Podcasts about Diversification

Alors que le marché des smartphones dépasse les 17 milliards d'euros en France, une alternative s'est installée dans nos poches : le reconditionné. Laurent Kretz reçoit Victoria Mousa, Head of Product & Operations chez Back Market, la marque qui a fait exploser ce marché en France avec 75 % de parts de marché. Aujourd'hui 1 téléphone sur 3 est vendu aujourd'hui en reconditionné via leur plateforme.Victoria dévoile les coulisses de leur modèle : comment créer la confiance, comment optimiser le parcours d'achat au-delà du CRO (Contract Research Organization) classique, et comment bâtir un écosystème de services pour donner envie aux clients de s'engager durablement.Au programme : 00:00:00 - Introduction du podcast 00:05:02 - Le parcours professionnel de Victoria00:11:41 - Fonctionnement, structuration, différences seconde main/reconditionné.00:15:39 - Les garanties, le processus qualité, et la notion de confiance client.00:23:24 - Expansion internationale et stratégie d'adaptation aux différents marchés.00:27:15 - Diversification de l'offre : électroménager, nouvelles catégories et partenariats.00:32:13 - Optimisation, A/B testing, expérience utilisateur, et outils du CRO.00:42:34 - Services additionnels et diversification00:53:03 - Optimisation de l'expérience utilisateur01:00:18 - Fidélisation et vision businessEt quelques dernières infos à vous partager :Suivez Le Panier sur Instagram @lepanier.podcast !Inscrivez- vous à la newsletter sur lepanier.io pour cartonner en e-comm !Écoutez les épisodes sur Apple Podcasts, Spotify ou encore Podcast AddictHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Stay informed about the changing retirement landscape with hosts Wes Moss and Christa DiBiase as they unpack today's relevant financial topics—from the growing influence of AI-related stocks to strategies for maintaining a well-balanced retirement plan. This episode of the Retire Sooner Podcast focuses on education, awareness, and practical insights to help you better understand the factors that can potentially shape your long-term financial journey. • Explore how AI-related stocks are influencing the S&P 500 and what increased market concentration may mean for maintaining a diversified investment mix. • Review thoughtful rebalancing considerations designed to help preserve diversification across asset classes—including small caps, mid caps, international equities, and fixed income. • Understand the structure and potential risks of employee stock purchase plans (ESPPs), including holding periods and portfolio exposure considerations. • Clarify what the idea of a “million-dollar retirement” represents by examining how individual goals, income needs, and household spending habits differ. • Consider long-term planning concepts such as Roth IRA conversions for inherited assets and the potential benefits of engaging multiple generations in family financial discussions. • Examine the latest Social Security Cost of Living Adjustment (COLA), how it compares historically, and common perspectives regarding future program sustainability. • Evaluate options for managing excess savings allocated toward shorter-term goals—such as travel or home projects—based on time horizon and comfort with potential market movement. • Discuss flexible withdrawal and income planning considerations that may help support the transition from early retirement to Social Security eligibility. Enhance your financial awareness and stay up to date with the Retire Sooner Podcast. Listen and subscribe for educational discussions on market trends, retirement fundamentals, and strategies to help you make well-informed financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Charlie and Peter examine whether we're in an AI bubble, discussing how a speculative bubble is defined, the warning signs of a bubble, the possibility that this is actually an AI revolution, and what investors should do.

Investors await job cuts data and scrutinize results from Qualcomm, Arm Holdings, and DoorDash. Stocks bounced yesterday as the Supreme Court heard tariff arguments. Chips gained.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With U.S. equities becoming increasingly concentrated in mega cap names, there is an opportunity abroad. However, it's not just about diversifying one's portfolio—join Host Michael Hainsworth and Portfolio Manager Peter Rozenberg as they discuss the opportunity and risks of international investing. 

#253: My top 10 takeaways from a retreat for high-net-worth investors, which will cover investing, managing risk, investing in your health, building meaningful relationships, parenting with purpose, and defining success in a way that goes far beyond money. Tad Fallows is the co-founder of Long Angle, a private community for investors with more than $2.2 million in assets. He previously co-founded iLab Solutions, a global leader in cloud-based lab management software, which was acquired by Agilent Technologies. Link to Full Show Notes: https://chrishutchins.com/10-lessons-wealth-health-happiness Partner Deals LMNT: Free sample pack of my favorite electrolyte drink mix Vuori: 20% off the most comfortable performance apparel I've ever worn Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Fabric: Affordable term life insurance for you and your family MasterClass: Learn from the world's best with 15% off For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Long Angle: Join a free private community for high net worth investors What Is BRCA2? Sober Founders ATH Podcast Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (02:01) Why Health Is Your Most Important Asset (04:13) How to Become Your Own Health Advocate (08:14) Different Ways to Invest in Fitness and Accountability (12:27) Relationships: The Ultimate Compound Asset (14:03) Why Adult Friendships Are So Hard to Build and Maintain (16:05) Reclaiming Time for Relationships and Family (17:15) The Power of Intentional Travel (20:43) Lighthouse Parenting: Why You Should Allow Your Kids to Struggle (25:01) Learning From Your Kids' Limitless Imagination (25:56) A Simple Exercise to Expand What's Possible in Every Area of Life (28:47) Redefining Success and Purpose (34:09) Defining Your Objective to Simplify Complex Decisions (38:44) How to Think About Managing Risk (43:28) Diversifying Beyond the S&P 500 (47:53) Two Spectrums of Diversification and Liquidity (50:38) The Danger of Over-Optimizing (52:14) Why True Wealth Isn't About Dollars (55:45) The Importance of Designing a Life That Works For You Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of Money Moves, Matty A. and Ryan Breedwell dig into the latest shifts shaping markets—from inflation and interest rates to the AI stock frenzy and how investors can prepare for what's ahead.They break down why consumer debt is at record highs, what the Fed's latest data tells us about the economy, and whether 2026 could mark the next major bull market cycle. The duo also discusses how AI-driven investing is changing the game, why real estate remains a long-term hedge, and how disciplined investors can win by staying patient through volatility.This episode blends macroeconomic clarity with timeless investment principles—perfect for anyone trying to navigate today's uncertainty without losing sight of long-term goals.Episode Highlights:[00:01:10] Market update — the Fed's inflation battle and what's next for rate cuts[00:06:40] Consumer debt and household spending — are Americans overextended?[00:11:20] AI mania in the markets — real innovation or speculative bubble?[00:16:50] Election-year volatility — how politics shapes short-term sentiment[00:21:10] Real estate update — where prices are holding and where they're falling[00:26:30] Diversification and discipline — why “boring” portfolios outperform[00:31:50] Long-term perspective — how patience and consistency compound wealthEpisode Takeaways:Inflation remains sticky, but market resilience shows underlying strength.The Fed's gradual approach to rate cuts could set the stage for a 2026 bull run.AI hype will fade—but real-world applications will define lasting winners.Real estate remains a proven hedge against inflation, despite short-term cooling.Long-term success requires consistency, diversification, and emotional discipline.Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

In this episode, we are joined by Richard Bernstein, CIO and CEO of Richard Bernstein Advisors. We discuss why this is one of the most speculative market environments he has seen in his 40-year career, why he still believes it may also be one of the best eras for patient long-term investors, and how to think about the real opportunities hiding beneath the market's current narrow leadership. Richard breaks down his profit cycle framework, shares why investors are confusing economic stories for investment stories, and explains why non-US quality stocks and dividend strategies may be primed for a comeback.Topics covered• Speculation across asset classes and why it matters• Why fundamentals still offer big opportunities• The profit cycle vs the economic cycle• Divergence between the market leaders and the broader market• Inflation, pricing power, and corporate margins• Parallels between the AI boom and the dot-com bubble• Misallocation of capital and risks to the market• The case for non-US quality stocks• Where value investing could shine again• Dividend compounding and long-term wealth building• How RBA approaches macro-driven ETF investing• What investors are getting wrong about diversification• Deglobalization, reindustrialization, and long-term themesTimestamps00:00 Intro and speculative environment01:46 Best opportunities for patient investors03:52 Profit cycle framework explained06:00 Where we are in the profit cycle07:32 What investors are missing on inflation09:12 Lessons from the dot-com era and AI comparisons13:46 What could trigger the speculative unwind17:18 Valuations, CAPE, and return expectations20:23 AI's impact on margins and productivity22:39 Can value outperform again25:41 International opportunities and quality stocks34:31 Market breadth and narrow leadership36:00 The Fed, inflation targeting, and policy risks40:11 RBA's investment process and ETF selection47:13 Diversification vs speculation behavior49:26 Misallocation of capital and market risks52:00 Deglobalization and manufacturing opportunities54:13 Closing question: Stock market vs horse race57:40 The business Richard would start today58:29 Where to follow Richard Bernstein

Today features a look at October hiring, along with McDonald's and DoorDash earnings, as the Supreme Court hears arguments on tariff policy after Tuesday's chip market plunge.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Building wealth takes time, patience, and strategy. This week, we discuss Morgan Housel's reminder that “wealth requires long-term effort”, what to consider for year-end Roth conversion opportunities — and answer a listener's question about what to do when IRA withdrawals outpace spending and money is sitting in the bank. Get started on your path to financial freedom. Download our Rothification Guide: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

The mortgage broking industry in Australia is becoming increasingly competitive, prompting brokers to adopt strategic marketing, personalised client engagement, and diversified services to stay ahead. In this episode of Finance Specialist, hosts Liam Garman and Trent Carter explore effective marketing strategies, emphasising multichannel approaches, consistent engagement, and personalisation to build trust and strong client relationships. They stress the importance of understanding client problems and delivering value, moving conversations beyond rate comparisons to meaningful financial solutions. Goal setting and habit-based planning are highlighted as essential tools for brokers to achieve momentum and long-term success. Diversification into commercial lending and SMSF opportunities is encouraged, helping brokers reduce risk, while tapping into new revenue streams. Garman and Carter also highlight the role of automation and technology in streamlining workflows and improving client retention, while cautioning that the human touch remains critical. Education and professional development are central, equipping brokers with deeper financial insights to provide tailored advice and stay ahead of market trends. Throughout, the hosts emphasise strategic planning, personalised service, and continuous learning as keys to navigating the complexities of today's mortgage broking landscape.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears.

Palantir topped consensus estimates and investors await Advanced Micro Devices after today's close. Chip stocks keep rallying, but breadth is narrowing, a possible sign of caution.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is your retirement plan built on a solid foundation—or is it at risk from hidden debt, taxes, and market surprises? JoePat Roop dives into the realities of “good” versus “bad” debt, the tax traps lurking in IRAs and 401(k)s, and the true story behind gold’s recent surge. Discover why diversification isn’t just about stocks, but also about tax and income strategies. Whether you’re aiming to grow, preserve, or simply understand your wealth, this episode unpacks the numbers, the myths, and the moves that matter most for your financial future. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Maybe annuities aren't so bad after all... right? Ryan Herbert & Katherine Groce discuss how shifting financial headlines are rewriting the rules for annuities, tax planning, and 401(k)s. They break down why annuities are no longer taboo, how tax planning became essential, and what every retiree needs to know about income security. Learn how to build your “income island” and why a diversified approach can help you sleep soundly in retirement. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals. On today's episode, we are back in the studio with repeat guest Nic Schaalma. We discuss: Nick emphasizes the importance of balancing investments, including land and retirement accounts. Land can be a valuable investment, but it shouldn't be the only focus for average earners. A 401k match is considered "free money" and should be prioritized before investing in land. Saving for a down payment is crucial; having a safety net is essential before buying land. Buying land below market value can lead to significant long-term gains and wealth building. Diversification in investments is key; don't put all your money in one asset class. The current market shows potential for finding deals as interest rates rise and demand shifts. Building relationships with landowners can lead to off-market opportunities and better deals. Land contracts can be beneficial for both buyers and sellers, especially for tax reasons. The conversation highlights the importance of strategic planning and smart financial decisions. And so much more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get Pre-Approved to Purchase a farm with Buck Land Funding ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whitetailmasteracademy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use code '⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HOFER' to save 10% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.theprairiefarm.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Massive potential tax savings: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ASMLABS.Net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Moultrie: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/moultrie_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Hawke Optics: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/hawkeoptics_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -OnX: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/onX_Hunt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Painted Arrow: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/PaintedArrow

When people think of what could haunt their retirement, they often imagine running out of money, facing unexpected expenses, or living too long. But as we discuss in this episode, there's a more insidious villain: sequence of return risk. Sequence of return risk refers to the threat of poor investment returns occurring early in your retirement years, just when you start withdrawing funds. Even if the average returns over your retirement are sufficient, early losses can irreparably damage your nest egg and dramatically increase the odds of running out of money. To bring these concepts to life (with a Halloween twist), we walk through a scenario featuring Jamie Lee Curtis's iconic character, Laurie Strode, imagining her retirement through 25 years of market ups and downs. The outcome all depends on her initial withdrawal strategy and, crucially, how her portfolio is allocated. Outline of This Episode [00:00] A Halloween retirement survival tale, ft. Laurie Strode. [03:16] Retirement withdrawal scenarios analysis. [07:30] Optimizing financial asset allocation. [11:47] Diversification protects retirement portfolios. [15:16] Retirement portfolio stress testing. [16:41] Retirement planning for stability. ***********

Investors will shift focus to another packed week of corporate earnings and a light lineup of economic data while they continue to digest the latest Fed rate cut.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you risking your retirement on just a handful of stocks? This past weekend’s radio show dives into the hidden dangers of over-concentration in today’s market, the “Magnificent Seven” stocks, and why diversification is crucial as you approach retirement. Plus, Abe Abich spotlights the unique financial challenges women face and the importance of planning for life’s unexpected turns. Real listener stories and expert advice make this episode a must-hear for anyone nearing retirement or navigating the great wealth transfer. Tune in for practical insights and strategies you can use now. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Liz Ann Sonders and Kathy Jones discuss this week's Federal Open Market Committee (FOMC) meeting and the latest interest rate cut. They also analyze some of the details of what is driving the Fed's decisions in light of the government shutdown.Next, Kathy Jones is joined by David Beckworth. Kathy and David discuss the complexities of the Federal Reserve's balance sheet, the broader implications of monetary policy, and the emerging landscape of stablecoins and central bank digital currencies (CBDCs). They discuss the challenges the Fed faces in managing its balance sheet, the potential impact of stablecoins on the financial system, and what these developments mean for investors. David outlines three potential steps the Fed could take to downsize the balance sheet: asset swaps, managing the Treasury General Account (TGA), and improving ceiling facilities. You can keep up with David Beckworth by following his podcast, Macro Musings, and his Substack, “Macroeconomic Policy Nexus.”On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Digital currencies are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intendedThe comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(1025-36UZ) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Strong results from Amazon and a decent showing from Apple are in the spotlight after risk-off sentiment, big losses for Meta, and weak chip stocks took some sizzle off the rally.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Inflation eats into purchasing power—especially once pay raises stop. In this episode, Ken and Jeremy cover practical, level-headed ways retirees can plan for inflation without hype: from choosing where to keep cash, to timing Social Security, budgeting with intention, and setting the right mix of stocks versus safer assets.We keep it simple, educational, and actionable so you can feel more confident about your retirement plan. If you'd like a personalized review or a second opinion, connect with our team at Retirement Planners of America.If this helped, please Like, Subscribe, and Share with a friend who's planning to retire.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

In this conversation, Stephan Livera and Matt McClintock delve into the complexities of wealth management in the context of Bitcoin, exploring the concept of the Sovereignty Paradox. They discuss the nuances of sovereignty, the importance of preparing the next generation for wealth, and the role of philanthropy. The conversation also covers tax implications, strategies for managing Bitcoin wealth, and the risks associated with custodianship. Matt emphasizes the need for diversification and the evolving landscape of Bitcoin custody and regulation, while also addressing common pitfalls in wealth management.Takeaways:

In this powerful episode of Abundance Thursdays, hosts Vinney "Smile" Chopra and Gualter Amarelo reveal how the most successful investors in today's market aren't chasing deals—they're solving the right problems. Drawing from decades of experience in multifamily, senior living, and hospitality investing, Vinney shares real-world stories about building wealth through integrity, relationships, and listening first. Together, they unpack how high-performing investors think differently:

What if your nonprofit could generate more revenue without adding more chaos? In this episode, I talk with 30-year nonprofit veteran Rick Harris about how to stop relying on the same old income streams and start building new ones the smart way. We unpack practical strategies for diversifying revenue without spreading your team too thin, creative ideas for attracting sponsors, and how fair pay builds trust and retention across your organization. Episode Highlights 01:16 – Meet Rick Harris: Nonprofit Growth Expert 03:04 – The Importance of Diversification 06:17 – Avoiding the Scattergun Approach 12:05 – Innovative Sponsorship Ideas 18:56 – Navigating IRS Regulations and UBIT 29:25 – Equitable Pay in Nonprofits My guest for this episode is Rick Harris. Rick is the CEO of the Association of Proposal Management Professionals (APMP), and a 30+ year non-profit veteran. Specializing in helping other non-profits grow their business through better membership, education, networking, marketing, and building communities, Rick is a go-to-market-now expert in the field of non-profit business growth. He is well known for helping non-profits achieve their goals through better business planning, marketing, and building their communities through his 20+ years in non-profit management. Connect with Rick: Website: http://www.apmp.org LinkedIn: https://www.linkedin.com/company/apmp Facebook: https://www.facebook.com/APMP.org Sponsored Resource Join the Inspired Nonprofit Leadership Newsletter for weekly tips and inspiration for leading your nonprofit! Access it here >> Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn.

Fed Chairman Powell's hawkish rate talk cooled Wednesday's rally, and two of the three mega caps saw shares fall despite exceeding consensus. Apple and Amazon report later today.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Le sujet :Les plus grandes fortunes se construisent en investissant là où personne n'ose aller. Plongez dans l'univers des thèses « contrariennes » avec un expert qui a transformé ses convictions en performances.L'invité du jour :Yves Choueifaty est le fondateur de la société de gestion d'actifs TOBAM. Au micro de Matthieu Stefani, il partage ses thèses d'investisseur visionnaire :La méthode pour saisir les opportunités avant les institutionnelsBitcoin : la thèse d'investissement d'Yves ChoueifatyLes risques liés à l'investissement dans une économie autocratiqueComment développer ses propres thèses contrariennesInvestir grâce au Diversification Ratio et au rasoir d'OckhamIls citent les références suivantes :Les épisodes de GDIY avec Shane Parrish, Carlos Ghosn et Jean-Marc JancoviciLe ratio de diversification d'Yves ChoueifatyLe rasoir d'OckhamLe livre Pour une vraie concurrence des monnaies de Friedrich HayekLe rasoir d'Ockham Bernhard RiemannCycle de Kübler-Ross L'indice de démocratieAinsi que d'anciens épisodes de La Martingale :Faut-il investir dans l'épargne responsable ? - Joseph ChoueifatyOn vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.Merci à notre partenaire Enky de soutenir le podcast.Bénéficiez de 100€ à 300€ crédités selon le montant investi en cliquant sur ce lien.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Stephen Grootes speaks to Vincent Anthonyrajah, CEO of Differential Capital, about why global diversification is crucial in today’s markets. With interest rates, policies, and growth patterns diverging across regions, investors who rely on a single market risk being left behind. Broadening exposure to emerging markets and less correlated assets could be key to balancing risk and unlocking new opportunities. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

As global energy systems evolve, emerging economies face a defining challenge: how to secure affordable power for today while investing in the low-carbon solutions that will drive tomorrow's growth. Can energy diversification unlock a new era of industrial development, resilience, and inclusive prosperity?In the third and final episode of our special series ahead of ADIPEC 2025, host Ed Crooks is joined by Charlotte Wolff-Bye, Group Chief Sustainability Officer at PETRONAS, and Andrew Smart, Senior Managing Director at Accenture. Together, they explore how countries in Asia, the Middle East and beyond are using integrated energy strategies to build stronger, fairer economies.Charlotte explains how PETRONAS is redefining its role as a national energy company: supporting Malaysia's growth through lower-carbon development, capacity-building, and nature-based solutions. She outlines how the company's investments in renewables, hydrogen, and carbon capture are creating skilled jobs, building local supply chains, and delivering a “just transition” that lifts communities.Andrew shares Accenture's perspective from the Middle East, where nations are emerging as pivotal connectors between the Global North and South-linking capital, technology, and opportunity. He discusses how digital innovation, AI, and regional interconnection are reshaping resilience and competitiveness, while new financing and regulatory models aim to make clean-energy investment bankable at scale.The message from emerging economies is clear: energy transition and economic development can must advance hand-in-hand. Finally, the group considers what a decade of progress might bring us, including more collaborations across borders and across sectors. They explain why new connections such as regional power grids, diversified supplies, and joined-up policies and corporate strategies point to brighter futures for energy and human development.This is the third and final special episode sponsored by ADIPEC 2025, where the theme is Energy Intelligence Impact. The event brings together 205,000+ attendees and 1,800+ speakers in Abu Dhabi from 3–6 November 2025. The Energy Gang will be recording live at the event. Join us there to be part of the conversation.Learn more and register at adipec.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Money Moves, Matty A. and Ryan Breedwell dive into one of the most politically and economically charged periods in recent history. With election season intensifying, AI regulation heating up, and market volatility rising, they break down how investors can prepare for the next 18 months.The hosts discuss why markets tend to rally after elections, the impact of potential policy shifts on taxes, crypto, and interest rates, and why AI regulation could change the trajectory of tech investing. They also explore the Federal Reserve's 2026 outlook, global instability, and whether gold and Bitcoin can protect investors against inflation and geopolitical risk.This episode delivers a balanced mix of macroeconomic insight, investment strategy, and real-world perspective to help you make smarter money moves during turbulent times.Episode Highlights:[00:00:30] Market volatility update and what's driving investor sentiment right now[00:04:15] Election-year dynamics: why markets often rally after political uncertainty settles[00:09:30] AI regulation and its impact on tech valuations and innovation[00:14:40] Global instability and energy prices — where the real risks lie[00:18:55] The Fed's next moves: interest rates, inflation, and 2026 projections[00:23:30] Crypto outlook — regulation, adoption, and institutional entry points[00:27:20] Gold, Bitcoin, and real assets as protection against market chaos[00:32:45] Why most investors lose in election years and how to avoid emotional decisions[00:38:10] The 2026 setup: sectors and strategies that could outperform long-termEpisode Takeaways:Election uncertainty creates opportunity. Historically, post-election rallies favor patient investors who stay positioned through volatility.AI regulation is coming. Expect more government scrutiny and tighter frameworks around data, IP, and automation—but innovation will persist.Diversification matters more than ever. Real assets, energy, and technology infrastructure remain strong long-term plays.Crypto and gold remain hedges. Institutional adoption and digital asset infrastructure are solidifying.Focus on fundamentals. Emotional, reactionary investing destroys returns—discipline compounds wealth.Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

There are record levels of money market funds, but it doesn't mean quite what you think. Today we also explore recent market volatility sparked by Trump's brief tariff announcement and a sharp crypto sell-off that triggered stop-loss cascades. We also analyze seasonal trends, the rotation from mega-cap tech into value and small-cap stocks, and why most active managers underperformed the S&P 500 this year. We talk the importance of diversification, understanding risk tolerance, and viewing corrections as part of normal market cycles rather than reasons to panic. We discuss... Markets experienced sharp volatility following Trump's brief tariff announcement and a cascading crypto sell-off. How stop-loss triggers and algorithmic trading can amplify short-term market moves. Gold and silver pullbacks are healthy corrections within a long-term bullish thesis on precious metals. Portfolio allocation and risk management are critical to surviving sharp market drawdowns. Seasonal patterns are examined and late-year volatility can set up strong year-end rallies. Underperformance of active managers relative to the S&P 500 comes from narrow market leadership. Don't chase short-term moves, instead focus on long-term positioning. We explore how investor psychology and herd behavior can magnify both rallies and declines. The episode touched on how retail investors often get whipsawed when reacting emotionally to news-driven moves. The conversation compared current market sentiment to prior bubbles in meme stocks and crypto. Diversification is the best protection against unpredictable volatility events. How market manipulation and liquidity gaps can distort short-term price signals. The discussion linked rising geopolitical uncertainty with the growing appeal of hard assets. We underscore the importance of having a clear thesis and sticking to it through market noise. Volatility should be viewed as opportunity, not danger, for prepared investors. Today's Panelists: Kirk Chisholm | Innovative Wealth Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/record-levels-of-money-market-funds-759

In this episode we answer emails from Tyson, Patrick, and Shuchi.  We discuss the basics of transitioning, SCHD as a value fund choice, bitcoin vs. gold, why "only works for 30 years" is a fake problem, the difference between our use of value funds vs. Paul Merriman's, and when would me make adjustments to our plans in retirement.Links:Bigger Pockets Money Podcast #1:  The Secret to a 5% Safe Withdrawal Rate | Frank VasquezBigger Pockets Money Podcast #2:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Morningstar Analysis of SCHD:  SCHD Stock - Schwab US Dividend Equity ETF | MorningstarGolden Ratio Portfolio on Portfolio Charts:  Golden Ratio Portfolio – Portfolio ChartsRetirement Spending Calculator:  Retirement Spending – Portfolio ChartsDrawdowns Calculator:  Drawdowns – Portfolio ChartsMichael Batnick Critique of CAPE Ratio "Predictions":  Stocks Are More Expensive Than They Used to BeBreathless AI-Bot Summary:A plan that survives contact with the market looks different from the one you sketch on a napkin. We break down the 80 percent FI pivot—why shifting from an aggressive accumulation mix to a retirement-ready allocation a few years early can defuse sequence risk without surrendering growth—and show how to decide when to pull that lever without second-guessing every blip.We also tackle one of the most popular questions right now: can Bitcoin replace gold? Short answer: not for core diversification. Gold's role as a Basel III Tier 1 reserve asset and its central bank demand make it a unique stabilizer in a way that risk-on assets can't duplicate. Bitcoin behaves more like a levered tech proxy, which is interesting for satellite bets but insufficient as an anchor. On equities, we explain why splitting the stock sleeve between growth and value—think a broad growth-leaning fund paired with a true value fund like SCHD—creates the performance dispersion that fuels rebalancing gains during stress, raising durability without betting on factor outperformance.If the 30-year rule worries you, breathe. Withdrawal rates flatten as horizons extend, and real-world retiree inflation typically runs 1 to 2 percent below CPI, offsetting the longer timeline. Add simple guardrails—pausing raises, trimming discretionary spend in bad years—and you can boost sustainability by about a percentage point. The key is to know your portfolio's historical drawdown depth and length, set bright lines for action, and avoid valuation-based fortune-telling. Diversification and disciplined rebalancing beat crystal balls.If you found this helpful, follow the show, leave a review, and share it with a friend planning their FI transition. Your support helps more DIY investors build portfolios designed to last for life.Support the show

Where should you put your money right now? Ryan Gibson and Tait Duryea sit down with economist Dr. Elliot Eisenberg to decode the markets, interest rates, and the economic forces shaping your portfolio. From AI layoffs to multifamily real estate, they break down how high-income earners, especially pilots, can build wealth intelligently amid uncertainty. Elliot reveals why the top 10% of earners are keeping the economy afloat, what sectors look undervalued, and which indicators truly predict where we're headed next. Packed with humor, clarity, and actionable advice, this episode helps you read the financial skies with confidence.Elliot Eisenberg, Ph.D., is an Internationally Acclaimed Economist and Public Speaker Specializing in Making the Arcana and Minutia of Economics Fun, Relevant, and Educational.“BOWTIE” to 66866 to sign up to receive the daily blog via emailShow notes:(0:00) Intro(03:15) Where We Are in the Market Cycle(05:53) AI, Automation, and Job Layoffs(07:29) The Power of Diversification(09:54) Stock Market Overvaluation Explained(13:03) Will AI Replace Pilots?(15:14) Building Wealth on a Pilot's Salary(17:00) Why the Rich Keep the Economy Strong(24:07) Flying Blind: Government Shutdown Effects(25:51) Real Estate Cycles and Rate Cuts(27:00) Office and Multifamily Market Outlook(30:26) Where to Invest in 2025(31:44) Defense, Gold, and Space Stocks(32:11) Top 5 Economic Indicators to Watch(37:00) How ChatGPT Boosted ProductivityConnect with Dr. Elliot Eisenberg:Website: https://econ70.com/LinkedIn: https://www.linkedin.com/in/elliot-eisenberg-b9a1894/—If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

Alphabet, Microsoft, and Meta Platforms report after the close with all eyes on AI spending trends. The Fed is expected to cut rates 25 basis points, futures trading suggests.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Paul Moroz returns to share an update on our global equity strategy. We dig into what's changed since Paul resumed the lead portfolio manager role, how the team's collaboration has evolved, and why a more diversified and resilient portfolio is the result. Listen for Paul's take on why optionality and humility matter more than ever.  Key highlights:  Enhanced team collaboration through structural changes leading to better cross-team idea generation  Improved portfolio diversification with holdings expanding to over 70 securities: reduction of consumer staples and discretionary overweights, while adding strategic small positions that provide optionality for rapid capital allocation as markets shift  Fundamental momentum alignment improved by reducing problem positions and increasing strong earnings momentum names, resulting in better down capture characteristics during market declines  Strategic AI complex exposure built through diversified Asian infrastructure plays in memory, power, data centers, and chip fabrication, targeting high market share businesses with better risk-adjusted returns  Comprehensive IT sector review underway to identify opportunities in potentially mispriced software companies  Portfolio repositioning complete with approximately 19% turnover executed to create a more balanced, diversified portfolio aligned with the platform's investment philosophy: designed for resilience across market regimes    Host: Rob Campbell, CFA – Institutional Portfolio Manager Guest: Paul Moroz, CFA – Portfolio Manager   This episode is available for download anywhere you get your podcasts. Founded in 1974, Mawer Investment Management Ltd. (pronounced "more") is a privately owned independent investment firm managing assets for institutional and individual investors. Mawer employs over 250 people in Canada, U.S., and Singapore.  Visit Mawer at https://www.mawer.com. Follow us on social:  LinkedIn - https://www.linkedin.com/company/mawer-investment-management/ Instagram - https://www.instagram.com/mawerinvestmentmanagement/

In this episode of Behind the Wealth, Roger and Elias unpack two hot topics for retirees and pre-retirees: why some Baby Boomers may be off track for retirement — and how to decide the right time to claim Social Security. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Welcome back to The Cashflow Project! In this episode, we chat with Ben Mohr, founder and CEO of Ben Mohr LLC, about a unique and often overlooked investment strategy—life settlements. With decades of experience in retirement and income planning, Ben explains how life settlements provide diversification beyond market cycles and real estate, offering stability and strong returns. He shares his journey from broadcast journalism to financial advising, revealing how life settlements help both seniors seeking liquidity and investors seeking alternative assets. If you're ready to explore new ways to build cash flow while making an impact, this episode is a must-listen. [00:00] "Real Estate & Financial Freedom" [04:19] Understanding Life Settlements [08:47] "Compound Interest Rate Analysis" [12:44] Life Settlements: Transparency Challenges [13:46] Comprehensive Personal History Insights [18:35] Policy Negotiation Challenges [22:42] Policy Agreement and Tracking Process [23:13] Social Media and Death Verification [29:06] "Quality of Life Priorities" [29:47] "Long-Term Care Misconceptions" [34:26] Liquidity Challenges and Capital Solutions [36:03] "Free Insurance, Money Returned" [39:19] "Life Asset Investment Basics" [43:33] "Must-Read for Life Understanding" [47:34] Growth Through Hardship [50:11] "Self-Honesty Is Everything" [55:05] "Investing Opportunities & Community Connections" [55:53] "Next Episode Coming Soon" Connect with Ben Mohr! Website LinkedIn Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

When one stream of income slows down, how do you keep your business moving forward? For a lot of entrepreneurs, the answer is diversification.In this Small Business Byte on This is Small Business, host Andrea Marquez unpacks how building multiple revenue streams can help you reduce risk and keep growing without spreading yourself too thin. You'll hear how Blake Shook of Desert Creek Honey diversified within beekeeping to weather unpredictable harvests, how Angus Willows of Kangaroo Hanger started a side hustle to fund his invention, and how Zoya Biglary of Fysh Foods leaned into content creation to keep her mission alive. Plus, professor Dr. Matt Rutherford shares why diversification can be a smart way to ride out the ups and downs of entrepreneurship.And quick update: we're going biweekly for a little while as we put together the next season of This is Small Business — there's a lot of exciting stuff coming your way!In the meantime, what's one new revenue stream you'll try? Share it with us in a Spotify comment, Apple Podcasts review, or email it to us at Thisissmallbusiness@amazon.com. Doing that will not only hold you accountable but could also inspire another entrepreneur to take their next big step.Sources:If you want to hear Dr. Matt Rutherford discuss risk and diversification, listen to his episode here: Redefining Risk: A New Way to Make Bold MovesIf you want to know more about Desert Creek Honey, listen to Blake Shook's story here: FromBee Stings to Big Wins: How One Teen Turned a Backyard Hive into a Thriving Business - This is Small BusinessIf you want to know more about Kangaroo Hanger, listen to Angus Willows's story here: How a Serial Entrepreneur Launched a Business from His Dorm Room - This is Small BusinessIf you want to know more about Fysh Foods, listen to Zoya Biglary's story here: How Zoya Biglary Became the Internet's Fruit Peeler to Fund her Business - This is Small Business

Stocks hit record highs Monday on hopes for a trade deal with China. The Fed begins meeting today and investors await consumer confidence and earnings from Visa and United Health.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With Europe's valuations looking attractive and the euro undervalued, Morgan Stanley sees European equities outperforming U.S. markets in 2026. The experts from “Henssler Money Talks” examine that outlook, discuss ways to gain exposure to Europe, and consider how global diversification fits into a well-rounded portfolio.Original Air Date: October 25, 2025Read the Article: https://www.henssler.com/europe-in-your-portfolio-trends-risks-and-opportunities   

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mowbray and Cherina Rowand.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mowbray and Cherina Rowand.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mowbray and Cherina Rowand.

This week offers something for everyone including a Fed meeting, five mega cap reports, and China trade talks. Mega cap results might have the most impact, with expectations high.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Les ETF attirent de plus en plus d'investisseurs particuliers. Mais quel outil utiliser pour investir dans des ETF ? Le PEA est-il le meilleur support ?Gaëtan Delculée est Directeur Monde de la distribution digitale et des ventes ETF chez Amundi. Au micro de Matthieu Stefani, il nous explique pourquoi et comment investir dans des ETF via un PEA.Découvrez :Les avantages des ETFLes frais liés aux ETFLes atouts du PEA pour investirLes risques à éviter lorsqu'on investit dans des ETFL'importance de la diversification et du long termeRéférences :ETF indicielPlan d'Épargne en Actions (PEA)AmundiCAC40S&P 500NASDAQ 100MSCI WorldLa Martingale est un média podcast et vidéo d'‪@orsomedia‬ qui parle d'argent, mais pas que. Finances personnelles, investissement, épargne, patrimoine - tous les sujets sont abordés sans tabous pour aider chacun à y voir plus clair dans la gestion de ses actifs. Si l'épisode vous a plu, retrouvez La Martingale sur :Instagram : / lamartingalepodcastLinkedIn : / lamartingalepodcast TikTok : / lamartingale_media X : https://x.com/MartingaleLaNotre site : https://lamartingale.ioNotre Linktr.ee : https://linktr.ee/lamartingale_mediaPour en savoir plus sur Amundi, rdv sur amundi.frHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode of ThimbleberryU, we dive into the hype and misinformation around Treasury bills (T-bills) that's been circulating across social media platforms. We've all seen the claims: “risk-free,” “better than savings accounts,” “Warren Buffett approved,” and “perfect for retirement.” But are they really that simple?  Amy Walls from Thimbleberry Financial breaks down what's true, what's misleading, and what actually matters when it comes to investing in T-bills.We start by clarifying what T-bills actually are—short-term loans to the U.S. government, ranging from four weeks to a year. You buy them at a discount, and the difference between the purchase price and the face value at maturity is the interest you earn. While social media often touts them as risk-free, we explore why that's only partially true. T-bills carry almost no credit risk, but they do carry inflation risk—if inflation outpaces your return, you're effectively losing money.Next, we tackle the common claim that T-bills always outperform savings accounts and CDs. In some market conditions, that's accurate—especially since T-bills are exempt from state and local taxes—but not always. High-yield savings accounts or promotional CDs can sometimes be more competitive. The idea of “guaranteed returns” is also addressed; while T-bills pay a set amount, they don't roll over automatically, which means you need to be actively involved to maintain any momentum.We also discuss the often-referenced Warren Buffett angle. Yes, Buffett uses T-bills—but only as a parking lot for cash while waiting on bigger investment opportunities. He doesn't treat them as a core piece of his long-term strategy, and neither should the average investor without considering context and goals.When it comes to retirement planning, T-bills can be part of the equation—but they aren't universally ideal. They work for retirees focused on capital preservation, but younger investors risk missing out on growth if they lean too heavily on T-bills. We emphasize that T-bills are a tool, not a one-size-fits-all solution.  Again, diversification of investments is key.The takeaway is clear: T-bills can serve a purpose—whether as a component of a cash reserve or a conservative bond alternative—but only when used with intention and in alignment with a broader financial strategy. Social media often oversimplifies investments for the sake of attention. We encourage listeners to approach these decisions thoughtfully and critically.00:00 – Introduction & T-Bill Hype on Social Media00:47 – What Are T-Bills, Really?01:46 – Are T-Bills Risk-Free?03:00 – T-Bills vs. Savings Accounts and CDs03:53 – “Guaranteed Returns” – Fact or Fiction?05:08 – The Warren Buffett Argument06:00 – Are T-Bills Good for Retirement?07:13 – Using T-Bills Strategically08:43 – The Real Lesson on Financial Tools09:25 – How to Connect with Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

What if the next 10 years bring just 3% returns from the S&P 500?In this episode, we turn that forecast into a real-world retirement plan—not panic. You'll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets.Listen as Ari and James break down:Sequence-of-returns risk — why bad early years hurt more than bad averages.The modern 4% rule — how to use it as a guardrail, not a guarantee.Diversification that actually works — adding small caps, value, international, and bonds to reduce risk from overexposed tech-heavy portfolios.Tax-smart moves — Roth conversions, cash buffers, and dynamic withdrawal rules that adapt to changing markets.Whether you're planning to retire early or just want peace of mind through an uncertain decade, this guide gives you a clear, flexible framework—so your lifestyle isn't dictated by Wall Street's forecasts.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

What if the next 10 years bring just 3% returns from the S&P 500?In this episode, we turn that forecast into a real-world retirement plan—not panic. You'll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets.Listen as James and Ari break down:Sequence-of-returns risk — why bad early years hurt more than bad averages.The modern 4% rule — how to use it as a guardrail, not a guarantee.Diversification that actually works — adding small caps, value, international, and bonds to reduce risk from overexposed tech-heavy portfolios.Tax-smart moves — Roth conversions, cash buffers, and dynamic withdrawal rules that adapt to changing markets.Whether you're planning to retire early or just want peace of mind through an uncertain decade, this guide gives you a clear, flexible framework—so your lifestyle isn't dictated by Wall Street's forecasts.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!