressure of progressive Christianity that attempts to mold God's word around personal sexual identity About Southland Christian ChurchSouthland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Are you actively feeding your mind the things that produce true joy, or is your mental diet shaping you into someone who is grumpy, despairing, and ungrateful? This week on Off Script, Neil sits down with the president of Ozark Christian College, Matt Proctor, to dive deep into a powerhouse verse that got cut from Sunday's sermon: Philippians 4:8. They discuss what it practically means to audit our mental intake and how tasting the "real thing" in Christ completely weakens the appeal of the world's counterfeits. From the compounding impact of social media algorithms and passive marketing in our homes, to finding the strength to give thanks in all circumstances rather than for them, this conversation is an urgent reminder that true joy is something we must actively fight for and cultivate daily. The Challenge This week, slow down and practice the discipline of Christian meditation. Instead of gulping down chapters of Scripture just to check off a box, take just one verse, like Philippians 4:8, and chew on it slowly all week long, asking questions of the text and allowing it to take real residence in your heart, mind, and soul. Hosts: Neil Gregory and Matt Proctor What We Discuss •How Matt unexpectedly transitioned from a local church pulpit to serving as the president of Ozark Christian College for 20 years •The joy of traveling the globe to see how a "little bitty college" in Missouri impacts millions through its alumni •How Matt manages a demanding travel schedule and a massive family of six kids and seven grandkids alongside his wife, Katie •Diving deep into Philippians 4:8 and why Matt felt guilty for having to cut this highlight verse from his Sunday sermon •The "Secret Service" approach to joy: why focusing on the real thing makes worldly counterfeits lose their flavor •A sobering historical look at how a young Adolf Hitler's isolation and toxic mental diet shaped his path toward destruction •Practical ways to practice "passive marketing" on your kids by strategically decorating your home with scripture and faith reminders •The powerful distinction in 1 Thessalonians 5 between giving thanks for your difficult circumstances versus giving thanks in them •Matt's infamous "three flat tire day" where his wife reminded him of James 1:2 right as he was grumbling on the curb •The unforgettable ministry lesson Matt learned from Raymond, a nursing home resident with MS who chose to sing "I'm so happy" every single week •Balancing holy ambition with the spiritual necessity to pause, pull back, and understand the difference between abounding and abiding  About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Severe bleeding is the primary cause of preventable fatalities in trauma patients. And a relatively new program in Fayette and surrounding counties is looking at how pre-hospital blood transfusions can save lives. Dr. Greg's guest this week is Dr. Andrew Bernard, the Paul A. Kearney, MD endowed chair in trauma surgery at the University of Kentucky who'll tell us more about the highly specialized, life-saving tool.

Are you building your life on a personal resume of accolades, or are you ready to trade it all in for something that actually lasts? This week on Off Script, Neil and Scott dive into Philippians Chapter 3 to explore what it truly means to count everything as loss compared to the ultimate prize of knowing Jesus Christ. The guys talk about how easy it is to treat our credentials, whether it's church heritage, hard work, or worldly success, as a security blanket, and how Paul radically redefines all of it as skubalon. This conversation challenges us to draw a line in the sand, throw away our self-made resumes, and firmly anchor our identity in Christ alone. The Challenge This week, take a hard look at where you are placing your daily confidence. When you feel tempted to cross the line back into earning God's favor or leveraging your status over others, consciously choose to drop that resume in the trash, stand firm, and take offensive action in your faith. Hosts: Neil Gregory and Scott Nickell What We Discuss Scott's behind-the-scenes mishap of accidentally cutting an entire page of notes and a cue quote during the first service How Paul's mindset in Acts 20 of facing imprisonment and afflictions heavily influenced Scott's journey back to Southland Reflecting on Jim Elliot's missionary legacy and Edmund Clowney's quote about the church being composed of "losers" for Christ The rich young ruler and the parable of the man building bigger barns to store up temporary worldly wealth A moment of vulnerability regarding entitlements, taking shots from critics, and the danger of treating knowledge as wisdom Scott's blunt interaction with a churchgoer right before service and why tolerating lies is not a Christian virtue The cultural prescriptions of the "Bible Belt"—from perfect attendance to Church badges—versus actual heart transformation Unpacking the extreme Greek word skubalon and why Paul used the equivalent of a cuss word to describe his credentials Navigating the ditch of legalism on one side and "grace abusers" (antinomianism) on the other What it practically means to "stand firm" using wrestling terminology and taking offensive action in your marriage, parenting, and career About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Are you trying to find fulfillment by filling yourself up, or are you ready to experience the deep joy that only comes from pouring yourself out?  This week on Off Script, Neil and Scott dive into Philippians Chapter 2 to explore the radical humility of Jesus and what it practically looks like to live a life of emptying ourselves for others. The guys break down the stark contrast between a "stagnant lake" that stores up blessings and a flowing stream that continually pours out, pointing to Jesus as the ultimate example of self-emptying love. They also dive into the historical reality of Paul and Silas singing hymns in a midnight dungeon, challenging us to step out of our physical and spiritual comfort zones to "sing through the suffering." The Challenge This week, look for an intentional pathway to empty yourself on behalf of someone else. Ask yourself three specific questions: Who did I serve today? What did I give away? and Whose burden did I bear? When the Holy Spirit presents a clear opportunity to step outside of your comfort zone and serve, make the choice to say yes instead of looking inward. Hosts: Neil Gregory and Scott Nickell What We Discuss The balance of pastoral health: establishing thresholds for preaching and demonstrating the necessity of rest Shifting from a "stagnant lake" mentality to becoming a flowing, overflowing stream that pours out to others How trying to constantly fill and satisfy ourselves blocks us from experiencing true biblical joy The historical background of Philippians 2 and the missing context of Epaphroditus falling deathly ill A vivid look at Acts 16: the brutal reality of Paul and Silas being beaten with rods and thrown into prison stocks Why singing through suffering destroys the leverage of the enemy and serves as a powerful witness to others Overcoming pride in worship and how changing our physical posture can unlock something deep within us spiritually Capturing the powerful moment of bowing our heads to acknowledge being small instruments in God's hands About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Episode Summary: Have you ever felt like life knocked you down so hard you weren’t sure you’d ever get back up again? Today’s guest, Greg J. Horn, knows that kind of pain firsthand. After losing three close friends to suicide and experiencing the devastating collapse of his own business, marriage, and home—all within 24 hours—Greg was left at rock bottom. But God met him there. From that place of brokenness, a new ministry was born: Hope is Here. Today on Your Hope-Filled Perspective, Greg shares how to move from fear to hope, how gratitude can transform our outlook, and how we can live each day with a renewed sense of purpose. Quotables from the episode: I lost my business, my home, and my marriage in about a 24-hour period and I’ll say it, I was hopeless. Honestly, my faith in Jesus is what really kept me alive during that season.” Fear, we see it, but so many times it’s not real. Even though I did feel fearful, I could stay hopeful as I read God’s Word and didn’t give in to my feelings of fear. Biblical hope is when you say, ‘God, even though I don’t see You working, and I don’t feel You working, I’m going to trust You because You are my source of hope.’ I can tell you now on the other side of it, 20 years later, that all things do work together.” No matter how hopeless it may look, no matter how hopeless it may feel, God truly will use all of it for His glory. As I leaned into Jesus, He slowly but surely started healing the broken pieces of my heart and my mind. You have to choose to be resilient, but with Jesus’ help you can do that. Instead of asking why so much, say, ‘God, what do You want me to learn from this, and how can I be a blessing to other people through it?’ God, through this process, gave me an acronym when I started Hope Is Here, the word HOPE: H-Hold On --everything can change in 24 hours. I mean, something can change for the better. Yes, it can change for the worse, just like my situation did, but just to simply hold on. know God may show up in a way that'll just blow your mind and give you hope, even though things seem hopeless at the time. O-Open up to at least one person--So many times the enemy lies to it and just says, you know, this is hopeless, you're never going to climb out of this situation. And I'm thankful that I was able to open up the others and tell them when I was hopeless and having suicidal thoughts. And that was just amazing the difference that made. Once again, Jesus modeled that when he asked Peter, James, and John, hey man, I've got this overwhelming situation. P-shift your perspective and do something different/put yourself in a new environment E-Expect to see change Scripture References: Romans 15:13 (NIV) “May the God of hope fill you with all joy and peace as you trust in him, so that you may overflow with hope by the power of the Holy Spirit.” Psalm 27:7 "The Lord is my strength and my shield. My heart trusts in you, Lord, and I am helped." Proverbs 3:5-6 “Trust in the Lord with all your heart and lean not on your own understanding but in all your ways acknowledge God and he will make your path straight.” Psalm 118:24 “"This is the day the Lord has made. I shall be glad and rejoice in it.” Galatians 6:9 “"Do not grow weary and doing good, for at the proper time you will reap a harvest if you do not give up." Proverbs 11:25 “Those who refresh others will be refreshed.” Lamentations 3:21–23 (NIV) “Yet this I call to mind and therefore I have hope: Because of the Lord’s great love we are not consumed, for his compassions never fail. They are new every morning; great is your faithfulness.” Recommended Resources: Recommended Resources: Hope is Here Today Radio Show and Podcast, WJMM 99.1FM 8:15am and 12:45pm daily Sacred Scars: Resting in God’s Promise That Your Past Is Not Wasted by Dr. Michelle Bengtson The Hem of His Garment: Reaching Out To God When Pain Overwhelms by Dr. Michelle Bengtson Today is Going to be a Good Day: 90 Promises from God to Start Your Day Off Right by Dr. Michelle Bengtson Breaking Anxiety’s Grip: How to Reclaim the Peace God Promises by Dr. Michelle Bengtson Breaking Anxiety’s Grip Free Study Guide Free PDF Resource: How to Fight Fearful/Anxious Thoughts and Win Hope Prevails: Insights from a Doctor’s Personal Journey Through Depression by Dr. Michelle Bengtson Hope Prevails Bible Study by Dr. Michelle Bengtson Free Webinar: Help for When You’re Feeling Blue Social Media Links for Host and Guest: Connect with Greg Horn: Website / Instagram / Facebook / YouTube / X Connect with Dr. Bengtson: Order Book Sacred Scars / Order Book The Hem of His Garment / Order Book Today is Going to be a Good Day / Order Book Breaking Anxiety’s Grip / Order Book Hope Prevails / Website / Blog / Facebook / Twitter (@DrMBengtson) / LinkedIn / Instagram / Pinterest / YouTube / Podcast on Apple Guest: Greg Horn is best known as an encourager, coach, motivator, and speaker. He speaks regularly to organizations, civic groups and churches on the topics of fear, gratitude, and hope. He also hosts the radio show and podcast, Hope is Here, that broadcasts daily, Monday through Friday on multiple radio stations in Central Kentucky. His ministry, Hope is Here, began in December 2017 from a holy discontent that was growing within in him after losing three friends to suicide. Hosted By: Dr. Michelle Bengtson Audio Technical Support: Ashton Bengtson Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

When your circumstances spiral out of your control, do you let your emotions spiral with them, or do you choose a different path?  In this episode of Off Script, Carl joins Neil to dive into the first chapter of Philippians. They unpack the context behind Paul's letter, written while chained inside a prison cell, and how his circumstances didn't stop him from overflowing with joy. The conversation explores why we often confuse the endless chase for pleasure (dopamine) with the lasting gift of true joy (serotonin). Carl breaks down the three traps we fall into when the future is uncertain and how we can respond. The Challenge This week, look at the areas in your life where your future feels uncertain or chaotic. Instead of sliding into victimhood, playing it safe, or getting stuck, choose to take "one step". Pick one practical area, whether it's doubling down on gratitude, fighting the spiritual battle, living on mission, or leaning into your crew, and take that single step toward choosing joy today. Hosts: Neil Gregory and Carl Kuhl What We Discuss Kicking off our new sermon series on the book of Philippians and the central theme of joy  The historical context of Paul writing the letter to the Philippians while literally chained inside a prison cell  Chasing dopamine versus chasing serotonin: Distinguishing between temporary pleasure and lasting biblical joy  Asking the filtering question: "If you were to chase a vice this week to numb yourself, what would that vice be?"  How good things become destructive things when we turn them into "ultimate things"  The three distinct traps we fall into when the future is uncertain: getting stuck, playing it safe, and choosing victimhood  Misplaced sympathy and the epidemic of adopting a victim mentality instead of taking personal responsibility  Henry Cloud's concept of being "ridiculously in charge" of your own life, choices, and reactions  The two ultimate things you can always control in any given situation: your actions and your attitude About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What if the very things you do to find comfort are actually keeping you from the freedom Jesus promised?  This week on Off Script, Conor Hall joins Neil to wrap up the book of Galatians and look at what it practically means to live out Gospel freedom. They address the common struggle of entitlement, how feeling "deserving" of rest can quietly breed spiritual laziness and lead us to abandon daily disciplines. The conversation highlights the vital difference between the enemy's condemnation and the Holy Spirit's conviction, emphasizing that we destroy Satan's leverage over our lives the moment we stop hiding our messes and choose to carry each other's burdens in community. The Challenge This week, take aim at entitlement by auditing your "internal script." When you feel too tired or "deserving" of a break to engage in spiritual disciplines, recognize that as a signal to bring your darkness into the light. Hosts: Neil Gregory and Connor Hall What We Discuss Wrapping up the Galatians series and summarizing its fierce defense of Christian freedom against legalism The danger of letting a sense of entitlement turn into spiritual laziness and a neglect of daily disciplines Distinguishing between the enemy's condemnation (which makes you hide) and the Holy Spirit's conviction (which leads to growth) The power of confession and why bringing our secret struggles into the light destroys Satan's leverage How "sideways energy" builds up in our lives when we refuse to deal with our internal messes The practical reality of what it means to bear one another's burdens as a healthy church family How sharing your struggles out loud strengthens others who may have walked through the exact same thing The importance of finding an authentic community of people who will kindly remind you of your true identity A sneak peek at our upcoming summer series through Philippians as we prepare to shift our focus to joy About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Are you living out of the radical freedom of the Gospel, or have you traded it for the false security of a religious checklist?  This week on Off Script, Neil and Scott discuss why a life of rules is a "low bar" and how true maturity only comes through responsibility and walking hand-in-hand with the Holy Spirit. They explore the tension of the Christian life, comparing spiritual growth to the "cultivating and killing" required in a summer garden. From Scott's childhood memories of planting live Christmas trees in frozen ground to the high-stakes dangers of wandering off the path on Mount Everest, the conversation highlights why we cannot produce spiritual fruit on our own. The Challenge This week, identify one "weed" in your life, a specific struggle or habit like anger or addiction, that you want to be done with this summer. Instead of trying to fix it through willpower, bring it into the light by telling a trusted friend and invite the Holy Spirit to help you "kill" it. Hosts: Neil Gregory and Scott Nickell What We Discuss Why Galatians 5:1 is the "CliffsNotes" and summary statement of the entire book. Why you can't "make an apple" and the reality that only the Holy Spirit produces spiritual fruit. The strategy of "Cultivating vs. Killing" in your spiritual life this summer. Why "order" is attractive to those coming from chaos, but isn't always godly. How the law acts as a "low bar" that provides false security and leads to spiritual despondency. The relationship between maturity, responsibility, and true freedom. Why Paul's struggle in Romans 7 gives us hope when we feel like we're losing the battle. The high-stakes metaphor of Mount Everest and why wandering away from the Holy Spirit always has a cost. About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Episode Notes This week, I have the distinct pleasure of spotlighting our state's oldest outdoor theater!! Joining us from Danville's historic Pioneer Playhouse is co-owner Heather Henson. The playhouse has remained in the Henson family since its inception, over seven-and-a-half decades ago, and Heather (along with her brother Robby) are proudly keeping this Central Kentucky tradition alive! Grab a seat as Heather describes how the playhouse was creatively constructed using a variety of reclaimed materials. She also speaks of celebrities who graced the theater stage before gaining national fame, sheds light on the marvelous meal that patrons can often enjoy before shows, and explains the application process for aspiring actors and actresses. Lastly, she fills us in on the exciting lineup of plays awaiting us in the upcoming summer season...so mark your calendar accordingly! Application materials, and other Pioneer Playhouse inquiries, may be emailed to pioneerplayhouse@att.net. Also, don't forget to visit the informative Pioneer Playhouse web page linked here: https://pioneerplayhouse.com/. Find out more at https://blabbin-in-the-bluegrassblabbi.pinecast.co

The Chandler family of Central Kentucky never ceases to delight and intrigue. Erin Chandler announces the book launch for The Collected Works of Toss Chandler. Artist Lucie Cross "Toss" Chandler (February 7, 1934 - January 10, 2023) was a beloved Kentucky painter. This collection is a celebration of her works, including acrylics, oils, watercolors, charcoals, pastels and more. Her daughter-in-law, editor, Jennifer Chandler has compiled as many of her works as she couldSee omnystudio.com/listener for privacy information.

Why is it that even when we've been set free, we find ourselves drifting back toward the chains of rules and performance?  This week on Off Script, Neil, Matt, and Conor discuss the raw power of identity and why living in the light of the Gospel means moving from condemnation to conviction. The conversation dives deep into the concept of identity, distinguishing between the external "mask" of religious performance and the internal reality of being a child of God. Matt shares personal stories of "home improvement projects" gone wrong as a metaphor for our own lives, reminding us that while the Holy Spirit convicts us to move toward something better, He never condemns who we are in Christ. The Challenge This week, pay attention to your "internal script" when you mess up. Distinguish between condemnation, which tells you that you are bad and drives you to hide, and conviction, which identifies the behavior as wrong but invites you into the light. Choose one area of "darkness" you've been hiding and share it with a trusted friend to walk toward freedom instead of shame. Hosts: Neil Gregory, Matt Williams, and Connor Hall What We Discuss The three things Matt originally left off his manuscript, from the beginning to the end of the sermon Understanding the "identity" crisis: Are you defined by your activity or your relationship with God? The difference between the Holy Spirit's conviction and the enemy's condemnation Why we are so tempted to stay in the "darkness" of our mistakes rather than bringing them to the light A look into Matt's "home improvement" struggles and how they mirror our spiritual growth The danger of "sideways energy" when we refuse to deal with our internal brokenness How to separate your worth from your performance at work or in the home The importance of having a community that points you back to your true identity in Jesus Why the "freedom" promised in Galatians is both a gift and a responsibility to walk in daily About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

In this episode of Off Script, Neil and Scott dive into the third week of the Galatians "Freedom" series. They explore why Paul used such harsh language - calling the Galatians "fools" - to snap them out of their slide back into legalism. Scott breaks down the historical background of the region, the relationship between the Promise and the Law, and why the church thrives most when it lacks "cultural capital." From heated disagreements on the baseball field to the painful leap of faith required to move a family across the country, this conversation centers on what it really looks like to be "made new" rather than just "tamed." The Challenge Take some time this week to reflect on two specific questions: What in your life is only explainable by God's grace, and what in your life is only explainable by your faith in Him? If you find it hard to answer the second one, ask yourself what a step of authentic, risky obedience might look like in your marriage, your parenting, or your career.   Hosts: Neil Gregory and Scott Nickell   What We Discuss Why Paul starts Galatians 3 by calling the audience "idiots" or "fools." How we often "sanitize" the Bible and view characters as "flannelgraph people." The technical argument of why the Promise to Abraham preceded the Law of Moses. The difference between justification (being made righteous) and sanctification (the work of the Spirit). Why "being nice" is not a fruit of the Spirit, but being kind is. The danger of turning your children's sports and success into "little gods." Navigating the tension of being a "Christian in name only" versus having true integrity. About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously.   To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Thanks to Shawn Crowe from Central Kentucky Weather for coming on to talk about the dry spring, near term, and log term weather outlooks and the expected El Nino's effect on our weather this summer. Follow his facebook page here : https://www.facebook.com/centralkentuckyweather Thanks to our episode sponsor Cyrus Bivens!Thanks also to our studio sponsor Biotech Innovations.  Learn more about them at www.biotechinnovationsag.com. 

Are you living in the true freedom Jesus provides, or are you slipping back into the exhausting cycle of trying to earn your own righteousness through performance?  This week on Off Script, Neil and Scott dive into the second week of the Galatians series to discuss why even the most seasoned believers can fall into the trap of legalism. They explore the intense showdown between the two pillars of the Christian faith, Peter and Paul. They discuss why Paul was willing to be so confrontational, matching his "angriest" letter with a style that pulls no punches, to protect the purity of the Gospel from false teachers who wanted to add the law to the work of Christ.  The Challenge This week, audit your spiritual wiring. If you lean toward strength, ask God where you might be making non-essential rules a barrier to the Gospel. If you lean toward flexibility, ask for the courage to stand firm on truth even when it's uncomfortable. Identify one "former thing" you are tempted to run back to and ask your community to help you walk in freedom instead. Hosts: Neil Gregory and Scott Nickell What We Discuss Why reading the Book of Acts provides the essential historical "sequel" for understanding Paul's epistles. The strategic reason Paul circumcised Timothy but refused to circumcise Titus. What "spying out our freedom" literally meant in the original Greek context. The "Dental Metaphor": Why a root canal (endodontics) is the only cure for a root problem, not braces (orthodontics). A powerful story about "Sunshine" and the devastating impact of self-righteousness in the church. The critical distinction between welcoming a person and affirming false teaching. Why Peter, despite his great proclamations, acted like a "coward" and a "hypocrite" in Antioch. The importance of authentic community in calling us back to our true Gospel identity. About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Is your definition of "truth" based on the unchanging Word of God, or is it a moving target defined by cultural trends and political convenience?  This week on Off Script, Neil and Scott dive into the "explosive" book of Galatians and why the Apostle Paul was so viciously protective over the purity of the Gospel. They tackle recent public statements from political figures that mirror the "progressive Christianity" Paul originally wrote to combat. The conversation moves from the dangers of virtue signaling to the vital importance of biblical authority, specifically regarding how we view sin, conversion, and the radical transformation that only Jesus can provide.  The Challenge The challenge for this week is to start breaking down the barriers that keep you from fully believing God's freedom is for you. As we move into chapters 2 through 6 of Galatians, take time to identify the "former things" or old patterns you are most tempted to run back to when life gets difficult. Commit to reading ahead in the text and honestly auditing your heart: Are you living out of the radical transformation Jesus provides, or are you slipping back into the exhausting cycle of trying to earn your own righteousness? Hosts: Neil Gregory & Scott Nickell  What We Discuss Why Galatians is one of Scott's favorite letters because of its explosive and confrontational nature The "crazy combination of head and heart" that allowed Paul to be a brilliant scholar and a physical "fistfighter" for the faith Deconstructing the prideful idea that you have sinned too much for God's grace to reach you A breakdown of the Supreme Court decision regarding Christian counseling and free speech The danger of "virtue signaling" and using coded language to redefine biblical concepts like conversion Questions every Christ follower should ask when a public leader makes religious claims Why Paul tells the Galatians (and us) to reject even an "angel from heaven" if they preach a different gospel The historical claims of Islam and Mormonism regarding angelic visitations and how they relate to Paul's warnings in Galatians About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

How many people in your life are one invitation away from a completely different future?  This week on Off Script, Neil and Scott celebrate the miracles of Easter and discuss why the "flood" of new life is only the beginning of the journey toward true freedom. They share behind-the-scenes stories of the logistics and emotions involved in Easter services. The conversation then shifts to the future as they preview an upcoming teaching series on the book of Galatians, exploring the messy, vital distinction between religious performance and the authentic freedom found only in Christ. The Challenge As we move out of the Easter season, don't let the momentum stop. This week, pick up your Bible and start reading through the first few chapters of Galatians to prepare your heart for our next series. Ask yourself: Am I living like a "religious" person trying to earn points, or am I living as a child of God who is already loved? Hosts: Neil Gregory and Scott Nickell What We Discuss Reflecting on the "Easter edition" of the podcast and the energy of five weekend services  The "flood" of baptisms across campuses and the excitement of seeing lights come back on in the baptistry for more people  The behind-the-scenes effort from staff and volunteers to make Easter weekend happen  The significance of "moving the line" and making last-minute decisions for Christ  Previewing the upcoming series on the book of Galatians Defining the "Good News" versus the "Religious News" that often traps believers  The struggle of even "Bible Belt" Christians to actually experience the freedom Jesus promised  A challenge to read ahead in the first six chapters of Galatians to prepare for the new series  About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

When life throws you a total curveball, do your prayers stay polite or do you take off the mask and get real with God?  This week on Off Script, Neil sits down with guest teacher Carl Kuhl to discuss the raw honesty required for a true relationship with Jesus. They dive into the story of Lazarus to explore how we can trust a God who is often unexplainable and seemingly out of our control. From the emotions of a morning check-in to the risks required by true faith, this conversation is a call to stop performing for God and start abiding in Him. The Challenge This week, move beyond your typical prayer list and try a "morning check-in." Take a few deep breaths and be honest with God about where you are emotionally and whether you're sad, angry, scared, or excited. Once you've met Jesus in the morning, look for one "risk" you can take today that proves your belief is more than just a statement, but an action. Hosts: Neil Gregory and Carl Kuhl  What We Discuss Why the "Bible Belt" culture in Kentucky makes it easy to say you have a church without actually following Jesus Funny college stories about Scott and how Jesus "sanctifies people over time" Why pain is the only universal language that doesn't need to be contextualized for a sermon The comfort of an "unexplainable" God: Why God's mind is so much bigger than our logic How realizing we were never actually in control is the first step toward true freedom  Why "faith is spelled R-I-S-K" and what it looks like to take those steps in daily life  Overcoming the embarrassment of Jesus to invite others without "being weird" about it Distinguishing between inviting people out of a checklist of performance versus a fresh encounter with God  About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Is your confidence in your eternity based on what you do, or who you belong to?  This week on Off Script, Neil and Scott dive into the distinction between religious activity and a genuine relationship with Jesus, exploring how our true identity must always precede our activity. They address the "progressive lie" and the "prosperity lie", including its shadow version, the "poverty gospel", and explain why your bank account is never a measure of your righteousness. The heart of the discussion centers on the doctrine of adoption, the power of fostering and adoption stories, and why so many people struggle with a lack of confidence in their salvation.  The Challenge This week, audit your confidence. If you were asked why you're sure about your eternity, notice if your answer starts with "I" or with "Jesus". Spend time this week "abiding" in the Word, letting your identity as an adopted child of God be the foundation that all your actions flow from. Hosts: Neil Gregory and Scott Nickell What We Discuss The powerful impact of the recent testimony video on the fostering and adopting community  How the doctrine of adoption mirrors God's heart for us as His children  Deconstructing the "poverty gospel" and why intentionally pursuing poverty doesn't make you more spiritual  Why wealth can often mask our desperation for Jesus and lead to a false sense of security  The "Monopoly board" analogy: why all our earthly effort eventually goes back in the box  Warning signs of "progressive" theology in seminaries and universities that have left the Bible behind  Why many people have a "moderate level of confidence" in their salvation due to works-based theology  Why identity must always precede activity: you can't nail fruit to a fencepost  About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What does it actually mean to "abide" in the truth, and how can familiarizing ourselves with God's Word help us spot the counterfeits in our culture?  In this episode of Off Script, Scott and Neil reflect on the incredible success of the recent Meal Pack, where Southland packed one million meals across five campuses. They dive into the importance of men stepping up for mission trips. The heart of the conversation focuses on "Week 3" of the Reset Challenge, exploring how replacing digital noise with Bible teaching and daily reading in the Book of John is changing lives. Scott also unpacks what it means to "make yourself at home" in the Bible so that we can develop the discernment needed to navigate a world where truth is often seen as relative.  The Challenge Don't let go of the discipline you've put in place. As we move into the final week of the Reset Challenge, continue your daily reading in the Book of John and look for ways to move from being a bystander to pouring your life out as an offering for something bigger than yourself.  Hosts: Neil Gregory and Scott Nickell What We Discuss The "breaking news" that Scott is officially attempting to take over the DJ playlist for next year's Meal Pack Why it's vital for men to prioritize mission trips despite busy schedules and work responsibilities Feedback from the Reset Challenge and the impact of listening to solid Bible preachers The "non-negotiable" habit of daily scripture reading to keep from falling back into old patterns  Why 83% of teenagers believe truth is relative and where that cultural shift is coming from  The definition of "abide" as making yourself at home in the Word of God  How Jesus illustrated his "I Am" statements through miraculous actions in the Gospel of John  Learning to recognize the "whiff of a lie" by becoming intimately acquainted with the real truth  Understanding what we are saved from: the penalty, the practice, and the power of sin  The significance of physical movement in worship and why Scott called people to the front of the stage this week About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Ever wondered if your struggle to believe is actually a symptom of how much God loves you? This week, we explore why the most famous verse in the Bible is often the most misunderstood. In this episode of Off Script, Neil and Scott are joined by special guest Rusty George for a deep dive into the "Mount Everest" of Scripture: John 3:16. Rusty shares his journey from teaching at Southland to pastoring California, offering a unique perspective on the tension between belief and behavior. They discuss the cultural weight of being a "believer," why we often try to earn what has already been given, and how the love of God is the fuel for change, not the reward for it. The Challenge Don't lose momentum! Keep going with the Reset Challenge! Commit to changing your algorithm. Replace your usual political or cultural podcasts with faithful Bible teaching from trusted sources, spend time reading the Book of John, and set a scripture wallpaper on your phone to remind you whose voice matters most.  Hosts: Neil, Scott, and special guest Rusty George. What We Discuss Rusty's "homecoming" to Southland The shift from pastoring in Kentucky to the unique spiritual landscape of California. Why John 3:16 is considered the "Mount Everest" of the Bible and why it's so hard to preach. The nuance of the word "believe", moving from mental agreement to "believing into" Jesus. How our cultural obsession with "being a good person" can actually get in the way of the Gospel. Addressing the fear that "Grace" will lead to a license to sin (and why the opposite is true). The distinction between God's love as a "reward" versus God's love as the "source." How the light of Jesus exposes our mess not to shame us, but to heal us. Resources Mentioned The Cross of Christ by John Stott The Great Divorce by C.S. Lewis About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Is it possible that our greatest barrier to understanding Jesus is actually our own "religious" expectations? This week, we explore why Jesus is the only one who can truly introduce us to the Father. In this episode of Off Script, Neil and Scott dive into the profound prologue of the Gospel of John. Scott explains the "why" behind choosing this heavy theological text and discusses the concept of Jesus as the Logos. They tackle the tension between law and grace, the difference between "getting" the Bible and actually knowing God, and why seeing Jesus is the only way we can truly understand the character of a Father we've never seen. The Reset Challenge Commit to changing your algorithm. Replace your usual political or cultural podcasts with faithful Bible teaching from trusted sources, spend time reading the Book of John, and set a scripture wallpaper on your phone to remind you whose voice matters most.  Hosts: Neil Gregory and Scott Nickell What We Discuss The intentionality behind preaching the prologue of John and its "Mount Everest" theological status. Understanding the Logos Why "Grace upon Grace" isn't just a catchy phrase, but a description of God's literal, overflowing kindness. The tension between the Law given through Moses and the Grace and Truth that came through Jesus. The danger of knowing the "Book" (The Bible) without actually knowing the "Word" (Jesus). How Jesus "tabernacled" or pitched His tent among us to move into our neighborhood. The power of the "One More" mission as Southland celebrates baptisms across multiple campuses. About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Local journalism is getting a powerful new boost in Central Kentucky. A new pilot from Press Forward Blue Grass and Report for America is training trusted community members to serve as journalists at CivicLex, The Woodford Sun, and MediaLex, strengthening coverage across Central Kentucky. On this episode, Mark Royse (MediaLex), Kim Kleman (Report for America), and Melissa Newman (Press Forward Blue Grass) break down how this three-year partnership works, why it matters, and what it could mean for the future of journalism in our region. Listen NOW on Spotify and Apple Podcasts or join us today on MediaLex Radio at 2PM!

Whose voice are you actually listening to, and is it possible your phone's algorithm has become your primary spiritual guide?  This week on Off Script, Neil and Scott dive into why the noise of the world is making us angry and how to intentionally tune back into the frequency of the Good Shepherd. The heart of the conversation, however, is a challenge to "reshape your algorithm." Scott discusses the limits of human capacity for information and the danger of "doomscrolling," offering a practical four-week plan to replace outrage-driven media with faithful Bible preaching and scripture.  The Challenge For the next four weeks, commit to changing your algorithm. Replace your usual political or cultural podcasts with faithful Bible teaching from trusted sources, spend time reading the Book of John, and set a scripture wallpaper on your phone to remind you whose voice matters most.  Hosts: Neil Gregory and Scott Nickell What We Discuss The story behind the cease and desist from a nun that forced a name change  Southland's theological stance on women teaching from the stage  The distinction between "ongoing authoritative teaching" and individual snapshots of teaching  Why the "Good Shepherd" metaphor was so counter-cultural in Jesus's day  The biological and emotional limits of human capacity for knowing people and news  How social media creates a "vast illusion" of connection  The "Reshape Your Algorithm" challenge for the next four weeks  Identifying "toxic" cultural commentators and the trap of outrage-driven media  The importance of reading the Bible in context rather than "point-and-flip" methods  Why it is vital to stay in community while processing God's Word  About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Building a Financial Advisory Firm That Puts Clients First: An Inside Look at the Process Meta Description: Discover why Tom Dupree founded Dupree Financial Group in Lexington, Kentucky—focusing on personalized investment management, team accountability, and retirement planning for local clients. For pre-retirees and retirees in Kentucky searching for personalized investment management, understanding the “why” behind your financial advisor matters just as much as the “how.” In this special episode of The Financial Hour of The Tom Dupree Show, Tom Dupree Jr. and Mike Johnson share the founding story of Dupree Financial Group—a journey that began with a simple walk in the woods near Natural Bridge in Kentucky in February 2002 and evolved into a comprehensive wealth management approach designed specifically for Lexington-area retirement investors. The Origin Story: From Brokerage Dissatisfaction to Independent Registered Investment Advisor Tom Dupree recalls the pivotal moment that sparked the creation of Dupree Financial Group. Walking through the woods with his young son James on his shoulders, he realized the traditional brokerage firm model wasn’t aligned with the future he envisioned for his family and clients. “I got this joy, this excitement in my heart thinking about doing this,” Tom explains. “I was in no position to do it at all. I didn’t have any money. Strangely, my banker approved me for a loan to actually go get the office space and get it fitted up. And that fit-up is still the same fit-up we’re using. We have not changed it.” The firm officially opened in 2003, but Tom identifies 2010 as the true beginning of Dupree Financial Group as it exists today. That’s when the firm disassociated from an outside brokerage and became an independent Registered Investment Advisor (RIA). “In 2010, we disassociated ourselves with an outside brokerage firm and became what’s called an RIA, a Registered Investment Advisor, which meant that now we’re not paying 25% of our revenues to an outside firm,” Tom shares. “That enabled us to do a lot more internally, and it really was the beginning of the firm that we know today.” Key Takeaways: Why Dupree Financial Group Started Client-focused mission: Created to serve average retirement investors who wouldn’t necessarily get attention from major brokerage firms Cost structure advantage: Lower overhead means smaller accounts receive meaningful attention and personalized service Local accountability: Designed specifically to respond to clients in Lexington, Kentucky, and the surrounding region Team approach: Built from the ground up to provide collaborative service rather than single-broker relationships Independence: Becoming an RIA in 2010 eliminated the pressure to use proprietary products and allowed true fiduciary responsibility Personalized Investment Management vs. Mass-Market Approaches One of the core distinctions Tom emphasizes is the difference between Dupree Financial Group’s model and the mass-market approach taken by larger national firms. Rather than assigning clients to investment counselors within a large hierarchy, Dupree Financial Group provides direct access to portfolio managers who actually research and select the investments. “When you’re talking to somebody, to one of us, the team that you’re talking to is also the team that is designing your investment portfolio, actually helping pick stocks and bonds to own in the portfolio,” Tom explains. “Now why is that a big deal? Well, when I was with Brand X, they had a guy in New York who was brilliant, and he really was brilliant, and he was a stock picker. You didn’t ever talk to him, but he would publish a list of things that you ought to buy.” That approach failed catastrophically during the 2001-2002 market downturn, when many clients saw portfolios decline 50% with little communication or accountability from their advisors. “It wasn’t so much the fact that everything went down, although that was a big part of it, but it was the lack of communication,” Tom notes. “It was not being willing to be accountable for what really had happened, and they just clammed up.” The Dupree Difference: Direct Access and Transparency Mike Johnson highlights several critical advantages of the Dupree Financial Group model: Team collaboration: Multiple professionals work together on research and portfolio management, producing better outcomes than single-advisor approaches Direct communication: Clients speak directly with the team members who make investment decisions Own investment selection: The firm conducts its own research and calls companies directly rather than relying on buy lists from headquarters Local presence: All revenues stay local and are reinvested in client services rather than flowing to Wall Street firms “The service team is way more aligned with the investment team,” Mike explains. “It’s not two separate functions sitting in the same room.” Investment Philosophy: Focus on Income and Risk Mitigation for Kentucky Retirement Planning Unlike money managers competing to beat specific indices, Dupree Financial Group takes a different approach focused specifically on retirement investors’ needs. This investment philosophy prioritizes income generation and risk mitigation over performance rankings. “We’re not trying to beat any index. We’re just investing in things that we see are good that we think meet our parameters for what we’re looking for,” Tom states. “The why is it’s a focus on risk mitigation, and it’s a focus on income. Those things actually make it pretty easy for us once we tie down the parameters of what we’re looking for.” Mike Johnson references a quote from investment manager Howard Marks that encapsulates a key industry problem: “If you want to be in the top 5% of money managers, you have to be willing to be in the bottom 5% too.” That statement, Mike explains, highlights the perverse incentives created when advisors chase index performance rather than focusing on actual client needs. Real Portfolio Examples: How the Strategy Works The team shares several examples of their investment approach in action: The 6.5% Dividend Stock: “We bought it in June. This company, our listeners would be familiar with. At the time, it had a six-and-a-half percent dividend yield, and the valuation was attractive when you look at the hard assets that they had. We felt some things could go right for the company over the next couple of years. And in the meantime, the stock had gone down significantly, so there was a lot of bad news priced in already. Since then, the stock has gone up to what we thought it would go up to over the next two to four years. It just did it in four months.” The Grocery Company: “We invested in a company the other day—it was a grocery company well known within Central Kentucky. It’s gotten cheap. We just knew it as being a household name that pays a small dividend.” The Clothing Brand: “It’s kind of a clothing company, well-known. It puts out some major, well-known brands. The thing’s gone from a hundred dollars to 30-something, so we decided to take a look there. That one pays a pretty good dividend.” These examples demonstrate the value-focused, income-oriented approach that differentiates Dupree Financial Group from index-chasing strategies. The Team Approach: Building Long-Term Relationships Over Transactions A fundamental principle at Dupree Financial Group is the shift from transactional relationships to ongoing partnerships. Tom explains how his years at major brokerage firms taught him what he didn’t want to replicate. “One thing that I learned in the big firms was that it’s always about the transaction. It’s about the trade,” Tom recalls. “You were constantly having to pursue that trade, do this trade with this client, do that trade with that client. I didn’t want it to be about the trade anymore. I wanted it to be about the relationship.” This philosophy manifests in several concrete ways: Regular review process: Unlike transactional brokerage relationships, Dupree Financial Group built systematic client reviews into the firm’s DNA from the beginning No pressure to sell: Because clients have already committed to the process, meetings focus on education and information rather than sales Team accountability: Multiple team members take responsibility for each client rather than the single-broker model Transparent communication: When investments don’t work out, the team explains why openly rather than avoiding difficult conversations “When our clients come in for a review or they call with a question, they know we’re not trying to sell them anything,” Mike emphasizes. “It’s informational. It’s actually something they can use.” Direct Company Research: An Uncommon Practice One aspect of Dupree Financial Group’s approach that sets them apart is their practice of directly contacting companies they invest in—something Tom notes is rare among medium and small-sized investment advisors. “We do calls with these companies. In some cases, we’ve gone to visit them—the actual company itself that we’re investing in,” Tom explains. “That would’ve been unheard of in our previous setup. A big part of what we do is talk to the clients—I say clients, the businesses that we invest in. We talk to them, we want to find out what they’re doing, learn a little bit about management and do the best we can to really do our due diligence.” This hands-on research approach provides insights that buy lists and analyst reports simply cannot match. Four Generations of Financial Service: The Dupree Family Legacy The commitment to serving clients runs deep in the Dupree family history. Tom shares how his grandfather entered the investment business around 1920 in Louisville, Kentucky, selling preferred stock for Louisville Gas and Electric directly to the public before moving into municipal bonds. “My grandfather was the first one of our line that was in the investment business,” Tom explains. “Then my dad got into the business after being in the navy, I think it was around 1955 in Harlan, Kentucky. Then me and now my two sons are in the business.” Tom’s father moved the family to Lexington in 1963 and founded Dupree and Company, which managed municipal bond issues and eventually started the Kentucky Tax Free Mutual Fund in 1979. “Their idea was always to make a thing for clients that the clients could use, that was a retail thing,” Tom notes. “And so I carried that concern for the clients into what I did when we started Dupree Financial Group.” This multi-generational focus on creating client-centered investment solutions forms the foundation of the firm’s culture today. Tom’s sons, Clark and James, are involved with Dupree Financial Group, making the fourth generation of Duprees in the investment business. The Evolution: Early Struggles to Established Success Tom is refreshingly transparent about the challenges of the firm’s early years. After opening in 2003, success didn’t come easily or quickly. “It certainly was frightening during those early days of opening the firm and wondering if anybody would ever show up,” Tom recalls. “We did all these seminars, lots of them, over a hundred. People would show up, and now and then we’d get a client out of it. It took a lot of work.” The firm began regular radio broadcasts around 2008, which helped build awareness and credibility in the Lexington community. But the real transformation came in 2010 with the transition to RIA status. “When we became an RIA, it opened up possibilities for investment options that we didn’t have before,” Mike reflects. “It got the pressure of the heavy hand off to use proprietary products. That hand was always on you. And so that was lifted. It was like the skies opened up that you had this flexibility now.” Mike adds a crucial point about this transition: “At the same time, that was a sobering feeling. Now it was on you. You can’t blame it on anybody. But from our client’s standpoint, that was something that was a positive because the accountability increased for the firm.” Client Retention: The Ultimate Validation Perhaps the strongest validation of Dupree Financial Group’s approach is client retention. Tom notes that the firm keeps clients longer and longer—a testament to the relationship-building model. “We seem to be keeping clients longer and longer, so evidently we did something right,” Tom observes. “Once we got the buggy built, we really haven’t fooled with it much. We’ve tried to do some tweaks here and there, but the basic chassis has served us pretty well.” Why the “Why” Matters for Kentucky Retirement Investors For pre-retirees and retirees evaluating financial advisors, understanding the “why” behind a firm’s approach provides crucial insight into what kind of service you’ll receive. Dupree Financial Group’s founding principles remain consistent today: Serve retirement investors who might not get attention from large brokerage firms Maintain local presence and accountability in Lexington, Kentucky Provide team-based service rather than single-advisor relationships Focus on income and risk mitigation rather than index performance Conduct independent research and select individual investments Build long-term relationships rather than pursuing transactions Communicate transparently about both successes and setbacks As Tom reflects: “It really wasn’t about the investment performance. It’s about the touch, it’s about the accountability, those sorts of things. And that’s the kind of thing we’ve set up. That was what I envisioned when I started this thing—that we would give the clients more of what they should have been getting at the Wall Street firms.” Ready to Experience the Dupree Financial Group Difference? If you’re approaching retirement or already in retirement and want a local financial advisor who prioritizes transparency, accountability, and personalized service, Dupree Financial Group invites you to experience the difference that a client-first approach makes. Schedule your complimentary portfolio review today: Call: (859) 233-0400 Visit: www.dupreefinancial.com Get Personalized Analysis: Request your portfolio consultation Don’t settle for mass-market investment approaches or impersonal service from distant Wall Street firms. Work with a team of Kentucky financial advisors who do their own research, communicate directly with you, and keep your retirement goals at the center of every decision. Explore more insights on Kentucky retirement planning strategies and listen to additional episodes in our Market Commentary archive. Frequently Asked Questions About Dupree Financial Group What makes Dupree Financial Group different from large brokerage firms? Dupree Financial Group operates as an independent Registered Investment Advisor (RIA), meaning the firm doesn’t pay commissions to Wall Street parent companies and doesn’t face pressure to use proprietary products. The team that meets with clients is the same team that researches and selects investments, providing direct accountability and transparency. All revenues stay local and reinvest in client services rather than flowing to distant corporate headquarters. Why did Tom Dupree start his own financial advisory firm? Tom founded Dupree Financial Group in 2003 after 19 years with a major brokerage firm, where he witnessed the limitations of the transactional, sales-focused model. He envisioned creating a firm that would serve average retirement investors with personalized attention, team-based accountability, and a focus on long-term relationships rather than individual trades. The firm became truly independent in 2010 when it transitioned to RIA status. What is the investment philosophy at Dupree Financial Group? Unlike money managers competing to beat specific indices, Dupree Financial Group focuses on income generation and risk mitigation for retirement investors. The team conducts its own research, including direct calls to companies they invest in, and selects individual stocks and bonds based on dividend yield, valuation, and margin of safety rather than trying to match or beat market benchmarks. How does the team approach at Dupree Financial Group benefit clients? The team model means clients receive the collective expertise of multiple professionals rather than relying on a single advisor’s perspective. Multiple team members share responsibility for each client account, improving service levels and ensuring continuity. This collaborative approach produces better research outcomes and provides clients with consistent access to knowledgeable professionals. What types of clients does Dupree Financial Group serve? Dupree Financial Group specializes in serving pre-retirees and retirees, particularly those who might not receive personalized attention from large brokerage firms. The firm’s cost structure allows them to provide meaningful, customized service to clients with retirement accounts of various sizes, with a focus on the Lexington, Kentucky area and surrounding regions. How often does Dupree Financial Group communicate with clients? Regular client reviews are built into the firm’s DNA from the beginning. Unlike transactional brokerage relationships where communication happens only when making trades, Dupree Financial Group maintains ongoing dialogue with clients through systematic review processes. These meetings focus on education and information rather than sales, since clients have already committed to the firm’s investment process. Does Dupree Financial Group charge fees or commissions? As a fee-based Registered Investment Advisor, Dupree Financial Group operates under a fiduciary standard, meaning it’s legally required to act in clients’ best interests. This fee-based structure eliminates conflicts of interest inherent in commission-based brokerage relationships and aligns the firm’s success with client outcomes. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your specific situation. The post Why Independent Financial Advisors Choose Income Over Index Performance for Retirement Portfolios appeared first on Dupree Financial.

Is it possible to be so close to the Bible that you actually miss the heart of Jesus?  In this episode of Off Script, Neil sits down with Lydia Florence and Connor Hall to discuss a sermon on the healing of the blind man. Connor shares his "method" approach to sermon prep, practicing in total darkness, and dives into the research he did on different types of blindness. The team examines "Cracker Barrel Christianity," the danger of spiritual pride among those who study Scripture deeply, and why we often try to make Jesus more like us instead of becoming more like Him.  The Challenge Identify one "southern saying" or cultural idea about God you've relied on more than actual Scripture.  Hosts: Neil Gregory, Connor Hall, and Lydia Florence.  What We Discuss Connor's "method" sermon prep: practicing in the dark to better understand the blind man's perspective.  The decision to preach without notes, images, or props to keep the focus entirely on the Word.  Why a full page of "marshmallow fluff" was cut from the final sermon.  Fascinating research on blindness, including how those born blind dream differently than those who lost their sight.  "Cracker Barrel Christianity": Why southern sayings like "God gives his toughest battles to his strongest soldiers" aren't actually in the Bible.  The "Bless This Mess" mentality, why we want Jesus to bless our chaos rather than transform it.  The danger of spiritual elitism and "holy huddles" where we study the Bible but never reach the lost.  Why teachers will be judged more strictly and the weight of living out what you preach. Addressing the tendency to try to make Jesus "cool" or popular so that we can feel accepted by culture.  The truth about the Christian life: it will rarely be easy, but it will always be worth it.  About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What happens when the things you're drinking from to find satisfaction only leave you more dehydrated? This week, we explore the difference between managing your thirst and finding the fountain that never runs dry. In this episode of The Cutting Room Floor, Neil sits down with Lydia Florence and Connor Hall to dive deeper into the narrative of the Woman at the Well. Lydia explains why this story is such a powerful revelation of Jesus' heart. The team discusses the "Lord, Liar, or Lunatic" dilemma, the practicalities of trading "salt water" habits for living water, and why your personal story, regardless of how "boring" you think it is, is a vital testimony of God's faithfulness. The ChallengeAudit your "camera roll, calendar, and bank account" this week. Identify one "well" you've been turning to for comfort or security that isn't Jesus, and consciously choose to take that need to Him in prayer first. Hosts: Neil Gregory, Lydia Florence, and Connor Hall. What We Discuss C.S. Lewis' famous "Liar, Lunatic, or Lord" quote and why Jesus doesn't leave room for neutrality. The primary ways we "drink" living water through the Bible, prayer, and community. How to find your true priorities by looking at your time, memories, and money. The danger of looking for "quick fixes" in faith versus building a long-term relationship. A practical illustration of how Jesus changes our "palate" for sin. The exegetical distinction between feeling thirst and being thirsty in a state of spiritual dryness. Why the Woman at the Well serves as the first evangelist despite her social status. Overcoming "main character disease" to see your testimony as a story about God's faithfulness. About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

What does it look like when Jesus gets angry and why does it matter for us? Is there a kind of anger that actually reflects the heart of God? This week on The Cutting Room Floor, Neil and Scott unpack the story of Jesus clearing the temple and explore what didn't make it into Sunday's sermon. The conversation moves from righteous anger to spiritual formation, from protecting the vulnerable to resisting a soft, convenience shaped faith. Along the way, they wrestle with what it means to be a church that stays centered on Jesus, no matter the cost. Challenge: Ask yourself the question Jesus presses at the end of the story: Which side of the table do you want to be on? Then take one concrete step this week toward formation over comfort, obedience over convenience, and Jesus over everything else.  Hosts: Neil Gregory and Scott Nickell What We Discuss: Why Jesus' anger in the temple was intentional, not impulsive The difference between righteous anger and sinful anger What happens when we stuff anger instead of submitting it to God Being "for" people instead of merely "against" problems How neglecting righteous anger leaves the vulnerable unprotected Why following Jesus requires formation, not convenience The danger of a soft faith shaped by comfort and culture Mentoring, adoption, and showing up when it's not glamorous Keeping the church centered on a Person, not a cause or platform ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

In this episode of the Real Estate Pros Podcast, host Michelle Kesil sits down with Christine Palm, a real estate wholesaler and licensed realtor operating in Central Kentucky and Little Rock, Arkansas. Christine shares her journey from discovering wholesaling through a Rich Dad Poor Dad conference to building a full-time business focused on helping distressed homeowners. She explains how wholesaling works, the types of properties she targets, and how adding a realtor license has allowed her to better serve sellers while maximizing opportunities. Christine also dives into marketing strategies, challenges in today's competitive wholesaling landscape, and why taking action is the most important step for anyone looking to get started in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What if your deepest longings aren't bad, they're just aimed too low?  This week on The Cutting Room Floor, Neil and Scott dig into Jesus' first miracle at the wedding in Cana and the details that didn't make it into Sunday's message. They talk about servants hauling heavy jars, why obedience often feels inconvenient, and how our everyday desires point to something far bigger than we expect. From baby pools at the beach to the smell of bread outside a packed restaurant, this conversation keeps circling one question: Are we settling for the sample when Jesus is offering the table? Challenge: Do what Jesus says. Trust Him with the results. Don't settle for the smell of the feast when you've been invited to sit down. Hosts: Neil Gregory & Scott Nickell What We Discuss: Why the servants matter more in the Cana story than we usually notice Obedience that feels small, but costs something Dirty water jars and why Jesus loves repurposing unlikely things Desire: not too strong, but too weak C.S. Lewis, baby pools, and missing the ocean right in front of us The danger of legalism and the ditch on the other side of freedom Why churches can feel fake and how pretending kills community Bars, belonging, and why everyone wants a place where they're known "Obey Jesus and leave the consequences to Him" The invitation to the feast and what keeps people from accepting it ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What does the next season of ministry at Journey Church look like—and where is God leading us? RoadMap is a series designed to bring clarity to the direction God is calling us in this new season. We've refined our mission and focus, and we believe God is opening unique doors for ministry right here in Central Kentucky. In this series, we'll unpack the future of Journey Church—how we plan to reach our community, strengthen discipleship, and create a clear, simple pathway that helps every person take their next step toward Jesus. Together, we'll explore where we're going and how each of us can be part of the Journey ahead.

What does it really mean to call Jesus "the Lamb of God"? This week on The Cutting Room Floor, Neil sits down with Scott to unpack what didn't make it into Sunday's message. From a very real and very unpredictable lamb on stage to the deep theology behind penal substitutionary atonement, they explore why starting the year with Jesus changes everything. The conversation moves from Genesis to the Gospel of John, from Passover streets stained with blood to our everyday temptation to earn what God freely gives. Todays conversation is rooted in the hope that we are sons and daughters and not spiritual free agents trying to prove ourselves.   Your challenge: Stop treating Jesus like your last resort. This week, make Him your first response before you fix, control, or react. Pray first. Then move. Watch what changes. Hosts: Neil Gregory & Scott Nickell What We Discuss Why Southland is starting the year focused on Jesus The meaning behind John the Baptist calling Jesus "the Lamb of God" The very real experience of using a live lamb on stage The foreshadowing of Jesus in the story of Abraham and Isaac What "penal substitutionary atonement" actually means The shocking reality of the Passover sacrifices Why there are no "JV" or "elite" Christians The danger of treating pastors like spiritual professionals What it really means to be a son or daughter of God How to make Jesus your first response instead of your last resort ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What happens when the "problem child" grows up to lead the church? And what if the real prodigal in Jesus' story isn't the son at all? This week on The Cutting Room Floor Podcast, Neil sits down with Scott to unpack what didn't make it into Sunday's sermon on Luke 15. They talk about why the parable is really about an extravagant Father, not just a reckless son. Scott shares the parts he had to cut, the cultural context we often miss, and the symbolism behind robes, rings, and pigs. Scott opens up about getting kicked out of school and the people who refused to give up on him. You'll hear how radical grace changed his trajectory and why that same grace has to shape how we treat "one more" today. It's a reminder of who Southland has always been and who we're committed to be.   The Challenge: Who is your "one more"? This week, lay down a preference, take a risk, and invite someone. Grace changed your story…now let it shape theirs. Hosts: Neil Gregory & Scott Nickell What We Discuss: Why "The Prodigal Son" might be the wrong title The cultural weight of the son asking for his inheritance What feeding pigs really meant in Jewish culture The symbolism of the robe, ring, and sandals How the older brother missed his identity as a son Scott's story of detention, rebellion, and grace The leaders who refused to give up on him Why churches must make room for messy people What "one more" really looks like in everyday life ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

A local abortion case fires up both sides of the debate in Frankfort, highlights from Kentucky Chamber Day, why Kentucky's Attorney General is suing a chatbot company, another possible measles exposure case in the state, and a look inside Central Kentucky's first medical marijuana dispensary.

What if becoming "different and better" takes longer than we'd like? And what if that slowness is actually grace? This week on The Cutting Room Floor, we sit down with Scott Nickell and Jon Weece to talk through what didn't make it into Sunday's sermon. The conversation moves from the weight of finishing a season, to the quiet faithfulness God builds over decades, to why ministry still comes down to loving the one right in front of you. This episode reflects on tested faith, spiritual patience, and the kind of obedience that grows slowly. It's honest, grounded, and full of reminders that God is faithful in every season, especially the transitional ones. The challenge: Slow down. Be patient. Stay intentional. God isn't finished with you yet and the work He's doing now is shaping something better. Hosts: Neil Gregory, Scott Nickell & Jon Weece What We Discuss Writing a sermon without adding pressure to "make it special" Why Jesus always noticed the one person in front of Him The emotion of closing a long chapter of ministry What faith looks like after it's been tested How gratitude shapes leadership transitions Why patience is essential to spiritual growth Fishing and farming as metaphors for discipleship The power of remembering what God has already done Moving forward with trust instead of urgency ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Building a Financial Advisory Firm That Puts Clients First: An Inside Look at the Process Meta Description: Discover why Tom Dupree founded Dupree Financial Group in Lexington, Kentucky—focusing on personalized investment management, team accountability, and retirement planning for local clients. For pre-retirees and retirees in Kentucky searching for personalized investment management, understanding the “why” behind your financial advisor matters just as much as the “how.” In this special episode of The Financial Hour of The Tom Dupree Show, Tom Dupree Jr. and Mike Johnson share the founding story of Dupree Financial Group—a journey that began with a simple walk in the woods near Natural Bridge in Kentucky in February 2002 and evolved into a comprehensive wealth management approach designed specifically for Lexington-area retirement investors. The Origin Story: From Brokerage Dissatisfaction to Independent Registered Investment Advisor Tom Dupree recalls the pivotal moment that sparked the creation of Dupree Financial Group. Walking through the woods with his young son James on his shoulders, he realized the traditional brokerage firm model wasn’t aligned with the future he envisioned for his family and clients. “I got this joy, this excitement in my heart thinking about doing this,” Tom explains. “I was in no position to do it at all. I didn’t have any money. Strangely, my banker approved me for a loan to actually go get the office space and get it fitted up. And that fit-up is still the same fit-up we’re using. We have not changed it.” The firm officially opened in 2003, but Tom identifies 2010 as the true beginning of Dupree Financial Group as it exists today. That’s when the firm disassociated from an outside brokerage and became an independent Registered Investment Advisor (RIA). “In 2010, we disassociated ourselves with an outside brokerage firm and became what’s called an RIA, a Registered Investment Advisor, which meant that now we’re not paying 25% of our revenues to an outside firm,” Tom shares. “That enabled us to do a lot more internally, and it really was the beginning of the firm that we know today.” Key Takeaways: Why Dupree Financial Group Started Client-focused mission: Created to serve average retirement investors who wouldn’t necessarily get attention from major brokerage firms Cost structure advantage: Lower overhead means smaller accounts receive meaningful attention and personalized service Local accountability: Designed specifically to respond to clients in Lexington, Kentucky, and the surrounding region Team approach: Built from the ground up to provide collaborative service rather than single-broker relationships Independence: Becoming an RIA in 2010 eliminated the pressure to use proprietary products and allowed true fiduciary responsibility Personalized Investment Management vs. Mass-Market Approaches One of the core distinctions Tom emphasizes is the difference between Dupree Financial Group’s model and the mass-market approach taken by larger national firms. Rather than assigning clients to investment counselors within a large hierarchy, Dupree Financial Group provides direct access to portfolio managers who actually research and select the investments. “When you’re talking to somebody, to one of us, the team that you’re talking to is also the team that is designing your investment portfolio, actually helping pick stocks and bonds to own in the portfolio,” Tom explains. “Now why is that a big deal? Well, when I was with Brand X, they had a guy in New York who was brilliant, and he really was brilliant, and he was a stock picker. You didn’t ever talk to him, but he would publish a list of things that you ought to buy.” That approach failed catastrophically during the 2001-2002 market downturn, when many clients saw portfolios decline 50% with little communication or accountability from their advisors. “It wasn’t so much the fact that everything went down, although that was a big part of it, but it was the lack of communication,” Tom notes. “It was not being willing to be accountable for what really had happened, and they just clammed up.” The Dupree Difference: Direct Access and Transparency Mike Johnson highlights several critical advantages of the Dupree Financial Group model: Team collaboration: Multiple professionals work together on research and portfolio management, producing better outcomes than single-advisor approaches Direct communication: Clients speak directly with the team members who make investment decisions Own investment selection: The firm conducts its own research and calls companies directly rather than relying on buy lists from headquarters Local presence: All revenues stay local and are reinvested in client services rather than flowing to Wall Street firms “The service team is way more aligned with the investment team,” Mike explains. “It’s not two separate functions sitting in the same room.” Investment Philosophy: Focus on Income and Risk Mitigation for Kentucky Retirement Planning Unlike money managers competing to beat specific indices, Dupree Financial Group takes a different approach focused specifically on retirement investors’ needs. This investment philosophy prioritizes income generation and risk mitigation over performance rankings. “We’re not trying to beat any index. We’re just investing in things that we see are good that we think meet our parameters for what we’re looking for,” Tom states. “The why is it’s a focus on risk mitigation, and it’s a focus on income. Those things actually make it pretty easy for us once we tie down the parameters of what we’re looking for.” Mike Johnson references a quote from investment manager Howard Marks that encapsulates a key industry problem: “If you want to be in the top 5% of money managers, you have to be willing to be in the bottom 5% too.” That statement, Mike explains, highlights the perverse incentives created when advisors chase index performance rather than focusing on actual client needs. Real Portfolio Examples: How the Strategy Works The team shares several examples of their investment approach in action: The 6.5% Dividend Stock: “We bought it in June. This company, our listeners would be familiar with. At the time, it had a six-and-a-half percent dividend yield, and the valuation was attractive when you look at the hard assets that they had. We felt some things could go right for the company over the next couple of years. And in the meantime, the stock had gone down significantly, so there was a lot of bad news priced in already. Since then, the stock has gone up to what we thought it would go up to over the next two to four years. It just did it in four months.” The Grocery Company: “We invested in a company the other day—it was a grocery company well known within Central Kentucky. It’s gotten cheap. We just knew it as being a household name that pays a small dividend.” The Clothing Brand: “It’s kind of a clothing company, well-known. It puts out some major, well-known brands. The thing’s gone from a hundred dollars to 30-something, so we decided to take a look there. That one pays a pretty good dividend.” These examples demonstrate the value-focused, income-oriented approach that differentiates Dupree Financial Group from index-chasing strategies. The Team Approach: Building Long-Term Relationships Over Transactions A fundamental principle at Dupree Financial Group is the shift from transactional relationships to ongoing partnerships. Tom explains how his years at major brokerage firms taught him what he didn’t want to replicate. “One thing that I learned in the big firms was that it’s always about the transaction. It’s about the trade,” Tom recalls. “You were constantly having to pursue that trade, do this trade with this client, do that trade with that client. I didn’t want it to be about the trade anymore. I wanted it to be about the relationship.” This philosophy manifests in several concrete ways: Regular review process: Unlike transactional brokerage relationships, Dupree Financial Group built systematic client reviews into the firm’s DNA from the beginning No pressure to sell: Because clients have already committed to the process, meetings focus on education and information rather than sales Team accountability: Multiple team members take responsibility for each client rather than the single-broker model Transparent communication: When investments don’t work out, the team explains why openly rather than avoiding difficult conversations “When our clients come in for a review or they call with a question, they know we’re not trying to sell them anything,” Mike emphasizes. “It’s informational. It’s actually something they can use.” Direct Company Research: An Uncommon Practice One aspect of Dupree Financial Group’s approach that sets them apart is their practice of directly contacting companies they invest in—something Tom notes is rare among medium and small-sized investment advisors. “We do calls with these companies. In some cases, we’ve gone to visit them—the actual company itself that we’re investing in,” Tom explains. “That would’ve been unheard of in our previous setup. A big part of what we do is talk to the clients—I say clients, the businesses that we invest in. We talk to them, we want to find out what they’re doing, learn a little bit about management and do the best we can to really do our due diligence.” This hands-on research approach provides insights that buy lists and analyst reports simply cannot match. Four Generations of Financial Service: The Dupree Family Legacy The commitment to serving clients runs deep in the Dupree family history. Tom shares how his grandfather entered the investment business around 1920 in Louisville, Kentucky, selling preferred stock for Louisville Gas and Electric directly to the public before moving into municipal bonds. “My grandfather was the first one of our line that was in the investment business,” Tom explains. “Then my dad got into the business after being in the navy, I think it was around 1955 in Harlan, Kentucky. Then me and now my two sons are in the business.” Tom’s father moved the family to Lexington in 1963 and founded Dupree and Company, which managed municipal bond issues and eventually started the Kentucky Tax Free Mutual Fund in 1979. “Their idea was always to make a thing for clients that the clients could use, that was a retail thing,” Tom notes. “And so I carried that concern for the clients into what I did when we started Dupree Financial Group.” This multi-generational focus on creating client-centered investment solutions forms the foundation of the firm’s culture today. Tom’s sons, Clark and James, are involved with Dupree Financial Group, making the fourth generation of Duprees in the investment business. The Evolution: Early Struggles to Established Success Tom is refreshingly transparent about the challenges of the firm’s early years. After opening in 2003, success didn’t come easily or quickly. “It certainly was frightening during those early days of opening the firm and wondering if anybody would ever show up,” Tom recalls. “We did all these seminars, lots of them, over a hundred. People would show up, and now and then we’d get a client out of it. It took a lot of work.” The firm began regular radio broadcasts around 2008, which helped build awareness and credibility in the Lexington community. But the real transformation came in 2010 with the transition to RIA status. “When we became an RIA, it opened up possibilities for investment options that we didn’t have before,” Mike reflects. “It got the pressure of the heavy hand off to use proprietary products. That hand was always on you. And so that was lifted. It was like the skies opened up that you had this flexibility now.” Mike adds a crucial point about this transition: “At the same time, that was a sobering feeling. Now it was on you. You can’t blame it on anybody. But from our client’s standpoint, that was something that was a positive because the accountability increased for the firm.” Client Retention: The Ultimate Validation Perhaps the strongest validation of Dupree Financial Group’s approach is client retention. Tom notes that the firm keeps clients longer and longer—a testament to the relationship-building model. “We seem to be keeping clients longer and longer, so evidently we did something right,” Tom observes. “Once we got the buggy built, we really haven’t fooled with it much. We’ve tried to do some tweaks here and there, but the basic chassis has served us pretty well.” Why the “Why” Matters for Kentucky Retirement Investors For pre-retirees and retirees evaluating financial advisors, understanding the “why” behind a firm’s approach provides crucial insight into what kind of service you’ll receive. Dupree Financial Group’s founding principles remain consistent today: Serve retirement investors who might not get attention from large brokerage firms Maintain local presence and accountability in Lexington, Kentucky Provide team-based service rather than single-advisor relationships Focus on income and risk mitigation rather than index performance Conduct independent research and select individual investments Build long-term relationships rather than pursuing transactions Communicate transparently about both successes and setbacks As Tom reflects: “It really wasn’t about the investment performance. It’s about the touch, it’s about the accountability, those sorts of things. And that’s the kind of thing we’ve set up. That was what I envisioned when I started this thing—that we would give the clients more of what they should have been getting at the Wall Street firms.” Ready to Experience the Dupree Financial Group Difference? If you’re approaching retirement or already in retirement and want a local financial advisor who prioritizes transparency, accountability, and personalized service, Dupree Financial Group invites you to experience the difference that a client-first approach makes. Schedule your complimentary portfolio review today: Call: (859) 233-0400 Visit: www.dupreefinancial.com Get Personalized Analysis: Request your portfolio consultation Don’t settle for mass-market investment approaches or impersonal service from distant Wall Street firms. Work with a team of Kentucky financial advisors who do their own research, communicate directly with you, and keep your retirement goals at the center of every decision. Explore more insights on Kentucky retirement planning strategies and listen to additional episodes in our Market Commentary archive. Frequently Asked Questions About Dupree Financial Group What makes Dupree Financial Group different from large brokerage firms? Dupree Financial Group operates as an independent Registered Investment Advisor (RIA), meaning the firm doesn’t pay commissions to Wall Street parent companies and doesn’t face pressure to use proprietary products. The team that meets with clients is the same team that researches and selects investments, providing direct accountability and transparency. All revenues stay local and reinvest in client services rather than flowing to distant corporate headquarters. Why did Tom Dupree start his own financial advisory firm? Tom founded Dupree Financial Group in 2003 after 19 years with a major brokerage firm, where he witnessed the limitations of the transactional, sales-focused model. He envisioned creating a firm that would serve average retirement investors with personalized attention, team-based accountability, and a focus on long-term relationships rather than individual trades. The firm became truly independent in 2010 when it transitioned to RIA status. What is the investment philosophy at Dupree Financial Group? Unlike money managers competing to beat specific indices, Dupree Financial Group focuses on income generation and risk mitigation for retirement investors. The team conducts its own research, including direct calls to companies they invest in, and selects individual stocks and bonds based on dividend yield, valuation, and margin of safety rather than trying to match or beat market benchmarks. How does the team approach at Dupree Financial Group benefit clients? The team model means clients receive the collective expertise of multiple professionals rather than relying on a single advisor’s perspective. Multiple team members share responsibility for each client account, improving service levels and ensuring continuity. This collaborative approach produces better research outcomes and provides clients with consistent access to knowledgeable professionals. What types of clients does Dupree Financial Group serve? Dupree Financial Group specializes in serving pre-retirees and retirees, particularly those who might not receive personalized attention from large brokerage firms. The firm’s cost structure allows them to provide meaningful, customized service to clients with retirement accounts of various sizes, with a focus on the Lexington, Kentucky area and surrounding regions. How often does Dupree Financial Group communicate with clients? Regular client reviews are built into the firm’s DNA from the beginning. Unlike transactional brokerage relationships where communication happens only when making trades, Dupree Financial Group maintains ongoing dialogue with clients through systematic review processes. These meetings focus on education and information rather than sales, since clients have already committed to the firm’s investment process. Does Dupree Financial Group charge fees or commissions? As a fee-based Registered Investment Advisor, Dupree Financial Group operates under a fiduciary standard, meaning it’s legally required to act in clients’ best interests. This fee-based structure eliminates conflicts of interest inherent in commission-based brokerage relationships and aligns the firm’s success with client outcomes. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your specific situation. The post Why Independent Financial Advisors Choose Income Over Index Performance for Retirement Portfolios appeared first on Dupree Financial.

What does it look like to pray when you're out of control? And what happens when desperation becomes the doorway to deeper trust? This week on The Cutting Room Floor, Neil sits down with Matt Williams to unpack what didn't make it into Sunday's sermon on desperation and prayer. From hospital rooms to unanswered prayers, they talk honestly about what it means to depend on God when control slips through your fingers. The conversation moves from the Garden of Gethsemane to everyday life, parenting, grief, career changes, and reframes prayer as relational, not transactional. It's a reminder that surrender isn't weakness; it's training for trust.   The challenge: As you step into a new year, don't just ask what you want to add. Ask what God is inviting you to lay down. Where might surrender make room for deeper dependence? Hosts: Neil Gregory & Matt Williams What We Discuss Why desperation often reveals what we truly depend on Standalone sermons and the pressure of closing out the year Jesus in the Garden of Gethsemane as our model for prayer Prayer as relational rather than transactional How honesty and tears can become prayers Parenting, prayer, and reflecting the heart of the Father What it means to pray "Your will be done" when outcomes hurt The difference between hope and expectation Surrendering good things to say yes to better ones ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Kevin Stinnet, owner of The Lane Report talks to Jack about the state of the economy and businesses in Central Kentucky. See omnystudio.com/listener for privacy information.

Weekend Scripture: Matthew 26 ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What happens when God breaks 400 years of silence? What if Christmas isn't just comfort and joy, but a call to clear the way? This week on The Cutting Room Floor, Neil and Scott go deeper into Christmas According to Kids, Part 2, unpacking the story of John the Baptist, Mary, Elizabeth, and the moment when God's long silence finally ends. They explore how ancient prophecy collides with everyday faith, why John's whole life was about getting out of the way, and how Christmas awakens a deep longing, even in people far from God. From Malachi to the manger, from dragons to dinner tables, this conversation pulls back the curtain on the spiritual battle behind the nativity and the simple invitation Jesus still gives: come and see. The Challenge This Christmas, ask the question John's life demands: Who is near to me, but far from God? Then take one small step, ask a question, share your story, extend the invitation. Let Jesus do the rest. Hosts: Neil Gregory & Scott Nickell What We Discuss Why God's 400 years of silence matters more than we realize How Malachi's prophecy points directly to John the Baptist Why Christmas softens hearts in ways Easter often doesn't The power of asking simple, curious questions about faith "Come and see" as Jesus' most effective invitation strategy Spiritual warfare hiding in plain sight in the Christmas story Finding comfort and joy without pretending everything is okay Why your story with Jesus matters more than having all the answers ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

Send us a textIn this episode, Marketing Coordinator Cassie Johnson sits down with Loan Officers Ben VanHook and Olivia Randolph to explore the programs Ag Credit offers to Young, Beginning, and Small producers across Central Kentucky. They dive into resources like AgStart, Cultivate, Annie's Project, and AgBizInfo.com—each designed to support producers in strengthening their financial knowledge, understanding insurance options, planning farm transitions, caring for their well-being, and much more. Tune in to learn how these programs can help set the next generation of agricultural leaders up for success.Central Kentucky Ag CreditAgStartAnnie's ProjectCultivateAgBiz Info

What if the wonder you lost somewhere between wrapping paper, deadlines, and traffic could actually come back and lead you straight to Jesus? This week on The Cutting Room Floor, Neil sits down with Scott to talk Christmas nostalgia, and Mary's fierce childlike faith. In a season that can feel rushed and noisy, the conversation invites us to look through the eyes of a teenager from Nazareth, one who didn't just hope God could move, but trusted He would.   Mary's response wasn't sentimental; it was courageous. Saturated in Scripture, rooted in promise, she embraced a calling far beyond her understanding with a simple, steady "Let it be." That's the invitation of Christmas: not to do more, perform better, or polish ourselves into worthiness, but to stand in awe at the God who came near. Your Challenge: This week, act like a kid on purpose. Slow down. Notice beauty. Drink cocoa. Look at lights. Let wonder lead you back to worship, not worry.  Hosts: Neil Gregory & Scott Nickell ⸻ What We Discuss Scott's unapologetic love for Christmas Why Die Hard is (apparently) a Christmas movie The return of Christmas According to Kids and why the team ran it back   Mary's Magnificat and her surprising theological grit   Humble obedience vs. trying to "do better" Scripture memory  Recovering dangerous wonder in a grown-up world When faith feels like microscope vs. telescope living   How worship, lights, music, and tradition awaken childlike joy Christmas and Easter: morning and night of the same story   ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What if the love you're giving, and the love you're expecting, aren't the same thing? In this week's episode of The Cutting Room Floor, Neil and Scott wrap up an 11-week journey through men, women, and marriage. They explore what didn't make it into Sunday's sermon, from C.S. Lewis insights, to Greek word studies on love, to the work that needs to be done in every relationship. Together they unpack why fixing our eyes on Jesus is the only way marriage makes sense at all. Challenge: This week, choose one action that demonstrates love or respect, and practice it without expecting anything in return. Hosts: Neil Gregory & Scott Nickell ⸻ What We Discuss The divine drama of marriage and why it can't simply end with "try harder" What "love and respect" actually mean, and how they're misused The four Greek words for love and why agape changes everything Why biblical love feels impossible without Jesus Tough and tender: the two postures every husband must hold Emotional homework for men (and why anger is rarely the real emotion) Niceness vs. kindness and why only one is a fruit of the Spirit How to recognize the Shepherd's voice in a world full of noise What couples should starve and what they should feed in their marriage ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What if the very things that feel like obstacles are actually the places God wants to deepen unity, honesty, and love? This week on The Cutting Room Floor, Neil and Jon dive into the real and raw process of becoming "one." From the emotional and spiritual oneness that takes decades to form, to the hidden dangers of emotional attachments, this conversation goes far beyond Sunday's teaching. Whether you're dating, newly married, deep in the "Kansas" part of the journey, or decades in, this episode offers a hopeful reminder: you're not alone, and God is shaping something good. Your challenge: Take time this week to ask, with humility, How have I hurt you recently? Then listen without defending. Hosts: Neil Gregory & Jon Weece ⸻ What We Discuss Why emotional and spiritual oneness takes years, not days, to develop   How cultural expectations warp our view of "instant" connection Why older couples can become one of the greatest resources for younger marriages The hidden dangers of emotional attachments and comparison through social media   How past sexual experiences create lingering soul ties, and how God heals them   Why honesty breaks the lie that "you're the only one struggling" The power of intentional conversations that rebuild trust and closeness How to keep stress from pulling you apart The value of pre-marriage counseling, community, and seeking wisdom before you're in crisis Why selflessness and not fairness, is the engine of a healthy marriage ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. Jesus came to seek and save the lost and we follow Him into that work. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What if the most intimidating parts of marriage are actually invitations from God to build something stronger, not scarier? And what if submission, sacrifice, and responsibility look far different than what culture assumes? This week on The Cutting Room Floor, the conversation gets honest and unavoidably practical as we dive into the marriage portion of the Toy Stories mega-series. Scott unpacks the beauty and weight of Ephesians 5, why this familiar passage deserves fresh eyes, and how men and women can step into their God designed roles with humility instead of fear. From the responsibility of headship to the strength behind the word "helper," from covenant relationships to the call for purity, this episode gives shape to what biblical marriage is meant to be and why it matters for everyone, married or not. Your challenge: Take an honest look at the posture of your heart this week. Where do you need to humble yourself, submit to Jesus, or take ownership in your home?  Hosts: Neil Gregory & Scott Nickell ⸻ What We Discuss  Why familiar Bible passages can be the hardest to teach  Headship as responsibility, not dominance, and why it should drive men to their knees  The strength and dignity behind the biblical word helper (ezer kenegdo)  What submission actually means (and doesn't) in light of Jesus  Covenant vs. contract and why culture keeps confusing the two  The three paths back to honoring Jesus in relationships  Why gathering for worship matters more than we admit, and why men especially should lift holy hands  The importance of community when you're trying to grow, heal, or rebuild  Friendship as the often overlooked foundation of a lasting marriage ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What if the very thing you're trying to avoid is the thing God wants to redeem? This week, Neil and Scott walk through the story of Ruth, a story filled with grief, loyalty, risk, and the surprising ways God works through ordinary obedience. Scott unpacks how Ruth's story confronts the lies culture sells us, reframes what submission truly means, and invites us to trust God with our whole lives, even the painful parts. The challenge: Ask yourself honestly: Do I really believe Jesus is who He says He is? Because if so, it changes everything, how we love, how we sacrifice, and how we lay down our lives every day. Hosts: Neil Gregory & Scott Nickell What We Discuss: Why Ruth was chosen to close the Women series The surprising meaning behind the names in Ruth Why Naomi's bitterness resonates with so many of us The risky nature of Ruth's visit to the threshing floor Boaz as a picture of Jesus, the Kinsman Redeemer What "submission" actually means (and what it doesn't) How bitterness becomes an identity if left unchecked The reality of emotional vs. visual pornography Why repentance doesn't erase consequences The simple but costly call to die daily ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. We want what He wants: for heaven to be really crowded. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What if nurturing isn't something you feel, but something you grow? This week on The Cutting Room Floor, Neil sits down with Scott, and Lydia to unpack the sermon on nurturing the kind of strength that builds others up. Lydia shares what it felt like to prepare a message many women receive with mixed emotions, and why turning to Scripture, not culture, is the only way to truly understand God's heart. Together, we explore what nurture is, what it isn't, why it matters, and how it reflects the very character of Christ. The Challenge: Don't wait to "feel ready." Take one step this week to nurture someone intentionally, sacrificially, and with the strength God supplies. Hosts: Neil Gregory, Scott Nickell, & Lydia Florence  ⸻ What We Discuss Why preparing this sermon required sitting with Scripture deeply How nurture is more than personality, it's cultivation The cultural confusion around womanhood and motherhood The biblical picture of strengthening others Why clarity is kindness in discipleship and teaching How Jesus Himself models perfect nurturing strength The lie that flourishing comes from self-reliance The beauty and cost of nurturing relationships A call for both men and women to move from consuming to contributing in the church ⸻  About Southland Christian Church  Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. We want what He wants: for heaven to be really crowded. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give

What happens when we stop chasing approval and start living from design? In this week's episode of The Cutting Room Floor, Neil, Jess, and Jon unpack the conversation behind the sermon on modesty, a topic that's often misunderstood and sometimes avoided. Jon shares the deeper biblical meaning behind the word modest, why it's rooted in the nature of God, and how living a "well-arranged" life brings freedom, not restriction. Together they explore what it looks like to find order in the chaos, reclaim identity in Christ, and take one small step toward living with purpose and peace. This week, take one step toward being "well arranged." Whether it's your wardrobe, your words, or your work, ask God to help you bring order to what feels chaotic and let your life reflect His beauty and design. Hosts: Neil Gregory, Jess McKenney, and Jon Weece What We Discuss: The biblical meaning of "modesty" Why modesty is more about order than appearance How culture confuses freedom with pressure, especially for women The connection between modesty and identity in Christ Practical ways to take one step toward change The role of older women as examples of grace and wisdom Lessons from Mary, the mother of Jesus, and her "well-arranged" faith How dads can shape daughters' sense of worth and security Why words matter as much as wardrobe Finding peace and purpose in the midst of cultural chaos ⸻ About Southland Christian Church Southland is one church meeting in multiple locations across central Kentucky. We believe Jesus came for the lost and the broken, which means there's a place for everyone here. We want what He wants: for heaven to be really crowded. Around here, that means we worship defiantly, speak truth unashamedly, and extend grace generously. To support this ministry and help us continue to reach across Central Kentucky and all around the world, visit: https://southland.church/give