Podcasts about financial planning

Cody Berman had the $80,000 corporate job straight out of college, the four-hour daily commute, and the career path everyone said he should want. He hated all of it. By 25, he was financially free -- not because he stumbled into crypto or built a unicorn startup, but because he obsessively maximized the gap between what he made and what he spent, tried 30 different side hustles until a few of them worked, and built a life around what he actually valued. His new book is called Retire by 30. This episode is the conversation behind it.What You'll Walk Away WithWhy the title Retire by 30 is deliberately misleading -- and what Cody says the book is actually aboutThe gap: why the spread between income and expenses matters more than your investment returns, especially at the beginningHow Cody's co-host Justin hit financial freedom at 30 without a single side hustle -- just strategic corporate moves, index funds, and a 75-80% savings rateThe house hacking math: why living in a multi-family property created a $3,000+ monthly swing compared to friends paying Boston rentWhat happened when Cody tried to sell Lauren on FIRE using a spreadsheet -- and the reframe that actually workedWhy the big three (housing, transportation, food) move the needle infinitely more than cutting lattes and canceling NetflixThe 30-side-hustle graveyard: which ones were the worst, which one was the most ridiculous, and the one breakout that still generates income todayPurple's story: how someone retired on $500,000 and now has $1.1 million without adding another dollar to the pileThe surprising thing financial freedom actually teaches you about yourself -- and why it's never a money problem after you hit the numberWhat AI is actually good at for personal finance -- and why the more you already know, the better its answers getWhy This Matters NowWhether you're 25 or 55, the math Cody lays out is the same: find the gap, protect the gap, invest the difference, and build a life you don't need to escape from. The age you start determines the timeline, not the framework. This episode is the one to send to anyone in their 20s who hasn't started -- and anyone in their 40s who thinks it's too late.From the BasementCody Berman joins Joe and OG -- who is recording from inside Hollywood Studios at Coach Con -- to walk through the Retire by 30 framework, the 30 side hustles he actually tried, and the case studies from the book that prove it works in wildly different ways. The USA Today AI financial advice headline gives OG a full platform to explain where AI is genuinely useful, where it confidently hallucinates IRS codes, and why it apparently tried to blackmail a corporate email server. Doug arrives with Trader Joe's trivia after discovering the hard way that cider contains alcohol. Stacker Molly gets her HYSA cleared of all charges.Resources MentionedRetire by 30 by Cody Berman -- retireby30book.com; also available wherever books are soldCody Berman -- Financial Independence Show podcast; co-hosted with JustinA Purple Life blog -- referenced as a case study; apurplelife.netUSA Today -- "Half of Americans get financial advice from AI, but is it any good?" by Daniel DeViseAcquired podcast -- recommended for Trader Joe's, Coca-Cola, and Mars episode deep divesThe College Investor with Robert Farrington -- referenced for prior AI financial advice accuracy testingStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking 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.

Roger Whitney explores the idea that retirement always involves both excitement and uncertainty. While people spend years gathering information, running projections, and refining plans, there comes a point when no amount of additional analysis can eliminate risk. Through a conversation with Dr. Jordan Grumet, Roger discusses why retirement ultimately requires a leap of faith, how fear of running out of money can overshadow the risk of missing life, and practical ways to build confidence in spending and living intentionally. The episode also features listener reflections on decluttering, strategies for letting go of physical and financial clutter, and a Rockin' Retirement in the Wild story from Scott, who recently retired and embraced a long-awaited trip to Maui.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger reflects on the “sweet and sour” nature of retirement and introduces the concept of taking a leap of faith.(01:56) Roger welcomes listeners, previews his conversation with Dr. Jordan Grumet, and invites listeners to the upcoming Noodle Live event.ROCKIN' RETIREMENT IN THE WILD(04:01) Scott shares a retirement story from Maui, including a chance encounter with Roger's realtor and reflections on taking the leap into retirement at age 57.PRACTICAL PLANNING SEGMENT WITH DR. JORDON GRUMET(05:47) Roger and Dr. Jordan Grumet discuss why confidence can be one of the biggest challenges in retirement, even for those who have prepared well financially. (13:00) The conversation explores the tension between protecting financial security and fully embracing life's opportunities.(22:18) ) A discussion on longevity assumptions, retirement planning conservatism, and why many retirees may overestimate the likelihood of running out of money. (27:04) Practical strategies for building spending confidence, including the “fun bucket” approach. (35:24) Additional tactics for creating confidence, including prefunding near-term spending and focusing on purpose rather than optimization. (42:12) How values-driven planning can help retirees intentionally use money to support the life they want to create. (47:49) Key takeaways on abundance, mindset, and taking meaningful action despite uncertainty.SMART SPRINT(49:55) Identify one decision you've been researching, planning, or delaying. Ask yourself whether additional information will truly change the outcome, or if it's time to take a small leap of faith and move forward.DECLUTTERING DEBRIEF(51:06) Roger reflects on listener feedback from the decluttering series and shares a few practical insights and resources from the community. REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleDr. Jordan Grumet / Earn & Invest PodcastNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Fan Mail: Tell Wendy how you're saying yes to yourself!Join Wendy for her dreamy Summer Solstice White Party on Saturday June 20, 2026 —an al fresco evening of delicious food, intention-setting, and celebration at the Phineas Wright House. Wear white, gather at the long table in the field, and toast to the season ahead. Save you seat here: phineaswrighthouse.com/the-shop/p/summer-solstice-white-partyIn this episode, Wendy sits down with Laura Phillips, a reverse mortgage lender. Laura challenges the generational belief that home equity is only a safety net, and explores how reverse mortgages can actually help seniors say yes to themselves and fund the life they want to live.They explore:What reverse mortgages actually are (and why the name confuses people)How non-recourse loans protect your heirs from debtWhy shifting your mindset about equity changes everythingLaura shares real stories of how reverse mortgages have helped seniors stay in their homes longer, fund in-home care, and maintain independence without burdening their children. She talks about breaking generational patterns around debt and home ownership, and why this financial tool deserves a second look.This is a conversation about reframing what your home equity can do for you in your later years.Connect with Laura:LinkedIn: linkedin.com/in/laurawphillipsWebsite: lauraphillips.comPhone: (303) 817-4611________________________________________________________________________________________Connect with Wendy:LinkedinInstagram: @wendy.harropFacebook: Phineas Wright HouseWebsite: Phineas Wright House PWH Farm StaysPWH Curated Experience and TravelInterested in being a guest on the show? Send your pitch to podcast@phineaswrighthouse.comPodcast Production By Shannon Warner of Resonant Collective Want to start your own podcast? Let's chat!If this episode resonated, follow Say YES to Yourself! and leave a  5-star review. It helps more women in midlife discover the tools, stories, and community that make saying YES not only possible, but powerful.

Tony was excited to sit down with Dana D'Auria, who recently joined Franklin Templeton's RIA Advisory Council as an Industry Leader. This newly formed group has enabled the firm to work together to help shape how private markets are evolving in the RIA Channel. In this episode Tony and Dana tackle important structural considerations around liquidity, valuation, and the limitations of so-called "semi-liquid" investments, while emphasizing the untapped potential of private equity, private credit, and real assets in enhancing client outcomes. They discuss how technology platforms and model-based approaches can help advisors scale their practices while maintaining their core value proposition: providing clients access to sophisticated investment strategies that would otherwise be out of reach. This is an essential listen for advisors looking to navigate the operational complexities of private markets and deliver differentiated value to their clients. DANA D'AURIA, CFA CO-CHIEF INVESTMENT OFFICER AND GROUP PRESIDENT, ENVESTNET SOLUTIONS As Group President, Envestnet Solutions and Co-Chief Investment Officer at Envestnet, Dana is responsible for wealth and asset management solutions across Envestnet's ecosystem, including its research, overlay, direct indexing, sustainable investing and retirement services, as well as partnerships with exchanges and other wealth solutions providers. Dana is also a chair of Envestnet | PMC's Investment Committee.   Prior to joining Envestnet, Dana was most recently a Managing Director of Symmetry Partners where she also served as President and a Portfolio Manager of Symmetry Panoramic Mutual Funds, the firm's multi-factor family of funds.  Dana is a frequent contributor on CNBC Squawk Box, Bloomberg TV and Radio, Yahoo! Finance, and Nasdaq TradeTalks. She has been honored by Money Management Executive as one of the publication's "Top Women in Asset Management" in 2018 and "Women to Watch" in 2017. She has also published articles on factor investing in The Journal of Financial Planning and The Journal of Index Investing. Dana holds the Chartered Financial Analyst (CFA) designation, and earned both her MBA (in Finance) and BA (in English and International Studies) from Fairfield University. Resources: Dana M. D'Auria, CFA | LinkedInFranklin Templeton Private MarketsTony Davidow, CIMA® | LinkedIn

In this episode of 'Retire with Style', Wade Pfau and Alex Murguia discuss the non-financial aspects of retirement with Jason Rizkallah. They explore how relationships change during retirement, the importance of maintaining social connections, and the need for communication between spouses. The conversation also touches on balancing time spent together and apart, as well as the significance of leading a healthy lifestyle in retirement. The hosts emphasize the importance of planning and discussing these changes before and during retirement to ensure a smooth transition. In this conversation, Jason Rizkallah discusses the various lifestyle changes that come with retirement, emphasizing the importance of building new routines, finding purpose, and maintaining social connections. He highlights the challenges of unstructured time and the need to adapt to aging, while also encouraging a positive outlook on these transitions. The discussion covers practical strategies for navigating retirement successfully, including the importance of planning and fostering relationships. Listen now to learn more!   Takeaways Relationships may change significantly after retirement. Engaging in hobbies can help meet new people. Communication with your spouse about retirement goals is crucial. Expect changes in household roles after retirement. Discussing financial plans is important for a successful retirement. Balancing time together and apart is key to a healthy relationship. Planning for family obligations is necessary in retirement. Mental and physical health are both important in retirement. It's never too late to have important conversations about retirement. Most folks operate under a routine to some degree. Creating a new routine is important in retirement. You have to make an effort to maintain social connections. Avoid the trap of doing nothing in retirement Chapters 00:00 Introduction to Retirement Planning 02:07 Navigating Relationship Changes in Retirement 12:51 Balancing Time Together and Apart 18:46 Maintaining a Healthy Lifestyle in Retirement 19:36 Building New Routines in Retirement 24:06 Transforming Lifestyle Changes into Opportunities 29:37 Navigating Unstructured Time 31:34 Strengthening Relationships in Retirement 33:40 Embracing Aging and Its Challenges   Links Join Our Next Live Q&A Session! We're hosting our next Retire With Style YouTube Live Q&A on Wednesday, June 3rd at 12:00 PM ET. Wade and Alex will be answering your retirement planning questions live! ✅ Submit your question in advance at retirewithstyle.com ✅ Or join us live and ask your question in the chat Come be part of the conversation—your questions often inspire future episodes!

Is your business — the very thing you built to have more freedom — consuming all of your wealth, energy, and identity? While early-stage entrepreneurs can easily lose the flexibility they sought in the endless pursuit of "the next level," late-career business owners face their own strange contradictions. Everything looks great on paper, but personally, the thought of stepping away is both exciting and disorienting. Successful exits aren't just about creating bigger piles of money or boundless free time.  Regardless of the phase you're in today, successful entrepreneurship is about addressing the complexity of planning a new life and identity, redefining structure, connection, and meaning. In what ways are you investing in your future today to make your next phase feel more meaningful, not just financially secure?  SK Wealth Partner Mac Richards and CEO Jason Archambault walk through the lifecycle of a business owner — the emotional, identity-driven, lumpy, non-linear experience — from laying the foundation and scaling to the eventual exit. Listen as they explore the hidden tensions most business owners carry, like "Am I building personal wealth or just a bigger company at an unsustainable pace?" and "If I don't have my business, who am I?" Don't forget to subscribe to be the first to hear new episodes.

Send us Fan MailI don't know if you've noticed, but writing checks is almost a thing of the past. Most people write very few, if any, checks anymore. The digital transfer of money has become quicker and easier with the advent of multiple options for cash transfers, such as ACH, debit cards, Zelle, and Venmo. But, are electronic money transfers safer?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

The conversation begins with a discussion on the record-setting market optimism and the caution required in such a scenario. It then transitions to the shutdown of Spirit Airlines and the impact on employees and customers. The focus then shifts to the warning signals from Goldman Sachs and the market's resilience, seasonal headwinds, and institutional restraint. Finally, the conversation concludes with a call to action for financial planning and portfolio analysis, emphasizing the need to assess personal financial goals and avoid complacency in the current market environment.TakeawaysRecord-setting market optimismWall Street warning signalsChapters00:00 Introduction and Market Optimism09:25 Spirit Airlines Shutdown28:20 Goldman Sachs Warning Signals43:33 Financial Planning and Portfolio Analysis

Business lessons and personal experiences intersect with retirement planning in this episode with Art McPherson. The discussion highlights long-term thinking, family legacy, and how discipline applies across financial decisions. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Most DIY investors spend their energy optimizing investments. The wealthiest investors optimize systems. According to Vanguard, a great advisor can add roughly 3% to your portfolio -- not by picking better stocks, but by keeping you from wrecking what you already have and by making the boring structural decisions most people skip. Joe and OG walk through the return boosters that actually move the needle, none of which involve a single exotic investment. OG and Anna follow up with the retirement withdrawal sequence that turns a good tax strategy into a great one.What You'll Walk Away WithWhy staying invested is the single highest-return move available to most investors -- and the Wall Street Journal archive experiment that proves it better than any chartHow news addiction creates the three portfolio killers: panic selling, market timing, and the constant feeling that today is the day to make a moveWhy your investment policy statement is a shock absorber between your emotions and your account -- and why advisors often beat DIY investors not by picking better funds but by being harder to reach on bad daysAsset location: the quiet return booster that moves money into the right tax shelter without changing a single investmentWhy tax loss harvesting is widely marketed to the wrong people -- and who actually has a strong use case for itSocial Security timing as a portfolio decision: why "I don't have to decide today" is sometimes the most financially sophisticated answer availableThe sequence of return risk trap that turns retirement into a constant anxiety loop -- and the simple margin of safety that makes it irrelevantThe lightning round: concentrated stock, leverage, crypto yield products, options trading, rebalancing, and tax efficiency -- return or trouble?OG and Anna on the distribution ladder: how to sequence withdrawals from pre-tax, brokerage, and Roth accounts to minimize taxes in retirementWhat IRMAA is, why it shows up two years after the decision that caused it, and why Roth conversions need to happen in November -- not MarchWhy This Matters NowIf you've been dollar-cost averaging into index funds and calling it a day, this episode is the next conversation. The gap between a well-built system and a random pile of investments isn't measured in which funds you chose -- it's measured in taxes paid, sequence of returns survived, and whether you had a plan when everything felt uncertain.From the BasementJoe and OG dig into the return boosters that have nothing to do with picking better investments -- recorded while OG is already inside Hollywood Studios at 4 AM trying to figure out the Lightning Lane math. OG and Anna deliver episode four of their financial basics series with a full walkthrough of tax-efficient withdrawal sequencing, including the IRMAA trap, Roth conversion timing, and why the tax triangle you built in season one is the whole point. Doug arrives with Studebaker trivia. The community delivers an anonymous car buying post that may be the most actionable 200 words the basement has produced all year. And the Stacking Benjamins Inner Circle scam gets called out by name.Resources MentionedStacking Benjamins Scorecard -- stackingbenjamins.com/scorecard; free tool to evaluate your current financial positionStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStock Market Maestros episode -- linked at stackingbenjamins.com; on the habits of the world's best investorsStacking Benjamins YouTube channel -- youtube.com/stackingbenjamins; full OG and Anna basics seriesStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community (The Basement) -- stackingbenjamins.com/basementStacking Benjamins Meetups (BAD Groups) -- stackingbenjamins.com/BADSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Moving to Europe? Before you pack your bags, make sure your finances are ready.In this episode of Gimme Some Truth, Nate, Stan, and Syl break down the most common — and costly — financial mistakes Americans make when moving abroad. From mishandling US retirement accounts to holding the wrong investments in a foreign country, these errors can cost you thousands in unnecessary taxes and penalties.Whether you're planning a move to France, Germany, the Netherlands, or anywhere in the EU, this video covers what you need to know about 529 plans, IRAs, 401(k)s, TSP rollovers, tax treaties, and building a portable investment portfolio.

MEDICARE ADVANTAGE VS ORIGINAL MEDICARE: KEY DIFFERENCES WATCH ON YOUTUBE Thad Ismart, CFP®, ChFEBC, CEPS Senior Financial Planner, BWFA Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA's Thad about how to compare Medicare plans and what individuals should consider when evaluating coverage options. They explain the differences between Original Medicare and Medicare Advantage plans, along with how prescription coverage, Medigap policies, and supplemental benefits can affect overall costs. The conversation also covers travel coverage, plan comparisons, and why many individuals overpay simply because they do not review their options regularly. To better understand how Medicare planning fits into your broader retirement strategy, visit our Financial Planning services page. Read Full Description Choosing a Medicare plan involves more than comparing monthly premiums. Coverage, deductibles, prescriptions, and long-term healthcare needs can all impact which plan makes the most sense. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA's Thad about how to compare Medicare plans and evaluate different coverage options. They explain the differences between Original Medicare and Medicare Advantage plans, as well as how Medigap policies and prescription drug coverage fit into the overall picture. The discussion also highlights why many individuals overpay for Medicare. In many cases, people continue using the same plan year after year without reviewing costs or comparing alternatives. Travel coverage is another important consideration. Some Medicare Advantage plans may include coverage for healthcare outside the United States, while Original Medicare typically does not. The episode also explains why comparing plans regularly matters. Even when benefits remain similar, pricing can vary significantly between providers. Ultimately, Medicare planning requires balancing costs, flexibility, and healthcare needs. Understanding your options can help you make more informed decisions, avoid unnecessary expenses, and feel more confident about your healthcare coverage throughout retirement as healthcare needs and costs continue changing over time.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

The inherited IRA 10-year rule has changed the way many families pass wealth from one generation to the next, creating new tax planning challenges and opportunities. In this episode of the Wise Money Show, we explore a creative beneficiary strategy that could give heirs more flexibility when managing inherited retirement accounts. We also discuss the pros and cons of naming children instead of a spouse as IRA beneficiaries, along with key considerations for Roth conversions, retirement tax planning, and multi-generational wealth strategies.  Season 11, Episode 41 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.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/5WGyHXdUyEk  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.

Most of the financial decisions keeping you up at night are two-way doors. You can change them. You can undo them. The real one-way doors -- the decisions that actually lock you in -- are rarer than you think, and the problem is we're spending the same emotional energy on both. Joe, OG, Paula Pant, and Jesse Cramer take Simone Stolzoff's uncertainty framework from Wednesday and run it straight through real financial life: career changes, portfolio risk, entrepreneurial pivots, and the moment you finally flip the kill switch on something that isn't working.What You'll Walk Away WithThe one-way door versus two-way door framework applied to real decisions -- and why automating your savings contributions is the most underrated version of this ideaJesse's anchor: why life insurance changed everything about how he sleeps at night now that there are passengers in the car with himPaula's anchor: why avoiding debt entirely is the entrepreneurial version of keeping your burn rate survivable when revenue gets unpredictableOG's anchor: long-term belief in human ingenuity as a financial strategy -- and why short-term geopolitical noise is actually an opportunity for investors who aren't panickingWhy selling assets in a taxable brokerage account to cover business payroll is a two-way door -- until enough time passes and it quietly becomes a one-way doorThe kill criteria conversation: how Jesse built an 18-to-24-month runway into his career change before he ever made the leapWhy the Everest turnaround time is the most important financial planning concept most people have never applied to their own goalsOG's client story: when the right risk tolerance isn't the mathematically correct one -- it's the one that lets you sleep at night without calling your advisorPaula on the pivot strategy: keep iterating the broad direction until you find the product-market fit, because the version that works might look nothing like what you started withWhy a career shift becomes more of a one-way door the longer you wait -- and what Rocky Mark's electrical engineer to content creator question reveals about timingWhy This Matters NowThe worst financial decisions happen when people treat reversible choices as permanent ones and freeze -- or treat permanent choices as reversible and act too fast. This episode gives you a framework for telling the difference before the emotion hits, which is the only time it actually helps.From the BasementJoe, OG, Paula Pant, and Jesse Cramer take Simone Stolzoff's Wednesday framework and apply it to the messy real world of careers, portfolios, entrepreneurship, and retirement identity. The trivia competition takes a dramatic turn when OG margin calls Jesse on a Mount Everest question -- and the full margin call rule set gets read aloud for the first time in recorded history after Dottie in Wichita makes a call nobody wanted to receive. Jesse wins the point. OG loses one. The coalition closes the gap.Resources MentionedAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&A; youtube.com/affordanythingPersonal Finance for Long-Term Investors -- Jesse Cramer's podcast; current series: 14 biggest risks in retirement, Charlie Munger-inspired inversion frameworkStacking Benjamins Wednesday episode -- "Why Uncertainty Is an Opportunity" with Simone Stolzoff; stackingbenjamins.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking 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.

Summer is heating up, and so are the markets. This month, Peter and Jeff break down two of Wall Street's hottest topics: the boom in private credit and the return of the IPO. What's fueling the frenzy, where's the risk and what should investors watch? Get the answers to these questions plus their tips of the month. 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

In this episode, Ben Felix and Braden Warwick unpack the surprisingly complex world of expected return modeling and why it matters so much for retirement projections, portfolio construction, and financial advice. They explain how PWL Capital currently estimates expected returns across asset classes, why traditional Monte Carlo methods relying on Gaussian distributions may miss important market behaviors, and how new research could improve the realism of long-term financial planning simulations. The conversation also explores a fascinating collaboration between PWL and Columbia Engineering student John Yang, who worked with Professor Michael Robbins on a project to build more realistic synthetic return data for financial planning. John explains how his team used empirical distributions, t-copulas, and Extreme Value Theory to better capture market crashes, fat tails, and asset co-movements during periods of stress. Ben and Braden then analyze how these improved simulation methods affect financial planning outcomes, sustainable spending estimates, and projections for long-term wealth accumulation.   Key Points From This Episode: (0:00:00) Introduction to expected return modeling and why it matters for financial planning.  (0:00:25) The importance of volatility, correlations, distribution shape, and time-series behavior in portfolio projections.  (0:01:26) How Scott Cederburg's research on block bootstrapping influenced PWL's thinking on simulations.  (0:02:03) Introduction to Columbia Engineering student John Yang and the industry research collaboration.  (0:03:30) How Conquest Planning allows PWL to upload custom return simulations.  (0:04:05) A new PWL client's detailed reasoning for moving from DIY investing to working with an advisor.  (0:06:22) Why financial planning and Monte Carlo simulations were central to the client's decision.  (0:07:22) Cross-border financial complexity and the value of professional advice.  (0:08:03) Estate planning, cognitive decline, and the role of trusted financial relationships.  (0:10:02) Research on cognitive decline and its impact on financial decision-making.  (0:12:00) Delegation, accountability, and reducing mental overhead through advisory relationships.  (0:13:47) Why the client chose PWL specifically and the appeal of evidence-based investing.  (0:15:25) Ben and Braden discuss the perceived disconnect between online discourse and demand for AUM advisors.  (0:16:12) Overview of PWL's methodology for estimating expected returns across asset classes.  (0:17:05) How PWL combines historical returns with market-implied expected returns.  (0:18:07) The use of factor premiums and expected return composition in taxable projections.  (0:18:48) Why PWL previously relied on Gaussian multivariate normal distributions for simulations.  (0:19:41) Arithmetic vs. geometric mean returns and why the distinction matters.  (0:21:01) A simple example illustrating volatility drag.  (0:23:29) Why diversification benefits must be incorporated into expected portfolio returns.  (0:25:15) How correcting portfolio math improved expected return estimates by 20–30 basis points.  (0:27:12) Transition to John Yang's interview and introduction to synthetic data generation.  (0:30:07) John explains the limitations of Gaussian return assumptions.  (0:31:04) Why realistic sequences of returns matter for retirement planning.  (0:32:16) Empirical evidence that returns are not truly random.  (0:33:25) The three modeling challenges: unique asset behavior, realistic co-movement, and tail risk.  (0:37:49) Separating marginal distributions from dependency structures in the modeling process.  (0:38:48) Using a t-copula to better model asset co-movement during market stress.  (0:39:39) Why historical data alone struggles to capture rare crisis events.  (0:40:06) Applying Extreme Value Theory and Generalized Pareto Distributions to model tail risk.  (0:42:15) How Monte Carlo simulations generate many realistic future return paths.  (0:43:00) Imposing forward-looking expected returns and volatility assumptions onto the simulations.  (0:44:56) How the new framework better preserves skewness and kurtosis.  (0:46:38) Evaluating the new model using marginal shape, tail behavior, and co-movement scores.  (0:48:10) Why the new model significantly improved tail realism without sacrificing correlations.  (0:49:05) Future extensions including dynamic correlations and volatility clustering.  (0:50:28) Potential future use of GANs and machine learning for synthetic financial data.  (0:52:02) Key takeaway: financial planning requires realistic return paths, not just summary statistics.  (0:53:41) Braden analyzes how the new simulation framework affects financial advice.  (0:55:04) Why monthly index data produced fatter tails than long-term annual DMS data.  (0:58:47) The new model improved Monte Carlo success rates by roughly 2–3%.  (1:00:25) Sustainable spending estimates changed only modestly under the new simulations.  (1:02:27) Why the improved methodology matters more for alternative asset classes.  (1:04:25) The surprising finding that median wealth outcomes increased while mean outcomes decreased.  (1:05:47) Why Gaussian simulations can create unrealistic runaway wealth scenarios.  (1:07:20) The practical implications for estate planning and multi-generational wealth projections.  (1:08:30) Why better simulation methods are especially important for concentrated and alternative investments.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)  

Key Highlights from the Episode: 0:00 – Introduction 1:02 – Should I stay or should I go next year?   2:27 – Why Q4 is often the best time to transition   3:59 – How holidays and client schedules factor into timing   5:35 – Deferred comp considerations for advisors   10:23 – Why firms sweeten deals in Q4 to hit quotas   12:48 – The myth of the “perfect” time to move   14:42 – Leveraging holiday parties and events for client communication   17:08 – Why every advisor's timing decision is unique   23:12 – Emotional readiness vs. waiting too long   25:27 – Rip the Band-Aid off: once you decide, just go   27:09 – Risks of delaying and firm pushback   28:11 – How to connect with Frank & Stacey   Resources: Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.com JEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

Prenups are not just for the wealthy, and the number of Americans who are entering into them is on the rise. Attorney Marcy Katz, partner at Pryor Cashman, explains what they are, why you might want one, and how to start a conversation about securing one before tying the knot. Image by Juan Ruiz Paramo/iStock via Getty Creative Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa discuss the unique financial planning challenges airline pilots face and the strategies that can help them manage taxes, retirement planning, and long-term financial risk. With career paths shaped by seniority, fluctuating income, mandatory retirement ages, and specialized benefit structures, pilots often require a more customized approach to financial planning than traditional professionals.Paul and Jordan break down the complexities of deferred compensation plans, retirement account coordination, concentrated company stock exposure, and FAA-related career risks. They also explore the importance of cash flow management, disability planning, and the balance between tax-deferred savings and future tax liabilities. Drawing on years of experience working with aviation professionals, the episode provides practical insights into how pilots can build financial stability while navigating the unique demands of the airline industry.In this episode: ● Why airline pilots require specialized financial planning ● The impact of seniority, overtime, and career transitions on income ● Understanding deferred compensation and retirement plan complexities ● Risks associated with concentrated company stock positions ● FAA medical requirements and mandatory retirement considerations ● Why emergency reserves and disability planning are critical ● Balancing taxes, retirement income, and long-term investment strategyThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

The five highest global uncertainty readings since the 1980s have all occurred in the last five years. And yet the answer Wall Street keeps selling -- products that promise upside without downside -- is mathematically impossible and provably underperforms over time. Simone Stolzoff, author of How to Not Know, spent years studying how people, companies, and investors navigate uncertainty well. His findings are the opposite of what the financial industry is selling you right now.What You'll Walk Away WithWhy our tolerance for uncertainty is declining -- and the specific role smartphones and real-time data have played in making investors more anxious and worse at decision-makingThe anchor framework: how certainty in some areas of your life makes it dramatically easier to hold uncertainty in others -- and what that means for how you build a financial planThe Slack origin story -- how a gaming company at the peak of its success chose to shut down and pivot into the unknown, and what that teaches about staying open to what might emergeWhy Warren Buffett and the best venture capitalists actively seek uncertainty -- and how confusion between uncertainty and danger costs most investors real moneyThe kill criteria concept borrowed from mountain climbing -- and how pre-committing to rules before the emotion hits is the only reliable way to prevent catastrophic decisionsOne-way doors versus two-way doors: the Jeff Bezos framework for knowing when to agonize over a decision and when to just actWhy buffer ETFs are mathematically required to underperform broad index funds over time -- and the one question that exposes every "downside protection" pitch instantlyOG's case for looking at your portfolio as rarely as possible -- and the surprising thing that happened when he checked his mortgage balance after months awayWhy building a financial plan around your actual goals makes the daily market headlines genuinely irrelevant -- not as a coping strategy, but as a logical outcomeKathy's story: what a special education teacher who maxed her Roth IRA every year from 1998 to 2024 has in her account todayWhy This Matters NowMarkets will always be uncertain. Headlines will always be alarming. The question isn't how to make that stop -- it's how to build a life and a plan sturdy enough that it doesn't matter. This episode is the clearest case we've made for why your financial plan is more important than your portfolio, and why the two are not the same thing.From the BasementSimone Stolzoff joins Joe and OG to unpack the psychology of uncertainty -- including a couple who took a year apart to figure out if they wanted to stay married, a software engineer who programmed an app to make all his life decisions, and the monk who said not knowing is the most intimate thing of all. The Investment News headline about clients wanting "headline-proof portfolios" gives OG a full platform to explain why buffer ETFs are a product designed for the advisor's book of business, not your retirement. Doug arrives with Wild Bill Hickok trivia. Kathy from the community sends a note that should be required reading for every Gen X stacker who thinks they're behind.Resources MentionedHow to Not Know: The Value of Uncertainty in a World That Demands Answers by Simone Stolzoff -- available wherever books are sold; early readers receive an invitation to an exclusive event with Michael LewisSimone Stolzoff -- simonestolzoff.comInvestment News -- "Advisors say more clients are seeking to headline-proof their portfolios" by Greg Greenberg; linked at stackingbenjamins.comStacking Benjamins Episode 1840 -- "Why 67% of Americans Fear Running Out of Money More Than Dying"; stackingbenjamins.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking 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.

In this episode, retirement expert Roger Whitney and Marie Kondo consultant Dr. Lindsey Hardegree explore the transformative power of decluttering. They discuss how clearing physical and emotional clutter can pave the way for a joyful and intentional retirement. Lindsey shares practical strategies from the Konmari method, focusing on identifying what truly sparks joy and letting go of the rest. This conversation is perfect for anyone looking to simplify their life and embrace a clutter-free future. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger previews the episode, announces the June 18 Noodle Live event, and introduces the final installment of the decluttering series.PRACTICAL PLANNING SEGMENT WITH LINDSEY HARDEGREE(03:15) Roger frames retirement as a major life transition and explains how clutter extends beyond possessions into finances, commitments, and relationships.(06:40) Lindsey introduces the KonMari framework and explains why the first step is creating a clear vision for your ideal life before getting rid of anything.(09:14) Lindsey shares common scenarios that prompt people to seek out an organizer.(12:18) Roger and Lindsey discuss practical ways to define what you want your environment and future life to feel like.(15:31) Lindsey explains emotional attachment, sunk costs, and why gratitude can help people let go of possessions tied to previous seasons of life.(18:12) Why decluttering by category—not room—creates better long-term results and why sentimental items should come last.(25:00) Club members discuss challenges involving spouses, differing organizing styles, and when outside help may be more effective than family support.(30:53) Lindsey addresses difficult situations involving aging parents, inherited belongings, and navigating sentimental attachment during life transitions.(33:01) The discussion shifts toward handling deeply personal and sentimental items, including family keepsakes, clothing, photos, and children's memorabilia.(50:41) Lindsey explains why organization systems should fit the person using them and how overly rigid systems can create frustration instead of simplicity.(55:21) Resources and advice for finding professional organizers and deciding when support may be helpful.SMART SPRINT(59:27) Pick one very small category of personal items—pens, office supplies, coffee mugs, hair clips, or something similar—and spend time decluttering only that category. Focus on building momentum and decision-making reps rather than trying to organize everything at once.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleMarie Kondo's Konmari MethodKonmari Certified OrganizersNational Association of Productivity & Organizing Professionals (NAPO)Book: The Life-Changing Magic of Tidying Up by Marie KondoNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

I sat down with Stu McLaren to unpack something I think a lot of financial advisors are missing right now…Your value isn't just in the financial plan. It's in the relationships, community, and sense of belonging you create around your clients. Stu built one of the earliest online membership businesses, sold it successfully, and has spent years helping entrepreneurs build thriving communities that people never want to leave. In this conversation, we talk about what advisors can learn from that world—and why retention has less to do with performance reviews and more to do with human connection. We also go deeper into the emotional side of money, why so many successful people keep moving the goalposts, and how advisors can stop overwhelming clients with information and start creating real momentum instead. And beyond business, Stu shares one of the most powerful mindset shifts around money and impact I've heard in a long time. From building schools in Kenya to creating unforgettable experiences for others, this conversation is a reminder that business can become a vehicle for something much bigger than yourself.3 of the biggest insights from Stu McLaren…#1.) Community Is the Moat That Protects Your BusinessStu explains why relationships and belonging are becoming more valuable than information—especially in a world where AI is making knowledge easier to access. Advisors who intentionally create connection between clients build deeper loyalty, stronger retention, and a business competitors can't easily replicate.#2.) Clients Don't Need More Information, They Need SimplicityA lot of advisors accidentally overwhelm clients by trying to explain everything at once. Stu shares how creating a simple “success path” helps clients focus on the next right step instead of getting buried in spreadsheets, projections, and complexity.#3.) Money Becomes More Meaningful When It Fuels ImpactStu opens up about the mindset shift that changed his relationship with money forever. Instead of feeling guilty about success, he realized that making more money gave him the ability to create more impact—for charities, communities, friends, and families around the world.Free Gift:Get access to Stu's book, Predictable Profits.SHOW NOTEShttps://bradleyjohnson.com/170FOLLOW 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.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures?  Looking for a financial planner?  → PlanWithJesse.com In this episode, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of only defining success, investors should first identify how retirement plans fail and then design strategies to avoid those outcomes. He introduces a framework of 14 retirement risks and focuses on the first seven: longevity risk, inflation risk, household risk, market risk, sequence of returns risk, withdrawal risk, and health risk. Longevity risk is framed as the danger of outliving assets. Inflation risk is described as the gradual erosion of purchasing power, with equities and TIPS offering partial protection while cash and bonds provide stability at the cost of real returns. Household risk centers on coordination between partners, emphasizing survivor planning, shared understanding of finances, and alignment on spending and documentation. Market risk is presented as unavoidable and inseparable from long-term investing, managed primarily through time, rebalancing, and disciplined behavior. Sequence of returns risk highlights the disproportionate impact of poor early-retirement market performance, with cash and bond buffers used to mitigate early withdrawal pressure. Withdrawal risk focuses on spending levels that are too high relative to portfolio size, while health risk underscores that physical and cognitive decline can ultimately matter more than financial outcomes, making long-term health investment a critical component of retirement planning. Key Takeaways: • Retirement planning is improved by focusing on failure modes first. • Longevity risk is the danger of outliving retirement savings. • Inflation risk reduces purchasing power over long retirement horizons. • Household risk stems from misalignment or loss within a couple or family. • Market risk is unavoidable in exchange for long-term returns. • Sequence of returns risk is most dangerous early in retirement. • Withdrawal risk occurs when spending exceeds sustainable portfolio levels. • Health risk can undermine retirement quality regardless of wealth. Key Timestamps: (01:07) – Charlie Munger During WWII (03:13) – Quick Overview (09:40) – 1: Longevity Risk (15:17) – 2: Inflation Risk (19:17) – 3: Household Risk (23:39) – 4: Market Risk (27:31) – 5: Sequence of Returns Risk (31:48) – 6: Withdrawal Risk (33:30) – 7: Health Risk Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e126/ https://bestinterest.blog/e87/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success by Wade Pfau Wade Pfau chart: https://www.advisorpedia.com/media/2024/2/Sequence_of_returns_risk.png https://open.spotify.com/episode/1ox7hbv5uhG3bHsIzf2Cfk?si=keUGIC4uSfOoEl4VrcpbPg   https://bestinterest.blog/e122/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

This podcast episode explores the current state of the housing market, highlighting a 9% decline in home sales and the resulting pressure on policymakers. James Derrick, President of Smedley Financial and a financial strategist, discusses potential solutions, including increasing housing supply, allowing 401k funds to be used for home purchases, and federal involvement in mortgage-backed securities to reduce interest rates. The conversation also touches on innovative financing ideas like the 50-year mortgage and portable mortgages, though these face significant hurdles. While cautioning against using home equity to fund retirement, James emphasizes the importance of maintaining affordable, stable housing to support the overall economy. 

What actually happens after you sign on with a financial advisory firm? For most dental practice owners, the reality is a fragmented mess of disconnected CPAs, brokers, and advisors who never speak to one another.In this episode of The Millionaire Dentist, Casey Hiers and Jarrod Bridgeman sit down with Stacy Phillips, CFP, and Director of Financial Planning at Four Quadrants Advisory, to pull back the curtain on a completely different model. We walk through the exact journey a practice owner takes from their very first day as a client, moving from initial apprehension to total financial clarity.In this episode, we pull back the curtain on:The Indianapolis Experience: A look inside our curated client experience, from chauffeur service to an intensive, 4-to-5-hour annual meeting designed to turn over every stone of your personal and business finances.Taking 90% Off Your Plate: Why we don't just hand you a template and leave you to execute it. From sourcing bank financing to applying the "$5,000 rule," we handle the heavy lifting.The $15M Retirement Shift: How shifting from a fragmented model to a coordinated, monthly strategy can elevate a standard $3M to $4M retirement trajectory into the $15M to $20M range.Real Numbers, Real Success: Dramatic case studies of clients doubling their income, quadrupling their annual savings, and the story of one practice owner who retired completely at age 49.The Mindset of Wealth: Navigating critical wealth-building shifts, like prioritizing systematic investing over rapid debt payoff, and why running a practice doesn't leave room for day trading.Discover what happens when your business advisory, accounting, and personal financial planning share a single, unified vision for your life.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Asking for help with your money might be the hardest thing you ever do. Not because the math is hard. Because it means someone is finally going to see the truth.In this episode, Kristina Hall gets brutally honest about what it actually feels like to hand your financial life to someone else. The tax returns. The bank statements. The P&Ls. The credit cards. All of it, at once. She sat on that document request for almost two years before she hit send. Two years of "that's tomorrow's problem" while the hole got deeper.We get into the advisors who shoved product at her when she asked for tax help. The referrals that left her feeling unseen and not understood. The childhood programming that says you stand on your own two feet and never ask anybody for shit. And the exact moment she realized she either opened up her books or closed the doors on her business.Here's the part nobody tells you. Her situation hasn't magically changed. She's still in it. But she feels safe now. She has a net. When she loses a client, it stings, but it doesn't bury her anymore. That's the difference between doing the work and digging the hole.If you're a business owner sitting on an email you've been avoiding, this one's for you. Stop hiding from your money. Submit the damn documents. And if you don't have a person in your corner, Kristina and I will be that person. Just reach out.If this hit home, drop a comment. Tell me where you're feeling it most. I read every single one.New episodes every week on Spotify, Apple Podcasts, and YouTube. Subscribe so you never miss a real conversation.

Questions to Ask Yourselves for Future Financial Planning - Join Certified Financial Planners Greg Cooley and Bubba Labas on another episode of Advisors' RoundTable!

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the market still hitting all-time highs, if she believes the bull market will continue, the essence of financial planning, and to answer all of your financial questions.

Today we're talking about something many families know they need to think about—but often don't know where to begin: financial planning for children with disabilities. My guest is Mary McDirmid, a Chartered Special Needs Consultant and the co-founder and COO of All Needs Planning, a nationwide firm built by caregivers, for caregivers. In our conversation, Mary walks us through why proactive planning matters so much and what it can actually look like in practice. We talk about creating comprehensive care plans, protecting essential benefits, and building a long-term vision that supports not just financial security, but overall well-being. This is an empowering, practical conversation designed to help families feel more prepared, more informed, and more confident about the future. About Dr. Devon Price  Mary McDirmid, ChSNC, is the COO and co-founder of All Needs Planning — a nationwide financial planning firm built by caregivers, for caregivers. A Chartered Special Needs Consultant, Mary brings both professional expertise and lived experience as a parent navigating the special needs journey. She specializes in helping families create comprehensive plans that address the financial, legal, and care needs of loved ones with disabilities — from diagnosis through adulthood and beyond. Mary is co-author of the upcoming book Care, Protect, Grow: A Guide to Building Lasting Security for Your Loved One with Special Needs (Wiley, May 2026), which provides a compassionate, step-by-step roadmap for families facing the question of “what happens when I'm no longer here?” Things you'll learn from this episode   Why early, ongoing planning is essential for families raising children with special needs How the Care, Protect, and Grow framework supports a comprehensive, long-term vision for care How creating and regularly updating care plans ensures continuity and security for loved ones Why involving siblings and considering long-term roles is an important part of the planning process How active advocacy and participation shape more effective, personalized support systems When and how to begin these conversations so families feel prepared rather than overwhelmed Resources mentioned Mary McDirmid's website Care, Protect, Grow: A Guide to Building Lasting Security for Your Loved One with Special Needs by Mary McDirmid Book a free meeting with Mary Care, Protect, Grow (on Mary's website) All Needs Planning Learning Lab ABLE National Resource Center Learn more about your ad choices. Visit podcastchoices.com/adchoices

Retirement fear isn’t about numbers—it’s about not knowing where your paycheck comes from. This episode with Damon Roberts & Matt Deaton breaks down why running out of money still tops the worry list and how income strategies beyond the 401(k) can reshape confidence. From pensions disappearing to creating personal income streams, the conversation centers on turning savings into stability. Plus, insights for small business owners on tax efficiency and long-term planning. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The “Henssler Money Talks” hosts take a practical look at emergency funds, including how liquid they really need to be, whether keeping everything in cash still makes sense, and what truly qualifies as a financial emergency. They also discuss realistic strategies for building a reserve over time when balancing competing priorities like debt repayment, investing, and retirement savings.Original Air Date: May 23, 2026Read the Article: https://www.henssler.com/before-you-chase-returns-build-reserves

Send us Fan Mail"Hacks" are everywhere, including an article I recently read concerning the Trump account "hack" that could turn small savings into a tax-free fortune. After reading the article, I felt it was technically correct, but disingenuous. It is not practically feasible for most people. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Everyone wants to know the magic savings number. Is it 10%? 15%? Half your paycheck while eating ketchup packets in the woods?In this Memorial Day basement hangout, Joe, OG, Doug, and Len Penzo cut through the personal finance nonsense and tackle the real question:How much should YOU actually save?Instead of guilt trips and impossible rules, the crew breaks down how real people build wealth while still enjoying life along the way. From automation tricks to lifestyle creep to using raises strategically, this episode is packed with practical ways to grow your savings without becoming financially miserable.Plus:Why most savings advice completely falls apart in real lifeThe easiest way to increase your savings rateHow automation quietly builds wealthWhy your income matters more than coupon clippingThe surprising power of “future you”Estate planning basics you absolutely should not ignoreWhy beneficiary forms matter more than your willDoug learns what “intestate” means… and thankfully it's less gross than he thoughtWhether you're just getting started or trying to level up your financial plan, this episode helps you stop chasing perfect numbers and start building momentum.Key TakeawaysWhy there's no “perfect” savings rateHow to increase savings without wrecking your lifestyleThe psychological mistake that keeps people from savingWhy small automated habits beat big dramatic changesThe best places to find extra money fastHow raises can supercharge wealth buildingThe truth about lifestyle creepEstate planning basics everyone needsWhat happens if your beneficiaries are outdatedWhy trusts aren't just for wealthy people Resources Mentioned in This EpisodeFeatured Tools, Guides & ResourcesThe Vault Budgeting App Simplify budgeting, subscriptions, spending, and automation.

Are you part of the sandwich generation? In this episode of the Wise Money Show, we discuss how to navigate the financial pressure of supporting both aging parents and adult children at the same time. From retirement planning and long-term care concerns to helping kids through college and early adulthood, we break down the financial tradeoffs and planning strategies that can help you move forward with clarity and confidence. Season 11, Episode 40 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.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/yJ9YP6r4yKY  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.

The “Henssler Money Talks,” hosts focus on the financial decisions that sit at the intersection of planning, technology, and uncertainty. From emergency savings strategies to the growing role of artificial intelligence in personal finance, the conversations all center around one question: how should investors balance convenience, opportunity, and financial discipline in a rapidly changing environment?We begin with a practical look at emergency funds — how liquid they really need to be, whether keeping everything in cash still makes sense, and what truly qualifies as a financial emergency. We'll also discuss realistic strategies for building a reserve over time when balancing competing priorities like debt repayment, investing, and retirement savings.From there, we explore the rise of AI-driven financial guidance as more investors turn to algorithms for budgeting, portfolio analysis, and planning advice. As artificial intelligence becomes more sophisticated, does it replace advisers — or simply make investors more informed before seeking professional guidance? We'll examine where technology can help, where human judgment still matters, and what the future of financial advice may look like as automation becomes more common.We'll also close the episode with our thoughts on the week's market action, where markets stand year-to-date, and the economic backdrop investors continue to watch as earnings season winds down and interest-rate expectations remain in focus.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 — May 23, 2026  |  Season 40, Episode 21Timestamps and Chapters5:47: How Liquid Should Your Safety Net Be?19:14: Cash, Crises & Contingency Plans31:35: Your Adviser vs. The Algorithm45:10: Year-to-Date on Wall Street 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

Everyone's talking about what AI is going to disrupt. The question most investors aren't asking: What happens after that disruption, and who actually wins? The obvious answer and the right answer are rarely the same thing. In this episode, Greg introduces a framework he first encountered through Howard Marks: first-level vs. second-level thinking. First-level thinking reacts to what's in front of you. Second-level thinking follows the chain of consequences and the ripple effects most people ignore. In an era where AI can reshape an industry in months, the gap between those two ways of thinking has never been more costly to ignore.From there, Greg walks through real portfolio positions—Intel (INTC) and Accenture (ACN)—to show how second-level thinking plays out in practice. He also runs through a handful of names—Union Pacific (UNP), UPS (UPS), GE Vernova (GEV), Chevron (CVX), Lockheed Martin (LMT), General Dynamics (GD), Johnson & Johnson (JNJ), and Merck (MRK)—to illustrate which kinds of businesses AI threatens, which ones it quietly strengthens, and why some of the most "boring" dividend stocks may be the most defensible investments of the next decade. The core argument: brands, software, and moats built on perception are vulnerable. Logistics, infrastructure, and physical production are not, and AI may actually make them stronger.Topics Covered:[00:41] Introduction & why AI matters for dividend investors [04:47] First-level vs. second-level thinking — the Howard Marks framework [08:43] AI is accelerating disruption — and may be technology's own worst enemy [11:21] Are strong brands and moats as durable as we thought? [13:50] Why physical infrastructure may be the best AI defense [15:19] Intel ($INTC) — patience, conviction, and the US chip story [18:16] Accenture ($ACN) — the market's fear may be first-level thinking [22:21] Union Pacific ($UNP), UPS ($UPS) — logistics AI can't replace [24:27] Rapid-fire second-level takes: GEV, CVX, LMT, GD, JNJ, MRK [28:08] Final takeaway: the game has changed, sustainable dividend growth requires a new lens Send us Fan Mail________ Disclaimer: Past performance does not guarantee future results. This episode is for educational purposes only and is not investment advice.________ RESOURCES:Schedule a meeting with us: Financial Planning & Portfolio Management Getting into the weeds: DCM Investment Reports & ModelsIf you enjoy the show, we'd greatly appreciate it if you subscribe and leave a reviewFollow us on:Instagram | Facebook | LinkedIn | X

Prices are up. Budgets are tighter. And people are making some surprising choices about what stays and what goes. The woman skipping the new laptop and the graduation dress is still booked for a Disney cruise, a Bruno Mars concert, and a trip to Lake Erie. It turns out inflation doesn't just squeeze your wallet -- it forces a conversation about what you actually value. Joe, OG, Paula Pant, and Doc G dig into where people are drawing the line, why experiences outlast stuff in the happiness research, and what each of them refuses to give up no matter what.What You'll Walk Away WithWhy people cut the easy stuff first -- and why that strategy relieves anxiety without actually solving the budget problemThe research behind experiences vs. stuff: why the memory of a trip gets rosier over time while objects depreciate in more ways than oneDoc G's spending happiness continuum -- from stuff to experiences to becoming a better version of yourself, and why the last one costs the leastWhy OG's DoorDash experiment was a two out of ten in year-to-date success -- and why four people pulling the rudder in the other direction mattersThe "build from zero" budget reframe that feels more empowering than cutting from the top downOne roundtable member's rule that nothing is ever truly off the table when cash gets tight -- including the house and the private schoolWhat each panelist will never go cheap on -- and one answer involving prescription medications that lands differently than you'd expectThe expenses that are dead to each of them -- and where Joe, OG, Paula, and Doc G land on first class flights and DoorDashWhy the client who cut all Christmas spending had the best holiday season of their lifePapa John's quarterly earnings data that tells you exactly how inflation is changing behavior at the menu levelWhy This Matters NowIf you're in your 40s and you've started quietly trimming things -- streaming services, delivery apps, clothing budgets -- but haven't touched the bigger stuff, this episode names what's actually happening. The question isn't whether to cut. It's whether the things you're cutting are the ones that matter least. That's a values conversation, not a math conversation, and this roundtable is one of the better ones the basement has had.From the BasementJoe, OG, Paula Pant, and Doc G dig into a Wall Street Journal piece on how Americans are changing their spending habits -- and the conversation quickly becomes about what money is actually for. OG reports that his attempt to eliminate DoorDash from the family budget has been going poorly. Doc G went to Bali in coach. The year-long trivia competition takes a dramatic turn as OG's precise mathematical reasoning leads everyone to the wrong answer -- and Doc G wins by going lower. Johnny Carson's guest host strategy turns out to be the missing variable nobody accounted for.Resources MentionedWall Street Journal -- "Where Americans Are Drawing the Line on Price Increases" by Rachel Wolff; linked at stackingbenjamins.comAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&AEarn and Invest podcast -- Doc G (Jordan Grumet); recent episode with Carrie Jorn Grimes on The Joy of MoneyStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking 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.

Qualified Charitable Distributions, or QCDs, can be one of the most tax-efficient strategies available for retirees with IRA assets. But are they always the right move? Richard Rosso and Jonathan McCarty break down the pros and cons of QCDs, including how they interact with Required Minimum Distributions (RMDs), adjusted gross income (AGI), Medicare IRMAA surcharges, Social Security taxation, Roth conversions, and estate planning strategies. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Texas Tree Roaches & Market Commentary 4:08 - AI Data Centers & Anti-AI Mentalities & Other Observations 16:23 - How AI Tools Can Help 19:04 - Qualified Charitable Distributions 21:13 - Falling Into the Widows' Trap 23:38 - Age Requirements of QCD's 29:46 - How QCD's Work 31:57 - What is Your Charitable Intent? 34:26 - Looking at QCD Limits 36:31 - "The Process is Clunky" - Ed Slott 41:09 - Who Benefits from QCD's? 43:40 - Dynaminc Learning Series - SimpleVisor Nerd Alert 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/PdNwnrviYnQ?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Pause Before Summer Rally?" here: https://youtu.be/oWiPrlAYz5A ------- Watch our previous show, "The AI Economy Beyond The Hype" https://youtube.com/live/TeIhoqBT8dg ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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 #QCD #Taxes #IRA #FinancialPlanning

What happens when a former police officer turns his life experience into a mission to help others build financial freedom and peace of mind?In this powerful episode of Conversations with Rich Bennett, Rich sits down with Paul Applegate, Financial Advisor with Edward Jones, to talk about budgeting, retirement planning, investing, emergency funds, and the emotional side of money. Paul shares his deeply personal journey from law enforcement and PTSD to helping families, first responders, veterans, and business owners take control of their financial future.This episode goes far beyond stocks and retirement accounts. It's about creating options, reducing stress, and building a life where you're no longer financially trapped.In this episode, you'll learn: Why emergency funds are critical  The biggest financial mistakes people make  How compound interest really works  Why budgeting still matters  How to stay calm during market volatility Connect with Paul Applegate: Phone: 410-939-5270 Email: Paul.Applegate@EdwardJones.comSpecial thanks to Freedom Federal Credit Union for sponsoring this episode.If you enjoyed this episode, please subscribe, leave a review, and share it with someone who could benefit from this conversation.Send us Fan MailCelebrate the Magic of Words in Bel Air, Maryland!https://bookfairatbelair.org/Paul ApplegatePaul offers No Cost No Obligation Retirement Check Ups and Consultations.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showRate & Review on Apple Podcasts Follow the Conversations with Rich Bennett podcast on Social Media:Facebook – Conversations with Rich Bennett Facebook Group (Join the conversation) – Conversations with Rich Bennett podcast group | FacebookTwitter – Conversations with Rich Bennett Instagram – @conversationswithrichbennettTikTok – CWRB (@conversationsrichbennett) | TikTokSponsors, Affiliates, and ways we pay the bills:Hosted on BuzzsproutSquadCastSubscribe by Email

A Recruiter She Never Asked for Advice from Told Her to Lower Her Ambitions. It Derailed Her for Months. What Geetanjali Learned About Who Gets to Define Your Ceiling. She was doing great work, getting strong reviews, and waiting for someone to recognize she was ready for the next level. Nobody came. Finally, she went and asked. They said: "Yeah, we think you're ready." She walked away with one permanent lesson: no one knows where you want to go unless you tell them. Your manager cannot promote you toward a goal they don't know you have. Geetanjali is SVP of Financial Planning and Analysis at Ceridian, and she has built her career across multiple industries, companies, and cities, often following her spouse's career moves and rebuilding her network from scratch each time. She has been told she had no career path because of a commute. She has had a recruiter give her unsolicited opinions about her ceiling — someone who had never worked with her and didn't even have a position for her. Both times, she fact-checked herself, pushed back, and moved forward. In this episode, she gets specific about how. You'll learn: Why she walked out of her first promotion conversation wondering why her manager didn't just offer it, and the mantra she built from that moment: "I own my career." How she separates "I can't do this" from "I don't want to do this" — a distinction her husband called her out on, and one that completely changes how you diagnose self-doubt. The worst-case scenario mindset she uses every time asking feels too risky: maximum they say no, and then at least you know exactly what you need to work on. The recruiter who told her to stay put and aim lower, without her asking for any of that advice, and how she spiraled — until she realized: this person has never worked with me, doesn't know what I do, and has no position for me. Why am I listening? The manager who told her she had no career because she was commuting. How she found a better position, and what she said in her exit interview when the CFO asked why she was leaving. How she negotiated leaving at 5 PM sharp with a male manager who was more supportive than she expected — and why building trust first is the prerequisite for every other ask. Her salary negotiation rule, applied to every job offer she has ever received: never accept in one go, always go back at least once, and negotiate the full package not just the base number. How she leads her team by modeling openness about her own mistakes first, which makes it safe for her team to take risks and tell her when she is wrong. Her networking approach: stay in touch with mentors even after years of silence, get involved in community organizations when you move cities, and commit to one lunch a month with someone new. About Geetanjali: SVP of Financial Planning and Analysis at Ceridian, Geetanjali has built a finance leadership career across multiple industries and cities. She is a dual-career couple partner, working mom, woman of color from India, and active member of the Association of Financial Professionals.

Qualified Charitable Distributions, or QCDs, can be one of the most tax-efficient strategies available for retirees with IRA assets. But are they always the right move? Richard Rosso and Jonathan McCarty break down the pros and cons of QCDs, including how they interact with Required Minimum Distributions (RMDs), adjusted gross income (AGI), Medicare IRMAA surcharges, Social Security taxation, Roth conversions, and estate planning strategies. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Texas Tree Roaches & Market Commentary 4:08 - AI Data Centers & Anti-AI Mentalities & Other Observations 16:23 - How AI Tools Can Help 19:04 - Qualified Charitable Distributions 21:13 - Falling Into the Widows' Trap 23:38 - Age Requirements of QCD's 29:46 - How QCD's Work 31:57 - What is Your Charitable Intent? 34:26 - Looking at QCD Limits 36:31 - "The Process is Clunky" - Ed Slott 41:09 - Who Benefits from QCD's? 43:40 - Dynaminc Learning Series - SimpleVisor Nerd Alert 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/PdNwnrviYnQ?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Pause Before Summer Rally?" here: https://youtu.be/oWiPrlAYz5A ------- Watch our previous show, "The AI Economy Beyond The Hype" https://youtube.com/live/TeIhoqBT8dg ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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 #QCD #Taxes #IRA #FinancialPlanning

All Home Care Matters and our host, Lance A. Slatton were honored to welcome Seth Low-Tufo as guest to the show.   About Seth Low-Tufo, Chief Financial Officer & Chief Operating Officer at A Place for Mom:   As Chief Financial Officer and Chief Operating Officer of A Place for Mom, Inc., Seth Low-Tufo is focused on strengthening core operating processes and identifying opportunities to grow the business profitably. He is responsible for all aspects of the company's Finance function, including strategic planning, investor relations, controllership, accounting, tax, liquidity management, and treasury operations. In addition, Seth is responsible for the company's Legal, Human Resources, and Data & Analytics functions.   Seth is an experienced leader with proven ability to drive transformational change. He joined A Place for Mom following more than a decade at GE. Most recently, Seth was CFO of GE's Onshore Wind Americas business, the leading manufacturer of wind turbines in the U.S. In this role, he rebuilt the finance function and helped drive 50% revenue growth while improving operational efficiency and accountability. Earlier in his career, Seth was the Financial Planning leader for GE Capital's $200 billion asset disposition process and head of Pricing for its $90 billion commercial lending and leasing business. Seth earned a bachelor's degree in mathematics and economics from Wesleyan University.     About A Place for Mom:   A Place for Mom is the leading platform that guides families through every stage of the aging journey. We simplify the search for senior care by offering free, personalized support—and when families are ready, we refer them to partners from our network of over 15,000 senior living communities and home care agencies.   Our mission is to guide caregivers and their loved ones to a confident place, so families can focus on what matters most: their love for each other.

What if some of the most popular financial advice is actually wrong? In this episode, we share our biggest financial hot takes! Austin, Josh, Jordan, and Chase talk through controversial opinions on budgeting, debt, investing, career choices, and wealth-building strategies that challenge conventional wisdom and spark real conversation. Whether you agree or completely disagree, it might make you think differently about money, retirement, and the habits that truly create long-term wealth!For the video version, show notes, and transcript, visit thewealthmindsetshow.com/s2e37Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

Send us Fan MailOn this episode, I'm joined by Aaron Bates, Head of Bernstein's Ultra-High-Net-Worth practice. We discuss some of the key findings from his team's recent research study on how families think about wealth, as well as some of the more emotionally charged issues for wealthy families. Aaron discusses what he learned from speaking directly with UHNW families through the extensive research process. He shares how the desire and need for financial privacy can lead to a feeling of isolation; how a liquidity event or transaction can create questions around identity; as well as how to talk about money with the next generation.Any questions or comments, or to discuss your own financial situation, I can be reached at marc.penziner@bernstein.com or 212-969-6655.The information presented and opinions expressed are solely the views of the podcast host commentator and their guest speaker(s).  AllianceBernstein L.P. or its affiliates makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor's personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation.

Every family knows the feeling. You spend $1,000 to get everyone to the happiest place on Earth, and by 1:30 someone's crying, someone's sunburned, and somebody just paid $18 for a hotdog. Robert Niles from Theme Park Insider (the site that Robert jokes AI is pulling all its theme park data from) comes back to the basement to help you avoid that fate. This year he's also got strong opinions on which park is winning summer 2026, and it's not the one you'd expect.What You'll Walk Away WithWhy the biggest theme park mistake families make has nothing to do with the park -- and everything to do with who's in the crew going with youWhich park Robert says is winning summer 2026 -- including a brand-new attraction that combines rollercoaster, dark ride, and water ride into one experienceThe quick game: lightning lane passes, VIP tours, park hoppers, character breakfasts, fireworks packages, meal plans -- worth it, skip it, or depends?Why Tokyo DisneySea is boss-level theme parking -- and the specific 10-minute window that determines whether you get on the top rides or wait four hoursThe sleeper parks most families overlook -- including one with a water park included in the ticket price and another that Herschend hasn't bought yetHow to use the Theme Park Insider community to find the actual strategy for any park before you arrive -- written by real visitors, not AIWhy sit-down air-conditioned lunch in the middle of a hot park day might be the best $40 you spend all summerThe over-planning trap -- and why having a plan matters less than being willing to abandon itWhat a Netflix show taught CNBC about health insurance deductibles -- and why one in four Gen Z adults still doesn't know what a deductible actually isThe HSA trap hiding inside high-deductible health plans -- and why choosing the cheaper plan can end up costing you far moreWhy This Matters NowSummer is when families spend real money on experiences that either become great memories or expensive regrets. A little planning separates the two more than most people think -- and the same principle applies to health insurance. Both conversations in this episode are about making sure the money you spend on your family actually delivers what you paid for.From the BasementRobert Niles from Theme Park Insider joins Joe and OG to kick off summer 2026 -- and Joe finally confesses that going to Dollywood last year changed his life. The headline segment tackles a CNBC piece inspired by the Netflix show Beef, which turns into a genuinely useful conversation about deductibles, HSAs, max-out-of-pocket numbers, and when the high-deductible plan is actually the wrong choice. Doug arrives with Formula Rossa trivia and a strongly worded editorial about what counts as a complete meal. The back porch features perhaps the best parenting post the basement has ever produced.Resources MentionedTheme Park Insider -- themeparkinsider.com; reviews, trip planning guides, and community discussion boardsBeef on Netflix -- referenced for the deductible explainer segmentCNBC health insurance article by Annie Nova -- linked at stackingbenjamins.comStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking 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.

Roger Whitney continues the decluttering series by focusing on the hidden challenges that keep people stuck. Rather than treating decluttering as a massive life overhaul, he explains how perfectionism, emotional attachment, deferred decisions, and fear of change can quietly create friction across our belongings, finances, and relationships. The episode also tackles listener questions on market uncertainty, international investing, gray divorce, healthcare options like MediShare versus ACA plans, and longevity planning. It closes with an inspiring Rockin' Retirement in the Wild update from Beth, who shares how intentionally redesigning her life after burnout created a simpler and more fulfilling retirement.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger previews the episode, shares details about the upcoming Noodle Live event, and outlines the next phase of the decluttering series.PRACTICAL PLANNING SEGMENT(02:18) Roger introduces one of the biggest challenges of decluttering: making the process feel too overwhelming and believing it has to be done perfectly. (04:20) Roger explains why clutter often persists because it lacks urgency and people wait for a triggering event before taking action.(06:57) He explores the emotional and practical obstacles tied to physical possessions, including memories, unfinished projects, family heirlooms, and sunk costs.(10:34) Roger breaks down financial clutter and why accounts, relationships, taxes, and uncertainty can make simplification feel risky.(11:52) He discusses relationship clutter, including obligations, organizations, unhealthy dynamics, and the fear of disappointing others.(14:20) How do we overcome these challenges?LISTENER QUESTIONS(15:17) Roger answers a question about whether global sentiment toward U.S. leadership should impact international versus domestic investment allocation decisions.(24:43) A listener facing gray divorce asks for guidance, leading Roger to discuss grief, rebuilding identity, and creating a new vision for retirement.(29:05) Roger shares his experience using MediShare and discusses important healthcare considerations before choosing alternatives to ACA coverage.(33:13) Roger responds to listener feedback on longevity planning and balancing the risk of overspending versus running out of money.ROCKIN' RETIREMENT IN THE WILD(35:24) Beth shares an update on her retirement transformation after leaving a stressful healthcare career and intentionally creating a simpler life centered around flexibility, joy, and financial sustainability.SMART SPRINT(42:17) Identify the challenges you may face in decluttering your things, finances, or relationships and jot down one possible strategy to overcome each obstacle.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!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.

What if I told you there's a simple concept that could unlock exponential growth in your business, without adding more hours to your workweek?I've used this framework hundreds of times in coaching conversations, and it's created more breakthroughs than anything else I've ever shared with advisors.It all comes down to the value of an hour of your time.In this solo episode, I walk you through an eye-opening exercise to help you calculate what your time is really worth, and more importantly, what's stealing it. You'll discover how to delegate low-value tasks, free up your calendar for high-impact work, and scale your firm without sacrificing your personal freedom.3 of the biggest insights from Brad Johnson…#1.) The Hidden Number That Controls Your GrowthI break down a simple formula that calculates what an hour of your time is worth as a business owner, and why this number matters far more than most advisors realize.#2.) Get Non-Revenue Driving Work Off Your PlatePaperwork, service work, HR issues, and admin responsibilities are all important aspects of running a business, but they often pull founders away from the activities that deliver the best ROI. The more time you spend in low-leverage work, the harder it becomes to scale.#3.) The “Sue” Exercise That Changes How You Think About DelegationI share a powerful coaching framework that helps advisors realize they've already hired the most expensive employee in the business: themselves.SHOW NOTEShttps://bradleyjohnson.com/169FOLLOW 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.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You wake up, check your portfolio, and realize one stock has quietly become your entire retirement plan. Maybe it came from an employee stock purchase plan. Maybe Grandma left you a pile of Apple shares. Maybe you bought NVIDIA in 2012 because you liked the graphics card and forgot about it. However you got here, the problem is the same: one company now owns you. Joe and OG walk through exactly how to unwind it -- slowly, tax-efficiently, and without making the emotional decisions that cost people the most money.What You'll Walk Away WithThe four ways people end up with concentrated stock -- and which one has the easiest fix that most people skip entirelyWhy inheriting stock is actually the best time to diversify -- and the step-up in basis rule that eliminates most of the tax billThe conveyor belt strategy for employee stock purchase plans that keeps you collecting the discount without piling up company riskWhy "I'll just grow around it" almost never works -- and the math behind why your stock tends to outpace your ability to diversify around itThe question Joe asked every client in this situation: which outcome would upset you least -- and why that's the right starting pointRSUs as a paycheck, not a loyalty pledge -- and the mental reframe that makes it easier to sellWhat the Merck/Vioxx story teaches about why the tax bill is almost never the real reason to hold concentrated stockWhen a slow systematic sell makes sense versus ripping the Band-Aid -- and how to decide which one you can actually live withThe estate planning mistake that turns a free inheritance into a massive capital gains bill -- and why the $1 trick backfires every timeThe insurance planning framework OG and Anna walk through: life, disability, long-term care, and property/casualty -- including the umbrella policy most people skipWhy This Matters NowIf you've spent years building something -- through your career, through conviction, through an inheritance -- the last thing you want is to lose it all because one company had a bad quarter. The diversification conversation feels complicated, but the framework is simpler than most people think. The hard part isn't knowing what to do. It's making the decision when the stock is moving and your emotions are loud.From the BasementJoe and OG dig into concentrated stock risk -- how people get there, what it actually costs them, and the five strategies for getting out without making it worse. OG and Anna return for episode two of their financial basics series with a full insurance planning walkthrough -- including the disability insurance gap most people don't know they have. Doug arrives with Mount St. Helens trivia and a dryer situation that may or may not involve auto parts. Stacker Molly's car repair HSA story gets a full investigation and a satisfying resolution.Resources MentionedStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementYahoo Finance / CNBC insider trading tracker -- referenced for monitoring executive stock salesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.