Podcasts about rebalancing

Americans' 401(k) balances are hitting records—but nearly one in five workers has an outstanding plan loan. Don and Tom explain why a properly sized emergency fund should protect retirement savings from life's inevitable surprises.They also show why TLT and other long-term Treasury funds are not cash substitutes: when rates move, long-duration bonds can swing like stocks. A diversified bond allocation, regular rebalancing, and clear buckets matter more than chasing today's yield.Then they examine a puzzling Social Security statement and Robinhood's expanding prediction markets, where a simple yes-or-no contract looks a lot more like gambling than investing.00:35 — Retirement savings reach record highs05:49 — The rise of 401(k) loans07:45 — Building the right emergency fund09:19 — When and why to rebalance13:08 — Why TLT is not cash19:23 — A strange Social Security estimate22:34 — Robinhood's prediction-market gambleQuestions? Comments? Click!

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Craig and David discuss strategic financial planning tips for year-end, including maximizing tax brackets, tax-efficient portfolio rebalancing, and the benefits of custom direct indexing to enhance after-tax returns.See omnystudio.com/listener for privacy information.

Fermented foods are a simple, tasty way to support not just our gut microbiome, but also our mood, skin health and mental clarity. Fermentation expert Rachel de Thample joins Liz to explore how adding these powerful foods to our plate can help transform how we feel from the inside out.They discuss the gut-brain connection, using fermented food to rebalance your gut after a course of antibiotics, and how they can help with brain fog and achy joints.Rachel also shares tips for making your own ferments – including her simple sauerkraut recipe – and explains why it's important to introduce them gradually to your diet.In this episode:· What counts as a fermented food?· The four ‘k's: kefir, kombucha, kimchi and 'kraut· Eating ferments to rewild your microbiome· Rebalancing your gut after antibiotics· Turning leftover veg into sauerkraut to reduce food waste· How sugar feeds bad bacteria and suppresses good bacteria· Why it's important to introduce ferments slowly to your diet· How your body might respond better to some ferments than others· How to make your own sauerkrautLinks in the episode:· Chuckling Goat Kefir· Food pH meter· Podcast with Hugh Fearnley-WhittingstallMore from Rachel:· Pre-order Rachel's book, The Fermentation Year: Everyday Techniques and Recipes to Rewild your Microbiome· More on Rachel's fermentation courses· Follow Rachel on Instagram Get in touch with a question for Liz:· Email: podcast@lizearlewellbeing.com· WhatsApp: 07518 471 846More from Liz:· How To Age· A Better Second Half· Follow Liz on Instagram· Follow Liz Earle Wellbeing on Instagram Host: Liz EarleProducer: Anouszka Tate (Fresh Air Production) Content Writer: Lucy ParleyHead of Brand: Ellie SmithSome links may be affiliate links, which help support the show at no extra cost to you. Read our Affiliate Policy for more information. Hosted on Acast. See acast.com/privacy for more information.

One decision in your first year of service can make you a military millionaire and most people never make it. In this long-awaited 2026 refresh of their most popular episode ever, Spencer and co-host Jamie break down the Thrift Savings Plan from the ground up: what it is, how the 5% match really works, Roth vs. traditional, the combat zone triple tax benefit, and exactly how much to contribute to retire with seven figures. Whether you just left boot camp or you're 15 years in and think you're too late, this is the no-nonsense TSP playbook for the modern service member. Questions Asked: What is the TSP, and how is it different from a savings account or a civilian 401(k)? How do the TSP and a Roth IRA work together — and why aren't they the same thing? How much can you contribute in 2026, and how much do you actually recommend? When does the government's 5% match kick in, and how do you avoid missing it? Can you contribute to a non-working spouse's IRA? Roth or traditional — which should most military members choose? What are catch-up contributions, and who are they actually for? How does the combat zone tax exclusion (CZTE) supercharge Roth contributions? I'm 10–15 years in under Legacy High-3 — is the TSP still worth it? What happens to my TSP when I separate or retire? How do the G, F, C, S, and I funds work, and what should I pick? What are Lifecycle (L) funds, and are they good enough? Is the TSP still a good deal on cost compared to Fidelity's zero-fee funds? What are your personal allocations? If I'm feeling overwhelmed, what's the one thing I should do? Main Topics Covered: TSP basics: employer-sponsored plan, Blended Retirement System (BRS) vs. Legacy High-3, and the 2018 transition The 5% match explained — 1% automatic + 4% after your 2-year mark — and why it doesn't count against your $24,500 elective deferral limit 2026 contribution limits: $24,500 TSP, $7,500 per person IRA, and the $72,000 combined limit The millionaire math: 20% (officer) or 25% (enlisted) to Roth TSP = a seven-figure account in 20 years Setting it up in myPay and tsp.gov, and why you should spread contributions across all 12 months Roth vs. traditional for military pay, and why Roth wins for ~90%+ of service members The combat zone triple tax benefit and tax-free re-enlistment bonuses New for 2026: Roth in-plan conversions and the military mega backdoor Roth Late to the game? Why it's never too late to start Keeping, rolling over, or consolidating your TSP after separation — and Guard/Reserve combined limits Breaking down all five funds (G, F, C, S, I) — including the I Fund's ex-China index change Lifecycle/target-date funds as the ultimate hands-off solution, and why chasing Facebook-group "gurus" backfires Costs, expense ratios, front-end load fees (looking at you, First Command), and the mutual fund window Rebalancing, interfund transfers, and tax-efficient asset placement Spencer's and Jamie's personal allocations, and why there's no perfect portfolio Resources Mentioned: The Military Money Manual: A Practical Guide to Financial Freedom (Amazon / militarymoneymanual.com) Tools at militarymoneymanual.com: MilTaxCaster: https://militarymoneymanual.com/military-tax-estimator/MilTaxCaster Cost/expense ratio calculator: https://militarymoneymanual.com/costs/ Roth TSP conversion calculator: https://militarymoneymanual.com/roth-tsp-conversion-calculator/ Contribution percentage chart: https://militarymoneymanual.com/military-tsp-match-max/  tsp.gov and FINRA.org (unbiased resources) Related episodes: #2 (original TSP) https://podcast.militarymoneymanual.com/ , #39 (mutual fund window) https://podcast.militarymoneymanual.com/39-2022-changes-to-the-tsp-mutual-fund-window-tsp-app-more/, #211 (Roth in-plan conversions with Brian "Alf" O'Neill) https://podcast.militarymoneymanual.com/roth-in-plan-conversions-tsp-with-brain-alf-oneill-211/  Tax Planning To and Through Early Retirement by Sean Mullaney and Cody Garrett Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

The market's long winning streak has investors wondering whether a crash is waiting in the wings. Don and Tom look at the S&P 500's run, the lost decade that followed the 1990s boom, and why international diversification changed that outcome dramatically.They also explain why market timing asks the impossible: missing the worst days sounds wonderful, but missing the best days can be devastating. The less theatrical answer is still the useful one—make a plan, understand your tolerance for risk, diversify broadly, and sit still.Then it's on to a near-retiree offered a portfolio stuffed with individual stocks, whether international bonds belong in a simple portfolio, why a professionally managed 20-fund portfolio is different from a DIY one, and how to rebalance when Roth and traditional accounts complicate the job.3:33 — A historic market streak—and what might follow4:31 — The lost decade diversification softened7:08 — Why timing the best and worst days fails9:22 — The boring answer: plan, diversify, be patient14:04 — Individual stocks on the eve of retirement?23:02 — A quick Celebration restaurant detour24:28 — Do international bonds belong in your portfolio?27:38 — When 20 funds are too many—or not32:24 — Rebalancing across Roth and traditional accountsQuestions? Comments? Click!

This week's show covers the risk of being too safe in your portfolio, how and when to file for Social Security, HSA's, mental incapacity, and more!

Daniel Schuman of the American Governance Institute joins Management Matters host James-Christian Blockwood this week!Are we in a “crisis point” for U.S. institutions driven by expanded presidential power, courts overturning precedent and reshaping agency independence, and Congress failing to assert its authorities? Daniel Schuman brings an encyclopedic knowledge of history and the legislative branch to a discussion about what may be next for the federal government.00:00 Elections And Escalation01:32 Institutions At A Crossroads03:08 Defining The Crisis05:26 Restoring Checks And Balances09:39 Power Vacuum And A New Deal Lesson12:01 Elections Could Worsen Tensions15:17 Durable Democracy Reforms17:55 The Challenges of Elections and the Courts22:26 Modernizing Congress with Incentives25:55 Reasons For Optimism

What would I buy if I were starting from $0 today and wanted to build a $1 million portfolio over the next 20 years?In this episode of Let It Grow Investing, we break down how I'd approach building a balanced, growth-focused portfolio at age 40.

This week's show covers the risk of being too safe in your portfolio, how and when to file for Social Security, HSA's, mental incapacity, and more!

Wenn die Börsen gut laufen, wächst häufig nicht nur das Vermögen – sondern unbemerkt auch das Risiko im Depot. Denn unterschiedliche Wertentwicklungen können dazu führen, dass sich die ursprüngliche Aufteilung eines Portfolios immer weiter verschiebt. Aus einer bewusst gewählten Anlagestrategie wird so mit der Zeit eine ganz andere Risikostruktur. In dieser Folge von FinanzDialog sprechen Nadine Kostka von Liebinsfeld und Marc Seifer darüber, warum Rebalancing weit mehr ist als eine technische Umschichtung im Depot. Sie zeigen, wie klare Regeln dabei helfen können, Anlageentscheidungen nicht von Euphorie oder Angst bestimmen zu lassen. Außerdem erfahren Sie, warum Rebalancing keine Prognose über die weitere Börsenentwicklung ist und weshalb vor jeder Anpassung zunächst die persönliche Lebens- und Vermögenssituation betrachtet werden sollte. Finanzielle Klarheit. Für ein selbstbestimmtes Leben.

Is it truly the beginning of the end of Western dominance? Where did it all go wrong? And is this more than just an upheaval of the status quo?For centuries, Western powers dominated the global order and mistook that moment for permanence. Join Former President of the UN Security Council. Kishore Mahbubani, who argues the shift now underway is not upheaval but historical rebalancing. Asian and other non-Western societies are not “rising” but returning to their natural weight in world affairs. The danger lies in Western refusal to accept this reality. The West's clinging to primacy is distorting policy and fueling conflict."Arguably Asia's most influential thinker." - Martin WolfKishore Mahbubani is a Singaporean diplomat and scholar. A former President of the UN Security Council, his work examines the geopolitics of Asia's return to the global centre stage.Don't hesitate to email us at podcast@iai.tv with your thoughts or questions on the episode!To witness such talks live buy tickets for our upcoming festival: https://howthelightgetsin.org/festivals/And visit our website for many more articles, videos, and podcasts like this one: https://iai.tv/You can find everything we referenced here: https://linktr.ee/philosophyforourtimesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stocks are back near record highs, the trend remains bullish, and market breadth is strong. But after a powerful run, the S&P 500 is stretched well above its major moving averages, while investor sentiment and money flows have reached extreme levels. Lance Roberts reviews Yen Intervention Narrative amd examines what is driving the rally, why retail investors are piling back into previously beaten-down trades, and whether strong earnings, buybacks, and broad participation can keep markets moving higher. Rebalancing, taking profits in oversized positions, and maintaining discipline may be more important than trying to squeeze every last percentage point out of the rally. 0:00 INTRO 0:54 - 20-Weeks Until Christmas & Pumpkin Spice 2:00 - Target, WalMart, & Retail Spending 6:59 - Markets Post Third Week of Gains 9:54 - Volatility & Risk/Reward 13:07 - Your vs You're & UR 14:45 - Yen Interventions & Dollar Swaps 19:48 - The 2011 Japan Crisis 28:49 - Do You Chase this Rally? 34:04 - Money Flow & Market Breadth 38:54 - What You Should Do Next Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Is the Market's Risk-Reward Getting Worse? https://youtu.be/zadlkEF7iN0 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/c44_giKICEY?feature=share ------- Articles mentioned in this report: "Yen Intervention Narrative: What's True And Not" https://realinvestmentadvice.com/resources/blog/yen-intervention-narrative-whats-true-and-not/ "Record Highs: Should You Chase The Rally?" https://realinvestmentadvice.com/resources/blog/record-highs-should-you-chase-the-rally/ "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch our previous show, "The Retirement Magic Number Trap" https://youtube.com/live/vjIZ60E3B0I?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #PortfolioManagement #MarketRally #SP500 #YenIntervention

Stocks are back near record highs, the trend remains bullish, and market breadth is strong. But after a powerful run, the S&P 500 is stretched well above its major moving averages, while investor sentiment and money flows have reached extreme levels. Lance Roberts reviews Yen Intervention Narrative amd examines what is driving the rally, why retail investors are piling back into previously beaten-down trades, and whether strong earnings, buybacks, and broad participation can keep markets moving higher. Rebalancing, taking profits in oversized positions, and maintaining discipline may be more important than trying to squeeze every last percentage point out of the rally. 0:00 INTRO 0:54 - 20-Weeks Until Christmas & Pumpkin Spice 2:00 - Target, WalMart, & Retail Spending 6:59 - Markets Post Third Week of Gains 9:54 - Volatility & Risk/Reward 13:07 - Your vs You're & UR 14:45 - Yen Interventions & Dollar Swaps 19:48 - The 2011 Japan Crisis 28:49 - Do You Chase this Rally? 34:04 - Money Flow & Market Breadth 38:54 - What You Should Do Next Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Is the Market's Risk-Reward Getting Worse? https://youtu.be/zadlkEF7iN0 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/c44_giKICEY?feature=share ------- Articles mentioned in this report: "Yen Intervention Narrative: What's True And Not" https://realinvestmentadvice.com/resources/blog/yen-intervention-narrative-whats-true-and-not/ "Record Highs: Should You Chase The Rally?" https://realinvestmentadvice.com/resources/blog/record-highs-should-you-chase-the-rally/ "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch our previous show, "The Retirement Magic Number Trap" https://youtube.com/live/vjIZ60E3B0I?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #PortfolioManagement #MarketRally #SP500 #YenIntervention

In this episode of Dollars & Sense, Rob Field and Joel Garris discuss how everyday financial decisions are shaped by both market conditions and personal money habits. They break down the latest market themes, including record highs, corporate earnings, interest rates, inflation, and why investors should review their portfolios even when things seem optimistic.Rob and Joel also explore how mindset and behavior can impact financial success—from impulse spending and emotional money decisions to simple strategies like the 24-hour rule, monthly money meetings, and creating friction before clicking “Buy Now.” Whether you are trying to stay disciplined in a changing market or build better financial habits, this conversation offers practical reminders for making thoughtful, intentional decisions with your money.

Some financial decisions can't be made by looking at just one number. This week, we start with major changes coming to federal student loan repayment and why married borrowers may need to consider not only their monthly payment, but how their tax-filing status affects both their cash flow and bigger financial picture.Then, a listener asks whether it's time to rethink a healthcare fund he's owned for 25 years. We examine what's changed in the sector, how artificial intelligence could reshape parts of the healthcare industry, and why deciding whether an investment still belongs in your portfolio requires looking beyond recent performance to your allocation, goals, and time horizon.Finally, with the stock market continuing to reach record territory, we tackle a familiar question: What do you do with fresh cash when stocks are already at all-time highs? From rebalancing and paying down high-interest debt to fixed income, diversification, and putting money into the market gradually, we explore ways to put your next dollar to work without trying to predict the next correction. We wrap up with a look at the latest market moves and what's been driving them.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks August 15, 2026  |  Season 40, Episode 33Timestamps and Chapters6:07: For Better or for Worse… and for Student Loans13:00: Healthcare Stocks: Look Back or Look Ahead?27:12: All-Time Highs Aren't a Stop Sign36:21: What's Been Moving the MarketFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com 

In this special crossover episode of Hiring to Firing and The Consumer Finance Podcast, hosts Tracey Diamond and Emily Schifter shift from their usual format and team up with Taylor Gess as they map out obligations hiding in plain sight for multistate financial services employers. The conversation covers crafting a legally defensible employee handbook, pay transparency complexities, and wage and hour classification risks. Together, they deliver guidance for banks, fintechs, lenders, and card issuers operating across state lines, in addition to addressing the thorny intersection of earned wage access, remote workers, and the rapidly evolving assortment of AI hiring laws. It is the episode every financial services employer should hear before their next hire, expansion, or employment compliance review. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There is no perfect portfolio. A Bogleheads study looking back over 20 years found no diversified portfolio beat a similarly risky one by more than 1–2% per year — and that edge usually gets eaten up by advisory fees, behavioral errors, and poor tax management anyway. Stop optimizing. Spencer Reese walks through 10 reasonable asset allocations for military service members, from the simplest set-and-forget option to the one he uses himself. The goal isn't the best portfolio — it's a low-cost, automated, diversified, and simple (LADS) portfolio you can hold through good times and bad, applied consistently across your TSP, Roth IRA, and taxable brokerage account. The 10 portfolios: Lifecycle (L) fund — under 10 basis points, rebalanced automatically 100% global market cap weighted stocks — VT, or 48% C / 12% S / 40% I The Warren Buffett 90/10 — S&P 500 plus short-term government bonds Pure S&P 500 — 100% C fund, and what you give up The Simple Path to Wealth — JL Collins' total US stock market approach The 50/50 two-fund portfolio The Bogleheads three-fund portfolio The classic 60/40 — and how it maps to the 4% rule Rick Ferri's Core Four — three-fund plus a REIT Spencer's personal allocation — 60% US / 30% international / 10% bonds Also covered: Why your asset allocation applies across every account, not fund by fund Fads worth avoiding: small cap value tilts, crypto, long-term bonds Why REITs belong in a Roth IRA, not a taxable account How Spencer shifted from 100% stocks to adding bonds after reaching financial independence Rebalancing: every two or three years is plenty "The enemy of a good plan is the dream of a perfect plan" — Clausewitz Got value out of this episode? Send it to someone in your unit and leave us a five-star review on Spotify or Apple. It's the best way to help other service members find the show.

In this special crossover episode of The Consumer Finance Podcast and Hiring to Firing, hosts Taylor Gess, Tracey Diamond, and Emily Schifter map out obligations hiding in plain sight for multistate financial services employers. The conversation covers crafting a legally defensible employee handbook, pay transparency complexities, and wage and hour classification risks. Together, they deliver guidance for banks, fintechs, lenders, and card issuers operating across state lines, in addition to addressing the thorny intersection of earned wage access, remote workers, and the rapidly evolving assortment of AI hiring laws. It is the episode every financial services employer should hear before their next hire, expansion, or employment compliance review. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Atlanta housing market enters the second half of 2026 on relatively solid footing but buying and selling dynamics continue to shift. Inventory rises, buyers gain more options and sellers negotiate more often on price and concessions.  John Ryan, chief marketing officer at Georgia MLS (GAMLS), joins Host Carol Morgan on Atlanta Real Estate Forum Radio to discuss what recent housing data shows for Metro Atlanta and where the market is headed next.  Atlanta Housing Market Finds Balance  Ryan describes the market as “rebalancing, not retreating.” The market does not show a dramatic downturn. Instead, it continues moving away from the highly competitive pandemic-era conditions and toward a more balanced environment.  One of the clearest signs of the shift comes from rising inventory and changing buyer behavior.  Recent GAMLS data shows 36.4% of listings sold between January and July experienced a price change. Nearly 67% of sold listings included a seller concession, with a median concession of $5,000.  Those figures reflect a market where sellers respond more directly to buyer expectations.  Another key metric shows that 22% of listings that went under contract in January returned to active status by July. While that level does not represent a dramatic spike compared to previous years, it does show a gradual shift in negotiating power.  “Buyers have really kind of regained some leverage in the transaction negotiations,” Ryan said.  More Atlanta Inventory Expands Buyer Options  Rising inventory gives buyers something they have lacked in recent years: time. Buyers now compare properties, evaluate features and assess value without the same pressure to act immediately. That shift creates new challenges for sellers. Homes that once attracted multiple offers now compete with other listings for attention. Sellers benefit from pricing homes for current conditions rather than relying on past market highs. Competitive pricing increases early interest and reduces the risk of price reductions later.  Presentation also plays a larger role. Move-in-ready homes often outperform properties that require updates or repairs, especially when buyers have multiple choices. Sellers also need to prepare for negotiation. With nearly 67% of sold listings involving concessions, buyers frequently request credits or other terms during the transaction.  Atlanta Home Sales Remain Steady  Even with higher inventory, the Atlanta housing market remains active. Closed sales stayed steady through June, with sales volume up 4% year over year. Nearly 5,700 homes sold across the Atlanta 12-county core during the month, generating more than $3 billion in volume. The median sales price reached approximately $420,000, compared with about $417,000 a year earlier.  “Fundamentally, I think the market is healthy,” Ryan said.  The $350,000 to $500,000 range remains the most active, but the luxury segment also continues to see movement.  New Construction Expands Housing Supply  New construction adds another layer of inventory for Atlanta-area buyers. The additional supply gives buyers more choices when comparing new homes with existing properties.  For builders, steady demand supports continued development. For buyers, new construction offers modern layouts, warranties and fewer immediate repair needs.  Pending Sales Signal Future Activity  While closed sales remain stable, pending sales show a different trend.  Those numbers have declined year over year:  April: 21% decline in under-contract listings  May: 27% decline  June: nearly 30% decline  Because most homes close within 30 to 60 days, these declines may signal softer sales activity later in the summer and toward year-end.  Interest Rates and Confidence Shape Demand  Mortgage rates, employment and consumer confidence continue to influence buyer activity. Even small rate changes affect demand. A move closer to 6% could bring some buyers off the sidelines, especially those comparing current rates to pandemic-era lows.  Ryan notes that 6% to 7% mortgage rates remain historically reasonable, but many homeowners hesitate to give up ultra-low rates secured in recent years. That “lock-in effect” continues to limit resale inventory as homeowners weigh the cost of moving against existing low-rate mortgages.  Atlanta Housing Market Outlook for Late 2026  Ryan does not expect major swings in either direction for the remainder of 2026. The key question centers on whether declining pending sales will eventually reduce closed sales later in the year. Seasonality may also influence activity as the summer buying season ends and families settle into the school year.  To learn more about GAMLS, listen to the full episode of Atlanta Real Estate Forum Radio or visit https://www.gamls.com/.   About Georgia Multiple Listing Services  Georgia MLS is the largest real estate marketplace in Georgia, serving 52,600 agents and 4,600 brokerage offices across the state. Its offices can be found in the North Georgia Mountains, through metro Atlanta and all along the Georgia coast.  What does Georgia MLS bring to the Atlanta housing market? The multiple listing service provides opportunities for brokerages and agents to connect and work together for their clients. Georgia MLS is also a proud founding partner of the Southeast MLS alliance – Georgia MLS, Charleston MLS, Charlotte MLS and Nashville MLS.  Podcast Thanks       Thank you to Denim Marketing for sponsoring Atlanta Real Estate Forum Radio. Known as a trendsetter, Denim Marketing has been blogging since 2006 and podcasting since 2011. Contact them when you need quality, original content for social media, public relations, blogging, email marketing and promotions. A comfortable fit for companies of all shapes and sizes, Denim Marketing understands marketing strategies are not one-size-fits-all. The agency works with your company to create a perfectly tailored marketing strategy that will suit your needs and niche. Try Denim Marketing on for size by calling 770-383-3360 or by visiting www.DenimMarketing.com.        About Atlanta Real Estate Forum Radio       Atlanta Real Estate Forum Radio, presented by Denim Marketing, highlights the movers and shakers in the Atlanta real estate industry – the home builders, developers, Realtors and suppliers working to provide the American dream for Atlantans. For more information on how you can be featured as a guest, contact Denim Marketing at 770-383-3360 or fill out the Atlanta Real Estate Forum contact form. Subscribe to the Atlanta Real Estate Forum Radio podcast on iTunes, and if you like this week's show, be sure to rate it. Atlanta Real Estate Forum Radio was recently honored on FeedSpot's Top 100 Atlanta Podcasts, ranking 16th overall and number one out of all ranked real estate podcasts. The post GAMLS: Atlanta Housing Market Is Rebalancing, Not Retreating appeared first on Atlanta Real Estate Forum.

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.

Your S&P 500 fund says 7% — but over 300 of its stocks are beating the index. This week we dig into the massive broadening of the market that almost nobody in the financial media is talking about, and why we think it's the healthiest thing to happen to this bull market in years.For three years, seven stocks did all the talking. This year, the other 493 are answering. On this week's Money On Tap, we walk through the numbers behind the broadening: the Magnificent Seven still make up roughly a third of every dollar in a cap-weighted S&P 500 index fund — which is exactly why so many statements look stuck at 7% while the equal-weight S&P runs above 14%, the Russell 1000 Value nears 20%, and healthcare and industrials each post roughly 24% year to date. We connect it to the 100-year-old Dow theory (industry makes goods, transportation moves them — and both are near highs), unpack the defensive-stock paradox (staples rallying while nobody calls a recession), revisit the historical pattern from 1983, 1995, 2003, 2013, and 2020 where tech blows out and then leadership broadens — and get practical about what a broadening market rewards most: rebalancing, equal-weight exposure, sector and international diversification, and knowing what your 401(k) actually owns.What you'll learn:Why a third of every S&P 500 index-fund dollar sits in just seven stocks — and what that's done to your return this yearThe breadth numbers: 300+ stocks beating the index, roughly seven in ten S&P names up on the yearThe sector scoreboard: healthcare ~24%, industrials ~24%, staples ~11.3%, financials ~9.7%, utilities ~7.6%Why money is rotating, not leaving — and why that's the opposite of how crashes startDow theory at 100+: what industrials and transports near highs historically signalThe defensive-stock paradox: staples leading without a recession call anywhere in sightThe rebalancing playbook: taking profits without apology, calendar discipline, equal-weight funds (11.9% vs 10.9% over 20 years)How to broaden with new contributions instead of selling your winnersTarget-date fund warnings: layered fees, hidden allocations, and no way to rebalanceWhy this is not a reason to dump technology — proportion, not exitPlus Money In The News:A property-management company bets $200K on AI to make the trades more efficient — filling a labor gap instead of cutting jobsApple set for its strongest June-quarter sales growth in five years — flat iPhone pricing, a $5 trillion moment, and sitting out the AI arms raceThe 100-year-old Dow theory says this market isn't done climbingWant a white paper on this week's topic? Email us at info@yourmoneyontap.com and we'll send it over.Read the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Index and sector figures cited are approximate year-to-date values as of the air date, drawn from sources believed reliable, and subject to change. Past performance is not a guarantee of future results.Why is my S&P 500 index fund underperforming the market in 2026?Because the S&P 500 is cap-weighted: roughly a third of every dollar in the index sits in just seven stocks — the Magnificent Seven — and several of them are having an off year. Meanwhile the equal-weight S&P 500 is up more than double the cap-weighted index, and over 300 individual S&P stocks are beating it, led by healthcare and industrials near 24%. The fix isn't leaving the market — it's diversification: equal-weight exposure, sector funds, and a rebalancing discipline that trims concentration back to your plan.

On this episode of Asia Inside Out, Farwa Aamer, Director for South Asia Initiatives at the Asia Society Policy Institute, sits down with David Sanger, White House and national security correspondent for The New York Times. Sanger unpacks the Iran war's shifting goalposts and its ripple effects across the Persian Gulf; the emergence of players like Qatar, Turkey, Egypt, and Pakistan and what the shifting regional order means for the United States; the recalibration of U.S.-China relations under Trump's second term; Europe's defense spending reckoning and doubts over America's security guarantees; and how the global artificial intelligence race is changing the nature of conflict and reshaping great power competition.Asia Inside Out brings together our team and special guests to take you beyond the latest policy headlines and provide an insider's view on regional and global affairs. Each episode we'll deliver an interview with informed experts, analysts, and decision-makers from across the Asia-Pacific region. If you want to dig into the details of how policy works, this is the podcast for you. This podcast is produced by the Asia Society Policy Institute, a “think-and-do tank” working on the cutting edge of current policy trends by incorporating the best ideas from our experts and contributors into recommendations for policymakers to put these plans into practice. 

Listener questions take over the studio as Don and Tom work through a very big pile without sacrificing any more forests than necessary. The quick tour runs from life insurance in retirement to the seductive yield on floating-rate bank-loan ETFs—and why extra income usually comes with extra risk.Then a live call turns asset allocation into an actual retirement plan: how a couple can move from 90/10 to 70/30, use Roth space intelligently, and rebalance without guessing what the market will do next. The hosts also weigh simplifying banking at Fidelity or Schwab, the Social Security shortfall, and the limits of retiring at 53 on a $2.8 million 401(k).It's a brisk, practical Q&A about making portfolios safer, simpler, and realistic—plus expensive vacations, old television, and the strange persistence of paper.00:00 A special midweek Q&A03:29 Life insurance after retirement06:47 The risk behind high-yield bank-loan ETFs11:12 Bonds inside Roth accounts13:14 Moving a portfolio from 90/10 to 70/3022:54 Spending more after years of saving25:18 Consolidating banking at a brokerage26:53 How to repair Social Security31:10 Can $2.8 million fund retirement at 53?Questions? Comments? Click!

In this episode of ThimbleberryU, Jag and Amy talk about the difference between simple investing and ignoring your portfolio. This is especially for those of you working in tech, where it is easy for much of your financial life to become tied to the same industry without realizing it. Your paycheck may come from tech. Your RSUs or stock options may depend on your company's performance. Your future career growth may depend on the same sector. Then, on top of that, your investments may also be heavily weighted toward technology through index funds or individual stocks. Amy explains that many investors want a “set it and forget it” approach because they want peace of mind. That is understandable. The problem is that simple and unattended are not the same thing. A target date fund may feel passive to the investor, but there is still a process behind it. Your fund is being rebalanced and adjusted over time. That is very different from building a portfolio once and then never checking whether the risks still fit your life. The biggest issue for you could be concentration risk. This is when too much of your financial life is exposed to the same company, industry, or type of investment. This risk often builds slowly. It may not come from one bad decision. It can come from you saving consistently, investing responsibly, holding company stock, and buying familiar tech names on the side. During strong markets, that can feel great. But when layoffs, downturns, or sharp drops hit, your risk becomes much more obvious. Jag compares it to gambling, where early success can make someone feel like their strategy is working even when they are taking on more risk than they realize. Amy agrees: success itself can quietly create concentration. A stock or sector does well, becomes a bigger part of the portfolio, and starts to feel normal. That is exactly why rebalancing matters. Rebalancing is not about you trying to predict the market. It is about managing risk. It keeps yesterday's winners from becoming tomorrow's overexposures. For tech professionals, this can be especially important because strong performance in the sector may increase both your confidence and concentration at the same time. We also talk about the emotional side of company stock. Amy explains that once shares vest, they become part of your investment portfolio. At that point, holding them should be an investment decision, not just an emotional one. One helpful question we ask clients is this: If your company paid you the same amount in cash instead of stock, would you use that cash to buy company shares? For many people, the answer is no. Your long-term investing should feel calm, simple, and intentional. It does not require reacting to every headline. But it also should not mean abandoning your portfolio for years at a time. A healthy strategy includes periodic reviews, rebalancing, checking concentration risk, and making sure your investments still match your goals. Calm requires attention, not abandonment. (00:00) Intro (00:49) Why tech workers want simplicity and peace of mind. (02:00) Target date funds vs portfolios that are built once and ignored. (03:42) A seemingly diversified portfolio can have concentration risk (05:52) How success can quietly create concentration risk. (06:44) Rebalancing (08:22) The emotional attachment people can have to company stock. (10:39) The healthy middle ground: calm, simple, and intentional investing To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

This week, Liz Ann Sonders and Collin Martin discuss one of the market's biggest themes, AI, and why the enormous capex spending on AI reinforces the importance of portfolio rebalancing. Liz Ann explains how AI-related companies now make up a significant share of major stock indexes and explores the risks that come with growing concentration in a handful of large-cap names. Rather than trying to predict which AI winners will emerge next, she highlights rebalancing as a disciplined way to trim outperformers, add to lagging areas, and maintain diversification. The conversation also touches on opportunities beyond the largest technology stocks, including equal-weight index funds, small-cap stocks, and quality-focused investing. On the fixed income side, Collin discusses how investors can think about rebalancing bond portfolios by balancing interest-rate risk and credit risk. He explains why investors sitting in cash or very short-term investments may be able to capture higher yields further out on the yield curve and why selective exposure to higher-quality corporate bonds may still make sense despite relatively tight credit spreads. Finally, Liz Ann and Collin discuss how inflation, AI-related investment spending, and the strength of the consumer could shape both Fed policy and market performance in the months ahead. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.  If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal.  Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.  Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Diversification, rebalancing, and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets. Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability. Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options: https://www.schwab.com/Futures_RiskDisclosure prior to trading futures products. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions  (0726-KJ39) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's Q&A Wednesday, and we're tackling some of the biggest questions investors are asking right now. How do you separate compelling market narratives from reality? We discuss practical ways to identify, question, and fact-check popular investing themes before making portfolio decisions. 0:00 INTRO 0:52 - Google, Intel, Tesla Preview 5:45 - Oil Price Futures & Iran 10:44 - How much allocation to high risk, high reward strategies? 14:44 - Which company for toilet paper price increases 15:25 - Determining when to buy stock in high momentum sector (like semi-conductors)? 19:59 - SimpleVisor S&P Estimated earnings 20:32 - Long dated calls & puts for risk management in current market? 24:22 - Hyperscalers & AI GPU Depreciation & Free Cash Flow 28:27 - Holdings Breakdown in S&P - buying equally in all sectors? 31:45 - Is there a good Sector Rotation Fund we watch? 32:25 - What do we do in the morning to prepare for the day? (not Suze Ormand) 36:12 - Isn't Rebalancing adding to losers? 40:15 - Roth IRA w ETF's 41:26 - Private Credit in a slowing economy 44:51 - Have Food Stocks bottomed? (General Mills) 48:11 - Outlook for Interest Rates through the end of the year 49:53 - Are Energy Stocks attractive? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/AmHOXWmt2OI ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Eye Earnings as Oil Lifts Yields" https://youtu.be/rWpYjR1_Cxs ------- Watch our previous show, "Why Investors Keep Chasing What's Hot" https://youtube.com/live/-ZZA_xtFZGg?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #EarningsSeason #InterestRates #Investing #StockMarket #PersonalFinance #WealthBuilding #LongTermInvesting

Mike Lomas hosts this week with Glenn Wiggle out, welcoming advisor Jack Haxton for his first podcast appearance, with a push to feature more of producer Ann Horan going forward. Haxton opens with the cancellation of Buffalo's 11th annual World Naked Bike Ride, called off over threats of violence, and the two react to organizers' framing of public nudity as protected protest against oil dependency and inequality, with Lomas arguing such displays cross a line when children are present. The conversation turns to Salamanca schools testing an AI educational robot named Sally, prompting Lomas to reflect on how much AI has changed his own daily problem-solving, from checking whether his daughter's medication was gluten-free to tackling home projects himself. He and Haxton discuss why America needs to lead on AI and where data centers should be built, then shift to wealth-building, where Lomas shares the story of a friend whose $50-a-month contribution grew to $265,000 over three decades and makes the case for starting young, staying consistent, and rebalancing rather than chasing the market. The episode closes with the hosts criticizing Governor Kathy Hochul's remark that small upstate communities lack the sophistication to negotiate with major tech companies, which Lomas counters by praising the business acumen of local farmers, before broader jabs at Zohran Mamdani, critiques of capitalism, and figures like Barack Obama and Bernie Sanders.00:00:00 - Intro: Jack Haxton joins, Glenn off00:02:01 - Buffalo Naked Bike Ride canceled00:07:37 - Robot teachers and AI in schools00:09:09 - AI as an everyday learning tool00:16:33 - US leadership in AI and data centers00:17:15 - The case for investing early00:21:51 - Rebalancing and taking profits00:23:16 - Hochul's "unsophisticated upstate" remarks00:26:22 - Capitalism, Mamdani, and the left00:28:35 - Closing and sign-off

It's Q&A Wednesday, and we're tackling some of the biggest questions investors are asking right now. How do you separate compelling market narratives from reality? We discuss practical ways to identify, question, and fact-check popular investing themes before making portfolio decisions. 0:00 INTRO 0:52 - Google, Intel, Tesla Preview 5:45 - Oil Price Futures & Iran 10:44 - How much allocation to high risk, high reward strategies? 14:44 - Which company for toilet paper price increases 15:25 - Determining when to buy stock in high momentum sector (like semi-conductors)? 19:59 - SimpleVisor S&P Estimated earnings 20:32 - Long dated calls & puts for risk management in current market? 24:22 - Hyperscalers & AI GPU Depreciation & Free Cash Flow 28:27 - Holdings Breakdown in S&P - buying equally in all sectors? 31:45 - Is there a good Sector Rotation Fund we watch? 32:25 - What do we do in the morning to prepare for the day? (not Suze Ormand) 36:12 - Isn't Rebalancing adding to losers? 40:15 - Roth IRA w ETF's 41:26 - Private Credit in a slowing economy 44:51 - Have Food Stocks bottomed? (General Mills) 48:11 - Outlook for Interest Rates through the end of the year 49:53 - Are Energy Stocks attractive? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/AmHOXWmt2OI ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Eye Earnings as Oil Lifts Yields" https://youtu.be/rWpYjR1_Cxs ------- Watch our previous show, "Why Investors Keep Chasing What's Hot" https://youtube.com/live/-ZZA_xtFZGg?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #EarningsSeason #InterestRates #Investing #StockMarket #PersonalFinance #WealthBuilding #LongTermInvesting

Aktive ETFs werden bei Anlegern immer beliebter. Mit dem Frankfurter Modern Value ETF gehört mittlerweile auch eine regelbasierte Value-Strategie zu diesem wachsenden Markt. Gemeinsam mit Heiko Böhmer, Kapitalmarktstratege bei der Shareholder Value Management AG, sprechen wir über das aktuelle Rebalancing des ETFs: Warum kehrt Alphabet zurück? Weshalb wurden Deutsche Börse neu aufgenommen sowie Amazon und DiaSorin verkauft? Außerdem erklärt Heiko, wie der Auswahlprozess funktioniert, warum der ETF nur 25 gleichgewichtete Aktien hält und weshalb Europa aktuell mehr attraktive Value-Chancen bietet als die USA. Ein spannender Einblick in die Welt aktiver ETFs und moderner Value-Investments. ++++++++ Kennst du die Risiken in deinem Portfolio? Mit dem extraETF Portfolio Tracker erhältst du volle Transparenz und tiefe Einblicke in dein Vermögen. Analysiere deine Aktien, ETFs und Fonds zudem mit detaillierten, individuellen Performance-Metriken, X-Ray-Analysen und vielem mehr. Teste den Portfolio Tracker jetzt kostenlos: https://go.extraetf.com/portfoliotracker ++++++++

A strong market can make retirement feel easier—until the next downturn tests the plan. Damon Roberts & Matt Deaton talk through buying the dip, rebalancing risk, and why retirees may need a strategy built for their stage of life rather than market headlines. They also discuss the stress of not having a written retirement plan, the value conversation around professional guidance, and how clarity can help retirees avoid emotional decisions when markets shift. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Making smart portfolio decisions require more than just choosing investments. It requires managing your own behavior. Mark speaks with Schwab Wealth Advisory's Chief Portfolio Strategist Kasey McCurdy about how emotions influence investing decisions and why investors often struggle with rebalancing, diversification, and staying invested during market volatility. Along the way, they share practical ways to approach portfolio construction and avoid common behavioral investing pitfalls. After you listen: Learn how a goals-based approach to investing can help you build and manage a portfolio with Schwab Wealth Advisory™. Check out Schwab's resources on portfolio management for more about diversification, rebalancing, and other long-term investing strategies. Financial Decoder is an original podcast from Charles Schwab.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Diversification, asset allocation, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability. There are risks associated with investing in dividend paying stocks, including but not limited to the risk that stocks may reduce or stop paying dividends. Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation. Investing involves risk, including loss of principal. ​Past performance is no guarantee of future results. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0726-GHDM Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to the Energy News Beat Standup, where host Stu Turley breaks down the 10 biggest energy stories reshaping global markets. In this episode, we dive into a world in flux: Russia's refining capacity is crumbling under Ukrainian drone strikes, Iraq is suspending exports and seeking independence from Iranian energy, and new pipeline projects are being fast-tracked to bypass the Strait of Hormuz. Meanwhile, back home, data centers are driving unprecedented energy demand, New York is doubling down on restrictive policies while Texas and Virginia race ahead, and grid vulnerabilities are becoming impossible to ignore. From geopolitical disruptions to emerging security threats—including rumors of Iranian drones in Cuba—this episode explores how energy markets are rebalancing, how new trading blocs are forming, and why now is the time to prepare for what's coming next.1. Global Oil Market RebalancingThe podcast opens with discussion of how the global oil market is undergoing significant rebalancing due to geopolitical disruptions, particularly Russia's degraded refining capacity from Ukrainian drone strikes. Russia's refining capacity has been slashed to 39 million barrels per day, forcing a shift in global trade dynamics.2. Russia's Refining Crisis & Ukraine's Drone CampaignA major focus is Ukraine's successful drone campaign against Russian refineries. Ukraine has struck over 24 of Russia's 34 major refineries, and all of Russia's major refineries are now within reach of Ukrainian drones. This has fundamentally changed how the war is being fought and has disrupted global energy supplies.3. Iraq's Energy Independence & Export ChallengesIraq has suspended crude loading at all export terminals (impacting 4 million barrels per day). The discussion covers Iraq's negotiations with major oil companies like Exxon and Chevron, and efforts to become energy independent from Iran by developing domestic natural gas instead of importing it.4. Strategic Pipeline Development & Hormuz BypassGoldman Sachs projects that new pipelines could divert 45% of Strait of Hormuz oil by 2027 and 60% by 2028. This reflects global efforts to circumvent potential disruptions at this critical chokepoint, which is bad news for Iran's economic recovery.5. Canada's Shale Gas RenaissanceLong-dormant shale gas reservoirs in Alberta are being revitalized through oil plays, particularly in the Basal Belly River Formation. This represents a significant opportunity for Canadian energy production.6. Data Center Energy Demands & New York's MoratoriumNew York has imposed its first moratorium on data centers (affecting only 5 facilities), which the host criticizes as "virtual signaling." The discussion contrasts New York's restrictive energy policies with other states like Texas, Virginia, and Georgia that are attracting data centers due to better energy availability and lower costs.7. Grid Resilience & Security ThreatsThe podcast warns about potential grid vulnerabilities, citing Exelon's CEO prediction that Americans could face blackouts as soon as 2027. There's also concern about 136 Iranian drones rumored to be in Cuba that could potentially target U.S. grid infrastructure in Florida.8. Energy Market Prices & Investment OutlookThe episode concludes with current market prices (WTI crude at $82.72, Brent at $88.77, natural gas at $2.91) and emphasizes the importance of energy awareness and personal preparedness for potential emergencies.Check the articles on https://theenergynewsbeat.substack.com/A shout-out to Steve Reese and the Reese Energy Consulting group for sponsoring the Podcast https://reeseenergyconsulting.com/.Data2 if you have any business systems, can you trust A? Well, they have the patent on validation. . https://data2.zoholandingpage.com/energyAnd we have WellDatabase rolling in as a new sponsor. https://welldatabase.com/

Alex Shahidi, Managing Principal and Co-CIO at Evoke Advisors and co-portfolio manager of the RPAR Risk Parity ETF and UPAR Ultra Risk Parity ETF, returns to Lead-Lag Live for the next single-topic risk-parity conversation — this one focused on commodity producers as the inflation-hedging equity sleeve inside a modern balanced portfolio. Alex makes the structural case for owning commodity producer equities rather than commodity futures — the tax efficiency, the equity risk premium layered on top of the commodity exposure, and the 50+ year track record of outperforming global equities by roughly 2% a year. He walks through how RPAR and UPAR construct the sleeve using the broad Morningstar Global Upstream Natural Resources Net Return Index (roughly a third energy, a third industrial and precious metals, a third agriculture), why diversification within the sleeve matters more than picking a single subsector, and why the diversification benefit shows up most when it's needed most — 2022 (equities down 18%, producers up 15%), Q1 2026 (equities down 3%, producers up 20%), and the 1970s (13%+ annualized for a full decade of stagflation). He also gets candid about the behavioral difficulty of holding this sleeve as a standalone position — the 20-30% higher volatility versus global equities, the extended stretches where it deviates significantly from the broader market, and why rebalancing across the risk-parity buckets is what actually captures the long-run edge. The conversation closes with the practical case for RPAR versus a traditional 60/40: what inflation looks like when you zoom out over 100 years, why "low and stable" is the abnormal regime rather than the normal one, and where inflation-linked bonds fit alongside the commodity producer sleeve. Topics covered: (00:00) Opening — another Lead-Lag Live single-topic risk-parity conversation with Alex Shahidi (00:30) Alex introduces Evoke Advisors, RPAR and UPAR, and the risk-parity framework (02:18) Why commodity producer equities instead of commodity futures — tax efficiency and the equity risk premium (04:13) Devil's advocate: are gold miners and other producers actually equities in disguise? (05:09) How the broad producer index is constructed — energy, metals, agriculture, and why diversification within the sleeve matters (06:07) Contango, backwardation, and why the futures path complicates the futures-based approach (07:27) Historical case study — 2022 (equities -18%, producers +15%) and Q1 2026 (equities -3%, producers +20%) (08:50) The 1970s parallel — 13%+ annualized during a decade of stagflation (10:10) Why correlation is a byproduct — divergence shows up when you need it most (12:05) The 55-year track record — 2% annualized outperformance vs global equities, liquid and tax efficient (13:32) Currency exposure and dollar sensitivity in the producer sleeve (14:27) The behavioral challenge — 20-30% more volatile than equities and the discipline required to hold it (17:40) Rebalancing as programmatic mean reversion — why trimming winners matters over full cycles (19:37) Making the case for RPAR versus a traditional 60/40 — the inflation-hedge gap (20:36) Zooming out — 100 years of inflation history and why "low and stable" is the abnormal regime (21:31) Where inflation-linked bonds fit alongside the producer sleeve in a full risk-parity framework About Evoke Advisors: Evoke Advisors is a large, independent registered investment advisor headquartered in Los Angeles, co-founded by Alex Shahidi. The firm co-portfolio-manages the RPAR Risk Parity ETF and the UPAR Ultra Risk Parity ETF, both built on the principle that a balanced portfolio should diversify across economic environments — not just across asset classes. Where to find Alex and Evoke: Website: evokeadvisors.com RPAR + UPAR ETFs: rparetf.com The Lead-Lag Report: leadlagreport.com Sponsored by Evoke Advisors: The RPAR Risk Parity ETF (RPAR) and UPAR Ultra Risk Parity ETF (UPAR) offer diversified, all-weather exposure across global equities, Treasuries, TIPS, gold, and commodity producers — engineered to balance risk across four economic environments. Learn more at rparetf.com. Important disclosures: This podcast is for informational and educational purposes only and does not constitute investment advice or a recommendation to buy or sell any security. Investors should carefully consider the investment objectives, risks, charges, and expenses of any fund before investing. Past performance is not indicative of future results. RPAR and UPAR are subject to market risk, interest rate risk, commodity risk, and other risks disclosed in the fund prospectus. Investing in commodity-related equities involves the risks of the underlying commodities markets, including significant price volatility. Please read the prospectus carefully before investing. Support the show

TODAY ON THE ROBERT SCOTT BELL SHOW: Live from Red Pill Expo, RFK Jr. Vaccine Injury Table, Raelynn Torzone, BioEnergetix Rebalancing Therapy, Complementary and Alternative Health Care Practice Act, Heavy Metal Tampons, Cancer Surge in Coming Decades, Obesity Drug Failures, SIDS Cases, Hemp Regulation, and MORE! https://robertscottbell.com/live-from-red-pill-expo-rfk-jr-vaccine-injury-table-raelynn-torzone-tampon-metals-are-safe-cancer-surging-in-coming-decades-obesity-drugs-sids-hemp-regulation-and-more/ Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.

The Moneywise Radio Show and Podcast Wednesday, July 8th  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 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.  

Don and Tom take on the latest crypto hype cycle, arguing that Bitcoin remains speculation—not a reliable store of wealth—and that putting crypto inside retirement accounts is especially dangerous. They discuss a new self-directed IRA crypto platform, the risks of private equity and alternative assets in retirement plans, and why “get rich quickly” pitches should set off alarm bells.Then they answer two listener questions. First, Mark from Ohio asks how to prepare a retirement portfolio for a likely market downturn and how withdrawals and rebalancing should work once retirement begins. Later, Doug from Utah asks whether market-linked CDs make sense compared with Treasuries and whether the “no downside” promise is worth the tradeoffs. Don and Tom explain why they dislike market-linked CDs, how bank brokers get paid to sell them, and why simpler fixed-income tools often make more sense.They wrap up with a warning about growing bank-related scam tactics and a publishing scam Don has been seeing aimed at authors.0:05 – Intro: one-star Bitcoin review and why crypto losses are hard to ignore1:16 – Bitcoin's drop, crypto volatility, and retirement-account crypto pitches2:42 – Self-directed IRAs, IRA Financial, and the “get rich quick” problem5:27 – Why crypto, private equity, and alternative assets can be dangerous in retirement plans6:58 – Why most people bought Bitcoin: speculation, not currency utility10:29 – Hot money shifts: crypto, gold, semiconductors, and chasing momentum12:20 – Don's bottom line on crypto as speculation vs. wealth storage13:16 – Listener question from Mark: preparing for a market downturn before retirement15:32 – Is an 80/20-ish portfolio too aggressive with retirement four years away?17:13 – Bonds vs. cash/CDs: what fixed income should do near retirement18:56 – Withdrawal strategy during a downturn and how rebalancing fits in20:46 – Listener question from Doug: market-linked CDs vs. Treasuries23:47 – Why Don and Tom dislike market-linked CDs26:42 – The danger of taking investment advice from a bank salesperson29:18 – Building Treasury and CD ladders through a brokerage instead31:23 – Banks training tellers to spot scam victims before money is lost34:04 – Don's author scam warning: fake book clubs and fake promotional offersQuestions? Comments? Click!

Episode recorded on 19 June 2026 at the PSE-CEPR Policy Forum in Paris.Twice before, the world's savings and debts have piled up in the wrong places, and twice the imbalance broke something. The first time it took the Plaza Accord to fix it. The second time it took a global financial crisis.Now we are in a third wave. Gita Gopinath (Harvard, former IMF Chief Economist and First Deputy Managing Director) and Philip Lane (European Central Bank, CEPR) join Tim Phillips to ask what is different this time.Household and bank balance sheets are stronger than before 2008. But the fragility has moved to governments carrying much higher debt, and to non-bank financial institutions whose exposures and links to banks are only partly visible. Foreign investors hold US$40.7 trillion of US equities, 44% of world GDP outside the US, much of it riding on the AI boom.Lane's overriding principle: central banks can calm bond markets under stress, but they must be just as clear about what they will not do if debt is unsustainable.The research behind this episode:Bai, Chong-En, Gita Gopinath, Hélène Rey, and Axel Weber. 2026. "G7 Economists Memo on Global Imbalances." Prepared for the French Presidency of the G7, 28 March.The panel also draws on the fourth CEPR/Bruegel Paris Report, Paris Report 4: The New Global Imbalances, edited by Hélène Rey, Beatrice Weder di Mauro and Jeromin Zettelmeyer (CEPR Press and Bruegel, 2026), free to download at cepr.org.Gopinath made the keynote presentation “The Third Wave: Addressing Global Imbalances” on 19 June at PSE.To cite this episode:Phillips, Tim, Gita Gopinath, and Philip Lane. 2026. "Addressing Global Imbalances." VoxTalks Economics (podcast). About the guestsGita Gopinath is the Gregory and Ania Coffey Professor of Economics at Harvard University, where her research spans international finance and macroeconomics, dollar dominance, exchange rates and sovereign debt. She was First Deputy Managing Director of the International Monetary Fund from 2022 to 2025, and the Fund's Chief Economist from 2019 to 2022. Philip Lane is Chief Economist and a member of the Executive Board of the European Central Bank, and a Fellow of CEPR's International Macroeconomics and Finance programme. He was Governor of the Central Bank of Ireland from 2015 to 2019, and remains an honorary professor of economics at Trinity College Dublin, where his research covered financial globalisation and European monetary integration.Research cited in this episodeThe three waves of global imbalances. Gopinath frames today's imbalances as the third episode since the 1970s in which national savings and investment have pulled badly out of line, a framing she titled "The Third Wave" in her Atlanta Fed presentation. The first, in the early 1980s, produced the 1985 Plaza Accord, when the US and its G5 partners agreed to talk the dollar down after years of a strong currency and a widening trade deficit. The second built through the 2000s and unwound in the 2008 global financial crisis. In both, the US was the deficit country; the surplus moved from Japan to China.Foreign holdings of US equities. Gross foreign holdings of US equities stood at US$40.7 trillion, 44% of world GDP excluding the US (Gopinath 2026, citing US Treasury data). Gopinath's slides show 54% of gross foreign inflows into US government debt since 2007 and estimate that 61% of the deterioration in the US net international investment position since the global financial crisis has been driven by valuation effects rather than trade deficits.Non-bank financial institutions (NBFIs). Hedge funds, private credit funds, insurers and other institutions outside the regulated banking system now intermediate a large and growing share of global finance. Gopinath's slides show leveraged intermediation migrating from households and banks before the 2008 crisis toward government and non-bank financial institutions today, echoing the concerns set out in the G7 memo and the CEPR Paris Report.The 2020 "dash for cash." In March 2020, US Treasury yields rose sharply even as investors would normally be expected to flee to safety, a sign that market functioning, not just prices, can break down under stress. Gopinath cites the episode as evidence that hedge funds, now bigger players in Treasury market-making, can amplify rather than absorb shocks.ECB crisis tools: PEPP, OMT and TPI. Lane describes three instruments built since 2012 to separate monetary policy from market functioning: the Outright Monetary Transactions programme (2012), designed to backstop governments already in an ESM assistance programme; the Pandemic Emergency Purchase Programme (2020), the ECB's flexible, country-varying response to Covid-19; and the Transmission Protection Instrument (2022), intended to calm unwarranted bond market panic without financing unsustainable debt.US federal debt and the fiscal deficit. Gopinath's slides put federal debt at 108% of GDP in 2025, up from 41% in 2007 and 39% in 2000 (source: Federal Reserve, FRED). In conversation she cites the US fiscal deficit at close to 7% of GDP, at a point in the cycle when the economy is strong. Note this is federal debt specifically; the G7 memo cites a broader measure, US general government debt, at around 120% of GDP, projected to reach around 140% by 2031. The two figures are not directly comparable and should not be conflated in the notes or on air.More VoxTalks Economics episodesThis episode sits alongside three earlier VoxTalks Economics conversations built around the CEPR/Bruegel Paris Report 4, The New Global Imbalances.Global Imbalances Redux, in which Maurice Obstfeld sets out the history of the three waves of imbalances and what today's policymakers can learn from how the first two were resolved.Rebalancing the Chinese Economy, in which Yiping Huang explains why decades of investment-led growth suppressed Chinese household consumption, and what it would take to reverse that.Stablecoins and Global Imbalances, in which Gilles Moec examines how dollar-backed stablecoins help fund the US deficit, and the regulatory gaps that leaves behind.Related reading on VoxEUWhy global imbalances matter again, and what to do about them, a VoxEU column drawn from Chapter 1 of Paris Report 4, setting out why imbalances have widened since 2018 and the risks of a disorderly unwind.Industrial policy, tariffs, and the return of global imbalances, which finds that tariffs are a weak tool for correcting current account imbalances and that industrial policy's effects run mainly through its impact on domestic saving and consumption.

Rebalancing toward brand from a performance-only mix lifts revenue ROI by a median of 90%. Yet 67% of senior marketers are still shifting budget the wrong direction. The gap between what marketers know and what they do turns out to be one of the costliest problems in the industry.In this episode, Elena, Angela, and Rob dig into the Multiplier Playbook, a new WARC report that surveyed over 200 senior marketers to identify the structural, cultural, and measurement barriers keeping brands stuck in a performance-only loop. They break down the doom loop, explain the missing 15% of brand value hiding in baseline sales, and discuss what it really takes to close the say-do gap. Topics covered:[01:18] What the Multiplier Playbook found about the say-do gap [02:01] Why 67% of marketers keep shifting budget toward performance [07:15] The doom loop and how performance-only thinking compounds over time [10:56] The missing 15% of brand value hiding in your baseline [14:12] Why 41% of marketers say creativity is seen as a risk [16:13] How brand investment strengthens your visibility in AI-driven search [17:55] Why 90% of ads get pulled before they ever wear inTo learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.Resources:The Multiplier Playbook: https://www.warc.com/en/the-multiplier-playbook-2026Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts.

As we close out June, the Akashic Records bring a gentle yet deeply healing message:✨ Return to harmony.After months of transformation, release, and powerful energetic shifts, this week invites us to notice where life is naturally seeking greater balance. The Records describe this as a time of rebalancing—an easing of pressure, a softening of old patterns, and a quiet return to wellness.If you've been feeling stretched, overwhelmed, or as though life has been asking a great deal of you, this episode offers a reminder that healing isn't always about doing more. Sometimes it's about allowing what has already begun to settle, integrate, and take root.In this episode, we explore:

Markets are starting to feel the impact of quarter-end portfolio rebalancing, and some of the biggest winners of the year—including technology and artificial intelligence leaders—are beginning to see selling pressure. With stocks still elevated relative to bonds, many balanced portfolios remain overweight equities, creating the potential for additional short-term volatility. In today's Before the Bell, we examine the developing technical setup as markets break below a narrowing consolidation pattern, increasing the probability of a test of the 50-day moving average. We also discuss why the current sell signal remains in place, why relative strength has more room to weaken, and what investors should be watching next. We'll also cover the sharp rally in the U.S. Dollar, the impact of Iran-related developments on oil prices, why commodities are struggling against a stronger dollar, and whether oil is finding support near its long-term average. Finally, we look at the recent pickup in volatility, why the VIX may be waking up after months of complacency, and why this pullback could ultimately create a better opportunity heading into the seasonally stronger month of July. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/REkG7SgcVhw --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #PortfolioManagement #MarketVolatility #Investing #RiskManagement

This week's show covers social security and fear-related filing, international stocks, emails, and more!

Chris Whalen is back for The Wrap after his fishing trip in Maine, where he caught a 21-inch smallmouth bass! He's very positive on Kevin Warsh's "less is more" approach at the Fed—no forward guidance, likely removing the dot plot, and refocusing on letting the numbers speak for themselves rather than trying to control expectations through communication. Whalen argues the bond market has already delivered a rate hike on its own, and if he were Warsh, he'd wait and see how the Iran peace deal holds before making more moves, given that war inflation is transitory and external to Fed policy. He reveals the definition of inflation will likely be narrowed to minimize rate hikes and avoid tanking the economy, and he's watching a massive rebalancing from equities to bonds at record allocation levels. Whalen sold most of his AI stocks and locked in serious gains, but he's holding SpaceX as a long-term play given Elon's monopolies on space launch and global internet. He warns the AI bubble is going south with Mike Saylor and Bitcoin spiraling, sees gold and silver as a great entry point after being beaten down, and is adding to positions. He explains silver's manufacturing and technology demand while copper faces supply constraints. On Iran, Whalen argues the MOU doesn't solve underlying inflation drivers—diesel, fertilizer, energy ripple through the economy—so double-digit inflation is locked in with no Fed rate cuts coming. He's concerned about private credit festering with two-and-twenty fees still common, distressed debt exchanges now over 70% of defaults since 2022, and he likes Annaly as a mortgage REIT with government-insured assets and mortgage servicing rights providing protection. Whalen notes precious metals could still rise despite rate hikes because central banks will keep accumulating gold as reserve assets. Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  The Wrap: https://www.theinstitutionalriskanalyst.com/post/theira858Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Use the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricingTimestamps:0:00 Intro and welcome back Chris Whalen1:47 Warsh sets different tone - No forward guidance, likely no dot plots3:33 Less is more approach - Fed was communicating too much5:43 Bond market has already done the rate hike6:50 War inflation is transitory - External factor Fed can't control7:19 Definition of inflation will be adjusted/narrowed9:10 Bond market doing tightening, not Fed funds rate10:34 Rebalancing from equities to bonds at record levels11:50 Sold most AI stocks, took profits, holding SpaceX12:07 SpaceX monopoly on space/internet - Long term play13:57 AI trade, Bitcoin15:57 Gold/silver beaten up but good entry, adding positions17:02 Silver manufacturing and technology demand17:49 Copper supply/demand - Not enough copper globally19:32 Iran MOU doesn't solve underlying issues21:45 Double-digit inflation locked in - Diesel, fertilizer ripple22:34 Fed can't fix war-driven inflation23:52 No rate cuts coming - Business banking on cuts won't get them24:48 Private credit festering problem - Two and twenty fees26:16 Distressed debt exchanges over 70% of defaults29:27 Annaly - Mortgage REIT with government insured assets30:00 Precious metals could rise despite rate hikes - Central banks buying31:43 Precious metals dollar strength question32:07 Next week

I recently sat down with Steve Chen on his Boldin Your Money podcast for a wide-ranging conversation about evidence-based investing — and why it matters more than ever in a world of speculation, hype, and constant financial noise. We covered my early days as a stockbroker in the 1960s, the psychology that trips investors up in downturns, how low-cost index funds transformed personal finance, factor investing and small-cap value, and why younger investors are being pulled toward gambling-like behavior through apps, crypto, and prediction markets. Whether you're just starting out or planning for retirement, I think you'll find it time well spent.KEY TOPICS DISCUSSED• The difference between investing and speculation• Why staying the course is emotionally difficult• Wall Street incentives and investor behavior• The origins of index fund investing• Factor investing and small-cap value explained• Why diversification matters long term• Rebalancing strategies and portfolio management• Financial literacy and generational investing habits• Why gambling behavior is becoming normalized• How AI tools like ChatGPT and Claude are changing education• The psychology behind successful long-term investorsTIMESTAMPS00:00 Introduction02:55 Paul Merriman's start in investing05:20 Wall Street incentives and conflicts of interest08:35 Why investing is harder than it looks12:25 Investing vs speculation15:40 Why people panic during market crashes17:30 The psychology of staying the course19:10 Generational wealth and financial literacy23:40 The case for index funds28:45 Factor investing explained32:30 The four-fund portfolio strategy36:00 Rebalancing and long-term returns38:00 ChatGPT, Claude, and financial education42:15 Market valuations and investor behavior45:30 Building wealth intentionally49:00 Gambling culture and modern investing51:45 Teaching financial literacy to younger generations54:00 Final thoughts on long-term investingRESOURCES MENTIONEDPaul Merriman Foundation: https://www.paulmerriman.com/Try the Boldin Planner for free: https://go.boldin.com/podcasttep110Watch Video here- https://youtu.be/y_i5wrr_tfM

Should retirees live off dividends and bond interest, or use a total return strategy? Don and Tom tackle one of the most persistent myths in retirement investing: that dividend-paying stocks create safer retirement income. They explain why dividends are not “free money,” how dividend-focused portfolios can create hidden risks, and why most academic research favors a diversified total return approach. The conversation explores dividend traps, covered-call income funds, sustainable withdrawal strategies, and the importance of diversification. They also respond to a listener defending Robinhood's platform, debate gamification in investing, and discuss Philadelphia's new automatic retirement savings program designed to help workers without employer-sponsored plans.0:05 Introduction: Dividend income vs. total return investing1:44 Why retirees are attracted to dividend-focused portfolios2:19 What a total return strategy actually means3:37 The appeal of predictable dividend income4:55 High-yield ETFs and the risks behind the payouts5:03 Why dividends are not free money6:10 Larry Swedroe's argument: dividends are not income6:27 Understanding the dividend trap7:05 Extreme dividend yield example: GMEX Robotics8:35 YieldMax and triple-digit yields9:44 Why academics favor total return strategies10:48 Rebalancing as an income source in retirement11:43 The hidden risks of income-focused products13:30 Bridge-playing and retirement banter14:21 How listeners can submit questions15:12 Listener question: Is Robinhood getting unfair criticism?16:13 Robinhood, gamification, and investor behavior18:18 Why “stodgy” may be good for money management19:53 Philadelphia's new retirement savings initiative20:45 Automatic enrollment and retirement success22:30 Why saving must be made easy23:28 Free portfolio reviews at Appella24:21 Discussion of The Line Uncrossed26:47 Family history and future book possibilitiesQuestions? Comments? Click!

Many investors are wondering whether the market is getting ahead of itself, especially when it comes to artificial intelligence and technology stocks. But perhaps the better question is not, “Are we in a bubble?” The better question may be, “How should we respond if we are?” That was the focus of today's conversation with Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing. With AI continuing to drive market enthusiasm, many investors are feeling both excitement and concern. The challenge is learning how to respond with wisdom rather than fear. Why Investors Are Concerned About AI and Tech The AI story has been driving markets for several years. One clear example is the tech-heavy Nasdaq, which has risen sharply since the end of the 2022 bear market. More recently, many companies have reported rapid profit growth and have credited AI as a key factor. That has encouraged investors because it shows AI is not merely hype. Companies across many industries are beginning to see real benefits from AI tools, including improved efficiency and increased profitability. At the same time, the demand for AI computing power has caused certain sectors—especially semiconductor stocks—to soar. When any part of the market begins rising almost straight up, investors naturally become nervous. It brings to mind previous market manias that ended in painful declines. Is This Really a Bubble? Calling a bubble in real time is extremely difficult. Even when someone identifies one correctly, acting on that information too early can be costly. Mark pointed to the late 1990s internet bubble as an example. Many investors suspected that Internet stocks were overheated long before the bubble actually burst. Federal Reserve Chairman Alan Greenspan famously warned about “irrational exuberance,” but that warning came more than three years before the market peak. Investors who sold immediately missed significant gains before the downturn finally arrived. That illustrates an important point: even if a bubble is forming, that does not tell investors exactly what to do or when to do it. Markets are forward-looking. Investors are pricing companies not only on current earnings but also on what they believe those companies may earn in the future. If expectations rise dramatically, stock prices often rise with them. So it is possible that some parts of the market, such as semiconductor stocks, may be showing bubble-like characteristics while the broader market does not look as overheated. But the practical question remains: how should investors respond? Avoid Fear-Based Market Timing Most investors would love to avoid downturns without missing the upside. But in practice, that kind of market timing is extremely difficult. Investors often make one of two mistakes. Some sell too early and miss major gains. Others wait too long and sell only after stocks have already fallen, and fear has taken over. That is why a disciplined plan matters. Instead of trying to predict the exact top of the market, wise investors focus on staying invested while managing risk thoughtfully. Historically, some of the market's strongest gains occur late in bull markets. That does not mean investors should ignore risk, but it does mean that fear-based decisions can be costly. Diversification Still Matters One of the most practical ways to manage risk is through diversification. A well-balanced portfolio helps reduce the risk of becoming overly exposed to a single hot sector. Mark offered a helpful way to think about it: if everything you own is rising at the same time, or if nothing you own is rising, you may not be truly diversified. But if some holdings are doing very well while others seem to be lagging, that may actually be a sign that your portfolio is properly balanced. Diversification can feel frustrating when one part of the market is racing ahead. But its purpose is not to maximize every short-term gain. Its purpose is to help investors remain steady through a variety of market environments. Rebalancing Is a Disciplined Way to Manage Risk Another practical tool is rebalancing. When one part of a portfolio has grown significantly, rebalancing allows investors to shift some gains out of fast-rising assets and back into areas that have not run up as much. This helps manage risk without requiring investors to predict the future. Rebalancing also has an emotional benefit. It gives investors a clear process to follow. Instead of asking, “Should I sell everything?” they can simply make measured adjustments in line with their plan. That kind of discipline can help investors avoid impulsive decisions driven by fear or excitement. Keep Reasonable Expectations Investors also need realistic expectations. Markets do not move up in a straight line forever. If you stay invested in strong-performing sectors, there is a good chance you will eventually give back some gains when leadership changes or when a bear market arrives. That is part of investing. The goal is not to avoid every decline. The goal is to participate in the market's long-term growth while managing risk wisely along the way. Even defensive investing comes with trade-offs. Playing defense too aggressively—or too early—can lead to false alarms and missed returns. Staying invested longer may bring more growth, but it also means enduring discomfort when markets pull back. There is no perfect way to avoid every downside while capturing every gain. Know Your Temperament Successful investing is not only about knowledge. It is also about behavior. Investors who tend to do well over time are often those who can remain patient, diversified, disciplined, and emotionally steady in both strong and difficult markets. That is especially important when headlines are filled with bubble talk. Fear can push investors to sell too soon. Excitement can push them to chase what has already risen. Neither is a wise foundation for financial decision-making. A Wise Response to Market Uncertainty When markets look overheated, investors do not have to ignore the risks. But they also do not have to be ruled by them. A wise response begins with a disciplined, diversified, long-term plan. Rebalance periodically. Keep expectations realistic. Understand your own temperament. And avoid making major decisions based on fear, excitement, or the latest market chatter. Markets can stay hot longer than many people expect, and guessing the exact turning point usually creates more problems than it solves. But a thoughtful strategy can help investors respond with wisdom rather than react emotionally. For more on this topic, you can read Mark Biller's article, “How to Handle a Bubble,” at SoundMindInvesting.org. Sound Mind Investing has been helping Christians make biblically informed investing decisions for more than 30 years, offering practical guidance for investors who want to approach the markets with wisdom, discipline, and a long-term perspective. On Today's Program, Rob Answers Listener Questions: I have some very old debts that have been removed from my credit report. I want to handle them ethically and with integrity. Should I try to negotiate reduced settlements with creditors, or should I aim to repay the full amount I originally owed? I have a whole life insurance policy I no longer need because I already have adequate coverage. With a child heading to college in about a year and a half, is there a tax-wise way to use the policy's cash value for college savings? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) | SMI Private Client How to Handle a Bubble by Mark Biller (Article on SoundMindInvesting.org) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Don takes listeners on a journey through nearly four decades of investment advice, explaining how his thinking evolved from recommending active mutual funds in the 1980s to embracing index funds, factor investing, and eventually ETFs. Along the way, he and Tom discuss Vanguard's rise, Don's early relationship with Paul Merriman, the emergence of Dimensional Fund Advisors and Avantis, and why their recommendations have changed over time. They also address listener skepticism about fund recommendations, compare Avantis and Vanguard products, answer a tax-efficient portfolio rebalancing question from a retired couple, and debunk a marketing pitch for “layered income portfolios.”0:08 Don shares the story of his early days giving investment advice from Leadville, Colorado2:56 The active management era and why great fund managers were once considered essential3:52 Vanguard's early growth and the gradual acceptance of index investing5:38 Don discusses Vanguard sponsoring his radio show and maintaining disclosure transparency6:55 Paul Merriman introduces factor investing and Fama-French research9:10 Early Dimensional Fund Advisors portfolios and advisor-only access10:56 The rise of ETFs, Dimensional's hesitation, and Avantis' origins11:23 The 2010 ETF flash crash and why Tom and Don were initially cautious13:29 Why factor investing remains compelling despite uncertain future returns14:20 Addressing listener skepticism about Avantis recommendations16:07 Comparing AVUV and Vanguard VBR small-cap value funds17:44 Comparing AVGE and Vanguard VT global equity funds19:15 Clarifying compensation, conflicts of interest, and transparency21:27 Listener Anton asks about tax-efficient portfolio rebalancing in retirement26:03 Why holding bonds inside IRAs can improve tax efficiency27:23 Discussion of Roth conversion strategies and tax considerations30:20 Listener asks about “Layered Income Portfolios”31:05 Why income portfolio marketing pitches are often more sales than substanceQuestions? Comments? Click!

This week is going to feel like a full sensory experience. Venus in Leo makes three major aspects in four days, moving through electric creative energy on Monday, dreamy romantic energy on Tuesday, and an intensity that asks you to get clear and intentional by Wednesday. Then Chiron enters Taurus on Thursday and the whole frequency drops into deeper and slower introspection and reevaluation of our worth esp in work and relationships. The week builds and then it asks you to go inward. Stay present for all of it.   --- 20% off Fathers Day say: Use promo code KINGOFCUPS at checkout for 20% off now through June 20: https://www.cardsyb.com/virtual-readings Solstice Reset Reading:  https://www.cardsyb.com/booking-calendar/solstice-reset-reading-free-gift?referral=service_list_widget     A 45-min intuitive + numerology reading with tarot + shadow/block analysis + free ritual   Many clients who took advantage of the Wheel of the Year reading in Jan have shared the accuracy of what as predicted. We're now at the June Solstice- the half way point and "half-time" show of the wheel of the year. Mercury is about to go retrograde at the end of June (29th) and now is the most important time to clarify our path ahead to be able to actualize our potential and highest timeline in love and financial abundance This 1:1 session is designed to help you step into the year with clarity, direction, and grounded confidence. Through tarot and personalized numerology, we'll explore the key themes, opportunities, and lessons influencing your next 6 months, along with illumination of any shadow/blocks that to be cleared at the solstice season where we have access to the most amount of light. You'll also receive a complimentary summer solstice ritual. Perfect if you have been feeling the change and upgrades that are available as we enter the second half of the year and you want to illuminate how to best work with them  

Tom and Don dismantle the myth of “free money” from high-dividend stocks and ETFs, explaining why chasing yield often leads to poor diversification, lower total returns, and disappointing long-term performance. Using examples like Campbell's, Kraft Heinz, and Whirlpool, they show how dividend-paying companies can still destroy shareholder value while the broader market marches higher. The episode also features listener questions on military retirement planning with a pension-heavy income stream, asset allocation and Roth contributions near retirement, how to structure a UC retirement portfolio using low-cost index funds and small-cap value tilts, and the smartest way to generate retirement withdrawals from a balanced portfolio. Along the way, Don plugs his new Civil War novel The Line Uncrossed and the hosts revisit some old radio history.0:05 Dividend investing myths and “free money” thinking2:18 Why retirees are drawn to dividend stocks and ETFs4:03 Huge inflows into high-dividend ETFs despite lower expected returns5:19 Total return vs. income investing explained5:45 Campbell's Soup and Kraft Heinz as dividend trap examples7:06 Whirlpool cuts long-running dividend after financial strain8:10 Why total return matters more than yield9:10 Vanguard Dividend Growth vs. S&P 500 performance comparison10:44 The dangers of concentrated dividend strategies12:19 Why “magic income” strategies usually disappoint13:32 Military retirement caller asks about pensions, Roths, and mortgage payoff17:43 Using pensions as bond-like income in portfolio allocation18:41 Caller shifts from U.S.-only investing toward global diversification20:28 Don discusses The Line Uncrossed and companion Civil War stories22:30 UC employee asks about AVGE/DFAW vs. ultra-cheap UC index fund24:39 Suggested mix using low-cost index fund plus small-cap value tilts26:04 Listener thanks Don for decades of investing guidance27:58 Retirement withdrawal strategies from a 60/40 portfolio29:19 Rebalancing as the primary source of retirement cash flow30:14 Why retirement distribution planning matters32:35 Fiduciary advice vs. product sales pitches33:54 Friendly rivalry with Stacking BenjaminsQuestions? Comments? Click!

Tom and Don tackle the impossible task of spotting market bubbles in real time, leaning on insights from Jason Zweigand Eugene Fama to argue that if bubbles were truly predictable, they wouldn't exist. They discuss soaring semiconductor and AI-related stocks, speculative manias from tulips to SPACs to Bitcoin, and why diversification and disciplined rebalancing beat emotional market timing every time. Listener questions cover tax-loss harvesting and wash sales involving VT, VTI, and VXUS ETFs, family conversations about money, Roth conversion strategy for a wealthy near-retiree, and Dimensional's refusal to chase hot IPOs despite the S&P 500's changing rules. Along the way, there's plenty of classic TRM banter about giant brains, vacation boredom, and the dangers of trying to outsmart markets that are probably smarter than all of us combined.0:05 Bubble noises, market mania, and why everyone thinks they can spot bubbles1:11 Jason Zweig on semiconductor stocks soaring nearly 40% in a month2:23 Emerging markets, small value, and global stocks compared to AI-driven speculation3:39 Eugene Fama explains why bubbles are impossible to identify in real time4:26 Dot-coms, Bitcoin, SPACs, and the legendary tulip bulb bubble5:03 Why “doing nothing” often beats reacting emotionally to market fears5:51 Jason Zweig's sign of a bubble: when critics get attacked instead of debated7:15 Rebalancing, diversification, and why the S&P 500 alone isn't enough9:41 Listener question on tax-loss harvesting, wash sales, and replacing VT with VTI and VXUS14:05 Why families should talk openly about money instead of outsourcing financial education to TikTok17:44 Near-retiree with $7.3 million asks about Roth conversions and paying taxes from IRAs20:36 Dimensional responds to S&P rule changes allowing earlier IPO inclusion21:15 Why Dimensional avoids IPOs during their first year after going public22:39 Allbirds' collapse from a $2.2 billion IPO to a $39 million sale24:47 Why waiting before buying IPOs may reduce riskQuestions? Comments? Click!