Podcasts about investment fees

Are you just a number to your financial advisor—or do they actually know your story? This episode explores how personalized advice can differ from large firm experiences, especially as you approach retirement. Brandon Bowen shares a real client example to highlight how service, communication, fees, and tax considerations can impact financial decisions. The conversation focuses on the value of relationships, simplifying portfolios, and reviewing strategies as needs change over time. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Do you really need a million dollars to retire, or is that number misleading you? This episode explores why focusing on income, not account balance, reshapes retirement planning. The conversation breaks down how to build reliable monthly cash flow, uncover hidden investment fees that can quietly erode savings, and recognize key red flags when choosing a financial advisor. It also looks at how interest rate changes impact retirement income strategies and the risks of chasing yield in uncertain markets. With practical insights on structuring income, managing risk, and evaluating costs, this discussion highlights what matters most when turning savings into a sustainable retirement plan. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030See omnystudio.com/listener for privacy information.

Could your retirement plan be quietly costing you more than you realize? Steve Anzuoni breaks down the surprising pros and cons of moving retirement funds, including proposed changes to Roth IRA rules and what they could mean for your control and taxes. He highlights the hidden impact of fees, the importance of tax planning over guesswork, and why relying on workplace-only advice can lead to costly mistakes. Real-world examples show how small decisions can significantly affect long-term outcomes, emphasizing the value of education and informed strategies when approaching retirement. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

DeepSeek has made a permanent 75% discount on its flagship AI model, a move that accelerates the commoditization of AI and puts pressure on the entire AI infrastructure investment thesis. We examine what falling AI model prices mean for the companies building AI, buying AI, and investing in the picks-and-shovels of the AI boom.Today's Stocks & Topics: Tutor Perini Corporation (TPC), Market Wrap, Vanguard International Growth Adm (VWILX), SPDR Gold MiniShares (GLDM), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, International Business Machines Corporation (IBM), Quantum Computing Stocks, Investment Fees and Taxes, Eli Lilly and Company (LLY), Oil Prices this Summer.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Scribe and use my code scribe.how/invest for a great deal: https://scribe.comAdvertising Inquiries: https://redcircle.com/brands

A dead local meetup group attracted just 5 people to its first gathering at a brewery. Two years later, that same group draws 70+ attendees to structured educational sessions, with newcomers driving across multiple states to participate. The transformation reveals something most personal finance education gets fundamentally wrong. Introduction and St. Louis Group Overview [00:00:00] Jonathan and Brad welcome Kristen Knapp and Allen Hansen to discuss how the St. Louis ChooseFI group became one of the most thriving communities in the country. Rebooting a Dormant Community [00:08:30] Kristen shares how she transformed a dormant St. Louis group after attending Camp FI, starting with brewery meetups and evolving to structured case studies that dramatically increased engagement. The Genesis of FI 101 [00:15:45] The hosts discuss how new members needed basic FI education, leading to the creation of a structured FI 101 program that attracted 70+ attendees and continues to grow. Kristen's Journey to Part-Time Work [00:22:10] Kristen shares her 30-year broadcast meteorology career and how the FI community gave her the confidence to negotiate a part-time arrangement, creating space for her FI Friends Travel venture. Allen's Perspective on Giving Back [00:31:20] Allen discusses his motivation to help others after reaching FI himself, emphasizing that anyone can make mistakes and still succeed on the path to financial independence. Structuring FI 101 Content [00:38:00] The group breaks down the essential components of FI 101: defining financial independence, the shockingly simple math of early retirement, and the financial order of operations. The Importance of Your Why [00:45:30] Jonathan proposes that understanding your personal why for FI should be the foundation of any FI 101 program, making it more compelling than traditional personal finance education. Investment Fees and Opportunity Cost [00:52:15] Brad delivers a detailed breakdown of how investment fees can cost millions over a lifetime, using concrete examples to illustrate the importance of low-cost index funds like VTI. Action Items and Next Steps [01:05:40] Allen outlines the two critical action items for FI 101 attendees: tracking net worth and monitoring spending, while the group discusses cadence for ongoing educational sessions. Preview of FI 201 and Future Plans [01:12:00] The hosts wrap up by discussing plans for a second episode covering FI 201 content and how local groups can iterate and improve their educational programming. Notable Quotes "I created what I wished existed. Nobody else is going to do it. Why not me?" — Kristen Knapp "After fifteen years of marriage, we finally hit broke. I think that resonates with people. We did it all wrong with credit card debt, you name it." — Allen Hansen "You can't save your way to FI. It's just almost impossible. You have to invest those dollars." — Allen Hansen "FI is not this passive endeavor and FI is not just about the nuts and bolts of money. This is about a constantly evolving mental framework." — Brad Barrett "Being around other people on the same path is one hundred percent the reason I've been able to create this life, because I would have never even had the idea or the courage to do any of this." — Kristen Knapp Key Takeaways Your savings rate matters more than your income. Someone earning $50,000 and saving 50% will reach FI faster than someone earning $150,000 but saving only 10%. Investment fees compound negatively. A 1% advisor fee plus 1% fund fees can reduce a potential $7.2 million portfolio to just $3.9 million over 40 years. Your FI number is calculated by multiplying annual expenses by 25, based on the 4% safe withdrawal rule. Understanding your personal "why" for pursuing FI is more compelling than traditional budgeting advice and provides the motivation needed for long-term success. Community makes the difference. Local FI groups provide accountability, education, and the courage to make life-changing decis…

The idea that you need a million dollars to retire comfortably might be one of the most misunderstood headlines in personal finance. In this episode, the conversation shifts away from chasing a big number and toward understanding income, cash flow, and how retirement actually works day to day. The discussion breaks down why most retirees succeed with far less than they expect, how small investment fees can quietly erode savings, and what happens to income when interest rates change. You’ll also hear how to think differently about Social Security, portfolio structure, and the difference between being sold products versus receiving guidance. The focus is on clarity, perspective, and building confidence around retirement income decisions. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030See omnystudio.com/listener for privacy information.

Keeping the same investment strategy in retirement that worked during your working years can quietly increase risk and costs. In this episode, Brandon Bowen breaks down what diversification really means as retirement approaches—and why owning multiple funds doesn’t always equal balance. He discusses common mistakes he sees, including overlapping investments, high fees, and income strategies that don’t align with long-term needs. Using a real-world second‑opinion scenario, the conversation highlights how portfolio structure, expenses, and income planning can impact retirees as they transition from growth to income. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Private equity gets sold as exclusive, sophisticated, and “what the smart money does,” but the reality is far less compelling. Don and Tom break down the illusion: limited transparency, questionable valuations, high fees, and serious liquidity risks—all for returns that barely edge out (if at all) simple public market strategies. They argue that the supposed advantages—like the “illiquidity premium” and diversification—don't hold up under scrutiny. The episode then pivots to smart listener questions on early retirement planning and 457 vs. 401(k) decisions, reinforcing a core theme: complexity is often marketed as intelligence, but disciplined simplicity usually wins.0:05 Financial pros sell complexity because it pays them more0:30 Private equity pitch: exclusivity, access, and “smart money” appeal1:40 Article breakdown: positives vs. negatives of private equity2:21 “You get to feel special” and access private companies3:00 The illusion of diversification and non-correlation3:37 Public vs. private pricing: real markets vs. guesswork4:04 Example of questionable private equity valuation jumps5:27 The “illiquidity premium” myth6:00 Liquidity risk: not being able to access your money6:27 Pension funds and private equity track record reality6:51 Returns comparison: private equity vs. public markets8:20 Small cap value vs. private equity (higher returns, lower cost)9:48 Why advisors push complex products (fees and optics)10:30 Liquidity crises and echoes of 2008 (Blue Owl example)11:36 Caller: early retirement planning with pension and TRICARE13:19 Financial readiness vs. purpose in retirement15:28 Long-term risks of early retirement and longevity16:19 Monte Carlo planning and scenario testing18:37 Listener question: 457 vs. 401(k) strategy19:56 Key advantage: penalty-free withdrawals from 457 plans23:13 Rare but real risk: non-governmental 457 ownership issue24:35 Roth vs. traditional: educated guesses, not certainties24:48 When you need a real financial plan (not just rules of thumb)26:03 Human advisor vs. emerging AI planning tools27:40 Closing thoughts and how to get helpQuestions? Comments? Click!

Is your retirement confidence built on real planning—or just a strong market streak? On this episode, Steve Anzuoni breaks down why rising market gains can create a false sense of security without a written income plan. He explains the difference between saving for retirement and planning real retirement income, highlights the risks of market timing and sequence-of-returns, and discusses how fees, diversification, and cash-flow strategy impact long-term outcomes. The conversation centers on building clarity through numbers you can actually see, feel, and rely on—so confidence comes from preparation, not guesswork. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

What should you really do with an old 401(k) after leaving your job—and why do so many people overlook it? On this episode, Raj Shah and Rick Borek break down the common mistakes retirees make with former employer plans, including leaving accounts unmanaged or cashing out too soon. They explore rollover options, in-service withdrawals, and how fees, limited investment choices, and market volatility factor into smarter long-term planning. The conversation also touches on retirement income structuring, spending patterns, and mindset lessons—from professional athletes to everyday retirees—about planning for both short- and long-term needs. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.See omnystudio.com/listener for privacy information.

Big tax decisions don’t just happen at tax time—they’re shaped years in advance. In this episode from this past weekend’s radio show, Michigan’s Retirement Coach Mike Douglas breaks down why Roth conversions, annuities, and hidden investment fees are getting renewed attention right now. Mike explains how required minimum distributions, inherited IRA rules, and layered fees can quietly reshape long‑term outcomes, and why timing matters more than headlines. The conversation also explores how different retirement tools fit together—and why one‑size‑fits‑all strategies often fall short. It’s a wide‑ranging discussion focused on planning considerations many retirees overlook.See omnystudio.com/listener for privacy information.

In this episode, Warren Ingram and Pieter de Villiers explore practical financial planning topics, including estate planning, executor fees, and platform costs. They discuss how to optimize estate administration, reduce costs, and choose the right investment platforms, providing valuable insights for listeners looking to improve their financial strategies.Takeaways:Estate planning and executor selectionCost-effective investment platform choicesReducing estate administration feesLearn more about Prescient Investment Management here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

A fresh breeze can reveal what’s been hiding—and the same can be true for your portfolio. In this episode, Brandon Bowen uses the idea of “spring cleaning” to explain why a portfolio review can uncover hidden risks, high costs, and overlapping investments. The conversation walks through what a portfolio X‑ray looks for, including risk exposure, investment fees, and redundancy across holdings. Listeners will hear how portfolios can quietly drift out of balance over time and why getting a clear picture matters most for those nearing or already in retirement. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Ryan Herbert & Katherine Groce break down common misconceptions about retirement income, taxes, Medicare premiums, and investment returns. They explore why a 401(k) balance isn’t entirely yours, how Social Security can be taxed, why Medicare costs can rise based on income, and how fees quietly erode returns. Through real examples and plain‑spoken explanations, the episode highlights how taxes, healthcare costs, and fees shape what retirement money actually looks like. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

In this episode, Justin and Jared discuss how to evaluate investment advisory fees by focusing on the value received rather than just the cost paid. They explain common misconceptions around investment expenses and why higher fees don't always translate to better outcomes. The conversation provides practical tools to help oil and gas professionals assess whether their financial advice is truly serving their long-term goals. Throughout the episode, they share actionable insights for optimizing wealth accumulation and preservation through smarter financial decision-making.For more information and show notes visit: https://bwmplanning.com/post/123Connect With Us:Facebook - https://www.facebook.com/BrownleeWealthManagement/?ref=py_c Linkedin - https://www.linkedin.com/company/brownlee-wealth-management/Disclosure: This information is for informational purposes only. Nothing discussed during this video should be interpreted as tax, legal, or investment advice. If you have questions pertaining to your specific situation, please consult the appropriate qualified professional.

What if the biggest risk in your retirement plan isn’t the market—it’s silence from your advisor? In this episode, Damon Roberts and Matt Deaton unravel the top frustrations adults bring to their office: poor communication, unclear fees, and portfolios no one seems to be watching. They explain how transparency, proactive updates, and true fiduciary guidance can transform confusion into confidence. With real client stories and practical insights, this episode highlights what a healthy advisor relationship should look like—and how the right communication can protect your wealth and your peace of mind. 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.

Paying investment fees is normal. Not knowing what you're paying isn't.Research shows that many investors underestimate — or completely overlook — the true cost of investing, with more than 20% believing they pay no fees at all.In this episode of The Agent of Wealth Podcast, co-host John Williams, CFP®, breaks down the often-misunderstood world of investment fees. He explains the different ways fees show up, where to find them, and how to evaluate whether the value you're receiving truly justifies the cost.In this episode, you will learn:The three primary types of investment fees — expense ratios, advisory fees, and trading costs — and how each one works.Why expense ratios apply regardless of where your investments are held and how they can vary widely by fund type.How advisory fees differ based on the level of service, from investment management to comprehensive financial planning.Practical steps to identify what you're actually paying, including how to review statements and ask the right questions.How to assess whether your fees align with the value you're receiving, including expertise, time savings, peace of mind, and performance.Why understanding fees is essential to making confident, informed financial decisions.And more!Tune in for a clear, honest conversation about investment fees.Resources: Episode Transcript & Blog | Schedule an Introductory Call | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000Want to be a guest on The Agent of Wealth? Send Marc Bautis a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

How much cash should you really keep for life’s speed bumps—and what’s the hidden cost of investment fees? In this episode, Matt Deaton explains why building an emergency fund, getting a second opinion, and understanding portfolio fees are essential for a secure retirement in 2026. Learn how to balance safety and growth, avoid “spendophobia,” and create a plan that frees you to enjoy your money and your life. Plus, discover why health matters just as much as wealth for your best year ever. 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.

What if the wake‑up call you’ve been avoiding is hiding in plain sight? In this episode, Charleston’s Retirement Coach Brandon Bowen shares a personal health scare that completely reframed how he thinks about procrastination—and how the same blind spots can undermine your financial life. From overlooked risks and excessive fees to overexposure in certain investments, he explains why regular financial “checkups” matter and how uncovering hidden issues can bring clarity and peace of mind. It’s a candid reminder that health and wealth both require attention before problems become urgent. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

I am new to investing and have started to gain an understanding on the fees that I am being charged. Is it time to self-manage my money? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The FINRA Investor Education Foundation's National Financial Capability Study is an expansive source of data and insights about the financial lives of U.S. adults. Conducted every three years, this wide-ranging research effort includes the Investor Survey, an in-depth exploration of the attitudes, behaviors, knowledge and experiences of retail investors across the country.In December, the FINRA Foundation published the latest iteration of the survey, titled "Investors in the United States: Results from the FINRA Foundation's National Financial Capability Study." Drawing on responses from nearly 3,000 respondents in the U.S. with non-retirement investment accounts, the latest edition builds on previous Investor Survey reports, conducted every three years since 2015.On this episode of FINRA Unscripted, FINRA Foundation President Gerri Walsh, the Foundation's Research Director Gary Mottola, and Senior Researcher Olivia Valdes discuss the study's wide-ranging findings and implications.Resources mentioned in this episode:The National Financial Capability Study (NFCS)Investors in the United States A Report of the National Financial Capability StudyState-by-State NFCSInvesting Knowledge QuizEp. 176: National Financial Capability Study: Key Trends and InsightsYou Know More Than You Think: Unrealized Knowledge in “Don't Know” Responses to Financial Knowledge Questions2026 FINRA Annual Regulatory Oversight ReportBrokerCheckSocial Media Key Topics Page Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mailSubscribe to our show on Apple Podcasts, Google Play and by RSS.

What do Thanksgiving-flavored Oreos have in common with mutual funds? Sometimes, what looks exciting on the shelf doesn’t deliver in reality. In this episode, Ryan Herbert dives into the world of target date mutual funds and exploring why these “set it and forget it” investments may not be as safe as they seem, especially as retirement approaches. Learn how marketing hype can mask hidden risks and fees, and discover a smarter approach to retirement planning that’s tailored to your goals, not just your age. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Most Canadians have no idea what they're actually paying to invest — and many are overpaying by a lot.In this episode, Evan breaks down how investment fees really work in Canada, what's reasonable, what's not, and how to tell if you're paying for advice you aren't actually getting. You'll learn how to read MERs, Fund Facts, and trailing commissions so you can spot red flags and avoid getting ripped off.

Hertz is using AI to find tiny dings in rental cars to charge more. What are the dings in your retirement accounts that are costing you money? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Would you pay extra just to recline your seat—or are hidden fees quietly draining your retirement savings? Damon Roberts digs into the surprising world of investment fees, revealing how even “small” charges in your 401(k), mutual funds, or annuities can add up to thousands lost over time. Learn why understanding what you pay—and what you get in return—matters more than ever, and how to spot value versus waste in your portfolio. Plus, a few laughs about travel, family, and the price of convenience. 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.

Send us a textI've always had a fear of switching away from a trusted investment platform. The truth is, that there are so many platforms out there which offer competitive fees. But how much will that really save you over the long-term? In this episode, Joshua walks through the motivations for his latest ISA transfer, and why saving on fees has become a much bigger priority in his financial journey.Charles Stanley Bonus Referral CodeTBY78EB9Stan Storehttps://stan.store/joshuaowenmillsIf the link isn't live, please contact me for a copy.Contact Meinfo@joshuaphilip.co.ukwww.joshuaphilip.co.ukReferral Codeshttps://joshuaphilip.co.uk/links/Discover Smarter Investing with the Teaminvest Wealth Builders PodcastExpert insights and proven strategies from Australia's top investors. Build your wealth.Listen on: Apple Podcasts Spotify

Think you’ve got your retirement plan figured out? Think again. In this episode, Steve Hoyl and Derrick Caldwell reveal the hidden traps of DIY retirement strategies, from Roth conversion tax surprises to forgotten 401(k)s and high-fee investments. Discover why transparency, active management, and a seasoned advisor can make all the difference in securing your financial future—especially in the ever-changing landscape of taxes and market risks. Don’t let a lack of education or a “set it and forget it” approach jeopardize your dreams—get the facts and take control today. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

On this episode: Is the fear of running out of money a farce? How much could advisor and investment fees cost you over your retirement? What are we talking about in our year end meetings? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

What if the biggest threat to your retirement isn’t market crashes or investment fees—but taxes? In this episode, Mike Canet and Ryan Herbert reveal how overlooked tax planning can quietly drain 30–40% of your retirement income. They discuss how some advisors miss critical opportunities to protect your wealth and explain why diversifying your tax exposure is just as vital as diversifying your portfolio—and how a simple shift could mean thousands saved. Want to begin building your retirement and tax plan? Schedule a 15-minute call with us here:

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! What do Ticketmaster fees and your retirement account have in common? More than you think. In this episode of America’s Retirement Headquarters, Nolan Baker breaks down the hidden costs that could be quietly draining your retirement savings. From 401(k)s to annuities, we explore how even a 1% fee difference can cost you tens of thousands over time. Learn how to uncover these fees, compare them to industry benchmarks, and make smarter decisions to stretch your retirement dollars further—no matter where you live. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

On this episode: A new study says with savings and Social Security together your retirement money could last 40 years or more. At what point should you start to ease out of the stock market? You’ll be shocked at how many people are having a successful retirement and don’t have a million dollars. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

In this episode, Warren Ingram and Pieter de Villiers delve into the complexities of investment fees, discussing various types of fees including investment management fees, platform fees, and advisor fees. They speak to the importance of understanding these fees and their impact on long-term investment returns. The conversation also highlights the need for transparency in fee structures and the value that financial advisors can provide beyond just managing investments. TakeawaysUnderstanding investment fees is crucial for building wealth.There are various types of investment fees: management, platform, and advisor fees.Free services often come with hidden costs.Investment management fees can vary significantly based on fund type.Active management typically incurs higher fees than passive management.Platform fees can be structured as a percentage or fixed fee.Advisor fees should reflect the value provided to the client.Transparency in fee structures is essential for informed decision-making.High fees can erode investment returns over time.It's important to regularly review and understand your investment fees.Learn more about Prescient Investment Management here.Send us a textReal Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the importance of financial planning, especially during the summer vacation season. He shares personal anecdotes about family vacations and emphasizes the need for proper financial preparation for spontaneous trips. The conversation shifts to the differences between captive and independent insurance agents, highlighting the potential savings when working with independent advisors. Brandon also addresses the hidden costs associated with financial advice and the importance of understanding investment fees. He encourages listeners to consider a portfolio x-ray to identify any excessive fees they may be paying, ultimately aiming to provide a clearer financial picture for retirement planning. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this conversation, Kevin discusses various aspects of retirement planning, including the cultural phenomenon of tipping, the hidden fees associated with retirement accounts, the importance of professional guidance, guaranteed income strategies, and the impact of inflation on retirement finances. He emphasizes the need for individuals to be aware of their financial situations and to seek professional help when necessary to ensure a secure retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Each year, Bill Murray and his brothers sponsor a golf tournament in St. Augustine. We’ve been able to sit down with them for a lot of fun interviews. This time we asked a simple question about life’s little irritations, and got some great retirement advice. Like this episode? Hit that Follow button and never miss an episode!

On this episode: Some studies say people would rather die than run out of money. Golden Reserve can help with our Income Forecast. The "rich guys" sold stock to bolster their cash reserves. Should you do the same? Long Term Care policies are expensive, and the rates keep going up. What can you do? See omnystudio.com/listener for privacy information.

In this episode of The Art of Money, Christian McPherson discusses various aspects of financial planning, including the legacy of the McPherson Financial Group, the intricacies of Roth conversions, the importance of Social Security, and the polarizing views on annuities. He emphasizes the need for a holistic approach to financial planning, addressing common regrets of retirees and the significance of understanding fees and debt management in retirement. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This week on The Art of Money, Christian McPherson discuss the contrasting views on annuities, the current state of the bond market, the importance of seeking a second opinion on financial strategies, and the hidden fees that can undermine retirement plans. They emphasize the need for personalized financial planning and the significance of understanding individual circumstances in retirement preparation. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this conversation, Derrick from The Hoyl Financial Group discuss the evolution of retirement planning, particularly in light of the 4% rule and the changing landscape of investment strategies. They emphasize the importance of diversification, the role of annuities, and the need for personalized financial planning. The discussion also covers how to navigate market volatility, the significance of understanding investment fees, and strategies for maximizing tax refunds to enhance retirement savings. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

Do you know the biggest hidden drain on your wealth? It's not bad investments, risky business moves, or even extravagant spending. It's tipping the government—paying more taxes than you actually owe.And that's just one of the four silent killers of efficiency that are quietly eating away at your financial future.I recently had the privilege of hosting an epic Montana Mastermind Skiing Adventure, where 25 high-level entrepreneurs came together to mastermind, ski, and talk shop. One of our guest speakers was my brother from another mother, the legendary Garrett Gunderson—New York Times bestselling author, wealth strategist, and straight-up financial genius.Garrett dropped some serious knowledge on the Four I's of Efficiency, a framework he shares with his millionaire and billionaire clients. And I'm about to break it down for you—so buckle up, take notes, and let's make sure you keep more of what you earn.These four areas are where most entrepreneurs unknowingly lose thousands (or even millions) of dollars over their lifetime. Fix these, and you'll be on your way to financial freedom.IRS – Stop Tipping the GovernmentThe IRS is the number one silent wealth killer. Taxes are likely your biggest business expense, yet most entrepreneurs don't have a solid tax strategy in place. If you're just handing over whatever your CPA tells you to pay, you're probably leaving a ton of money on the table.How to fix it:Be proactive, not reactive. Most CPAs are just paper pushers—they file your taxes but don't actively strategize for you. Work with a tax planner who can help minimize what you owe.Optimize your business structure. Whether you're an LLC, S-Corp, or C-Corp, your choice of entity can save (or cost) you thousands every year.Maximize deductions. Home office, travel, business meals, health insurance—if it's a legitimate business expense, make sure it's written off.Leverage advanced tax strategies. Cost segregation on real estate, R&D credits, retirement plans—these aren't just for big corporations. They're for you, too!Happy Hustle Takeaway: The tax code is designed to benefit entrepreneurs. Learn the rules, play the game, and keep more of your hard-earned money—ethically, of course.Interest – The Hidden Cost of BorrowingDebt is sneaky. It's not just about what you borrow—it's about how much interest is quietly stacking up against you.How to fix it:Know your rates. If you've got debt above 8% interest, that's a red flag. Credit card debt at 20%+? That's straight-up robbery.Refinance smart. If rates drop or your credit improves, renegotiate your mortgage, car loan, or business debt.Pay off high-interest debt first. Prioritize the most expensive debts and get rid of them ASAP.Use low-interest business credit instead of personal credit. Protect your personal score and leverage better financing options.Happy Hustle Takeaway: Every dollar wasted on interest is a dollar you could be using to fund your dream life, travel, or invest in your next big idea.Investment Fees – The Silent Wealth DrainCompounding fees can quietly eat away at your investment returns over time. Even a "small" 1% management fee can cost you hundreds of thousands of dollars over decades.How to fix it:Audit your investment accounts. Check your 401(k), IRAs, brokerage accounts—what are you actually paying in fees?Shift to low-fee funds. Index funds and ETFs usually have lower fees than mutual funds.Work with fee-only advisors. Avoid financial "advisors" who earn commissions from selling you products. Pay for advice, not someone's hidden agenda.Happy Hustle Takeaway: Compound interest can make you rich, but compound fees can keep you broke. Know what you're paying and eliminate unnecessary costs.Insurance – Protect Yourself Without OverpayingInsurance is crucial, but overpaying for coverage you don't need is just as bad as not having enough coverage.How to fix it:Conduct an annual insurance audit. Prices change, and so do your needs. Make sure your coverage is still the best fit.Insure for the catastrophic. Cover the big stuff—like life-altering events—not minor expenses.Raise your deductibles. This can significantly lower your premiums.Eliminate redundant coverage. Make sure you're not paying for overlapping policies.Happy Hustle Takeaway: Insurance is peace of mind, but it shouldn't drain your bank account. Be strategic and only pay for what truly matters.By optimizing these four areas, you'll not only stop the leaks but also create a stronger financial foundation for yourself and your business.If you want to dive deeper into these strategies, don't miss this episode. Trust me, this knowledge is worth thousands—probably more—so tune in and start Happy Hustlin your way to financial freedom!Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustle.com/bookSign up for The Journey: 10 Days To Become a Happy Hustler Online Coursehttps://thehappyhustle.com/thejourney/Apply to the Montana Mastermind Epic Camping Adventurehttps://thehappyhustle.com/mastermind/“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode Sponsor: Magnesium Breakthrough from BiOptimizers (https://bioptimizers.com/happy)If you've been on a restricted diet lately or maybe even taken some meds to shed those pounds for the summer, I gotta warn ya—be careful! You might have unknowingly created a nutrient deficiency that could not only mess with your health but also jeopardize those weight loss goals.Did you know that over 75% of Americans are already deficient in magnesium? Yeah, it's wild! Magnesium is this powerhouse mineral that's involved in over 600 biological reactions in your body. It helps with everything from sleep to stress management to hormone balance—all key players in keeping your weight on track.And if you're still on those meds, you might be dealing with some side effects like sleepless nights, digestive issues, or irritability, which can totally throw off your commitment to your goals. Whether you're taking meds or not, setting up healthy habits is crucial to maintaining your weight over time. One of the best things you can do? Make sure you're getting all the magnesium your body needs.Don't let a magnesium deficiency derail your progress! Give Magnesium Breakthrough by BIOptimizers a shot. Unlike other supplements, this one's got all 7 forms of magnesium that your body can actually absorb, so you get the full spectrum of benefits.This approach will help you crush your goals and maintain a healthy weight while keeping your overall health in check. For an exclusive offer, head to bioptimizers.com/happy and use the promo code 'happy10' at checkout to save 10%. And if you subscribe, you'll snag amazing discounts, free gifts, and a guaranteed monthly supply.

If you are traveling internationally, you have to know the rules about what you bring home. That story brought us to discussing the unknown rules we all need to know about retirement. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: Evaluating what you pay and what you get from your financial advisor. Don’t saddle your kids with a huge tax bill. You want to sell your business to fund your retirement? Timing is key. What will your paycheck be each month in retirement? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Most Americans are willingly but unknowingly throwing away 25% of their life savings. Yes, one-quarter of people's assets are literally vanishing from under their nose? How, investment fees. In today's episode, host Travis Shelton explains why even a 1% fee on your investments can rob you blind. This one episode might save you millions. If you have questions or would like to connect with us outside of the podcast, here's where you can find us:  Instagram: ⁠https://www.instagram.com/meaning_over_money⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: https://www.tiktok.com/@meaning_over_money Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Subscribe to the daily blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shorturl.at/ipS35⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQ

We’ve seen it before: the big names in financial services paying huge fines. It’s happened again. This time with Edward Jones. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

The uncertainty around higher taxes continues as Trump expresses his desire to extend his own tax cuts beyond 2025. But how long will these historically low tax brackets stick around with US debt being out of control? In this episode, Abe Abich discusses what we should be thinking about before making the decision for a rollover, including the overall process, tax implications that come with it, and the various options to consider. Ready to see if a 401k Rollover is right for you? Visit TheRetirementKey.com today and get a free copy of Abe’s book The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement when you schedule an appointment!See omnystudio.com/listener for privacy information.

On this week's show: What is real and what is perceived about retirement can be two different things. How do we plan for both? Some of you can put more in your 401(k) in 2025. Do you qualify? Avoid these spending mistakes in retirement. Why do people switch advisors and is it difficult to make that switch? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Are you paying too much in investment fees and wondering how to optimize your investment portfolio? Are you unsure what a good financial advisor should be charging you or even how to choose a wealth manager? Discover how to lower your costs and maximize your returns in this episode!In this episode, Kyle Pearce from Canadian Wealth Secrets addresses common concerns about investment fees and financial planning and wealth management. Many investors struggle with the high costs associated with financial advisors and MER fees, which can significantly impact their overall returns. By exploring different fee structures and investment strategies, this episode provides practical advice to help you make informed decisions and take control of your financial future.You will benefit from hearing real-life examples and detailed explanations of various investment options, including index funds and permanent insurance for tax minimization. Whether you're just starting out or looking to optimize your existing portfolio, the insights shared in this episode can help you navigate the complexities of wealth management and achieve your financial goals.Learn how to identify and reduce unnecessary investment fees.Understand the benefits and drawbacks of different financial planning options.Gain practical strategies for optimizing your investments and minimizing taxes.Tune in to this episode now and start taking control of your financial future by making smarter investment choices!Resources:Canadian Wealth Secrets Show Notes Page…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Discover how to reduce investment fees and optimize your portfolio with expert financial planning advice in our latest episode. Learn the differences between fee-based and commission-based financial planners, explore low-cost investment options like index funds and ETFs, and gain strategies for tax-efficient investing. Whether you're new to investing or looking to improve your wealth management, this episode provides practical tips and insights to help you achieve your financial goals.Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode, Steve Campbell and Travis Maus continue their series on improving net earnings. They discuss the importance of understanding and evaluating investment fees. They explain the different types of investment fees, including sales commissions, product fees, management fees, transaction fees, and advice fees. They emphasize the need to be aware of the fees you are paying and to determine if they are worth the value you are receiving. They also highlight the potential savings that can be achieved by reducing investment fees and provide tips for evaluating and negotiating fees with financial professionals.________________________________________________________________Join our Skool Community at https://www.skool.com/ditch-the-suits-9234. You can interact with us, ask questions and get additional resources.Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.comYou can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at https://youtube.com/@NQRMedia

For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. High-income, high net worth, or dual military couples, this episode was made for you!  While not all of our audience will directly relate to today's topics, we hope that it will at least give you things to think about, topics to become aware of, and ideas of what your wealthy future holds for you.   Tax planning, wealth protection, and investment fees are 3 areas that WILL move the needle for you and do have a big impact on your financial journey.   Today's topics include:    - Taxes Backdoor Roth when your income is too high to contribute to a Roth directly Non-deductible IRA contributions Capital loss harvesting Donor Advised Funds (DAF) Donation batching Roth conversions - Wealth protection and umbrella insurance  - Generously giving and estate tax planning - Investment fees    It's ok to ask for help if you're situation is getting more complex. We recommend checking out the Military Financial Advisors Association (MFAA) if you need help or don't feel comfortable doing DIY investments anymore (or even if you just need a sanity check on your planning).   If you're looking for a Donor Advised Fund, Jamie uses DAFFY- you can check them out here (his referral link for an extra $25). Spencer uses Vanguard Charitable's DAF.   Doctors and medical professionals: check out the White Coast Investor site.   Books we discussed today: Die with Zero The Almanac of Naval Ravikant Four Thousand Weeks Strangers in Paradise by James Grubman From Strength to Strength Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2560: Wanderer from Millennial Revolution brings to light the hidden, damaging impact of investment fees, especially in mutual funds. By comparing the long-term effects of Management Expense Ratios (MERs) in mutual funds versus lower-cost ETFs, the article reveals how even small percentages can significantly reduce investment returns over time. Read along with the original article(s) here: https://www.millennial-revolution.com/invest/investment-fees-are-the-worst/ Quotes to ponder: "Investment fees usually don't appear in your statement, and are instead embedded inside your mutual fund and taken silently out of the fund's performance." "The more you pay, the worse the performance, because that fee just eats into your returns." Learn more about your ad choices. Visit megaphone.fm/adchoices