Podcasts about lpl financial

Strong Market Breadth The market typically begins to experience greater volatility around this point in midterm election years. However, one encouraging development is the strength and breadth of current market momentum. The S&P 500 continues to show broad participation, with the highest percentage of stocks trading above their 200-day technical moving average since 2024. Currently, approximately 74% of stocks are above their 200-day moving average. Broad participation like this is generally a positive sign for the overall health of the market. The internal momentum of the S&P 500 is also strengthening. Nine of the 11 sectors are showing better momentum than they were on June 22, with only energy and utilities showing weaker momentum. Taken together, these indicators point to a market with strong underlying momentum. While volatility can increase as the midterm elections approach, the current breadth of participation provides an encouraging foundation. For now, momentum is our friend. Inflation Continues to Evolve The latest Consumer Price Index, or CPI, provided some encouraging news on the inflation front. July CPI increased 0.1%, in line with expectations, bringing the year-over-year increase to approximately 3.5%. The fact that inflation did not come in higher than expected is important. While inflation remains elevated, the latest reading does not suggest that prices are accelerating rapidly. For investors and consumers, however, the headline CPI number is only part of the story. Two important questions are what the Federal Reserve makes of the data and how inflation is affecting people in their everyday lives. The outlook for Federal Reserve policy has shifted as inflation data has evolved. At one point, markets were pricing in roughly a 50% chance of a rate hike at the Fed's September 16 meeting. Those odds rose to approximately 52% about a week ago but have since fallen to around 30%. Current expectations suggest that there may be one rate hike toward the end of the year, although there is still significant time for the outlook to change. Another useful measure is the “Common Man's CPI,” a proprietary index from Strategas that focuses on essential expenses, including food, energy, shelter, insurance, and children's clothing. These are expenses consumers generally cannot avoid or easily postpone. The Common Man's CPI increased 3.5% year-over-year in July, down from 3.7% in June and 4.6% in May. That deceleration is encouraging, but the longer-term impact of inflation remains significant. Since the middle of 2020, the Common Man's CPI has increased approximately 32%, while wages have risen about 28%. That gap helps explain why many consumers continue to feel the effects of inflation even as the rate of price increases slows. Prices may be rising more slowly, but wages have not yet fully caught up with the cumulative increase in the cost of essential goods and services. The trajectory of both inflation and wages will remain important as the year progresses. The Fed's Other Inflation Tool The Federal Reserve has several tools available to influence the economy, but two of the most important are interest rates and the Fed's balance sheet. Interest rates influence economic activity by making borrowing more or less expensive. The balance sheet works differently. When the Fed adds money to the financial system, it can support economic growth. When it reduces the amount of money in the system, it can help restrain growth and inflation. This second tool receives considerably less attention because its effects are less visible to consumers. Interest rates are relatively easy to understand because they directly affect mortgages, savings accounts, credit cards, and other forms of borrowing. The balance sheet is much less tangible. Earlier this year, the Federal Reserve was expanding its balance sheet through a process referred to as monthly net reserve management. The terminology is intentional because quantitative easing, or QE, has developed a negative association following the significant monetary stimulus implemented during the COVID-19 pandemic. Through net reserve management, the Fed injects capital into the banking system by purchasing Treasury securities from banks and replacing those securities with cash. Maintaining sufficient liquidity in the banking system is important, particularly during periods when large amounts of money are flowing out of the system for purposes such as tax payments. Beginning in December, the Fed was injecting approximately $40 billion per month into the banking system. That pace subsequently began to taper as leadership at the Federal Reserve changed. New Fed Chair Kevin Warsh has written extensively about the size of the Federal Reserve's balance sheet and the importance of eventually reducing it. One concern with simultaneously raising interest rates while expanding the balance sheet is that the two policies can work against one another. Higher rates are intended to slow economic activity, while an expanding balance sheet can add liquidity to the financial system. Under the current approach, the Federal Reserve has moved toward stopping the expansion of its balance sheet before relying more heavily on interest-rate increases. August marks the first month since the beginning of the year in which the balance sheet is not expected to expand. The implications could be important for consumers and the broader economy. Consider a simple example. If a consumer earns $100 per week and spends $50 on gasoline and $50 on groceries, an increase in gasoline prices to $60 would leave only $40 available for groceries. Unless the consumer has additional money to spend, higher costs in one area can lead to reduced spending elsewhere. Economists refer to this as demand destruction. For broad-based inflation to persist across the economy, there generally needs to be enough money available to sustain demand even as prices rise. If the money supply increases, a consumer who previously had $100 to spend might instead have $110, allowing spending to continue despite higher prices. That dynamic has been evident in recent economic data. As gasoline prices increased, spending in areas such as leisure and hospitality and retail sales remained surprisingly resilient. Ordinarily, higher gasoline costs might be expected to reduce spending elsewhere, but that demand destruction has been limited. One possible explanation is the additional liquidity that has been present in the financial system. August provides an important test. For the first time this year, the economy is facing higher energy prices without the same additional expansion of the Fed's balance sheet. That creates an opportunity to observe whether demand begins to weaken in other areas of the economy. How that dynamic develops could have meaningful implications for economic growth, inflation, and ultimately the stock market. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Momentum is our Friend first appeared on Fi Plan Partners.

Today we talk with John Gatewood about why elite financial advisors win through listening, not knowledge, and how real connection is what motivates clients to act. We break down practical language, coaching habits, and preparation routines that help advisors and firm leaders build trust, clarity, and conviction.Key topics discussed in this episode:• Advisor training crisis driven by high attrition and looming retirements• Communication skills as the true differentiator in wealth management• Data-backed perception gap between how advisors think they listen and how they actually show up• Being interested versus being interesting to deepen trust fast• Empathy and clarification to reach the root issue behind client goalsFollow Elite Achievement for more conversations on leadership and high-level execution.About JohnJohn Gatewood, CFP®, CLU®, is the founder and Director of Advisor Development at Gatewood Wealth Solutions and author of The Listening Advisor: Winning Loyal Clients Through Authentic Human Connection. During his 45-year career as a financial advisor, John was recognized on Barron's list of the top 1,200 advisors and earned Top Ten standing at LPL Financial and Forum honors at Northwestern Mutual. After selling his practice in 2021, he shifted his focus to helping advisors master the communication skills that build lasting client relationships. Connect with JohnWebsiteLinkedInThe Listening Advisor – Building Client Loyalty through Authentic Human Connection About Kristin BurkeKristin Burke works with financial advisors and leaders in financial services who are building and scaling firms. She helps them lead more effectively, develop their team, and execute consistently on the priorities that drive growth.Work with KristinIf you are building a firm and want a strategic partner to help you think through leadership, team development, and execution, you can learn more about working with Kristin here:WebsiteConnect on LinkedInLinkedIn

One of the most overlooked threats to retirement wealth may happen long before retirement: a mid-career stall. In this week's episode of Educational Insights, Ashley Page explores how spending five or more years without a meaningful promotion or raise can reduce overall retirement wealth by 15–25%, and shares four strategies to keep your career and financial future moving forward. Understanding how your career trajectory can impact long-term wealth may help you take action before a stall becomes a setback. Watch to learn more. Ashley Page, JD, MBA Senior Vice President Wealth Consultant Email Ashley Page here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Avoiding Mid-Career Stall first appeared on Fi Plan Partners.

Retirement planning is about more than reaching a savings goal. It also means preparing for healthcare costs, changing income needs, housing decisions, relationships, purpose, and the transition into a completely different stage of life.   This week, Regina shares 10 important things to consider before retirement, including how to budget for a longer life, understand your income sources, prepare for healthcare expenses, manage debt, and plan for required minimum distributions.   She also explains why the emotional and personal sides of retirement matter just as much as the financial ones. From creating a daily routine and maintaining social connections to updating your legal documents and finding purpose beyond work, a successful retirement requires planning for the life you actually want to live.   Episode Highlights:   0:00 - Welcome to Women and Wealth 0:45 - 10 things to know about retirement 1:54 - Budgeting for longevity and inflation 2:55 - Understanding your retirement income sources 4:15 - Planning for healthcare and long-term care costs 5:12 - Managing debt before retirement 6:34 - Required minimum distributions and Roth conversions 7:34 - Making the shift from saving to spending 9:31 - Keeping legal documents and beneficiaries updated 11:05 - Downsizing, relocating, and aging in place 11:53 - Creating a healthy daily routine 13:54 - Finding purpose and identity beyond work 16:53 - Preparing for a fulfilling retirement 17:13 - Closing thoughts and how to connect    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by MFS Fund Distributors, Inc.   For a list of states in which I am registered to do business, please visit www.forgewealth.com. MFS Fund Distributors, Inc. is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management  

The Moneywise Radio Show and Podcast Friday, August 7th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Josh & Lizet Powell of "A Taste of the Screen"  instagram: https://www.instagram.com/tasteofthescreen/?hl=en Taste of the Screen Preview The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. A Taste of the Screen, Josh Powell & Lizet Powell are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

One of the most common financial questions people ask is, “How much should I keep in emergency savings?” In this week’s episode of Educational Insights, Bobby Norman breaks down the simple 3-6-9 savings rule, explains how to determine the right emergency fund for your unique situation, and shares where to keep those funds so they’re both safe and accessible. Understanding these guidelines can help you build a financial cushion that’s aligned with your income, expenses, and overall level of financial security. Watch to learn more. Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The 3-6-9 Savings Rule first appeared on Fi Plan Partners.

I recently had the pleasure of joining Michael on the Uncommon Teams Podcast for an episode titled "From Debt to Real Wealth: Debugging Your Financial System."✨️ We had a fascinating conversation about why so many people stay stuck financially, not because they don't know what to do, but because they're focusing on the wrong starting point.If you'd like to hear our full conversation about creating financial systems that support your life, not just your bank account, I invite you to listen to my conversation on the Uncommon Theme Podcast, "From Debt to Real Wealth: Debugging Your Financial System."

The Moneywise Radio Show and Podcast Thursday, August 6th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Patrick Collins, Business Broker & Advisor for Collins Advisory  website: https://collinsadvisory.biz/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Patrick Collins & Collins Advisory are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

On the latest episode of Innovation Mavericks, Greg sits down with his mom, Ann Powell, to discuss the technological, cultural, and economic changes she has witnessed throughout her life and the lessons she’s learned along the way. This conversation is filled with real-life wisdom that resonates no matter what stage of life you’re in. From embracing innovation to maintaining perspective through decades of change, Ann’s insights are both timeless and relevant. Watch to learn more. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Generations of Wisdom: Timeless Perspective with Ann Powell first appeared on Fi Plan Partners.

Strong leadership matters most when the pressure is high, change feels uncomfortable, and relationships are being tested.   This week, Regina sits down with Michelle Kozin, founder and president of Predictive Advisors, to discuss how behavioral science can help leaders navigate those moments. Drawing on more than 20 years of experience in leadership development and organizational change, Michelle explains how self-awareness, curiosity, and diversity of thought can strengthen teams, build trust, and improve performance.    They also discuss multigenerational workplaces and Michelle's vision for retirement.   Episode Highlights:   0:00 - Meet Michelle Kozin, founder of Predictive Advisors 2:48 - Helping leaders and teams navigate change 6:46 - The head, heart, and briefcase model 9:08 - Building trust in relationship-driven industries 10:42 - Navigating generational change 12:53 - Multigenerational family businesses 14:12 - Why trust cannot be automated 16:23 - The three types of diversity 21:04 - Michelle's vision for retirement 23:19 - Episode wrap-up    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH MICHELLE   Website: https://predictiveadvisors.com/ LinkedIn: https://www.linkedin.com/in/michellekozin/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com   

Planning for your death or incapacity may not be fun, but the impact of a thoughtful estate plan can be more powerful than many of us imagine. Join guest host Scott Winter and seasoned estate planning attorney Randy Grove and institutional trustee & investment manager Brett Bryant as they unpack how a financial legacy can memorialize your values, inspire others toward generosity, and promote peace during a disorienting time for the people you love.Scott Winter: https://www.winterwealthmanagement.com/team/scott-winterRandy Grove: https://www.landerholm.com/t-randall-groveBrett Bryant: https://www.midwesttrust.com/people/brett-bryant/This podcast is for informational purposes only. The opinions voiced in this program are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies may be appropriate for you, consult your financial, legal, or tax professional. Securities and advisory services offered through LPL Financial, a registered investment advisor and broker-dealer, member FINRA/SIPC. The opinions expressed by guests are their own and do not necessarily reflect the views of LPL Financial or Winter Wealth Management, LLC.If you enjoy listening to the George Fox Talks podcast and would like to watch, too, check out our channel on YouTube! We also have a web page that features all of our podcasts, a sign-up for our weekly email update, and publications from the George Fox University community.

It's summer!  Time for fun in the sun and extra time with friends and family, which can have an impact on the finances!  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through a few things that can be helpful during a mid-year financial planning check. Ideas for Summer Planning: Take a moment to review your spending and reflect on whether it matches up with those goals! Spent a lot of money on eating on travel, but travel is important to you? That might be just fine!  Everyone is different. Review progress toward making maximum retirement contributions (if you are able). Are you on track to make the maximum employee deferral contribution of $24,500 to your employer plan? Review your cash on hand to see if you have anything “extra” that can be put toward long-term goals. Can potentially add funds to 529 college savings accounts, 530A (Trump Accounts), or other investment accounts, depending on your goals. Go through your workplace benefits to ensure you are using them! Unused vacation days that may expire? Flexible Spending Account balances that need to be used? Potentially make some strategic tax planning moves depending on your circumstances. Example: Roth conversions add funds to your taxable income in the year converted, but then funds can grow tax free if used for qualified retirement withdrawals. Do a quick risk review – For example do you have adequate insurance and an estate plan drafted? You can review your finances any time of year, but the summer can be a great mid-year reset.  Sit back and relax on your deck with a cold beverage and lots of numbers!  Sounds like fun to us! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. A Roth IRA conversion—sometimes called a backdoor Roth strategy—is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you're required to take a minimum distribution in the year of conversion, it must be completed before converting. To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions. This material is for informational purposes only and does not constitute tax, legal, or investment advice. Please consult a qualified tax professional regarding your individual circumstances. Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.​ Trump Accounts offer tax deferred growth on earnings. Family contributions are made with after tax dollars, and eligible employer contributions may be excluded from the employee's taxable income. A one time $1,000 federal contribution may be available for eligible children born between 2025 and 2028. Distributions are generally prohibited during the child's growth period and, once permitted, are taxable as ordinary income and may be subject to a 10% IRS early distribution penalty if taken before age 59½. Contribution limits and other restrictions apply, and some rules remain subject to future Treasury and IRS guidance. Consult a qualified tax advisor or financial professional before making decisions. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.​ Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. Citations: Internal Revenue Service.  Frequently asked questions on gift taxes. https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes. Internal Revenue Service.  Charitable contribution deductions.. https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-contribution-deductions. Trump Accounts. https://trumpaccounts.gov/. Bart, Susan T. and Connie T Eyster.  What is a Trump Account? Rules, Taxes, and How They Work for Families. https://www.actec.org/resource-center/video/trump-accounts-explained/. 2026. The American College of Trust and Estate Counsel.

The Moneywise Radio Show and Podcast Monday, August 3rd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Lois Henry, CEO of SJV Water  website: www.sjvwater.org The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Lois Henry & SJV Water are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Federal Reserve Enters a New Chapter The Federal Reserve’s latest meeting marked another important step in the early tenure of Chairman Kevin Warsh. As expected, policymakers left interest rates unchanged, opting for neither a rate increase nor a cut. However, the decision revealed growing disagreement within the committee, with three members voting in favor of raising rates due to persistent inflation concerns following years of economic and price shocks. Although the Fed held its benchmark rate steady, longer-term interest rates continued to move higher. The 10-year U.S. Treasury yield climbed above 4.7%, while the 30-year Treasury yield surpassed 5.2%, reaching its highest level since 2007. This distinction is important because the Federal Reserve directly influences short-term borrowing costs, not long-term Treasury yields. Those longer-term rates are driven by market forces and have a direct impact on mortgage rates, business borrowing costs, and broader financial conditions. Looking ahead to the Fed’s September meeting, market expectations have shifted dramatically. Earlier this year, investors largely anticipated multiple rate cuts. Today, markets are assigning a greater probability to a rate hike instead. How inflation, employment data, and economic growth evolve over the coming weeks will likely determine the Fed’s next move. Currency Markets Signal Growing Global Pressure One of the more significant but less-discussed developments occurred in the global currency markets. For the first time since 1998, the United States announced intervention to support the Japanese yen after the currency experienced substantial weakness against the U.S. dollar. While exchange rates typically fluctuate, an 11% move between two of the world’s largest currencies over a single year is unusually large and highlights increasing pressure within global financial markets. Central banks often face a difficult balancing act. They can attempt to keep interest rates low by purchasing bonds, but doing so generally weakens their currency and can contribute to inflation. Alternatively, they can support their currency by allowing interest rates to rise, which strengthens the currency but places additional pressure on economic growth and borrowing costs. Japan has increasingly found itself caught between these competing objectives. Supporting its currency while managing its bond market has become more difficult, illustrating the broader challenges facing central banks worldwide. This matters to U.S. investors because Japan holds a significant amount of U.S. Treasury securities. If Japan were forced to sell those holdings to stabilize its own financial markets, the increased supply of Treasuries could place upward pressure on U.S. interest rates. While recent intervention has successfully strengthened the yen in the short term, history suggests these efforts rarely provide permanent solutions. Markets ultimately determine long-term currency values, making global monetary policy an important area for investors to continue monitoring. A Healthy Reset for the Magnificent Seven After leading the market higher for much of the past two years, the Magnificent Seven technology companies and many AI-related stocks have experienced increased volatility. While these pullbacks have generated concern, they appear to represent a reset in investor expectations rather than a deterioration in the underlying businesses. Corporate earnings remain strong, supporting the long-term growth story for many of these companies. At the same time, market leadership has broadened beyond a small group of technology stocks, allowing more sectors to participate in the rally. Historically, this type of market expansion has often supported longer and healthier bull markets. Bull markets typically come to an end when corporate earnings begin to weaken significantly and analysts consistently lower earnings expectations. That is not the environment investors are facing today. Technical indicators also support this view. The Bloomberg Magnificent Seven Index recently fell below its 200-day moving average for the fourth time since 2022. In each of the previous three instances, the index eventually recovered and moved on to new highs. Rather than signaling the end of the current bull market, recent weakness appears more consistent with a mid-cycle pause that allows excessive optimism to unwind before the next phase of market growth. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The Great Reset first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Friday, July 31st  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Michael George, Executive Vice President - Marketing at Safe 1 Credit  website: https://www.safe1.org/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Michael George & Safe One Credit Union are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Thursday, July 30th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: NaTesha "T" Johnson, Executive Director, Entrepreneurship & Workforce Development for BC Launchpad & Founder/Owner of Upside Productions Management websites:  Bakersfield College Launchpad: https://www.bakersfieldcollege.edu/community/launchpad/index.html Upside Productions: https://upsideproductions.biz/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. NaTesha Johnson, Bakersfield College, Bakersfield College Launchpad & Upside Productions are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

I recently had the pleasure of joining Michael on the Uncommon Teams Podcast for an episode titled "From Debt to Real Wealth: Debugging Your Financial System."✨️ We had a fascinating conversation about why so many people stay stuck financially, not because they don't know what to do, but because they're focusing on the wrong starting point.If you'd like to hear our full conversation about creating financial systems that support your life, not just your bank account, I invite you to listen to my conversation on the Uncommon Theme Podcast, "From Debt to Real Wealth: Debugging Your Financial System."

The race to secure rare earth metals is about far more than technology or national defense. In this week’s episode of Educational Insights, Ashley Page explains why the U.S. is turning to Brazil to strengthen critical supply chains, what China’s dominance means for the global economy, and why an industry supporting nearly $1.2 trillion of U.S. GDP could shape the future of manufacturing, healthcare, and innovation. Watch the full video to learn why this story matters to investors and the economy alike. Watch to learn more. Ashley Page, JD, MBA Senior Vice President Wealth Consultant Email Ashley Page here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Rare Earth Metals, Brazil, and the US GDP first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Wednesdaay, July 29th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Dr. Richard Gearhart, Professor of Economics at CSU-Bakersfield website: https://www.calstate.edu/csu-system/faculty-staff/outstanding-faculty/Pages/Gearhart,Richard.aspx The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Richard Gearhart & CSU-Bakersfield are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The excitement surrounding a major IPO like SpaceX can make it feel like you need to act quickly or risk being left behind. But popularity alone does not make an investment right for your portfolio. This week, Regina breaks down the questions to ask before investing in an IPO, including how much risk you can handle, what purpose the investment would serve, and what you may need to give up to make room for it. She also explains how newly public companies can eventually affect your retirement savings through the index funds inside your 401(k).   Episode Highlights:   0:00 - Introduction 1:32 - Why hype does not make an investment right for you 3:21 - What an IPO is and why prices can be volatile 4:35 - Preparing for upcoming AI-related IPOs 6:02 - Could you handle a major drop in the stock? 6:54 - What purpose would the investment serve? 7:27 - Understanding the financial trade-offs 8:58 - How IPOs can affect your 401(k) 10:19 - Potential inclusion in the S&P 500 13:26 - AI, investing, and long-term uncertainty 16:13 - Episode wrap-up    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals.   CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by Snappy Kraken   For a list of states in which I am registered to do business, please visit www.forgewealth.com. Hartford Funds is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management  

The Moneywise Radio Show and Podcast Tuesday, July 28th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: John Duffield, CPA/MST  website: https://www.bakersfieldaccountants.com/ phone: 661-488-7000 The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. John Duffield & Bakersfield Accountants are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Friday, July 24th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Allyn Medeiros, Loan Specialist at Agape Mortgage  website: https://allynmedeiros.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Allyn Medeiros & Agape Mortgage are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Election Years Often Bring Volatility, Not Lasting Market Changes Investor questions surrounding the upcoming midterm election continue to increase, particularly regarding how election results could impact financial markets. Historically, heightened market volatility leading into an election is completely normal. Volatility has typically increased as Election Day approaches, with October often proving to be the most volatile month of the election cycle. Once election uncertainty passes, however, market volatility has generally declined. More importantly, history shows that investors should focus less on election outcomes and more on what happens afterward. Since 1950, every 12-month period following a midterm election has produced a positive return for the S&P 500, with an average gain of approximately 16.6%. Even the weakest post-election year generated a positive return. Political control has also shown surprisingly little impact on long-term market performance. Looking back to 1933, the S&P 500 has produced double-digit average annual returns regardless of which political party controlled Washington. While election outcomes certainly influence policy discussions, long-term market returns have been driven primarily by corporate earnings rather than politics. For long-term investors, maintaining focus on business fundamentals remains far more important than attempting to predict election results. Tariffs, Consumer Spending, and Interest Rates Remain Key Economic Drivers Trade policy continues to evolve following the Supreme Court’s ruling against tariffs implemented under the International Emergency Economic Powers Act (IEEPA). In response, the administration implemented a temporary 10% universal tariff through Section 122, which expired after 150 days. Going forward, tariffs can now be implemented under Section 301, allowing for more permanent and country-specific tariff rates. While individual tariff rates may vary by trading partner, the overall economic impact compared to the previous structure remains relatively modest. Investors should expect continued headlines surrounding tariffs, but these developments are largely part of an anticipated policy transition rather than a significant shift in trade strategy. Beyond trade policy, consumer health remains one of the most important indicators for the broader economy. One metric receiving close attention combines average mortgage rates with average gasoline prices. Historically, when mortgage rates exceed 6% and gasoline prices rise above $4 per gallon, the combined burden begins placing meaningful financial pressure on consumers. Sustained periods above this threshold have often coincided with mid-cycle economic slowdowns or, in some cases, recessions. Despite these headwinds, the U.S. consumer has remained remarkably resilient. However, prolonged pressure from elevated borrowing costs and energy prices could eventually begin to weaken consumer spending, making this an important trend to monitor. Interest rate expectations also continue to shift. Current market expectations suggest the Federal Reserve is unlikely to cut rates in the near term, with some investors now anticipating the possibility of additional rate hikes later this year. As leadership at the Federal Reserve evolves, markets will closely watch how policymakers respond to inflation, consumer strength, and broader economic conditions. Any unexpected shift toward higher interest rates would represent a meaningful change from the expectations many investors held entering the year and could influence both market sentiment and economic growth. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Volatility and Votes first appeared on Fi Plan Partners.

Recently I had the opportunity to be a guest on John Nagle's podcast, "Dream Home Podcast". During our conversation we discuss how many of our money habits, fears, and beliefs started when we were very young. Watch the full video TODAY on John's channel: https://youtu.be/j7bDvldBMTQ?si=W49SHWPbltiGjUIYDiscover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-socialsCheck out this link to get a copy of one (or all) of my three books! https://juliemurphy.com/storeJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

The Moneywise Radio Show and Podcast Wednesday, July 22nd BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: John Cox, Business Editor for The Bakersfield Californian  website: www.Bakersfield.com The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. John Cox & The Bakersfield Californian are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Thursday, July 23rd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Monty Byrom, Musician/Songwriter New Album: "Curtis" https://open.spotify.com/album/3ctBjEfPgbYybrWHOJ6WQw Buck Owens Bday Bash: https://www.prekindle.com/event/49563-buck-owens-birthday-bash-featuring-johnny-owens-and-the-bakersfield-sound-and-friends-bakersfield The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Monty Byrom is not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Most investors focus on average market returns, but in retirement, the sequence of those returns can make a significant difference. In this week’s episode of Educational Insights, Trey Booth explains sequence of returns risk and demonstrates how two retirees with the same average returns can end up with dramatically different outcomes based solely on when market gains and losses occur. Learn how diversification, maintaining short-term cash needs, and a thoughtful withdrawal strategy can help reduce this often-overlooked retirement risk. Watch to learn more. Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The Sequence of Returns Risk first appeared on Fi Plan Partners.

Getting your name into the media is about more than having something to promote. It takes a clear message, the right opportunities, and the patience to build trust over time. Regina sits down with public relations professional and former television reporter Michele Treacy to talk about what goes into creating a strong media presence. Michele explains how she helps executives and thought leaders identify the stories worth telling, connect with the right outlets, and become reliable sources journalists return to. They also discuss the difference between earned and paid media, the importance of collaboration, and why meaningful visibility rarely happens overnight. Michele shares her own experience transitioning from television news into public relations, the uncertainty that came with changing careers, and how she learned to trust that her existing skills could lead her somewhere new.   Episode Highlights:   0:00 - Welcome and introducing Michele Treacy 1:08 - From television news to public relations 2:49 - Finding the right media opportunities and building a clear message 6:35 - Becoming a trusted source through earned media 10:16 - Why meaningful visibility takes time 13:36 - Michele's work across different industries 17:28 - Navigating a major career transition 21:32 - Building confidence and getting out of your own head 23:22 - Michele's vision for retirement 24:32 - Letting your story and career evolve 25:24 - Episode wrap-up    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH MICHELE   Website: https://mrtcommunications.com/ LinkedIn: https://www.linkedin.com/in/mrtreacy51/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com   

Market leadership is expanding beyond the handful of mega-cap technology companies that have dominated investor attention—but what could that mean for the road ahead? In this episode of Behind the Wealth, Elias Randel, Steve Hough and Casey Mushrush discuss how broader participation across sectors may be creating a more balanced market environment. They also examine a critical question surrounding artificial intelligence: Could AI transform the economy while still falling short of investors' financial expectations? Finally, the advisors explore why investors repeatedly chase strong performance, how fear of missing out can lead to poorly timed decisions and what previous trends—including the early-2000s technology boom and the pandemic-era meme-stock craze—can teach us today. Learn how diversification, regular rebalancing and a long-term financial plan can help investors participate in emerging opportunities without allowing the latest market narrative to take control of their decisions.   Link To LPL Research Article: https://www.lpl.com/research/blog/imagining-the-unthinkable-for-ai-investors.html Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides  Get started on your path to financial freedom: www.premieriwm.com    Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

The Moneywise Radio Show and Podcast Tuesday, July 21st  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests:  Matt Clark & Chris Hagan, Partners & Trial Attorneys at Chain, Cohn, Clark website: https://www.chainlaw.com/ phone: 661-616-9829  The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Matt Clark, Chris Hagan & Chain, Cohn, Clark Law are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden talk through some scenarios where it is helpful to have thick skin! With finances (and especially investing), it won't always be fun. Investing Challenges and Suggestions: · Investment accounts will very likely go down in value at some point and may stay down for a while. BUT to date, have grown substantially over time. o $1,000 invested in the S&P 500 in 1960 would be worth close to $127,000 today. Without dividends reinvested and without taking into consideration inflation. · This is uncomfortable! But the discomfort is part of it. · Mentally prepare yourself for the rough patches. · Try not to make knee-jerk reactions or make decisions emotionally. · Diversification can potentially lessen some of the bumps in the road. Investing is not for the faint of heart! Celebrate the wins but accept the likelihood that investment returns will not always be rosy. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Finity Group, LLC is a separate entity from LPL Financial. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Citations: Lawrence of Arabia. Directed by David Lean, Columbia Pictures, 1962. MacroMicro. MSCI Global Stock Market Index 12-month Returns (USD). https://en.macromicro.me/charts/93437/MSCI-Global-Stock-Market-Index-12month-Returns-USD. Webster, Ian. Official Data Foundation. S&P 500: $100 in 1960 → $82,419.64 in 2026. https://taxfoundation.org/data/all/state/estate-inheritance-taxes/. WSJ Markets. US & Americas Stock Index. https://www.wsj.com/market-data/stocks/us/indexes. Yahoo. S&P 500. Historical Data. https://finance.yahoo.com/quote/%5EGSPC/history/?period1=-599875200&period2=31881600&interval=1wk&filter=history&frequency=1wk&includeAdjustedClose=trueS&P.

The Moneywise Radio Show and Podcast Monday, July 17th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Chad Hathaway, Foundor/CEO of Hathaway LLC website: www.hathawayllc.com  The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Chad Hathaway & Hathaway LLC are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Bonds Continue to Demonstrate Their Value While much of the attention has centered on stocks, the bond market has quietly delivered strong performance over the past two years. Bonds remain an important component of diversified portfolios because they help reduce risk, generate income, and provide stability during periods of market uncertainty. Since October 19, 2023, the total returns across the 11 major bond indices have been notably strong. That date marked the recent peak in the 10-year Treasury yield, which closed at 4.99%. Since then, Treasury yields have fluctuated significantly, falling to 3.62% in September 2024 before climbing back to approximately 4.5% in July 2026. Even with those fluctuations, today’s yield remains below the 2023 peak. Because bond prices generally move in the opposite direction of yields, declining benchmark yields have supported positive returns across much of the fixed income market. Several bond sectors have produced returns exceeding 20% during this period. Looking ahead, inflation and Federal Reserve policy will continue to play an important role in bond performance. Monitoring these factors will help determine how bonds continue to support clients’ long-term investment strategies. Inflation Shows Encouraging Signs of Normalization The latest Consumer Price Index (CPI) report provided an encouraging surprise. Monthly CPI declined by 0.4%, meaning prices actually fell during the month. This is significant because inflation discussions often focus on prices increasing at a slower rate rather than prices declining outright. Typically, inflation “coming down” simply means prices are still rising, but at a slower pace. This latest report was different. Consumers experienced actual price declines, something not seen on a monthly basis since the COVID era and a relatively rare occurrence over the past decade. Much of the decline was driven by lower gasoline prices following easing energy markets after geopolitical tensions earlier in the summer. Although oil prices have recently moved higher again, they remain well below previous peaks, suggesting that the recent decline may represent what a more normalized energy environment could look like. Perhaps even more encouraging was the strength of consumer spending. Retail sales increased by 0.22% during the same month that prices declined. When adjusted for lower inflation, consumers effectively purchased approximately 0.62% more goods and services than the previous month. This is an important distinction. During periods of rising energy prices, households often spend more filling their gas tanks while reducing purchases elsewhere, a phenomenon economists call demand destruction. Instead, the latest data indicates consumers continued spending across the broader economy while benefiting from lower prices. Although one report does not establish a long-term trend, the combination of falling prices and healthy consumer demand offers a positive glimpse into how the economy could perform as inflation continues to moderate. The outlook remains favorable for consumers, financial markets, and interest rates if this broader normalization continues. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Feeling Richer? first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Friday, July 17th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Jonathan Nguyen, M.D., Pediatrician & Credit Card Guru   The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Jonathan Nguyen is not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Wall Street's biggest research shop just told everyone how the rest of 2026 is going to play out. We're not so sure it's that simple.This week on Casual Friday: Financial Insights, we break down LPL Research's Midyear Outlook 2026 — the economy, the stock market, the bond market, and AI as the dominant investing theme — and give our honest take on where we agree, where we'd push back, and what it actually means for your portfolio.

With thousands of publicly traded companies to choose from, identifying quality investment opportunities requires more than simply following headlines or popular trends. In this week’s episode of Educational Insights, Bobby Norman shares the structured approach our Portfolio Strategies Team uses to evaluate individual stocks, from understanding a company’s business model and financial health to assessing valuation, leadership, industry trends, and potential risks. Whether you’re an experienced investor or simply curious about how investment decisions are made, this behind-the-scenes look offers valuable insight into our disciplined investment process. Watch to learn more. Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn't provide research on individual equities. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Analyzing Individual Stocks first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Wednesday, July 15th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Steve Murray, Owner of Murray Family Farms  website: https://www.murrayfamilyfarms.org/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Steve Murray & Murray Family Farms are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Social media can make it seem like everyone else is earning more, spending more, and living better. But what you see online rarely tells the full story.   In this episode, Regina breaks down money dysmorphia, the feeling that you are financially behind even when you may actually be doing just fine. She explains how influencers, algorithms, luxury content, and constant comparison can distort your idea of financial success and quietly affect your spending habits.   You'll also learn how to recognize these pressures, create healthier boundaries with social media, and bring your focus back to your own financial goals, values, and progress.   Episode Highlights:   0:00 - Introduction 1:48 - Influencers, consumerism, and unrealistic financial comparisons 5:12 - When wealth becomes tied to personal worth 8:03 - How money dysmorphia affects different generations 9:21 - Feeling behind even when your savings are on track 11:01 - Reducing social media's influence on your spending 12:06 - Building financial confidence around your own goals 13:21 - Simple ways to create healthier digital habits 13:52 - Final thoughts and episode wrap-up   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by Hartford funds.   For a list of states in which I am registered to do business, please visit www.forgewealth.com. Hartford Funds is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management   

The Moneywise Radio Show and Podcast Tuesday, July 14th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Cyrus Mojibi, COO of The San Joaquin Refining Company  website: https://www.sjr.com/ Cyrus Mojibi & The San Joaquin Refining Company are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Monday, July 13th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Esther Villa, Co-leader of the Evangelism Department at Calvary Bakersfield & Jessica Villa, Office Assistant, Calvary Bakersfield website: https://calbakersfield.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Esther Villa, Jessica Villa & Calvary Bakersfield are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Thursday, July 9th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Sue Watson, Business Consultant, Leadership and Strategy Expert, Coach, Author and Speaker website: https://businessinitiatives.com/ phone: 661.301.7162 The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Sue Watson & Business Initiatives are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Buying your first home is about much more than finding the right house. In this episode of Behind the Wealth, Casey Mushrush is joined by experienced Realtor Corey Rath to discuss today's housing market, down payments, mortgages, home inspections, hidden costs, affordability, and the financial decisions every first-time homebuyer should understand before making an offer. Whether you're planning to buy this year or just starting to save, this conversation can help you avoid costly mistakes. Follow Cory:  https://coryrath.com/ https://www.instagram.com/coryrathrealtor/  https://www.facebook.com/CoryRathRealtor/    Notes from the show:  Study Cory Referenced on Adults Aged 18-29 Living At Home https://www.pewresearch.org/short-reads/2020/09/04/a-majority-of-young-adults-in-the-u-s-live-with-their-parents-for-the-first-time-since-the-great-depression/    Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. Cory Rath and their company are not affiliated with or endorsed by LPL Financial or Premier Investments & Wealth Management. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

What holds women back from sharing their expertise, starting something new, or trusting their own instincts? In this episode of Women and Wealth, Regina sits down with Virginia Elder, founder of Podcast Abundance, to talk about podcasting, visibility, intuition, and building confidence through repetition. Virginia shares why podcasting can be such a powerful tool for women in financial and professional spaces, especially when so many still hesitate to step forward unless everything feels perfect. They also talk about the pressure women feel around appearance, why progress matters more than perfection, and how listening to your intuition can shape better business decisions.   Episode Highlights:   0:00 - Introduction 0:38 - Meet Virginia! 3:12 - Why she loves helping financial professionals get their voices out there 4:24 - The gender gap in podcasting and financial services 6:00 - Why women often wait until they feel fully "ready" 7:24 - Getting past appearance, confidence, and perfection barriers 10:09 - Why progress over perfection matters when starting a podcast 12:09 - Virginia's biggest challenge as a professional woman 14:35 - Her vision for retirement, family, travel, and flexibility 17:31 - Why mobility, strength, and health matter for future freedom 19:30 - Regina's closing takeaways: lift weights and trust your intuition  ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH VIRGINIA   Website: https://podcastabundance.com LinkedIn: https://www.linkedin.com/in/virginiaelder/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com.  

The Moneywise Radio Show and Podcast Tuesday, July 7th   BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Charmene Vega, Business Expert for the Kern Women's Business Center (KWBC) in Bakersfield websites: https://mcscorp.org/locations/kern-county/ https://mamavega.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Charmene Vega, Kern Womens Business Center & Mama Vega are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Sometimes it's fun to daydream a bit!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff unpack the potential uses of those unexpected windfalls.  The lottery is a great example, although a long shot – especially if you don't play!  Selling a business or receiving a large inheritance is much more likely for some of you.  Below are some practical (and not so practical) ideas. Practical matters first: There will be tax considerations for any windfall and consulting a tax professional and/or financial planning professional will be very helpful. They can help you consider: Lump sum vs annuity payments Timing of business ownership transfer and payments Taxation on various inherited assets and the timing of withdrawals and sales Then, assess where you are with your goals! Can ensure you are on track for retirement, college savings, debt repayment, and so many other things. Last – the fun stuff! With large windfalls, maybe you get to do that pie in the sky dream splurge? Golf simulator? Vacation house? Large chunks of money can potentially have larger tax implications depending on their source. Consulting a tax planning professional can be very helpful in these circumstances. And with these windfalls, consider what's really important to you, tackle that first, then maybe you'll have extra for a splurge! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply Citations: Loughead, Katherin.  Estate and Inheritance Taxes by State, 2025.  Tax Foundation. October 28, 2025. Bonus Depreciation for Short-Term Rentals: The Complete Guide (2026).  https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ Powerball. FAQS.  https://www.powerball.com/faqs

The Moneywise Radio Show and Podcast Wednesday, July 1st  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Dr. Stacy Pfluger, President of Bakersfield College  website: https://www.bakersfieldcollege.edu/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Stacy Pfluger & Bakersfield College are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Tuesday, June 30th   BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: John Duffield, CPA/MST website: https://www.bakersfieldaccountants.com/ phone: 661-488-7000 The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. John Duffield & Integra Accountancy Corporation are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Friday, June 26th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Chris Diniz, Associate Vice President and Chief Information Officer for CSUB & Jim Damian, CEO & Principal Consultant at Linean websites: https://csub.edu/nexttechkern/ https://linean.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Jim Damian, Chris Diniz, Linean & NextTech Kern are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

In this edition, Dr. Jeffrey Roach, LPL Financial's Chief Economist explains why China is a factor behind volatility in oil prices and highlights the ongoing strength of the dollar and business capital spending. Tracking: #1130403

The Moneywise Radio Show and Podcast Thursday, June 25th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Sky Newton, KC SHRM Conference Director & Necole Dominguez,  KC SHRM Conference Director-Elect website: https://kcshrm.org/ email: KernCountySHRM@gmail.com facebook instagram linkedin The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Sky Newton, Necole Dominguez & Kern County SHRM are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].