Podcasts about financial planning

Technology continues to shape both the markets and the investment landscape. We begin with a look at the week's biggest headlines—from Apple's new leasing strategy and a strong earnings season to renewed pressure on global semiconductor stocks. After the break, we discuss one of the most common challenges investors face: balancing competing priorities like income, growth, downside protection, and liquidity. We look at the tradeoffs behind every investment decision, why you can't compare your portfolio to the benchmark, and your asset allocation really needs to start with your financial plan.Finally, we talk about several high-profile prediction market cases and what they reveal about market integrity, manipulation, and the value of information.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks August 1, 2026  |  Season 40, Episode 31Timestamps and Chapters5:44: Market Roundup: AI, Apple, and the Chip Race37:12: You Can't Have It All: Investment Tradeoffs51:37: Can Prediction Markets Be Manipulated?Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

Three genuinely sharp financial minds sit down today and, one by one, admit to the same kind of dumb money moves everyone else makes. Not because they didn't know better. Because knowing better and doing better turn out to be two completely different skills, and your brain is very good at making bad ideas feel reasonable in the moment. This episode isn't about learning new investment tactics. It's about learning to recognize the exact moment your own mind starts working against you, and what to do about it before it costs you.What You'll Walk Away WithThe three specific flavors of overconfidence that combine into what one expert calls "a recipe for disaster"Why "I'll wait until it comes back" is one of the most dangerous sentences an investor can say to themselves, and when it's actually trueThe surprising reason financially literate people still make emotional money mistakes, according to research on an unrelated professionA simple writing exercise that makes you far more likely to stick to your own financial planWhy betting on what's familiar, your employer's stock, your home country's market, is quietly one of the riskiest things you can doA martial-arts-inspired mental trick for turning your own biases into tools instead of trapsThe real reason "this time is different" almost always feels true and is almost always the wrong conclusion to act onWhy This Matters NowIn your 40s, you've likely made enough financial decisions to have a track record, some smart, some you'd rather not revisit. The goal isn't to eliminate emotion from money; that's not realistic, and it's not even the point. It's to recognize the specific moments your gut is about to overrule your plan, and to have something in place, a rule, a person, a system, that catches you before it does. Confidence with money doesn't come from never being tempted to make a bad call. It comes from knowing exactly what you'll do when you are.From the BasementThe crew's year-long trivia championship takes a wild turn with a Spanish treasure fleet question that somehow ends in someone getting bonus points for pure luck, which is a fittingly ironic way to close an episode all about how bad we are at judging our own luck.Resources MentionedThe Behavioral Investor by Daniel Crosby — second edition available for preorderAfford Anything podcast — Paula Pant's showPersonal Finance for Long-Term Investors podcast — Jesse Cramer's showSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This month, Peter and Jeff dig into the AI question everyone's arguing about: Is this the internet in 1996 or the internet in 1999? They get into how the winners and losers may shake out, what AI could actually do to the broader economy and why oil prices are swinging. Plus, get their tip of the month. Twelve minutes, straight down the middle.  Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips!   Important Legal Disclosure: creativeplanning.com/important-disclosure-information/   Have questions or topic suggestions?  Email us @ podcasts@creativeplanning.com

Are you on track financially, or is it time for a mid-year course correction? In this episode, we walk through a comprehensive mid-year financial checklist designed to help investors and retirees prepare for the second half of the year. We'll discuss whether your portfolio allocation still matches your goals, why sector rotation matters, realistic expectations for investment returns, and the importance of updating retirement income plans. We also cover mid-year tax projections, Roth conversion strategies (including the often-overlooked downsides), charitable giving techniques, insurance reviews, and why knowing what your money is actually for may be the most important financial planning decision you make. We'll also touch on labor market trends, including what high-paying employers like Buc-ee's tell us about today's economy, and the growing role of AI and robot teachers in education. Whether you're planning for retirement, reducing taxes, reviewing insurance coverage, or refining your investment strategy, this checklist can help you finish the year on stronger financial footing. 0:00 INTRO 0:20 - Lettuce Memes, Future Shock, Bad Architecture, & Tiny Towns 7:12 - Market Frustrations & Sector Rotations 10:01 - Is Your Allocation Right for You? 13:25 - Robot Teachers in New York 15:11 - What Your Money is For... 16:37 - Expectations for Returns 20:36 - What You Can Make at Buc-cee's 22:29 - Mid-year Tax Projections 26:39 - Retirement Income Update, Charitable Intent & Micro-budgeting 30:02 - Charitable Remainder Trust 33:43 - Putting together a strategy for charitable giving 37:16 - The "Alt Side" of the Roth Conversion 41:06 - Insurance Review 42:44 - Savvy Social Security DLS Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2oESMTD2Cqg?feature=share ------- Watch our previous show, "Hyperscaler Credit: Warning or Opportunity?" https://youtube.com/live/lsx5FwAF_mQ -------- Watch today's "Before the Bell" premarket commentary, "Markets Consolidate as Sector Rotation Strengthens," https://youtu.be/pG8vxTC6oco ------- Watch our previous show, "7-30-26 Hyperscaler Credit: Warning or Opportunity?" https://youtube.com/live/lsx5FwAF_mQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #RetirementPlanning #Investing #TaxPlanning #WealthManagement

Building wealth is about much more than saving money or investing in the stock market. In this conversation, Loral Langemeier shares the wealth building strategy that has guided thousands of entrepreneurs toward greater financial success through business ownership, mentorship and strategic planning.She explains why many people unknowingly overpay taxes, why traditional financial advice often leaves important gaps, and how integrating experts such as CPAs, attorneys and financial professionals creates a stronger wealth building strategy than relying on disconnected advisors.Loral also discusses the importance of creating a business, monetizing your expertise, building the skills to generate cash flow and surrounding yourself with experienced mentors as your wealth building strategy focused on making money, investing wisely and building long-term wealth.Loral's Takeaways:Introduction and Overview of Laurel Langemeier (00:00)Laurel's Career Journey and Achievements (02:28)The Big Table and Millionaire Maker Program (04:37)Integrated Wealth Systems and Financial Strategy (08:24)Entrepreneurship vs. Corporate Life (18:47)Tax Strategy and Financial Planning (21:49)Practical Steps for Building Wealth (23:28)The Millionaire Intensive Program (24:14)Conclusion and Call to Action (27:15)Meet Loral Langemeier:Loral Langemeier is a money expert, sought-after speaker, entrepreneurial thought leader, and best-selling author of five books.Her goal: to change the conversations people have about money worldwide and empower people to become millionaires.The CEO and Founder of Live Out Loud, Inc. – a multinational organization — Loral relentlessly and candidly shares her best advice without hesitation or apology. What sets her apart from other wealth experts is her innate ability to recognize and acknowledge the skills & talents of people, inspiring them to generate wealth.She has created, nurtured, and perfected a 3-5 year strategy to make millions for the “Average Jill and Joe.” To date, she and her team have served thousands of individuals worldwide and created hundreds of millionaires through wealth-building education keynotes, workshops, products, events, programs, and coaching services.Loral is truly dedicated to helping men and women, from all walks of life, to become millionaires AND be able to enjoy time with their families.She is living proof that anyone can have the life of their dreams through hard work, persistence, and getting things done in the face of opposition. As a single mother of two children, she is redefining the possibility for women to have it all and raise their children in an entrepreneurial and financially literate environment.Links and Resources:Ask Loral App: https://apple.co/3eIgGcXLoral on Facebook: https://www.facebook.com/askloral/Loral on YouTube: https://www.youtube.com/user/lorallive/videosLoral on LinkedIn: https://www.linkedin.com/in/lorallangemeier/Money Rules: https://integratedwealthsystems.com/money-rules/Millionaire Maker Store: https://millionairemakerstore.com/Real Money Talks Podcast: https://integratedwealthsystems.com/podcast/Integrated Wealth Systems: https://integratedwealthsystems.com/Affiliate Sign-Up: https://integratedwealthsystems.com/affiliatesThanks for listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have some feedback or questions about this episode? Leave a comment in the section below!Subscribe to the podcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on iTunes or Stitcher. You can also subscribe from the podcast app on your mobile device.Leave us an iTunes reviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on iTunes, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on iTunes.

Homeowners insurance prices are up a whopping 24% since 2022. One in seven homeowners now has no insurance at all. In some parts of the country, companies aren't just raising rates -- they're refusing to write policies. Bob Litterman co-created the Black-Litterman model that the financial industry still uses to price risk, spent 23 years running risk at Goldman Sachs, and now chairs the Coalition for an Insurable Future. He joins Joe and OG on a special Thursday episode to explain what's actually happening, why it's not going to stop, and what you can do about it right now.What You'll Walk Away WithWhy the insurance market breaks down when probabilities stop being stable -- and how billion-dollar weather events went from three per year in the 1980s to 23 per year todayThe domino chain: how rising insurance costs in one ZIP code can drive down home values, freeze bank lending, shrink local businesses, and quietly hollow out an entire communityWhy this isn't 2008 -- and the one important way it's actually worse than what the mortgage crisis taught usWhy one in seven homeowners now carries no insurance at all -- and what that means for the next major weather eventThe 100-year flood problem: why homes built to withstand a once-in-a-century event are now getting hit every five to ten yearsWhat first-time homebuyers should ask that their realtor almost certainly won't bring up -- and why the insurance question is now as important as the mortgage rateHow to actually read your renewal letter: what to look for beyond the premium, what hidden changes insurance companies are legally required to disclose, and why your deductible may have quietly doubledOG's Claude trick: how he uploaded both his old and new policy documents, asked for the differences, and found actionable savings plus a jewelry rider gap he didn't know he hadWhy Bob says the real mispricing isn't in the insurance market -- it's in the pollution market -- and what that means for how this eventually gets resolvedThe risk management reframe: why thinking about insurance is the wrong starting point, and what to think about insteadWhy This Matters NowThis isn't an inflation blip. The risk is genuinely increasing, the models are being rewritten in real time, and the insurance companies pulling out of markets are the canary in the coal mine. The good news: there are specific things you can do right now -- at your house, with your policy, and in how you think about risk -- that most homeowners haven't done yet.From the BasementBob Litterman joins Joe and OG on a special Thursday episode to walk through the home insurance crisis from the inside -- the pricing models, the domino chain, the reinsurance squeeze, and the difference between a tail event and the slow-moving sea level rise underneath it. OG's takeaway: upload both your old and new policy to Claude and ask it to find the differences before your next renewal. Doug arrives with flood insurance trivia tied directly to the episode content. The Coalition for an Insurable Future, a nonpartisan cross-industry group, made this episode possible. Stacking Benjamins received compensation for this episode.Resources MentionedCoalition for an Insurable Future -- nonpartisan cross-industry group on climate and insurance risk; coalitionforaninsurablefuture.comBlack-Litterman Model -- referenced for Bob Litterman's background in risk pricingClimate Central -- tracks billion-dollar weather events annually; climatecentral.orgNational Flood Insurance Program -- referenced for the 1968 government backstop for flood risk; floodsmart.govSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Odds are good that part of your paycheck disappears into an account with the Fidelity name on it every two weeks. Almost nobody stops to ask who's actually on the other end of that relationship. The answer isn't a faceless Wall Street institution, it's one family that has quietly controlled a $15 trillion company for three generations, through boardroom near-mutinies, a succession fight that almost ended in the company being sold, and enough family drama to fill a book. It did, actually. Wall Street Journal reporter Justin Baer spent years uncovering it, and today he brings the whole story down to the basement.What You'll Walk Away WithWhy one of the biggest financial companies in America has never had a single outside shareholder, and what that's actually protected them fromThe surprisingly personal origin story behind Fidelity's founder, and the market-crash lesson that shaped the entire company's philosophyWhy Fidelity almost missed the money market fund revolution, and the workaround that changed how everyday people access their cashThe near-sale that almost happened in 2005, and how close the company came to becoming something completely differentWhy checking your 401k balance more often might actually be good for your financial decision-making, according to Fidelity's own researchHow a family succession battle nearly pushed the current CEO out of the business entirelyA useful mental gut-check for figuring out how much of your "checking account cushion" should actually count as part of your emergency fundWhy This Matters NowIf you're in your 40s, there's a good chance you've had a relationship with Fidelity, Vanguard, or a similar company for two decades without ever really knowing how they work or who's behind them. That's not a knock on you, it's just how most financial relationships start: automatically, through a job, without much choice involved. Understanding the incentives and history behind the company holding your retirement money doesn't change your investing strategy overnight, but it does replace a vague, faceless trust with something more informed, and informed trust is a lot more durable than blind trust.From the BasementA conversation about $189 average dates turns into a surprisingly sharp point about not overspending to impress someone before you even know if it's a match, in relationships or business. And a basement community note about "hidden" emergency funds sitting in checking accounts sparks a genuinely useful reframe worth stealing for your own budget.Resources MentionedHouse of Fidelity: The Rise of the Johnson Dynasty and the Company That Changed American Investing — Justin Baer's book on the Johnson family and Fidelity's historyField Kit Finance — the all-in-one net worth, budgeting, and credit tracking tool mentioned in the sponsor breakSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if budgeting wasn't about restriction, but about giving every dollar a purpose? This week, Roger sits down with Jesse Mecham, founder of YNAB (You Need A Budget), to discuss the power of intentionality with money. Together, they explore how asking one simple question, "What is this money for?" can reduce financial stress, improve decision-making, and help align your spending with the life you want to create. Roger also answers listener questions on rebalancing retirement portfolios, qualified dividends, supporting adult children, calculating net worth, and whether financial planners have financial planners of their own.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces this week's conversation on intentionality with money, previews his interview with Jesse Mecham, and shares updates on the August replay schedule and upcoming Social Security series.RETIREMENT TOOLKIT FEATURING JESSE MECHAM(03:06) Roger sits down with Jesse Mecham, founder of YNAB, to discuss how approaching money with intention instead of restriction can reduce financial worry and help you align your spending with what matters most. LISTENER QUESTIONS(38:47) Christine asks about rebalancing her retirement portfolio.(43:00) Peter asks about qualified and ordinary dividends.(47:28) Paul asks about supporting adult children financially.(56:05) Ron asks whether future taxes should be considered when calculating net worth (58:38) Lisa wonders whether financial planners have financial planners of their own.SMART SPRINT(01:01:55) Reflect on how intentional you are with your money and consider reading Jesse Mecham's book, Never Worry About Money Again, to help align your spending with the life you want to create.CLOSING THOUGHT(01:03:23) Roger reflects on the summer goals he set earlier in the year and encourages you to revisit your own intentions before the season ends. REFERENCESNever Worry About Money Again by Jesse MechamYNAB (You Need A Budget)Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

The assumptions that shaped the last 40 years of investing may not hold for the next 40.The world is becoming more complex. U.S. dominance is shifting, while major changes in energy, technology, and demographics are creating new risks and opportunities that many financial plans aren't prepared for.The challenge for financial advisors isn't getting more information. It's cutting through the noise, finding the signals that actually matter, and helping clients avoid short-term decisions based on the latest headline.I'm excited to be talking with geopolitical analyst Jacob Shapiro to unpack the four forces he believes will reshape markets, portfolios, and financial planning in the years ahead.We also explore where advisors may be carrying more risk than they realize, why some of the best opportunities may exist outside the United States, and how to think more clearly about what's coming next.3 Insights From This Week's Episode…#1.) The Four Forces Advisors Can't Afford To IgnoreThe shift toward a multipolar world is happening alongside major changes in energy, technology, and demographics. Jacob explores why these forces matter for financial advisors and how they could challenge assumptions that have guided portfolios and financial plans for decades.#2.) More Information Can Lead To Worse DecisionsAdvisors and clients have access to an endless stream of headlines, opinions, and predictions. We discuss why reacting to all that noise can distort how people understand risk and why the most important signals are often hiding beneath the story dominating the news.#3.) Are Advisors Too Focused On Avoiding Losses?Clients remember losses more than gains, which can quietly push advisors toward overly cautious decisions. Jacob examines the tension between protecting what clients have and helping them participate in the opportunities created by a more volatile world.Triad Sales LabWant to turn more great prospects into lifelong clients? Triad Sales Lab helps advisors use simple visual models to communicate more clearly, strengthen appointments, and improve the way they present their process. Learn more and apply below.https://bradleyjohnson.com/174-triad-sales-lab/SHOW NOTEShttps://bradleyjohnson.com/179FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265768485See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Will AI eventually replace human financial advisors? Evan shares how a client recently used ChatGPT to learn about their financial plan and prepare for a more productive meeting. Evan explains the difference between using AI to make investment decisions for you and using it as a tool to become a more confident investor. Listen along as Evan brings in an article that explains the biases and weaknesses of AI and discusses why technology can provide information but cannot ask the right questions, care about your goals, or help you connect your money to its true purpose.  Later in the episode, Evan shares the 20 questions confident investors are able to answer and why understanding your true purpose for money is about more than just your financial well-being but also your mental health and physical health.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Investing involves risk, including the possible loss of principal. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

There are three words that quietly end up costing more than almost any bad investment: "he handles it." Not because delegating is wrong, but because somewhere between division of labor and total disengagement, a line gets crossed that most couples never notice until a crisis forces them to. This episode is about that line, and about the less obvious ways money stress shows up when it's not just a spreadsheet problem, it's a physical one. Jill Schlesinger and Kristy Talorico both join the show, and each brings something you didn't know you needed to hear.What You'll Walk Away WithThe real difference between splitting responsibilities and losing all visibility into your own financial lifeA simple, low-stakes way to start a money conversation with a partner who's checked out, without triggering defensivenessWhy financial advisors dread meeting a client's "uninvolved" spouse for the first time after a deathWhat actually happens to your financial life if your money-handling spouse suddenly can't do it anymoreHow financial stress physically changes your body, according to a major new health studyWhy the standard advice to "just put more in your 401k" completely misses people who are financially struggling right nowThe surprising first place financial counselors suggest looking before you take out any kind of loanA behind-the-scenes look at how employers are (and aren't) using workplace benefits to actually help peopleWhy This Matters NowIn your 40s, you're often the connective tissue for your whole household's financial life, sometimes for a spouse, sometimes for aging parents, sometimes for kids just starting out. It's easy to assume that as long as someone in the relationship understands the money, everyone's fine. But real financial confidence means everyone involved has at least a working map of where things stand. This episode isn't about becoming an expert. It's about making sure "I don't really know" is never the answer when it matters most.From the BasementDoug's trivia question drags in an unexpected lesson about knowing what things actually mean, not just recognizing the name, which somehow ties together German car history and financial literacy in the same segment. Basement logic, but it works.Resources MentionedMoney Moves with Jill Schlesinger — Jill's new podcast with Mark TalercioJill on Money podcast — Jill Schlesinger's long-running personal finance show"The Most Dangerous Words I Hear From Married Couples: 'He Handles It'" — the Kiplinger piece referenced in the episodeBrightside Financial Care — Kristy Talorico's company, financial care benefits for employersFindhelp.org — the free navigation tool for local financial and hardship resourcesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Retirement may be the biggest trip of your life—but have you planned the journey or are you hoping everything works out when you arrive? In this episode, Brandon Bowen explains why retirement planning requires more than simply reaching a savings goal. The conversation covers Social Security timing, tax strategies, investment allocation, retirement income planning, and common blind spots that can catch retirees off guard. Learn how having a well-defined retirement roadmap can help you evaluate key decisions before leaving the workforce and why preparation often matters as much as the destination itself. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Joel from Jacaranda Financial Planning joins John Stanley to explain how you can maximize your savings and ensure you have enough super for your retirement. Joel answers your questions on 2GB/4BC Nights every Tuesday night. Listen to John Stanley live on air from 8pm Monday to Thursday on 2GB Sydney and 4BC BrisbaneSee omnystudio.com/listener for privacy information.

What if the most overlooked retirement tool is making a comeback just when uncertainty has retirees on edge? Steve Anzuoni explains why more advisors are turning to annuities as part of retirement income planning and discusses the importance of steady cash flow, avoiding emotional investment decisions, and creating a written retirement strategy. He also explores why many retirees regret waiting too long to plan and how unexpected life events can force an earlier retirement than expected. The conversation focuses on building income sources, protecting confidence during market volatility, and giving every dollar a clear purpose. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

There's a new bill in Washington that sounds like a fix but is really just a promise to eventually have a debate about one. That's not why this episode matters. What matters is that Social Security is suddenly everywhere in the headlines, and if you've been putting off understanding how your own claiming decision actually works, that's a gap that gets more expensive the longer it sits. This episode is the one to finally close it. No single mistake, no one hot take, just a real walkthrough of the claiming ages, the spousal rules, the survivor benefits, and the myths that trip people up most, so you can stop guessing and start deciding with confidence.What You'll Walk Away WithWhy the "estimated benefit" number on your Social Security account can be wildly wrong, especially if you're not planning to work until 67The real reason waiting until 70 pays off, and why it has almost nothing to do with growthA subtle, surprisingly common mistake that can quietly wreck a smart claiming strategy years after you made itWhat actually happens to your benefit if your spouse passes away first, and how remarriage timing can change everythingWhy the industries where workers never pay into Social Security create a completely different retirement mathThe dollar threshold that can force you to pay back benefits you already claimedA 2024 rule change that may directly affect certain public employees and hasn't gotten nearly enough attentionWhy raising the retirement age matters a lot less than people assume, depending on how you actually want to retireHow a totally different tax, the Medicare surcharge, quietly rides along with your Social Security decisionsA quick true-or-false round that separates Social Security fact from the myths everyone repeatsWhy This Matters NowIf you're in your 40s, Social Security can feel like something to figure out later, right up until a headline makes it feel urgent and confusing at the same time. The truth is, you don't need to predict what Congress will do. You need to understand the mechanics that are already in your control: when you claim, how you and a spouse coordinate, and how your own work history shapes the number. Get that right, and you turn a source of money stress into one less thing you have to worry about, freeing up mental space for the parts of your financial life you actually want to think about, like the next trip, not the next committee hearing.From the BasementDoug tests his trivia chops with a game built to separate fact from political fantasy, and OG gets fired up about something that has absolutely nothing to do with retirement, and everything to do with golf tickets. It's the reminder that even a deep dive into claiming strategy still comes with a little basement chaos along the way.Resources MentionedThe PROMISE Act, explained — CNBC's breakdown of the bipartisan bill and the 2032 trust fund deadlineCreate your SSA.gov account — check your earnings history and benefit estimateid.me login for SSA.gov — the identity verification step for your Social Security accountThe Walt Disney Company: Walt's Era — Acquired podcast — the four-hour deep dive Doug referenced on Disney, Oswald the Rabbit, and protecting your nameStacking Benjamins Guides - Scout + a quick and easy checklist are just two of the reasons these complete reference tools are your top choice to manage your HR Benefits, your taxes, or college planning.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 the Secure Your Retirement Podcast, Radon and Murs discuss Trump Accounts with Taylor Wolverton, our Director of Financial Planning and Tax Strategy, breaking down exactly how do Trump Accounts work, who qualifies, and why this new option for Trump Investments is quickly becoming part of the conversation around saving for children and investing for grandchildren. Retirement planning has always started with the accounts you already know, but these works differently, and if you're building a family financial planning strategy or looking for financial gifts for grandchildren, it's worth understanding before you decide whether it belongs in your plan.Listen in to learn about the eligibility rules, the contribution limits, and the one-time $1,000 government deposit that applies to certain children. Radon and Murs also walk through a Roth conversion strategy hiding inside these accounts, one that turns a simple child investment plan into a genuine tool for building generational wealth. Whether you're deep into your own retirement tax planning or just starting to think about a retirement checklist for your family, this episode connects a brand-new account to the same retirement tax strategies you may already be using in your own retirement financial plan.In this episode, find out:What a Trump Account is, who's eligible, and how the application process actually worksThe contribution rules, including the $5,000 annual limit and the one-time $1,000 seed deposit for eligible childrenHow employer contributions work and why they don't add to your taxable incomeThe Roth conversion strategy that can turn contributions into a tax-free retirement account for your childWhen money can be withdrawn, and the penalties to know about before that ageTweetable Quotes:"There's zero money to us in setting up a Trump account. We just wanted to talk it through, because there are real benefits people can take advantage of." - Radon Stancil"There's not many ways you can get a thousand dollars tax-free. If someone was born between 2025 and 2028, it seems like a no-brainer." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Big Tech continues to post record earnings, but investors may be overlooking one critical risk: AI capital spending. Lance Roberts explains why today's AI spending boom could become tomorrow's accounting headwind, how depreciation affects corporate profitability, and why investors should look beyond headline earnings. 0:00 INTRO 1:01 - Elon Musk, former Trillionaire & Another Iran Cease-fire 5:34 - Markets Set to Open Sharply Higher 10:59 - Shopping w Mrs. Roberts & Back to College 13:09 - AI Depreciation Risk Impact on Earnings 16:40 - Valuations on EBITDA 19:11 - Hyperscalers' 2026 Estimates 20:25 - Focusing on Free Cash Flow--why?? 23:25 - Markets Have Already Priced-in Depreciation 25:20 - How to Best Evaluated Companies 27:38 - Are US Treasuries a Safe Asset? 33:34 - What Happens if Foreign Demand for Dollars Goes to Zero? 38:00 - The Only Thing that Matters: Duration 41:03 - Change in Duration is Not a Credit Event 42:37 - Why Buy US Treasuries? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5lrbGjrxvQY ------- Articles mentioned in this report: "AI Capex Depreciation Risk Is The Catch To Record Earnings" https://realinvestmentadvice.com/resources/blog/ai-capex-depreciation-risk-is-the-catch-to-record-earnings/ "Are US Treasuries Still A Safe Asset?" https://realinvestmentadvice.com/resources/blog/are-us-treasuries-still-a-safe-asset-copy/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Bounce as Oil Retreats" https://youtu.be/-32Zu3-6gP8 ------- Watch our previous show, "Financial Fitness Friday - Trump Accounts: What Parents Need to Know" https://youtube.com/live/UGqEJxQ6Fls?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #Gold #TechnicalAnalysis #ArtificialIntelligence #BigTech #Investing #MarketAnalysis

Buying a home, building good credit, preparing for retirement, and navigating the markets all require looking beyond today's headlines. Shanna Squires of Henssler Mortgage Advisors joins us to explain what actually happens during the mortgage process — from pre-approval to closing — including why pre-approval may not always be what you can afford, why lenders ask for so much documentation, and how your mortgage lender should be working with you every step of the way  before getting the keys.After the break, we also explore the growing divide in consumer credit, as more Americans achieve top-tier credit scores while others struggle with record credit card balances and how it mirrors our K-shaped economy.We examine the changing realities of retirement as more Baby Boomers choose to upsize instead of downsize, reflecting a shift toward multigenerational living, entertaining, and homes designed to support aging in place.We close with a look at the latest earnings season, why investors are becoming more selective about companies' AI spending, and whether the other 493 companies in the S&P 500 can help broaden market leadership. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks July 25, 2026  |  Season 40, Episode 30Timestamps and Chapters6:36: Inside the Mortgage Process24:16: A Tale of Two Credit Economies33:41: Aging in Place—or Living Larger44:05: Investors Questioning AI SpendingFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

What if one decision could increase your retirement income for the rest of your life?  In this eye-opening episode of Smart Women Talk, Katana Abbott sits down with nationally recognized Social Security expert and Certified Financial Planner™ Mary Beth Franklin to help women understand one of the most important financial decisions they'll ever make—when to claim Social Security benefits.  From choosing the right claiming age to understanding special rules for married, divorced, and widowed women, Mary Beth explains how thoughtful planning can help maximize lifetime income while avoiding costly mistakes that could permanently reduce your benefits.  You'll discover:Why retirement and claiming Social Security are two separate decisionsHow your claiming age can dramatically affect your lifetime incomeSpecial claiming strategies for married, divorced, and widowed womenCommon Social Security mistakes—and how to avoid themHow to maximize survivor benefits for your familyImportant changes under the Social Security Fairness ActWhen a Social Security "do-over" may still be possible  Whether retirement is just around the corner or still years away, this conversation provides practical guidance every woman should understand before filing for benefits.  The decisions you make today could impact your retirement income for decades to come.  Mary Beth Franklin is a Certified Financial Planner™ professional, veteran financial journalist, and nationally recognized expert on Social Security, Medicare, and retirement income planning. Based in Washington, D.C., she has spent decades helping Americans make informed financial decisions through her writing, speaking, and educational programs. Mary Beth is a sought-after speaker on Social Security and Medicare, a former columnist for InvestmentNews, former Tax and Retirement Editor at Kiplinger Personal Finance, and former congressional correspondent for United Press International. She is also a frequent guest on radio and television programs and hosted the popular Retirement Repair Shop podcast for seven seasons.  To learn more about Mary Beth, visit www.marybethfranklin.com.Smart Women Talk Disclaimer:The information shared in this episode is intended for educational and informational purposes only and should not be considered financial, investment, tax, legal, Medicare, Social Security, or retirement planning advice. Every individual's circumstances are unique. Before making decisions regarding your investments, retirement income, or government benefits, please consult with qualified professionals who can provide guidance based on your personal goals and financial situation.

It might not be what you thought.

A former OpenAI researcher went on Diary of a CEO and said there's a 70% chance AI ends badly for humanity, told his wife they shouldn't have more children because they'd never enter the workforce, and gave up $2 million by refusing to sign a non-disparagement clause to say it publicly. Joe asks Paula Pant, OG, and Jesse Cramer to react -- not as AI experts, but as people who've watched the internet, robots, computers, and cars all supposedly end the economy, and as people who actually know what to do with your money when the world feels uncertain.What You'll Walk Away WithPaula's case for being a negative 10 on the worry scale: why 60% of jobs that exist today didn't exist in 1940, and why AI is more likely to create new categories of work than eliminate work entirelyJesse's case for a four: why knowledge is being commoditized the same way gasoline was -- and what that means if your competitive advantage has always been what you knowOG's framework for separating the parts of your job AI will gladly take from the parts it never will -- and why that distinction is more useful than panicking about either halfThe Jevons Paradox: why making something cheaper almost always creates more demand for it, not less -- and why that applies to patents, legal filings, and every other knowledge-work category people think AI will eliminateSafe, evolving, or replaced: the roundtable verdict on CPAs, software engineers, and customer service reps -- and the Capital One research that reveals why some people actually prefer talking to a machineWhy learning the AI tools right now -- even if you're 58 and four years from retirement -- is the modern equivalent of learning email in 1993JL Collins' line that applies to careers just as much as portfolios: flexibility is the only true securityShould you buy an AI sector fund? OG, Paula, and Jesse each answer -- and the answer that surprised everyone is probably not the one you'd expectWhy OG's Triple Bypass bike race analogy is the best career advice in the episode: if you're always ready, you never have to get readyThe window tax trivia that AI got spectacularly wrong -- proving, on an episode about AI taking all our jobs, that it can't even count windows yetWhy This Matters NowThe fear is real. The timeline is uncertain. And the people most likely to be okay are the ones who are building flexibility into their finances and their careers right now -- not because AI is definitely coming, but because it's always smart to be ready for the thing that might come.From the BasementPaula Pant, OG, and Jesse Cramer react to a former OpenAI researcher's apocalyptic Diary of a CEO interview -- and spend most of the episode arguing about whether to panic, which jobs survive, whether to buy the AI sector fund, and what OG's fighting robot would do to Jesse's house. Doug arrives with window tax trivia that AI generated incorrectly -- which Joe caught just before air -- and handing one of our contributors a huge win. Financial Action Month is coming next week: five episodes, a bingo sheet, and more to come.Resources MentionedDiary of a CEO -- Steven Bartlett interview with Daniel Kokotajlo, former OpenAI researcherTony Robbins interview with Ray Kurzweil -- referenced for additional AI perspective; linked at stackingbenjamins.comAfford Anything episode 693 -- Paula Pant interview with Dr. Ben Zweig on AI and the workforce; affordanything.com/episode693Personal Finance for Long-Term Investors (PFLTI) -- Jesse Cramer; upcoming AMA episode 19 and episode 150 personal AMAAnthropic Skill Jar -- free AI training; referenced by Paula for learning Claude featuresDelivering Happiness by Tony Hsieh -- referenced for the Zappos customer service modelOG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What are Trump Accounts, and could they reshape how families save and invest for the next generation? Richard Rosso & Jonathan McCarty break down how Trump Accounts work, who qualifies, how they're funded, the role of employers and charitable contributions, and how these new custodial accounts compare with traditional UGMA and UTMA accounts. We also discuss investment choices, withdrawal rules, inflation considerations, and the potential addition of publicly traded securities. Beyond the mechanics, we explore the broader goal of improving financial literacy, raising financially responsible children, and avoiding the financial planning mistakes that can undermine long-term wealth. Whether you're a parent, grandparent, financial advisor, or simply curious about this new savings concept, we'll explain what matters most—and what questions still need answers. 0:00 INTRO 0:19 - Sleep Training & Trump Accounts 5:07 - Creating Financial Literacy Lessons? 8:51 - Evolution of Trump Accounts - How are they funded? 12:54 - Allowing publicly traded securities in Trump Accounts 14:51 - Employers' Contributions (Michael Dell donation) 15:53 - Custodial Account Aspects 18:55 - Making the first withdrawal 21:15 - E-bikes & Mopeds (Better Off Dead) 23:38 - UGMA's, UTMA's vs Trump Accounts 25:26 - The choices in Trump Accounts? 28:09 - Indexing for Inflation? 29:41 - The process & custodial choices 32:03 - The Charitable Donation angle 33:24 - The Financial Education Milestones with Trump Account funds 38:26 - Raising Financially Viable Children 40:43 - Financial Planning Minefields 43:38 - Final Thoughts on Trump Accounts Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UGqEJxQ6Fls?feature=share ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Eye Earnings as Oil Lifts Yields" https://youtu.be/rWpYjR1_Cxs ------- Watch our previous show, "Why Investors Keep Chasing What's Hot" https://youtube.com/live/-ZZA_xtFZGg?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TrumpAccounts #FinancialPlanning #FinancialLiteracy #Investing #RetirementPlanning

Scott Barnes spent 25 years inside traditional financial planning before he realized the entire model was built on one assumption: that you will have children, and that the point of building wealth is to hand it over.Roughly 25% of US adults are childfree. There is no chapter in the financial planning curriculum for them. Not a module, not a paragraph.Scott is a advisor at Childfree Insights, working exclusively with childfree clients across all 50 states. He joins Wayne to unpack what actually changes when nobody is waiting at the end of the handover, and why it is a mechanical difference rather than a sensitivity one.In this episode:-Childfree vs childless, and why the planning conversation is different-The missing curriculum: why advisor training has nothing on clients without children-Why 80% of Childfree Wealth clients had never worked with an advisor before-Die with zero, and giving while you are alive instead of leaving it behind-The assets under management problem nobody talks about-Retiring before 60, the taxable brokerage bridge, Rule of 55 and 72(t)-Why power of attorney matters more than a will if you are childfree-The mistake of naming your own parents on your documents-Solo agers, long term care and the professional fiduciary-Pets, pet trusts and care documents-The gardener and the rose for childfree couples-Legacy as something you build today, not after you are goneIf this made you rethink what legacy means, share it with one person who needs to hear it.Learn more about Scott's work at Childfree Insights: https://childfreetrust.com/More from Journey to Legacy: https://journeytolegacy.org/Watch on YouTube: https://youtu.be/EUCigoc0FP4Subscribe for more conversations on building a legacy you actually get to see.

Ryan Hawk arrived at Miami University the day after high school graduation, with a plan to earn the starting quarterback job and make it to the NFL. Two years later, a 6'5" kid from somewhere in Ohio showed up and took the job away from him. That kid turned out to be Ben Roethlisberger. What Ryan did with that moment became the entire foundation of The Learning Leader podcast, one of the most respected leadership shows in the country, and his new book The Price of Becoming. He joins Joe and OG to talk about the habits, frameworks, and daily actions that compound into something exceptional -- and what to do when the plan doesn't survive contact with reality.What You'll Walk Away WithCoach Hepp's three-sentence leadership philosophy that Ryan has never forgotten: have a plan, work the plan, and plan for the unexpectedWhy being told "he gives us a better chance to win than you do" was the most valuable coaching Ryan ever received -- and what it teaches about adding value versus wanting creditThe imitate-then-innovate framework: why The Beatles were a cover band first, why Wayne Gretzky took handwritten notes watching players smaller than himself, and why copying the greats isn't theft -- it's the fastest path to finding your own voiceRyan's first draft pick for becoming exceptional: a five-to-ten minute nightly prompt exercise built around one Charlie Munger question that compounds like a great investmentWhy truth tellers -- people willing to look you in the eye and tell you what you need to hear rather than what you want to hear -- are the most underrated asset in any high performer's lifeThe superpower Ryan has found in every great leader he's interviewed across 11 years and hundreds of conversations: deep, specific curiosity -- and why it's the ultimate form of showing loveSweat more than you watch other people sweat: Scott Galloway's physical discipline framework applied to every area of lifeThe Brock Purdy late-round pick: why bringing a notebook to every meeting -- something almost no intern or young employee does -- is the single easiest way to stand out and learn fasterThe boomerang kids debate: why nearly half of Americans under 30 now live with a parent, when OG thinks it's a great idea, when he thinks you suck, and why it only works if there's a real plan with a real end dateJames from the community: how retiring at 52 let him become his daughter's bank in a hot real estate market -- loan document, market rate, free labor but zero say in the houseWhy This Matters NowThe gap between people who become exceptional and people who almost do isn't talent -- it's the daily actions they're willing to stack. This episode is the practical blueprint for what those actions actually look like.From the BasementRyan Hawk joins Joe and OG to talk about getting benched, the imitate-then-innovate path from cover band to original voice, and the five draft picks that build a great life -- including one that Joe immediately connects to hiding money from himself. The Wall Street Journal's piece on boomerang kids gives OG a platform to explain exactly when it's smart, when it's lazy, and why his kids should not take this as an invitation. Doug arrives with Cleveland trivia and the story of how a newspaper's cheap typesetting permanently changed the name of a major American city. James from the community sends a letter that makes OG quietly admit he was wrong about the appraisal.Resources MentionedThe Price of Becoming: The Compounding Practices of High Performance by Ryan Hawk -- available wherever books are soldThe Learning Leader podcast -- Ryan Hawk; available wherever you listen to podcasts; learningleader.comSteal Like an Artist by Austin Kleon -- referenced for the imitate-then-innovate frameworkSet for Life by Scott Trench -- referenced for Joe's kids; biggerpockets.comBroke Millennial by Erin Lowry -- referenced for Joe's kids; brokemillennial.comWall Street Journal -- "Living With Your Parents Is No Longer Viewed as a Failure to Launch" by Rebecca Picciotto and Nicholas G. MillerStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains why financial optimization should be measured by the life it enables rather than the dollars it saves and introduces the OODA Loop (Observe, Orient, Decide, Act) as a practical framework for evaluating trade-offs. Roger also answers listener questions about stepped-up cost basis after the death of a spouse, whether dividends can be used to fund an income floor, and when bonds versus CDs make sense in today's interest rate environment.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces today's discussion on balancing financial optimization with simplicity, previews upcoming episodes, and shares updates on the August replay schedule and September Social Security series.RETIREMENT TOOLKIT(02:31) Finding your "golden mean" between optimizing your retirement plan and keeping it simpleWhy retirement planning often overemphasizes financial optimizationThe difference between optimizing for money and optimizing for lifeHow Aristotle's concept of the golden mean applies to retirement decisionsUsing the OODA Loop (Observe, Orient, Decide, Act) to make better decisionsRecognizing personal biases before making financial decisionsEvaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunitiesLISTENER QUESTIONS(36:35) Roger answers a listener's question about home cost basis. (41:02) Can dividend income be used to fill the gap in my retirement income floor?(44:55) Are bonds still a good conservative investment, or should I use CDs instead?SMART SPRINT(49:55) Practice using the OODA framework on a small, everyday decision this week to determine whether optimizing is truly worth the extra time and effort.CLOSING THOUGHTS(51:24) Roger reflects on how building a resilient retirement plan isn't just about protecting against uncertainty—it also gives you the confidence to lean into life and enjoy retirement more fullyREFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Financial advisors are being pitched new AI tools almost every day.The promise is simple: more automation, better client service, and fewer hours buried in administrative work.But adding AI to a fragmented technology stack doesn't automatically make your business smarter. If your client data is incomplete, trapped inside disconnected systems, or flowing through tools you haven't properly vetted, AI may amplify the problems you already have.Today, I'm talking with Triad's Chief Technology Officer, Quin Kilgore, to explore why the next era of advisor technology won't be won by the firm with the most software.We discuss why the tools that helped build your firm may not be the tools that carry it forward, where convenience can create hidden compliance risks, and how AI could reshape everything from marketing attribution and advisor coaching to client events and everyday operations.3 Insights From This Week's Episode…#1.) The Hidden Risk Beneath Every AI Tool Advisors tend to focus on what a new AI tool can do. But the bigger risk may be hiding in incomplete client records, fragmented systems, and unclear data policies. We explore why AI adoption can make weaknesses in your firm's foundation much harder to ignore.#2.) Why Today's Tech Stack May Become Tomorrow's BottleneckFor years, advisory firms built their businesses around software that was expensive to customize and painful to replace. Quin explains how quickly that equation is changing, and why advisors may need to reconsider what a “core” technology system even looks like.#3.) The Client Intelligence Advisors Are Leaving BehindYour client conversations contain far more valuable information than a traditional fact finder can capture. We explore what becomes possible when that information can be organized, understood, and used throughout the firm.INTERESTED IN TRIAD'S AI MASTERMIND?Triad's AI Advisor Lab, led personally by Michael Hyatt, is built for financial advisors who want to cut through the hype, apply AI more effectively, and stay ahead as the industry evolves. Apply here to see if the mastermind is the right fit for your firm: https://bradleyjohnson.com/178-ai-advisor-labSHOW NOTEShttps://bradleyjohnson.com/178FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265629240See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Divorce is emotional—but it's also one of the biggest financial transitions you'll ever face. I'm joined by returning guest and podcast sponsor Phil Weiss, founder of Apprise Wealth Management, CFA, CPA, and Registered Life Planner (RLP®). Phil is passionate about helping women start fresh financially and guiding individuals and families through life's biggest financial transitions with clarity and confidence.In this episode, we discuss the financial moves that matter most before, during, and after divorce, including: - The biggest financial mistakes people make during divorce- Whether keeping the family home is the right financial choice- The financial documents you should gather first- How to rebuild financial confidence after divorce- The money mindset you need to rewrite for your next chapter If you're navigating divorce or creating a new financial future, this conversation is full of practical advice and encouragement. Follow Phil:Website@philweiss11

Financial advice often gets passed from one generation to the next, but not every rule is built for today's economy. The “Henssler Money Talks” hosts take a fresh look at some of the most common rules of thumb and discuss how they fit into modern financial planning.Original Air Date: July 18, 2026Read the Article: https://www.henssler.com/should-you-still-follow-yesterdays-financial-advice

A new savings opportunity for children raises an old financial question: what’s the plan? Jackie Campbell discusses Trump accounts, early investing habits, 529 comparisons, and the responsibility that comes when young adults gain control of money. She also explores why many Americans lack a written retirement plan, how Campbell and Company’s 360-degree roadmap looks at taxes, income, legacy, health care, and market risk, plus a reminder from country music star Gary LeVox about spending with intention. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

An alarming number of people have access to a 401(k) and are either not using it, not getting the full employer match, or not making the simple moves that turn a good account into a great one. Joe and OG dedicate a full episode to the retirement account that most people take for granted -- covering contributions, matching, investment selection, Roth versus traditional, and the specific decisions that separate people who retire comfortably from people who almost got there. Plus wins from the Stacker community and trivia that will make you the most dangerous person at your next dinner party.What You'll Walk Away WithWhy the employer match is the single highest guaranteed return available to any investor -- and the specific contribution level that captures every dollar of itRoth 401(k) versus traditional 401(k): the one question that cuts through all the noise and tells you which one to use right nowWhy your investment menu feels overwhelming and how to make a great choice in under five minutes using one simple filterThe auto-escalation feature most people never turn on -- and why setting it up once can add tens of thousands of dollars to your balance without you doing anything elseWhat to do with your 401(k) when you leave a job: the four options, which one is almost always wrong, and which one most people choose anywayWhy contribution limits are higher than most people think -- and the catch-up contribution that becomes available at 50 that most people in their 40s don't know to plan forThe vesting schedule trap: why your employer match might not actually be yours yet -- and what that means for anyone thinking about leaving their jobWhy 403(b) and 457 plans follow most of the same rules -- and the one unique advantage the 457 has that almost nobody knows aboutOG on the single most common 401(k) mistake he sees in client portfolios -- and how long it typically takes to fixStacker wins from the community: the specific moves people made this month that are already paying offWhy This Matters NowEvery year you don't optimize your 401(k) is a year of compounding you don't get back. The moves in this episode are not complicated -- but most people either don't know about them or keep putting them off. This is the episode to send to anyone who has a 401(k) and has never really looked at it.From the BasementJoe and OG celebrate the 401(k) in mom's basement while OG recovers from completing the Triple Bypass -- a Colorado cycling event that covers three mountain passes and approximately all of the elevation gain in the western hemisphere. OG's wife asked if he'd do it again. He answered with a childbirth analogy. Doug arrives with trivia that will be re-shared all week. The community delivers wins that prove the system works.Resources MentionedStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

His mission is to help 100,000 families just like yours achieve financial clarity. As a husband, father, coach, and active community volunteer, he understands the freedom that comes from sound financial planning.Over the past 15 years, he worked his way up from intern to CFP® Financial Advisor, eventually becoming a firm owner before the age of forty. He shares the financial education he was fortunate to receive through podcasts, his book "The Financial Pinwheel," and a variety of online resources.Growing up in Northern New Jersey, he saw firsthand how many people commuted into New York City, working 80-hour weeks in pursuit of financial security—often at the expense of their well-being. He once expected to follow the same path, until a college professor introduced him to a guest speaker who called himself a Financial Planner. This encounter opened his eyes to a career dedicated to helping every day, middle-class families—people just like him.During his internship, he offered to create a financial plan for his mother, a single parent who had returned to work to support their family. Witnessing the relief and confidence his plan gave her; she danced in his office—confirmed his calling. From that moment, he knew he wanted to help others experience the same sense of security and hope. https://www.thefinancialpinwheel.com/abouthttp://www.yourlotandparcel.orgSupport the show

Financial planning for business owners often gets pushed aside while daily operations take over, and certified financial planner William Bissett has seen this pattern for over two decades. Founder of Portus Wealth Advisors, William breaks down why business exit planning, business succession planning, and business retirement planning are not the same conversation, and why confusing them costs entrepreneurs real money. In this episode of Play Big Faster, you will hear why most owners have little saved outside their company, how economic cycles affect the timing of a business exit, what a professional valuation actually reveals about sellability, and why most owners regret selling within a year. Whether you are starting a business or nearing retirement, William shares a practical framework for turning your company into real, lasting wealth. Watch now on YouTube.

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Contrary to the traditional flight-to-safety playbook, bond yields are rising alongside oil prices as war-driven inflation fears overwhelm demand for U.S. Treasuries as a haven asset. We examine why this unusual bond market behavior matters for every investor who holds fixed income, and what it signals about the durability of the post-pandemic rate environment.Today's Stocks & Topics: ZIM Integrated Shipping Services Ltd. (ZIM), Market Wrap, Netflix, Inc. (NFLX), High Deficit on Bond Markets, Financial Planning, War Bonds vs. War Stocks: How Treasuries Are Really Responding to the Iran Conflict, KPP Newsletter, Zions Bancorporation, National Association (ZION), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Newmont Corporation (NEM), Edison International (EIX), Archer-Daniels-Midland Company (ADM), FCC Trying To Change Quarterly Earnings Rules.Advertising Inquiries: https://redcircle.com/brands

Tax planning is about much more than filing your tax return each year. In this episode of the Wise Money Show, we break down the four levels of tax planning and explain how proactive tax planning strategies can help individuals, business owners, and entrepreneurs reduce lifetime taxes and build more wealth. Learn the difference between tax preparation and tax planning, discover legal tax-saving opportunities, and avoid common mistakes that can lead to costly tax surprises. We're joined in the studio by special guest and tax planning expert Patrick Lonergan. Season 11, Episode 48 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Learn more about Patrick Lonergan and Vital Wealth: https://www.vitalwealth.com/ Listen to Patrick's podcast: https://www.vitalwealth.com/podcasts/    Watch this episode on YouTube: Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

A Wall Street Journal story about a 17-year-old helping his family with financial decisions kicks off a much bigger Stacking Benjamins question: who should you actually trust with your money? Joe, Doug, Paula Pant, Jesse Cramer, and special guest Roger Whitney dig into where great advice comes from, why bad advice often comes from people who love you, and how to build a better filter before you act. Along the way, they talk books, podcasts, family advice, AI, confirmation bias, homebuying myths, index funds, retirement plans, and why "smart" isn't enough.What You'll Walk Away WithWhy Roger says "advice" has a high bar: real advice should apply to your specific life, not just sound smart in publicThe difference between information and advice -- and why confusing the two can lead you into troubleWhy books often beat random internet advice: they usually have more vetting, structure, and accountabilityHow well-meaning friends and family can still give terrible money advice when they speak confidently about things they don't really understandPaula's advice pyramid: avoid people who profit from outrage, be skeptical of people with no accountability, and seek sources with both expertise and vettingWhy AI can be useful as a sparring partner, but not as a substitute for your own thinking or fact-checkingThe danger of "always" and "never" advice: always buy a house, always max your 401(k), never finance a car, always buy index fundsWhy renting isn't automatically throwing money away -- and how the price-to-rent ratio can help you think more clearlyWhy maxing out your workplace retirement plan may not always be the right move, especially when tax flexibility, business investment, or other goals matter moreHow confirmation bias, present bias, and absolute certainty can fool you into believing your plan is stronger than it isWhat to look for in your personal board of directors: people you respect, people with a high signal-to-noise ratio, and people who are kind enough to tell you the truthWhy Roger says a kind person is better than a merely nice one when you need real feedbackWhy This Matters NowFinancial advice is everywhere: podcasts, books, TikTok, AI, coworkers, relatives, advisors, and confident strangers with strong opinions. The hard part isn't finding advice. It's knowing which advice deserves your attention. This episode gives Stackers a filter for separating useful guidance from noise before the wrong voice gets too close to their money.From the BasementJoe uses a Wall Street Journal piece about a teenage family financial advisor to launch a bigger card-table debate with Paula Pant, Jesse Cramer, and Roger Whitney. The crew builds a money-advice pyramid, debates which financial rules should be ignored, and explores when to trust yourself versus when to bring in your board of directors. Doug celebrates Art Linkletter with Game of Life trivia, Paula admits she's never played it, and OG's trivia lead might get a little more uncomfortable.Resources MentionedThe Wall Street Journal piece by Oyin Adedoyin about a 17-year-old helping his family with financial decisionsRoger Whitney -- The Retirement Answer Man podcastPaula Pant -- Afford Anything podcastJesse Cramer -- Personal Finance for Long-Term Investors podcastSeth Godin -- LinchpinThomas Stanley and William Danko -- The Millionaire Next DoorRobert Kiyosaki -- Rich Dad Poor DadRobert Cialdini -- InfluenceRichard Feynman -- Surely You're Joking, Mr. Feynman!Beth Kobliner -- referenced as an upcoming Afford Anything guestStacking Benjamins Newsletter, The 201 -- stackingbenjamins.com/201Stacking Benjamins YouTube channel -- youtube.com/stackingbenjaminsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why the financial world is paying attention to Psychedelic Drugs, What Financial Planning looks like today, Next Pints and Portfolios will be in Sunnyvale this Saturday July 18th from 11:30am to 1:30pm with EP Wealth Advisors

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

At Miller Wealth Planning, we provide Doctors, business owners and other high-net-worth individuals a comprehensive, bulletproof financial plan. Rick has put together an exceptionally talented and experienced team to show you how to manage the numerous risks high-net-worth professionals face.These risks include: tax risk; market risk; longevity risk (running out of money); inflation risk; long-term care risk, lawsuit risk, and loss of income risk, among others. Your freedom from worry is our objective.Rick credentials include: Certificate in Financial Planning; IRMAA Certified Planner; Certified Dementia Practitioner and Investment Advisor Representative.Rick has Master's degrees in English and Counseling along with broad experience in business creation, real estate investing and more.Learn more: https://www.thecaregapsolution.com/The opinions expressed on this show by the host and Fredric W. (Rick) Miller are their own and do not reflect the opinions of this radio or television station. All statements and opinions expressed are based upon information believed to be reliable. Although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rick-miller-founder-of-miller-wealth-planning-discussing-protecting-the-surviving-spouse-in-retirement

Retirement is about more than growing your nest egg; it's also about building friendships, finding purpose, and making informed financial decisions along the way. Join Wes Moss and Christa DiBiase on this episode of the Retire Sooner Podcast as they blend listener questions, new research, and practical conversations about retirement planning, retirement investing, and personal finance. • Hear an inspiring listener story about trading everyday life for a full-time adventure aboard a sailboat in the Caribbean. • Discover new research on how long it may take to build close friendships and why those relationships may matter throughout retirement. • Learn why making new friends often gets tougher with age—and what may help create more meaningful connections. • Explore how The Retire Sooner Method encourages balancing financial security with purpose, relationships, and the experiences often associated with making retirement meaningful. • Explore portfolio diversification, pensions, liquidity, and how stocks, bonds, and cash may work together in a retirement portfolio. • Compare working with a financial advisor versus DIY investing, including what research suggests about each approach. • Review how financial planning may extend beyond investing to include tax planning, estate planning, and family priorities. • Consider ways to balance retirement savings, mortgage payments, and emergency cash reserves when extra income comes your way. • Understand portfolio rebalancing during market volatility and what Treasury notes and yield to maturity mean for fixed-income investors. Whether you're counting down to retirement or already there, this episode offers thoughtful perspectives to help you navigate the road ahead. Listen and subscribe to the Retire Sooner Podcast for more conversations about retirement planning, investing, and living well in retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the 1800s, the smartest financial advice your grandparents could receive was: don't save money, because it will probably go to zero. Stocks were considered scams. Real estate was the only real path to wealth. Crypto isn't the future, it's a replay of something that happened dozens of times before the Civil War. Dr. Joseph Moore is a historian, a New York Times bestselling author, and someone who has spent his career proving that what always worked was always changing. His book is How to Get Rich in American History, and this conversation will make you rethink at least three things you currently believe about money.What You'll Walk Away WithWhy grandparents in the 1800s told their grandchildren never to save money -- and why that advice was completely rational at the timeThe crypto-as-past argument: why self-issued currencies have existed since before the Civil War, why they all eventually went to zero, and what the one thing is that actually made the US dollar trustworthyWhy stocks beating bonds in the long run is only true since World War II -- and what that means for treating any historical financial truth as permanentThe go-ahead philosophy: why Americans used to define success as actively moving forward rather than passively not falling behind -- and why that shift in language reveals something importantWhy financial gurus get a worse reputation than they deserve -- and the German economist's study that showed Dave Ramsey alone has saved the US economy the GDP of a mid-sized nation stateThe FIRE movement isn't new: the original four-hour workday, a man with Ten Acres Enough in 1850s New Jersey, and what the Nearings' Vermont maple farm story actually teaches about the selling of early retirementFast time versus slow time: why the financial media is paid to tell you it's always fast time, why it's almost never fast time, and how to know the difference when it actually mattersWhy the 4% rule and the safe withdrawal rate are research findings worth knowing -- and exactly why building a 30-year financial plan around a fixed number is still a mistakeFive first-half 2026 lessons from the Stacking Benjamins mentor vault: creativity, adversity, mistakes, the go-ahead mindset, and compoundingThe compounding belief problem: why OG's framework for trusting the math you've already lived is the most underrated motivational tool in personal financeWhy This Matters NowEvery financial truth that feels permanent right now -- index funds always win, real estate always appreciates, crypto is either the future or a scam -- is newer than you think and more conditional than it sounds. The investors who build real flexibility into their plans are the ones who survive when the conditions change. And the conditions always change.From the BasementDr. Joseph Moore joins Joe and OG to pick fights with crypto, passive income, real estate mythology, Napoleon Hill, and the entire academic finance establishment -- while making the case that financial gurus, properly understood, have done more measurable good for American wealth than all the finance professors combined. OG is in Colorado acclimating for a bicycle climb that has Doug genuinely concerned about whether a financial co-host counts as a dependent. Doug arrives with trivia tied to today's birthday that connects Nintendo's origins to something nobody expected. Five mentor highlights from the first half of 2026 close the episode -- including clips from George Newman on creativity, Jim Murphy on adversity, Bola Sokunbi on surviving a very expensive rollover mistake, Beth Kobliner on why young people are gambling instead of saving, and Cody Berman on the compounding moment that changes everything.Resources MentionedHow to Get Rich in American History by Dr. Joseph Moore -- New York Times bestseller; available at bookstores and on Amazon; josephmoore.comInner Excellence by Jim Murphy -- referenced for mental strength and adversity; available wherever books are soldClever Girl Finance -- Bola Sokunbi; clevergirlfinance.comAfford Anything podcast -- Paula Pant; referenced in first-half mentor recapRetire by 30 by Cody Berman -- retireby30book.comGet a Financial Life by Beth Kobliner -- referenced in first-half mentor recapStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201; write Joe at joe@stackingbenjamins.com with your favorite first-half lessonStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3630: Erik Carter highlights the critical pieces that many solid financial plans still overlook, including life insurance, diversification, liability protection, long-term care coverage, and estate planning. These often-neglected safeguards can protect your family, assets, and future income from risks that can undo years of smart financial decisions. Read along with the original article(s) here: https://www.financialfinesse.com/2013/02/21/whats-probably-missing-from-your-financial-plan/ Quotes to ponder: "Too often, people just have whatever their employer provides to them, which is usually equal to their salary." "The problem isn't that people don't know the importance of life insurance or can't afford it. The problem is that it's too easy to procrastinate." "One of the biggest investment mistakes I see is having too much in company stock." Episode references: Medicare: https://www.medicare.gov/ Medicaid: https://www.medicaid.gov/ S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocation and a retirement allocation, explaining how to organize your assets to support both your current lifestyle and your future needs. Along the way, he answers listener questions about speculative investments, the retirement red zone, the Rule of 55, and managing retirement cash reserves.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger explains why portfolios naturally drift over time and why rebalancing helps keep your retirement plan aligned with your long-term goals.RETIREMENT TOOLKIT(02:45) Roger explains how to rebalance a retirement portfolio, introduces his retirement allocation strategy, and shares practical tips for keeping your investments aligned with the life you want to live.LISTENER QUESTIONS(34:50) BB asks whether a high-risk AI cryptocurrency investment belongs in a retirement portfolio. Roger discusses separating speculative investments from retirement assets and investing with intention.(39:30) Jim asks how the retirement red zone changes for people who retire early. Roger explains sequence of returns risk and why its impact depends on factors like retirement age and overall funding.(44:16) Jamie asks how the Rule of 55 applies to her 401(k). Roger explains why eligibility depends on the employer's retirement plan and recommends checking with the plan administrator.(46:53) Pat asks how to replenish a retirement money market account each year. Roger discusses coordinating withdrawals with tax planning and maintaining flexibility in retirement income.SMART SPRINT(50:10) Roger encourages listeners to identify their target retirement allocation by defining how much they want in their contingency fund, income reserve, and long-term growth portfolio.ON THE BOOKSHELF (51:28) Nicole recommends Undistracted by Bob Goff, and Mark recommends Living Life in Crescendo by Stephen R. Covey and Cynthia Covey Haller. Roger shares his thoughts on lifelong growth and purpose in retirement. REFERENCESSubmit a Question for RogerSign up for The NoodleUndistracted: Capture Your Purpose. Rediscover Your Joy. by Bob GoffLiving Life In Crescendo by Stephen R. CoveyNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Here's a question most advisors can't answer honestly: if you stepped away from your business for a couple of months for more than a vacation, would it survive? For many founders, the answer is no. And that's a bigger problem than it sounds. Not just for you, but for your team, your clients, and the long-term value of your firm.Today, I'm talking with DJ DiDonna, founder of The Sabbatical Project and author of Big Time Off, to talk about why sabbaticals are more than extended vacations. For advisors, they can become the ultimate stress test for the firm, the team, the client experience, and the life you're supposedly building toward.We get into why burnout can show up even after you've built the “dream job,” why a business that depends entirely on you may be more fragile than it looks, and why waiting until retirement to finally live the life you've earned is a risky bet.If you've ever wondered whether your business is giving you freedom or quietly taking it away, this conversation will hit close to home.3 Insights From This Week's Episode…#1.) The Freedom Test Most Advisors AvoidMany advisors say they're building freedom, but their calendar, client model, and team structure make that freedom nearly impossible. We explore what your ability to step away may reveal about whether you've built a real company or just a more sophisticated version of a job.#2.) Why Burnout Can Hit After You WinBurnout doesn't always come from failure. Sometimes it shows up after you've built the business you thought you wanted. DJ shares why that can be so disorienting and what advisors may be missing when they keep pushing through.#3.) The Fear That Keeps Owners From Offering Time Off"What if I create the exit door and my best people walk through it?" It's the first objection every owner raises, and DJ has actual data on what happens when companies make extended leave part of the deal. The numbers aren't what you'd expect.This Week's Free GiveTo Get a Free Copy of Big Time Off: The Transformative Power of Sabbaticals and How to Take One, visit https://bradleyjohnson.com/177SHOW NOTEShttps://bradleyjohnson.com/177FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265629233See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Small company stocks were up nearly 22% in the first six months of 2026. Emerging markets were up 24%. Meanwhile, plenty of people sat on the sidelines convinced those asset classes were dead, chased last year's winners, or just didn't know what they owned. Joe, OG, and Len Penzo break down the first-half scorecard, explain why the lesson isn't about timing -- it's about diversification -- and walk through what an investment policy statement actually is and why having one would have kept most people out of trouble.What You'll Walk Away WithThe first-half 2026 scorecard: Russell 2000 up 21.9%, MSCI Emerging Markets up 24%, S&P 500 up 9.6%, and why the breadth of the rally matters more than the headline numberWhy OG's one-sentence takeaway -- "the plan always works" -- is both right and incomplete, and what Len's personal experience this year adds to the conversationWhat an investment policy statement actually is: the one-page written decision tree that protects you from making bad moves when markets spike or crashWhy the market closes at an all-time high roughly 30% of the time -- and what that means for the "I'm waiting for it to come down" crowdHow to x-ray your portfolio: the specific inventory OG recommends taking before you make any changesWhy you should rebalance all at once rather than filling in holes slowly -- and the one asterisk that applies before you do anything in a taxable accountLen on the mining sector: why GDX returned 154% last year and is down 10% this year -- and exactly what that pattern teaches about chasing returnsWhy trying to explain your investment plan to another human being is the best stress test you haveThe allowance micro-economy problem: what happens when you pay kids per task and they start pricing everything in units of dog poopJessica's win from the Basement: how one Stacker helped her 25-year-old cousin sign up for her first 401(k), get the full company match, and choose index fundsWhy This Matters NowThe second half of 2026 starts now. If you don't know what you own, why you own it, or what you'd do if it dropped 30%, this is the episode to act on before the next six months get away from you.From the BasementJoe, OG, and Len Penzo review the first half of 2026, build a case for why diversification beats prediction every time, and explain what an investment policy statement is and how to write one. Doug celebrates the Hollywood sign's origin as a real estate advertisement and shares two things social media actually taught us -- including a TikTok comedian voicing the thoughts in Mark Zuckerberg's ear during a very long beef discussion. Len's annual sandwich survey is about a month away. True Money Stories is climbing the Amazon charts.Resources MentionedTrue Money Stories by Len Penzo -- available on Amazon; lenpenzo.comLen Penzo dot com -- lenpenzo.com; 3,000 articles, 18 years of personal finance writingStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementOG financial planning calendar -- stackingbenjamins.com/ogSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.