Podcasts about registered investment advisor

Most small business owners spend almost all of their time working in the business, but not enough time working on the business.In this episode, we sit down with Sam Slater, a former Google executive with over a decade of experience in design strategy, to talk about how entrepreneurs and solo-preneurs can get clear, identify the real problem, and create a plan for moving forward.Sam helps small businesses turn chaos into a clear, linear process by asking the right questions: who, what, why, and how. Through his in-person workshops and Clarity Clinic, he helps business owners address challenges around growth, client communication, client retention, operations, and more.We also talk about why business owners often struggle to step back, prioritize, and address problems head on, and how a 30, 60, 90 day roadmap can help create real momentum.Learn more about Sam and his work:Sam Slater Consulting samslaterconsulting.comInstagram: @the_clarityclinicHosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

Losing a spouse is one of life's most difficult experiences, emotionally and financially. Many retirees are surprised to learn that widowhood can also create significant tax and retirement-planning challenges that may affect income, Medicare premiums, estate plans, and long-term financial security.  In this episode, Larry Heller, CFP®, CDFA®, explains why the loss of a spouse can create unexpected financial challenges for retirees, including higher taxes, rising Medicare premiums, and changes to retirement income. He discusses how required minimum distributions, Social Security survivor benefits, and IRMAA thresholds can affect a surviving spouse's long-term financial picture. Larry also shares proactive planning strategies couples can consider before widowhood, including Roth conversions, tax-bracket management, beneficiary reviews, and estate planning updates. Through real-life examples, he highlights how thoughtful preparation can help surviving spouses avoid costly mistakes and navigate a difficult transition with greater confidence and clarity. What to expect: Why surviving spouses often face higher taxes after the loss of a spouse How the widow and widower tax penalty impacts retirement income The effect of IRMAA and rising Medicare premiums for single filers How required minimum distributions can create larger future tax burdens And more! Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/

In Episode 302 of The Market Moment, Matt, Eli, and Isaac tackle the biggest financial news of the week: the highly anticipated SpaceX IPO. (And yes, it's also Annuity Awareness Month!) . We discuss the motivations behind this massive public offering and debate whether it's truly about raising capital or just creating a liquidity event for early investors. With almost every major bank backing the deal and everyday investors getting unprecedented access, we break down the math, the potential risks, and why it's crucial to look past the hype. Plus, we look at how other mega IPOs have historically performed after their first year. Key Takeaways ➡️ SpaceX Valuation: The company is coming to market with a staggering valuation of roughly $1.75 to $1.8 trillion. ➡️Retail Investor Access: Custodians like Robinhood, Fidelity, and Schwab are offering expanded access for retail investors, allocating around 30% of shares to retail investors. ➡️Index Inclusion Changes: Early plans to include SpaceX in the S&P 500 index just 10 days post-IPO have been reverted to the standard one-year waiting period. ➡️Funding Shortfalls: To bring the company to market, SpaceX needs to raise a total deal size of $86 billion, but there is a reported shortfall of around $28 billion. ➡️Historical Warning: Historically, mega IPOs (like Rivian and Uber) have seen an average drop of 28% twelve months post-IPO, emphasizing the need for a long-term investment horizon rather than expecting quick wins. 04:19 - Retail Access & Valuation Checks 09:33 - Index Rule Reversals & The Funding 16:22 - Historical Mega IPO Performance & Risk Management Linked Videos: https://www.youtube.com/live/vrX6fhBL3bM?si=AaYRNdlUXTmcF9EX https://www.blindsquirrelmacro.com/p/the-physics-of-spacex Enjoyed the episode? Don't forget to:

THE TOM DUPREE SHOW  |  PODCAST SHOW NOTES I’m 55 and Behind on Retirement — Here’s What You Can Actually Do About It The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400 Episode Description Turning 55 can trigger some hard questions about retirement — not regrets about the past, but real concerns about the present. Tom Dupree and Lead Advisor Mike Johnson tackle one of the most common questions they hear from new clients: What do you actually do when you feel behind? This episode lays out a practical, honest framework for evaluating where you stand, calculating how much income your portfolio needs to produce, and identifying the specific actions that can still make a real difference in the next ten years. The conversation covers the math behind 401(k) catch-up contributions, the income gap calculation that determines whether your retirement plan actually works, why your expenses matter more than your portfolio balance, and the critical difference between volatility as a friend during accumulation versus a threat during withdrawals. Real client examples ground the discussion — including retirees who thrived on $400,000 and others who struggled with far more. The episode closes with a clear message for anyone in their mid-50s who has been putting off this conversation: the opportunity is still real, the tools are available, and it starts with one step. At 55, you might feel like you’re late getting started — but you still have a lot of opportunity to build real wealth and retire the way that you want. Topics Covered The income gap: How to calculate the difference between your fixed income sources and what you’ll actually need to spend in retirement 401(k) catch-up contributions: The 2026 limits for savers over 50, including the super catch-up provision for ages 60–63 Real accumulation scenarios: What maxing out a 401(k) at a 6% return actually produces over 10 years — for one earner and two Expenses as the key variable: Why what you spend in retirement matters more than how much you’ve saved Wealth vs. riches: Why clients with $400,000 sometimes retire better than those with $2 million Sequence-of-returns risk: How early losses in retirement can permanently damage a portfolio — and why income investing helps avoid that trap The wealth paradox: Why taking on more risk when you’re close to your target number can do more harm than good Social Security strategy: Age 62 vs. full retirement age vs. 70 — and how to think about spousal benefits and break-even timing In-service rollovers: How to start building an income-producing portfolio while you’re still working and contributing How to prepare for your first meeting: What to bring, what to expect, and how the planning conversation actually works Key Takeaways Your expenses determine everything. The question isn’t how much you’ve saved — it’s whether what you have can cover the gap between your fixed income and your actual spending. Get clear on your expenses before anything else. Age 55 is still a strong position. You’re likely near peak earnings, kids may be off the payroll, and 401(k) catch-up rules let you contribute up to $32,500 a year — or $35,750 between ages 60 and 63. Ten years of disciplined saving can still produce meaningful income. Don’t ignore the employer match. Contributing at least enough to capture your employer’s match is a 100% guaranteed return from day one. There is no simpler, more powerful first move. Volatility is your friend while you’re accumulating — not when you’re withdrawing. During your working years, market swings let you buy more at lower prices. In retirement, a bad year early can force you to sell assets at the worst possible time. That’s the sequence-of-returns risk that ends retirement plans. Income portfolios solve a problem, growth portfolios don’t. When your portfolio pays you dividends and income, you don’t have to sell holdings to fund your lifestyle during down markets. That changes the entire risk equation. The wealth paradox: more isn’t always better if it requires more risk. If you already have the number that funds the retirement you want, adding risk for more upside isn’t rational — the downside threatens the entire plan, while the upside is just gravy. Social Security is a strategic asset, not just a check. Delaying from 62 to 70 can dramatically increase your lifetime benefit. The break-even point is roughly age 82, and a spousal benefit strategy can add another layer of optimization. You can start building income while you’re still working. An in-service rollover at age 59½ lets you move funds from your 401(k) into an IRA where they can be invested for income — so the income engine is already running when you retire. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your current savings and investments can actually close the gap between what you’ll have and what you’ll need in retirement, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call:  859-233-0400   |   Visit:  dupreefinancial.com REGULATORY DISCLAIMER Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented on this program is for educational purposes only and does not constitute investment advice, a solicitation, or an offer to buy or sell any security. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Listeners should consult with a qualified financial professional before making any investment decisions. The post I’m 55 and Behind on Retirement — Here’s What You Can Actually Do About It appeared first on Dupree Financial.

The AI Build-Out Is Real — And It’s Reshaping How We Invest for Retirement THE TOM DUPREE SHOW  |  PODCAST SHOW NOTES The AI Build-Out Is Real — And It's Reshaping How We Invest for Retirement The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400  |  Air Date: June 6, 2026 Episode Description Something significant is happening in the markets, and it goes well beyond the daily headlines. On this episode of The Tom Dupree Show, host Tom Dupree sits down with in-house analysts James Dupree and Michael Dawahare to examine the accelerating AI infrastructure build-out — and what it actually means for investors who are at or approaching retirement. The conversation covers the bottleneck stocks driving extraordinary gains in data centers and memory chips, Canada's surprise $1 trillion infrastructure pivot, and why software companies like Snowflake and ServiceNow are proving that AI complements rather than kills their business models. The team also addresses the ongoing Iran conflict, what oil futures markets are signaling, and why the sequence of returns — not average returns — is the number that retirement investors should be watching most closely. “Markets don't drift up — conviction is what moves them higher. Right now, the conviction is building around AI infrastructure, and the fundamentals are finally starting to catch up with the story.” Topics Covered AI infrastructure bull case — why the fundamentals are finally catching up with the story Micron, data centers, and the bottleneck theme — the stocks supplying scarce components for the AI build-out Jensen Huang's public endorsement of Marvell Technology — what a declaration like that signals to institutional investors Agentic AI explained — what it means for your phone, your business, and your portfolio Canada's $1 trillion infrastructure pivot — global validation of the AI build-out thesis from an unlikely source Software stocks proving their staying power — how ServiceNow and Snowflake are showing AI and software can coexist How AI is already driving revenue gains — consumer companies reporting explosive results from targeted AI marketing The Iran conflict and oil futures — what prediction markets and WTI pricing are signaling about resolution Sequence-of-returns risk in retirement — why when your portfolio loses matters more than how much it earns on average Dupree Financial Group's in-house research approach — knowing what you own and why, not just riding an index Key Takeaways The AI build-out thesis is getting real-world validation.  PMI data hit a four-year high this week, suggesting genuine economic activity is accelerating alongside AI infrastructure investment — not just market narrative. Bottleneck stocks carry both opportunity and serious risk.  Companies supplying scarce components for data centers have posted extraordinary gains, but volatility cuts both ways. Position sizing and portfolio context matter. Software isn't dead — it's adapting.  Snowflake and ServiceNow are reporting earnings that prove their platforms work alongside AI tools, not against them. Productivity gains, not replacement, is the emerging story. Global capital is aligning behind AI infrastructure.  Canada's sharp $1 trillion policy reversal covering energy, data centers, and defense adds significant international weight to the same thesis driving U.S. markets. How AI gets monetized is still being figured out.  Business-to-business subscriptions and API-based usage models are the most likely path forward, but valuations remain stretched until earnings consistently catch up. Sequence-of-returns risk is retirement's hidden danger.  A portfolio drop in year one of withdrawals — even if markets recover later — can permanently reduce the income your portfolio generates. Dividend-focused portfolios are built to absorb that risk. In-house research is how you truly know what you own.  Dupree Financial Group's analysts study these sectors every day so clients hold positions they understand — not just exposure to the broadest index available. The Iran situation is complex, but markets are pricing in a resolution.  Oil futures for July through September are trading in the $70–$80 range, suggesting the futures market expects the conflict to ease — though the IRGC's fractured structure makes certainty impossible. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at  dupreefinancial.com  under the Radio tab. Schedule a Complimentary Portfolio Review If you're not sure whether your retirement portfolio is built to generate income through market turbulence — or if you're just riding an index fund hoping for the best — we'll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it's working for you. Call:  859-233-0400   |   Visit:  dupreefinancial.com Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented on The Tom Dupree Show is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Please consult a qualified financial professional before making any investment decisions. The post AI Infrastructure Stocks & Your Retirement Portfolio appeared first on Dupree Financial.

The stock market had a rough week, with all three major indexes finishing lower despite a stronger-than-expected U.S. jobs report. The economy added 172,000 jobs, unemployment remained steady at 4.3%, and investors immediately began reassessing the outlook for interest rates. Why would a strong jobs report hurt stocks? In this video, James explains how stronger employment can keep inflation concerns alive and increase the likelihood that interest rates stay higher for longer. We also discuss the recent rise in the 10-year Treasury yield, why markets are now pricing in a greater chance of higher rates, and what that means for investors.We also cover the latest developments surrounding the Strait of Hormuz and the conflict involving Iran, why the economy and the stock market are not the same thing, and how concerns about inflation and stagflation continue to impact investor sentiment.Finally, we look ahead to what could become three of the biggest IPOs in history: SpaceX, OpenAI, and Anthropic. If these companies join the Nasdaq, index funds may be forced to buy shares, potentially creating significant shifts in market flows and valuations.Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

When you watch financial news or look at your 401(k) statement, everything is compared to the S&P 500. But is the S&P 500 actually a fair way to judge your personal investment performance? In this episode of The Market Moment, the guys look beyond the S&P 500 to discuss how to choose the right investment benchmarks for your personal goals. They break down why comparing a diversified portfolio to a single growth index can create unrealistic expectations—and how giving in to "fear and greed" can throw a wrench in your long-term strategy. They also explore the major psychological and emotional shift that happens when transitioning from the wealth accumulation stage to the spending stage in retirement. If you are nearing retirement, learning how to "solve for income" first can give you the permission and confidence you need to actually enjoy your hard-earned resources. Key takeaways from this episode: ➡️ The Benchmark Trap: Why comparing a diversified portfolio (like a 60/40 or total market allocation) to the S&P 500 is an unfair comparison. ➡️ Managing Expectations: How applying the wrong benchmark triggers fear of missing out (FOMO) and greed, making it harder to stick to your plan. ➡️ The Minimum Required Return: Why reverse-engineering your portfolio based on your actual income needs matters more than chasing market-beating returns. ➡️ The Retirement Mindset Shift: Overcoming the anxiety of stopping a paycheck and learning to transition from a saving habit to a spending strategy. ➡️ Long-Term Income Planning: Why retirement isn't a short-term strategy—your money still needs to outlast inflation and cover up to 30+ years of living expenses.   Enjoyed the episode? Don't forget to:

In this milestone 200th episode of Retirement Unlocked, Larry Heller reflects on the journey of building the podcast from an audio-only show into a growing multimedia platform focused on helping people make smarter retirement decisions. Joined by co-host Bill Tucker, Larry shares why the podcast was created, the lessons learned over 200 episodes, and how financial education can truly impact people's lives.  In this episode, Larry explores how he has always aimed to make financial planning more understandable as he continues to stay ahead of constant changes in tax laws, and retirement strategies. He expresses gratitude to his listeners, clients, and guests who have helped the podcast grow to nearly 50,000 YouTube views as it continues into its next chapter.  Larry Heller, CFP®, CDFA®, discusses: How Retirement Unlocked has changed over the years Why retirement planning is more about cash flow than net worth How taxes can become more complicated in retirement Why financial planning should evolve as life changes And more! Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/

Retirement planning is not about retirement.That's the provocation David opens with — and he means it. This episode isn't another checklist. It's a ground-up rethink of what the 5-to-10-year sprint before retirement actually demands: emotionally, philosophically, and financially.Starting with a question no financial podcast has the nerve to ask — is retirement even a biblical concept? — David works through everything from the psychology of stopping work to the hard mechanics of income portfolios, tax strategy, and the risks that blow up otherwise solid plans.If you've been coasting toward retirement on autopilot, this episode is the alarm clock.In This Episode0:00 — Cold OpenWhy the conventional framing of retirement is wrong, and what this episode is actually going to cover.~3:00 — Is Retirement Even a Biblical Concept?The word never appears in Scripture. The one exception in Numbers 8, what the parables actually teach about accumulation, and why the biblical model looks more like a pivot than a finish line.~9:00 — The Behavioral Trap: What Will You Actually Do?The identity crisis nobody warns you about, retirement depression, underspending vs. overspending, and five questions worth sitting with before you make any financial decisions.~15:00 — The Purpose Problem: Should You Even Fully Retire?The happiest retirees David has seen, the financial benefits of partial work, and why "retire to something" beats "retire from something" every time.~20:00 — Business Owner or Employee: The Decisions Are DifferentW-2 employees: catch-up contributions, pension options, the healthcare gap before Medicare, Social Security timing. Business owners: exit planning, retirement plan vehicles, tax-efficient value extraction, and the concentration risk problem.~26:00 — Accumulation vs. Distribution PortfoliosWhy the portfolio that built your wealth can destroy your retirement. Sequence of returns risk explained plainly — same average return, completely different outcomes.~29:00 — The Bucket StrategyThree buckets, three time horizons, one framework that eliminates panic selling. How Bucket One is your shock absorber and why Bucket Three can still be aggressive.~32:00 — Roth vs. Pre-Tax: The Great DebateIt's almost always "and," not "or." Tax diversification, the Roth conversion window, and why business owners have unique opportunities here.~35:00 — The Risks Nobody Wants to Talk AboutLongevity risk (you live longer than your money does) and long-term care (70% of retirees will need it). What hybrid products exist now and why waiting to have this conversation is itself a costly decision.~38:00 — Spend on Experiences While You Can + Legacy PlanningThe go-go, slow-go, no-go framework. Why retirees wait too long. Legacy basics: beneficiary designations, powers of attorney, donor-advised funds, and the "talk while you can" imperative.Key Takeaways

Send us Fan MailDivorce is emotional. But for many women, the financial side can be the biggest shock of all.This week on Women & Money: The Shit We Don't Talk About, Barbara and Maggie sit down with Alex and Amanda, divorce mediators and co-hosts of the Dirty Laundry podcast, to share the real financial realities women face during separation and divorce.  Alex and Amanda share what they see every day behind closed doors, from hidden debt and emotional fights over “the Peloton,” to the financial wake-up calls that happen when one partner has been managing all the money. They also explain why mediation can help couples avoid high-conflict court battles, protect their finances, and create healthier co-parenting relationships moving forward.  00:49 Meet Alex & Amanda from Dirty Laundry05:05 Why unpaid labor matters in divorce06:10 Trial separations explained09:45 Can trial separations save marriages?16:40 Why mediation works differently than court20:00 Learning healthy conflict resolutionAlex and Amanda also remind women that even if they feel overwhelmed right now, they are capable of rebuilding financial confidence and creating a future that feels safe, secure, and fully their own. Whether you're navigating divorce, supporting someone through it, or simply trying to understand your finances more deeply, join us for next week's Money Talks “Protect Your Assets During a Divorce”. Click here to register for FREE and bring your questions!  This episode is supported by Marguerita Cheng, CFP®, RICP®, CDFA®, CEO of Blue Ocean Global Wealth. Marguerita works with women navigating divorce to bring clarity, confidence, and control back into their financial lives. At Blue Ocean Global Wealth, the focus is on helping women understand their options, make informed decisions, and feel empowered about their financial future, especially during moments that feel uncertain or overwhelming. If you're going through divorce and want support that's clear, grounded, and centered on your long term wellbeing, you can learn more and connect with Marguerita at www.blueoceanglobalwealth.com and follow her on LinkedIn, Instagram, Facebook, and Youtube.Disclosure:Securities offered by Registered Representatives and Advisory products and services offered by Investment Advisory Representatives through Private Client Services, member FINRA/SIPC, and a Registered Investment Advisor. Private Client Services and Blue Ocean Global Wealth are unaffiliated entities.Follow & connect with Alex & Amanda:Youtube Website Instagram: @dirty.laundry.podcast Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

The stock market is back at all-time highs, with the Dow, S&P 500, and Nasdaq all closing at new records. The S&P 500 also posted its 9th straight week of gains, but as exciting as this moment feels, it is important to remember: this too shall pass.In this Friday market recap, James breaks down why investors should avoid getting too emotional when markets are up or down, how the AI revolution is still driving this market cycle, and why this moment could be compared to major periods of innovation like the railroad, the internet, and other major technology shifts.We also cover the big moves of the week, including Snowflake's huge gains, Costco's decline, weakness across most of the Magnificent 7 outside of Microsoft, crude oil moving lower, and the 10-year Treasury yield closing lowering to around 4.4% helping investors take a more risk on approach to the market.James also discusses whether it may be time to take profits in major winners like Western Digital, SanDisk, and Micron, plus what massive potential IPOs like SpaceX, OpenAI, and Anthropic could mean for the market. If these companies go public, money has to come from somewhere, and that could create a major shift in where investors are allocating capital.The AI story is still the main driver of this market, but record highs can also bring new risks, new emotions, and the possibility of a pullback. The key is staying disciplined, investing in progress, and understanding that markets are always moving in cycles. Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

Episode  ·  May 30, 2026 What to Do When You Inherit Money: The Rules, the Risks, and the Right Moves The Tom Dupree Show|Dupree Financial Group|dupreefinancial.com|859-233-0400 Episode Description Inheriting money should feel like good news — and it often is. But the moments surrounding an inheritance are rarely straightforward. There’s grief. There’s urgency. There’s a sudden responsibility for assets you didn’t plan for, invested in ways not designed for your situation. In this episode, Tom Dupree and Lead Advisor Mike Johnson walk through what actually happens when wealth transfers from one generation to the next — and what to do about it. The conversation covers the full spectrum of inherited assets: taxable investment accounts with stepped-up cost basis, life insurance proceeds, annuities with embedded tax liabilities, and the increasingly complicated world of inherited IRAs. Tom and Mike explain how the SECURE Act of 2019 effectively ended the stretch IRA, what the 10-year rule now requires of most non-spouse beneficiaries, and why failing to plan around required annual distributions can trigger a decade of preventable tax consequences. The episode also covers practical strategies for current asset owners — how to use appreciated stock gifts to rebalance efficiently, when to let a legacy holding ride to pass a stepped-up basis to heirs, and why having all parties (investment advisor, CPA, and attorney) on the same page before a transfer happens makes everything smoother. Knowing what you own and why you own it isn’t just good advice for volatile markets — it’s the foundation of a plan your heirs can actually build on. Topics Covered The gray wave: why trillions in wealth are changing hands over the next 15 years The 90-day rule: why pausing before making any major financial move protects you Stepped-up cost basis on inherited taxable accounts — how it works and why it matters Tax treatment differences between inherited IRAs, annuities, and life insurance proceeds The SECURE Act’s 10-year rule for inherited IRAs and required annual distributions Exceptions to the 10-year rule: spouses, minor children, disabled beneficiaries, and siblings within 10 years Using inherited IRA withdrawals to fund Roth conversions on your own accounts Gifting appreciated stock to charity as a tax-efficient rebalancing strategy Why beneficiary designations and estate coordination require regular review How Dupree Financial Group coordinates with CPAs and attorneys to quarterback inheritance planning Key Takeaways Pause before you act. An inheritance often arrives during an emotionally charged time. Waiting 90 days before making any major gifting, investment, or debt payoff decisions keeps emotion out of choices with long-term consequences. Not all inherited assets are taxed the same. Taxable investment accounts typically receive a stepped-up cost basis — wiping out embedded capital gains for the beneficiary. Life insurance proceeds are generally income-tax-free. Annuities and inherited IRAs carry ordinary income tax obligations. Knowing the vehicle determines the strategy. The stretch IRA is gone. The SECURE Act of 2019 eliminated the ability for most non-spouse beneficiaries to stretch inherited IRA distributions over their lifetime. A 10-year withdrawal window now applies, with required annual distributions each year — not just a lump sum in year ten. A withdrawal plan for an inherited IRA is not optional. The IRS requires distributions each year over the 10-year period. Without a coordinated strategy, beneficiaries can face unexpected income spikes, higher tax brackets, and lost reinvestment opportunities. Gifting appreciated stock beats gifting cash. If you plan to give to charity anyway, donating appreciated shares instead of writing a check eliminates the capital gain for you, produces no tax consequence for the charity, and frees up cash to repurchase the same investment at a higher cost basis. Beneficiary designations are the most overlooked planning tool. Outdated or missing designations create probate complications and can override your wishes entirely. Regular reviews — coordinated across investment accounts, retirement plans, and insurance — are essential. Coordination between advisors prevents costly mistakes. Inheritance planning sits at the intersection of investments, taxes, and legal structure. Having your financial advisor, CPA, and attorney aligned — not working in silos — is the difference between a smooth transition and a decade of cleanup. The income approach applies to inherited assets, too. Inherited portfolios that aren’t generating income need to be repositioned around your actual retirement cash flow needs. A growth-oriented portfolio you’ve inherited wasn’t built for your life — it needs to be evaluated in the context of your plan. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is set up to generate income — whether you’ve recently inherited assets or simply want to know what you own and why you own it — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call:859-233-0400|Visit:dupreefinancial.com The post What to Do When You Inherit Money: The Rules, the Risks, and the Right Moves appeared first on Dupree Financial.

What if the biggest turning point in your life starts with a difficult question? In this conversation, Jeremiah, Laura, and special guest JR Lay explore the tension many entrepreneurs and high achievers quietly carry beneath the surface. From identity and ambition to disruption, adaptability, and purpose, this discussion goes far beyond business strategy. JR shares personal stories about building businesses, navigating burnout, redefining failure, and learning how wisdom often grows through discomfort. Together, they unpack why perspective matters so much in seasons of uncertainty and how the stories we tell ourselves shape the future we create. Whether you are navigating a career transition, building a business, leading a family, or simply feeling stretched by change, this episode offers a thoughtful perspective on growth, resilience, and becoming who you are meant to become. #BuildingWealthyHabits #EntrepreneurMindset #PersonalGrowth #Leadership #FinancialPlanning #BusinessOwners #WealthManagement #Entrepreneur Connect with JR Lay: LinkedIn: https://www.linkedin.com/in/jrwlay/ Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadvisors.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

As Founder of My Wealth 4 Life, Karen leads a firm dedicated to delivering comprehensive, high-level financial and estate planning designed to protect, preserve, and enhance our clients' hard-earned wealth. Their approach is both strategic and practical—focused on identifying overlooked risks, uncovering hidden opportunities, and building durable financial structures that stand the test of time.They work closely with medical professionals and entrepreneurs who operate in complex financial environments. Many are highly successful, yet still exposed to inefficiencies within their tax strategies, cash flow systems, and overall financial architecture. Their role is to bring clarity and precision—helping them eliminate waste, improve liquidity, and align their resources with long-term wealth and legacy objectives.Karen's perspective is shaped by a diverse international background in economics, business, and finance. She began my career in economic consulting with the United Nations Industrial Development Organization in Vienna, Austria, followed by a role as a marketing executive at 3M Germany. She later transitioned into financial services with Prudential in Düsseldorf, Germany, where she developed a foundation in advanced financial planning.After returning to the United States, Karen earned her Certified Financial Planner™ designation and established My Wealth 4 Life to provide a more integrated and sophisticated level of advisory services. She has since pursued advanced certifications in profit acceleration, exit and succession planning, cash flow optimization, income structuring, and capital creation, along with extensive training in estate planning and retirement income strategies.This multidisciplinary expertise allows her to approach each client's situation with a wide lens—connecting the often siloed areas of tax, business, investment, and legacy planning into one cohesive strategy. The result is not just a financial plan, but a structured path toward sustained wealth, greater control, and long-term financial confidence.Learn more: https://mywealth4life.comSecurities offered through Simplicity Group Investments, Member FINRA/SPIC, 475 Springfield Ave., Summit, N.J. 07901. Advisory Services offered through the Leaders Group Advisory, a Registered Investment Advisor. Orion Financial Associates, LLC is not affiliated with Simplicity Group Investments. CA Lic. No 0B77498.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-karen-powell-founder-of-my-wealth-4-life-discussing-tax-efficient-strategies-for-lasting-wealth

As Founder of My Wealth 4 Life, Karen leads a firm dedicated to delivering comprehensive, high-level financial and estate planning designed to protect, preserve, and enhance our clients' hard-earned wealth. Their approach is both strategic and practical—focused on identifying overlooked risks, uncovering hidden opportunities, and building durable financial structures that stand the test of time.They work closely with medical professionals and entrepreneurs who operate in complex financial environments. Many are highly successful, yet still exposed to inefficiencies within their tax strategies, cash flow systems, and overall financial architecture. Their role is to bring clarity and precision—helping them eliminate waste, improve liquidity, and align their resources with long-term wealth and legacy objectives.Karen's perspective is shaped by a diverse international background in economics, business, and finance. She began my career in economic consulting with the United Nations Industrial Development Organization in Vienna, Austria, followed by a role as a marketing executive at 3M Germany. She later transitioned into financial services with Prudential in Düsseldorf, Germany, where she developed a foundation in advanced financial planning.After returning to the United States, Karen earned her Certified Financial Planner™ designation and established My Wealth 4 Life to provide a more integrated and sophisticated level of advisory services. She has since pursued advanced certifications in profit acceleration, exit and succession planning, cash flow optimization, income structuring, and capital creation, along with extensive training in estate planning and retirement income strategies.This multidisciplinary expertise allows her to approach each client's situation with a wide lens—connecting the often siloed areas of tax, business, investment, and legacy planning into one cohesive strategy. The result is not just a financial plan, but a structured path toward sustained wealth, greater control, and long-term financial confidence.Learn more: https://mywealth4life.comSecurities offered through Simplicity Group Investments, Member FINRA/SPIC, 475 Springfield Ave., Summit, N.J. 07901. Advisory Services offered through the Leaders Group Advisory, a Registered Investment Advisor. Orion Financial Associates, LLC is not affiliated with Simplicity Group Investments. CA Lic. No 0B77498.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-karen-powell-founder-of-my-wealth-4-life-discussing-overcoming-financial-fears-building-confidence

As Founder of My Wealth 4 Life, Karen leads a firm dedicated to delivering comprehensive, high-level financial and estate planning designed to protect, preserve, and enhance our clients' hard-earned wealth. Their approach is both strategic and practical—focused on identifying overlooked risks, uncovering hidden opportunities, and building durable financial structures that stand the test of time.They work closely with medical professionals and entrepreneurs who operate in complex financial environments. Many are highly successful, yet still exposed to inefficiencies within their tax strategies, cash flow systems, and overall financial architecture. Their role is to bring clarity and precision—helping them eliminate waste, improve liquidity, and align their resources with long-term wealth and legacy objectives.Karen's perspective is shaped by a diverse international background in economics, business, and finance. She began my career in economic consulting with the United Nations Industrial Development Organization in Vienna, Austria, followed by a role as a marketing executive at 3M Germany. She later transitioned into financial services with Prudential in Düsseldorf, Germany, where she developed a foundation in advanced financial planning.After returning to the United States, Karen earned her Certified Financial Planner™ designation and established My Wealth 4 Life to provide a more integrated and sophisticated level of advisory services. She has since pursued advanced certifications in profit acceleration, exit and succession planning, cash flow optimization, income structuring, and capital creation, along with extensive training in estate planning and retirement income strategies.This multidisciplinary expertise allows her to approach each client's situation with a wide lens—connecting the often siloed areas of tax, business, investment, and legacy planning into one cohesive strategy. The result is not just a financial plan, but a structured path toward sustained wealth, greater control, and long-term financial confidence.Learn more: https://mywealth4life.comSecurities offered through Simplicity Group Investments, Member FINRA/SPIC, 475 Springfield Ave., Summit, N.J. 07901. Advisory Services offered through the Leaders Group Advisory, a Registered Investment Advisor. Orion Financial Associates, LLC is not affiliated with Simplicity Group Investments. CA Lic. No 0B77498.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-karen-powell-founder-of-my-wealth-4-life-discussing-tax-efficient-strategies-for-lasting-wealth

As Founder of My Wealth 4 Life, Karen leads a firm dedicated to delivering comprehensive, high-level financial and estate planning designed to protect, preserve, and enhance our clients' hard-earned wealth. Their approach is both strategic and practical—focused on identifying overlooked risks, uncovering hidden opportunities, and building durable financial structures that stand the test of time.They work closely with medical professionals and entrepreneurs who operate in complex financial environments. Many are highly successful, yet still exposed to inefficiencies within their tax strategies, cash flow systems, and overall financial architecture. Their role is to bring clarity and precision—helping them eliminate waste, improve liquidity, and align their resources with long-term wealth and legacy objectives.Karen's perspective is shaped by a diverse international background in economics, business, and finance. She began my career in economic consulting with the United Nations Industrial Development Organization in Vienna, Austria, followed by a role as a marketing executive at 3M Germany. She later transitioned into financial services with Prudential in Düsseldorf, Germany, where she developed a foundation in advanced financial planning.After returning to the United States, Karen earned her Certified Financial Planner™ designation and established My Wealth 4 Life to provide a more integrated and sophisticated level of advisory services. She has since pursued advanced certifications in profit acceleration, exit and succession planning, cash flow optimization, income structuring, and capital creation, along with extensive training in estate planning and retirement income strategies.This multidisciplinary expertise allows her to approach each client's situation with a wide lens—connecting the often siloed areas of tax, business, investment, and legacy planning into one cohesive strategy. The result is not just a financial plan, but a structured path toward sustained wealth, greater control, and long-term financial confidence.Learn more: https://mywealth4life.comSecurities offered through Simplicity Group Investments, Member FINRA/SPIC, 475 Springfield Ave., Summit, N.J. 07901. Advisory Services offered through the Leaders Group Advisory, a Registered Investment Advisor. Orion Financial Associates, LLC is not affiliated with Simplicity Group Investments. CA Lic. No 0B77498.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-karen-powell-founder-of-my-wealth-4-life-discussing-overcoming-financial-fears-building-confidence

Portugal has become one of the most popular destinations for Americans moving abroad, but the move is not always as simple as it looks. From visas and tax residency to Golden Visa funds, PFIC reporting, retirement accounts and recent citizenship changes, there are plenty of details that can catch Americans out if they do not plan properly.  Richard Taylor - dual UK/US citizen and Chartered Financial Planner - is joined by Zeev Fisher - an international advisor and founder of Fresh Legal Group - a boutique firm specialising in international wealth and cross-border tax. Together, they unpack what Americans need to know before moving to Portugal, especially those navigating US tax, expat tax advice, and complex cross-border rules.  They break down the key visa routes for Americans, including the D7 passive income visa and the D8 digital nomad visa, and when a Golden Visa makes sense. They also explain how PFIC rules can create unexpected US tax issues, why using retirement funds for a Golden Visa investment can trigger serious penalties if done incorrectly, and how these decisions fit into broader cross border financial planning.  Richard and Zeev also discuss Portugal's new tax regime replacing the former non-habitual resident system, and what it means in practice for Americans moving over today. Finally, they break down the recent citizenship rule changes and why they have become such a major issue for current and future expats, particularly those thinking long term about expat retirement planning or building a life overseas.  –  Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.  https://planfirstwealth.com/  –  Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

Brent chats with Jennifer Lee about working with business owners to create a succession plan. They discuss some of the hurdles, ways to start the conversation, and important planning, family and tax matters to consider. Jennifer Lee is the owner and founder of Modern Wealth. Jennifer grew up in the world of financial advising by going on appointments with her father and to his office on weekends. Watching how he served his clients, she gained a solid understanding of the work ethic and values of a dedicated financial advisor. Today as Founding Partner of Modern-Wealth, Jennifer directs her financial acuity to helping those who are in financial transition – whether divorcing, recently widowed, buying or selling a business, retiring, inheriting assets or merging families after remarriage. Her goal is to be a trusted advisor who provides independent analysis, develops strategy, and walks clients through the process of understanding their financial lives. Working collaboratively with clients and their other advisors, Jennifer and her team help clients cut through the noise and make sound financial decisions. Originally from Maryland, Jennifer brings a wealth of experience to her work. Jennifer founded Modern-Wealth in Maryland 21 years ago, relocating to Lakewood Ranch in 2012. Since transitioning her practice into Florida, Jennifer has been involved various community programs (i.e. Manatee Memorial Women’s Action Committee, Chamber of Commerce, S.W.A.T.). She loves the area’s arts and culture and it’s gorgeous beaches as well as cooking, entertaining, and making jewelry in her down time. She also delights in one of the perks of her job – throwing the occasional “Retirement” or “Independence Day” party for clients. Her most recent endeavor; Jennifer wrote a book entitled “Squeeze The Juice.” This easy to read, easy to understand book acts as a guide mixing her own life experiences, career expertise and through provoking passages that encourage you to be your best self. Jennifer can be found at: Our Team – Modern Wealth 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 offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Modern-Wealth, LLC and Cambridge are not affiliated. This material is for informational purposes only. The views expressed are those of the speaker as of the date noted and not necessarily of the speaker's firm or its affiliates. If you are enjoying the podcast please SUBSCRIBE and leave a REVIEW, and if you want to learn more about Brent go to https://wealthandlaw.com/team/. Legal Disclaimer: https://wealthandlaw.com/legal-disclaimer/

Are bonds becoming more attractive again? Or is the exploding U.S. national debt a ticking time bomb for investors? Welcome to the 300th episode of The Market Moment! In this milestone episode, Matt, John, and Lee dive deep into the massive shifts happening in the fixed income and Treasury markets. After a brutal couple of years for fixed income, long‑duration Treasury yields recently climbed over 5%… for the first time since the 2008 financial crisis. They break down the exact math of why bonds got crushed when the Fed rapidly hiked rates, the critical difference between investing in bonds for steady income versus total return, and how creeping inflation might force the Fed to keep rates higher for longer. We also tackle the massive elephant in the room: the U.S. government spending a staggering $1 trillion annually just to service the interest on our national debt. They discuss what this means for investor confidence, foreign nations offloading Treasuries, and the long-term macro outlook.  #nationaldebt  #bondmarket #interestrates #macroeconomics #TheMarketMoment  Enjoyed the episode? Don't forget to:

In this episode of Real Money, Real Experts, hosts Dr. Brandy Baxter and Rachael DeLeon sit down with Lisa Whitley, accredited financial counselor, and founder of MoneyByLisa LLC, a Registered Investment Advisor domiciled in the District of Columbia. Lisa shares her unique journey as a Foreign Service Officer with the United States Agency for International Development into financial counseling and advocacy work. Together, they explore how financial professionals can use their firsthand client experiences to influence policy, support financial wellness initiatives, and create meaningful change at the local, state, and federal levels.From affordability challenges and utility assistance programs to consumer protection and community advocacy, this conversation breaks down how advocacy doesn't have to feel overwhelming — and why even one small step can make a lasting impact.Whether you're passionate about policy or simply looking for ways to better support your clients, this episode is a reminder that your voice matters.Show Notes:00:00 – Welcome back to Real Money, Real Experts00:38 – Introducing guest Lisa Kirchenbauer01:57 – Lisa's journey into government relations and advocacy03:15 – From Wall Street and United States Agency for International Development to financial counseling04:40 – Why Lisa started her own firm, Money by Lisa05:49 – What advocacy looks like in financial wellness06:53 – Why advocacy can feel overwhelming — and how to simplify it08:28 – Starting local: state and community-level advocacy08:48 – The Association for Financial Counseling & Planning Education Advocacy Toolkit and practical resources10:46 – Learning from other states and sharing solutions11:35 – Why AFCs are subject matter experts in financial wellness13:44 – Key policy issues impacting clients right now16:08 – Practical first steps for getting involved in advocacy17:48 – A real-world example of community advocacy creating policy change19:49 – Lisa's 2 Cents20:59 – How the Government Relations Task Force supports the AFCPE communityShow Note Links:Check out our Government Relations Advocacy Toolkit!  Follow MoneyByLisa on Facebook!Connect with Lisa on Linkedin!Learn more about MoneyByLisa!Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

As Founder of My Wealth 4 Life, Karen leads a firm dedicated to delivering comprehensive, high-level financial and estate planning designed to protect, preserve, and enhance our clients' hard-earned wealth. Their approach is both strategic and practical—focused on identifying overlooked risks, uncovering hidden opportunities, and building durable financial structures that stand the test of time.They work closely with medical professionals and entrepreneurs who operate in complex financial environments. Many are highly successful, yet still exposed to inefficiencies within their tax strategies, cash flow systems, and overall financial architecture. Their role is to bring clarity and precision—helping them eliminate waste, improve liquidity, and align their resources with long-term wealth and legacy objectives.Karen's perspective is shaped by a diverse international background in economics, business, and finance. She began my career in economic consulting with the United Nations Industrial Development Organization in Vienna, Austria, followed by a role as a marketing executive at 3M Germany. She later transitioned into financial services with Prudential in Düsseldorf, Germany, where she developed a foundation in advanced financial planning.After returning to the United States, Karen earned her Certified Financial Planner™ designation and established My Wealth 4 Life to provide a more integrated and sophisticated level of advisory services. She has since pursued advanced certifications in profit acceleration, exit and succession planning, cash flow optimization, income structuring, and capital creation, along with extensive training in estate planning and retirement income strategies.This multidisciplinary expertise allows her to approach each client's situation with a wide lens—connecting the often siloed areas of tax, business, investment, and legacy planning into one cohesive strategy. The result is not just a financial plan, but a structured path toward sustained wealth, greater control, and long-term financial confidence.Learn more: https://mywealth4life.comSecurities offered through Simplicity Group Investments, Member FINRA/SPIC, 475 Springfield Ave., Summit, N.J. 07901. Advisory Services offered through the Leaders Group Advisory, a Registered Investment Advisor. Orion Financial Associates, LLC is not affiliated with Simplicity Group Investments. CA Lic. No 0B77498.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-karen-powell-founder-of-my-wealth-4-life-discussing-securing-retirement-lifestyle

As Founder of My Wealth 4 Life, Karen leads a firm dedicated to delivering comprehensive, high-level financial and estate planning designed to protect, preserve, and enhance our clients' hard-earned wealth. Their approach is both strategic and practical—focused on identifying overlooked risks, uncovering hidden opportunities, and building durable financial structures that stand the test of time.They work closely with medical professionals and entrepreneurs who operate in complex financial environments. Many are highly successful, yet still exposed to inefficiencies within their tax strategies, cash flow systems, and overall financial architecture. Their role is to bring clarity and precision—helping them eliminate waste, improve liquidity, and align their resources with long-term wealth and legacy objectives.Karen's perspective is shaped by a diverse international background in economics, business, and finance. She began my career in economic consulting with the United Nations Industrial Development Organization in Vienna, Austria, followed by a role as a marketing executive at 3M Germany. She later transitioned into financial services with Prudential in Düsseldorf, Germany, where she developed a foundation in advanced financial planning.After returning to the United States, Karen earned her Certified Financial Planner™ designation and established My Wealth 4 Life to provide a more integrated and sophisticated level of advisory services. She has since pursued advanced certifications in profit acceleration, exit and succession planning, cash flow optimization, income structuring, and capital creation, along with extensive training in estate planning and retirement income strategies.This multidisciplinary expertise allows her to approach each client's situation with a wide lens—connecting the often siloed areas of tax, business, investment, and legacy planning into one cohesive strategy. The result is not just a financial plan, but a structured path toward sustained wealth, greater control, and long-term financial confidence.Learn more: https://mywealth4life.comSecurities offered through Simplicity Group Investments, Member FINRA/SPIC, 475 Springfield Ave., Summit, N.J. 07901. Advisory Services offered through the Leaders Group Advisory, a Registered Investment Advisor. Orion Financial Associates, LLC is not affiliated with Simplicity Group Investments. CA Lic. No 0B77498.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-karen-powell-founder-of-my-wealth-4-life-discussing-securing-retirement-lifestyle

THE TOM DUPREE SHOW | PODCAST SHOW NOTES All-Time Highs and America’s Second Industrial Revolution The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Markets are hitting all-time highs in the spring of 2026, and Tom Dupree sits down with analysts Michael Dawahare and James Dupree to examine what is actually fueling the rally. The conversation goes well beyond the headlines — covering real earnings growth at AI infrastructure companies, a sweeping national push to bring critical industries back to American soil, and what the arrival of Kevin Warsh as the new Federal Reserve chairman could mean for bond markets and retirement investors. The team also takes a careful look at how to tell the difference between companies with genuine contracted revenue and those priced years into a speculative future. And in a segment that hits close to home for many Kentucky listeners, the hosts examine the structural forces reshaping the bourbon and spirits industry — from shifting generational attitudes toward alcohol to the surprising effect that GLP-1 medications are having on consumer behavior. “Markets don’t drift up — they only rise on conviction. Right now, that conviction is being written in the earnings reports and long-term contracts of the companies building America’s next industrial base.” Topics Covered Why markets are at all-time highs — and whether the earnings justify the rally AI infrastructure spending: hyperscalers committing close to one trillion dollars in 2026 Reshoring as national security strategy: six to eight industries America should stop outsourcing Separating real AI businesses from speculative plays priced years into the future Kevin Warsh as new Fed chairman: a smaller balance sheet and better price discovery in bond markets Historical midterm election pullbacks and what they may signal for the current market cycle Commodities as the most compelling derivative trade of the global reshoring movement GLP-1 drugs and generational attitudes reshaping the bourbon and spirits industry The dot-com bubble parallel: which AI companies have staying power, and which don’t How the COVID pandemic became the pivotal catalyst that accelerated reshoring across industries Key Takeaways Earnings are driving the highs, not speculation alone. Some AI infrastructure companies are reporting 500%+ year-over-year revenue growth backed by signed, long-term contracts. That is a meaningfully different foundation than the dot-com era provided. Know the difference between a business and a bet. Within the AI space, some companies hold 15-year leases and tens of billions in guaranteed revenue. Others are priced five years into an uncertain future with minimal earnings today. Understanding which type you own matters. Reshoring is a generational investment thesis. A coordinated government-and-industry effort to bring back pharmaceutical production, chip manufacturing, steel, aluminum, and energy creates real downstream opportunities in commodities, infrastructure, and labor. A smaller Fed could be good for markets. Kevin Warsh has signaled a desire to reduce the Fed’s balance sheet, which could restore honest price discovery in the bond market — a shift that ripples positively through stocks and other dollar-denominated assets. All-time highs historically lead to higher highs. New market highs on volume reflect the collective judgment of all participants. Pullbacks of 10 to 15 percent are healthy and expected, but they do not change the long-term direction for investors holding quality positions. The spirits industry faces headwinds that may not be temporary. Younger generations are beginning to treat alcohol the way prior generations came to view cigarettes. GLP-1 drug adoption is compounding that shift, with real implications for Kentucky’s economy. Commodities deserve a closer look. As countries reshore and protect the raw materials they need, global supply is tightening. Energy, metals, and materials could benefit from a sustained multi-year tailwind that many retirement portfolios are not currently positioned to capture. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your current portfolio is built for yesterday’s market — or whether it’s positioned for where things are actually heading — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com The post All-Time Highs and America’s Second Industrial Revolution appeared first on Dupree Financial.

The Dow closed at a record high today while the S&P 500 wrapped up its 8th straight week of gains, showing just how strong momentum has been despite constant concerns about inflation, interest rates, and global uncertainty. Nvidia once again crushed earnings, raised its dividend to $0.25 per share, and announced an $80 billion share buyback program. Even though the stock dipped after earnings, these moves are often viewed as bullish signs for long term investors and reinforce Nvidia's critical role in powering the AI buildout.At the same time, the 10 year U.S. Treasury yield nearly touched 4.7% earlier this week before falling back below 4.6% by Friday's close. For investors looking for stability or less market exposure, earning close to 4.7% backed by the U.S. government is becoming an increasingly attractive option. Gold futures also moved lower as investors continue weighing inflation expectations, interest rates, and broader market sentiment.We also discuss Michael Burry's latest warning that the stock market has “jumped the shark,” what that phrase actually means, and why some investors are questioning his repeated bearish calls over the years. Plus, we cover Kevin Warsh stepping in as the new Fed Chair, what history tells us about markets testing new leadership, and why AI may reshape jobs and productivity over the next decade rather than simply replace workers.As always, our goal is to help you cut through the headlines and focus on what actually matters for long term investing.Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

A business sale can create uncertainty and a long list of financial and planning decisions all at once. The months before and after an exit often become an important planning window in a business owner's life. Jeremiah and Laura walk through several planning considerations that may help business owners prepare for a high-income year, evaluate tax planning considerations, and align financial decisions with long-term goals for family, charitable giving, and broader planning considerations. They also discuss why preparation matters long before a transaction is finalized and why coordinated planning with advisors, CPAs, and estate attorneys may help provide additional planning clarity. #businessowners #taxplanning #estateplanning #financialplanning #wealthmanagement --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Energy prices are rising again, inflation is creeping back up, and the global economy may be entering a far more unstable phase than markets are pricing in.  Richard Taylor, Chartered Financial Planner and founder of Plan First Wealth, is joined by Brian Dunhill, founder of Dunhill Financial, for another episode of Macro Aggressions to unpack the growing geopolitical and economic pressures shaping markets right now.   From the Iran conflict and rising oil prices, to China's long term ambitions around Taiwan, the conversation explores how trade routes, energy markets and political instability could fuel another wave of inflation.  Richard and Brian also discuss the Federal Reserve's increasingly difficult position as inflation rises again just as Donald Trump pushes for lower interest rates, alongside the political drama surrounding incoming Fed Chair Kevin Warsh.   The episode also explores a growing economic challenge that is becoming harder to ignore. Richard and Brian explore why demographic decline and falling birth rates may become one of the biggest long term threats to Western economies, and why anti-immigration policies could have major consequences for growth, housing and prosperity in both the US and UK.  --  Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.  https://planfirstwealth.com/  --  Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

Moving to a new job and unsure what to do with your 401(k)? Or maybe you have several from previous jobs? In this episode of The Market Moment, Matt, Lee, and John dive deep into the pros and cons of 401(k) rollovers. They break down hidden fees, the power of investment flexibility, and advanced tax strategies like Net Unrealized Appreciation (NUA) and the Rule of 55. Plus, the team answers a recent viewer question about international stock allocation! Key Takeaways From This Episode: ➡️ 401(k) vs. IRA Fees: Learn how to identify the "soft" internal fees inside a 401(k) and how they compare to self-managed or advisory IRA options. ➡️ Investment Control: Self-directed IRAs have a lot of options, thousands of individual stocks, funds, and options compared to a limited 401(k) menu. ➡️ Advanced Retirement Rules: Understand how Net Unrealized Appreciation (NUA) can save you significant money on highly appreciated company stock , and how the Rule of 55 allows for penalty-free early retirement withdrawals. ➡️ International Portfolio Allocation: How much international exposure do you actually need? The guys debate the historic 100-year trends versus the last 15 years of U.S. market dominance.   #401kRollover #RuleOf55 #NetUnrealizedAppreciation #RetirementPlanning #TheMarketMoment   Enjoyed the episode? Don't forget to:

“In the short run, the market is a voting machine. In the long run, it is a weighing machine.” – Benjamin GrahamMarkets had a strong week but closed Friday in the red. Was it headlines, politics, or the Middle East? Maybe partly. But the bigger story may be interest rates and Treasury yields staying elevated, making lower-risk investments like Treasuries more attractive than stocks in the short term.James breaks down the latest market news, China trade talks, oil prices, the Fed outlook, and why long-term investors may need to stay focused on the bigger picture. Volatility is normal, cash can create opportunity during dips, and AI could still be one of the biggest growth stories ahead.Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

THE TOM DUPREE SHOW  |  PODCAST SHOW NOTES What to Expect When You Finally Call a Financial Advisor The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400 Episode Description For many people approaching retirement, the thought of calling a financial advisor triggers more anxiety than excitement. Will they judge what I have? Will I be pressured into something I don't need? Do I even have enough to make the conversation worth anyone's time? These concerns are common — and largely unfounded. The first meeting with the right kind of advisor starts with listening, not selling, and it opens with a question, not a pitch. “A good advisor does far more listening than talking — and if they're doing all the talking, they're probably selling something.” Tom Dupree and Mike Johnson walk through what that first conversation actually looks like at a fee-only, fiduciary firm: what to bring, how to think about your expenses and Social Security estimate, and what questions to ask about how the advisor is paid and what they actually invest in. There is no obligation at that first meeting — and there should not be. “The only thing your first meeting costs you is your time. You're not signing anything, committing to anything, or obligating yourself to anything — just having a conversation.” The episode also covers the red flags worth watching for — urgency tactics, product pushes before any real analysis, advisors who can't explain what they own or why — and what the path forward looks like if you decide to move ahead. The proposal meeting, the transfer process, and how ongoing reviews work are all covered in plain terms. “Almost without exception, people walk out of that first meeting saying they wish they'd done it sooner — whether they become clients or not.” Topics Covered Why so many people delay meeting with a financial advisor — and what actually holds them back What to bring to your first appointment: statements, Social Security estimates, pension documents, and more What really happens during the first meeting — and why a good advisor asks more than they tell How a fiduciary, fee-only firm approaches your situation differently than a commission-based one The key questions every investor should ask before agreeing to work with any firm Red flags to watch for: product pushes, urgency tactics, and advisors who can't explain their holdings The difference between fee-based, commission, and hourly compensation — and why it matters for your money Why both spouses should be in the room from the very first conversation What comes next: the proposal meeting, the transfer process, and how ongoing reviews are structured Key Takeaways The first meeting is free — in every sense. No contracts, no commitments, no pressure. The only cost is your time, and most people leave having learned something they didn't know walking in. Bring a few basics, not a perfect portfolio summary. Your most recent investment statements, a Social Security estimate from ssa.gov, a rough sense of monthly expenses, and any pension or life insurance documents you have handy are all you need. Ask directly: Are you a fiduciary? Not “do you put clients first” — ask the specific question and expect a clear yes. Vague answers like “we try to act in your best interest” are not the same thing legally. Understand how the advisor is paid. Fee-based, commission, and hourly structures each create different incentives. Knowing the difference helps you spot potential conflicts of interest before they affect your money. The advisor should be listening more than talking. A first meeting that feels like a presentation is a warning sign. The right firm wants to understand your situation — your goals, your income needs, your family — before recommending anything. Know who actually holds your money. A reputable firm uses an independent third-party custodian that is not affiliated with the advisor or the investment products they recommend. This separation exists by design. Bring your spouse from day one. Both partners should be part of the conversation from the start. Learning the details of the financial plan for the first time during a crisis is a situation worth preventing. Keep asking what they invest in — and why. An advisor should be able to explain every holding in plain terms. If they can't — or if their answer is vague — that is worth paying close attention to. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. Schedule a Complimentary Portfolio Review If you're not sure whether your retirement income strategy is built around what you actually need — we'll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it's working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com The post What to Expect When You Finally Call a Financial Advisor appeared first on Dupree Financial.

Stock options can be a valuable part of compensation, but they also come with important tax considerations, vesting schedules, and investment decisions. In this conversation, Jeremiah and Laura break down the differences between RSUs and RSOs, explain how vesting works, and discuss why many employees feel overwhelmed when trying to make decisions around concentrated stock positions and taxes. They also walk through common planning considerations for tech employees, startup professionals, and anyone receiving equity compensation through work. Whether you're newly receiving stock compensation or trying to better understand an existing plan, this episode highlights why having a long-term strategy matters. #StockOptions #RSUs #FinancialPlanning #WealthManagement #EquityCompensation --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Whether you start your own RIA, or join an existing one, choosing which custodian to use is an important part of the decision process.As with choosing most solution providers for your practice, many variables should be evaluated. Price is one of them.So how much does a custodian cost?For better or worse, there is a very nuanced answer to that.On this episode (#148) of the Transition To RIA question and answer series, I explain what you should expect to pay (or not) for custodial services.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/how-much-does-a-custodian-cost/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

For Americans living abroad, US citizenship can come with unexpected restrictions, from banking problems and mortgage issues to business ownership challenges and complex US tax reporting. Richard Taylor, dual UK/US citizen and Chartered Financial Planner at Plan First Wealth, is joined by Dan Brotman, Global Mobility Specialist, and Marko Peck, investment migration advisor, for a conversation on cross border financial planning, expat tax advice, and what it really means to build more options into your life as an expat. Marko shares why he renounced his US citizenship, what the process looked like, and how life changed afterwards. Dan and Marko also explain why citizenship and residency are not the same thing, and how this impacts travelling to the US, travelling globally, and long-term planning for internationally mobile individuals. They also explore international wealth strategy through second passports, including citizenship by descent and citizenship by investment, as well as the growing importance of diversification for expat retirement planning and long-term financial growth. If you are a British expat, an American abroad, or someone thinking about your next move internationally, this episode offers practical financial advice and insight into how to navigate an increasingly complex global landscape. -- Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.   https://planfirstwealth.com/   --   Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

Many retirees assume their Medicare premiums will stay consistent once they enroll. But that's not always the case, especially for higher-income individuals. In this episode, Larry Heller, CFP®, CDFA®, breaks down IRMAA, the income-related surcharge that can increase your Medicare Part B and Part D premiums based on income from two years prior. He explains how everyday financial decisions, from IRA withdrawals to capital gains and Roth conversions, can unexpectedly push you into higher premium brackets.  Larry discusses: What IRMAA is and how it impacts Medicare premiums How income from two years prior determines your current costs Common triggers like Roth conversions, property sales, and large withdrawals Strategies to potentially reduce IRMAA through proactive tax and income planning Why coordinating tax, investment, and healthcare decisions is essential in retirement And more! Resources: SSA Form 44 (to report a life-changing event and potentially reduce IRMAA) Medicare IRMAA income brackets and thresholds Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/

In this second episode of our season-long exploration into "The Wallet," Peterson Toscano and Diana Yañez dive into Relational Finance. This concept challenges the traditional divide between "financial experts" and "spiritual seekers." Taking the Quaker theology of the "priesthood of all believers" and applying it to economics, we explore how taking personal responsibility for our money—and our institutional assets—leads to deeper integrity and more equitable power-sharing. From the boardrooms of major corporations to micro-grant partnerships in Kenya and Sierra Leone, we look at what happens when we stop letting others stand between us and the truth of our financial impact. In This Episode The Unmediated Truth: Jeff Perkins reflects on the Quaker commitment to taking responsibility for one's beliefs, even when it comes to the "taboo" topic of money. Decolonizing Power: Traci Hjelt Sullivan discusses how Right Sharing of World Resources is shifting power from Western offices to local coordinators, moving from "saviorism" to genuine partnership. Ownership as a Tool: We explore how holding onto shares in a company (rather than just divesting) can be a powerful way to "hold the door open" for justice in corporate boardrooms. Our Guests Jeff Perkins Jeff is the former executive director of Friends Fiduciary. He is a member of Chestnut Hill Friends Meeting in Philadelphia and lives in Philadelphia with his husband. His journey to Quakerism began at a nuclear test site protest in the 1980s, where the integrity of Quaker activists inspired his lifelong commitment to faith-led action. Traci Hjelt Sullivan Traci is the executive director of Right Sharing of World Resources (RSWR). With decades of non-profit management experience, including roles at Pendle Hill and Friends General Conference, Traci brings a global perspective to her work, having lived or worked in Ethiopia, Zambia, Botswana, Kenya, and beyond. She is a member of Green Street Meeting in Philadelphia. Nathan Kleban Nathan is the program and advancement associate at RSWR. His background includes serving as an environmental volunteer with the Peace Corps in Mali and working with the Alternatives to Violence Project (AVP). He currently lives in Iowa City, Iowa. Amy Carr Amy is the senior shareholder advocate at Friends Fiduciary. She utilizes her background in information science and data research to engage companies on ESG (environmental, social, and governance) issues, bringing Quaker values to the forefront of corporate dialogue. Organizations Mentioned Friends Fiduciary Corporation: A Quaker nonprofit providing professional investment and planned giving services to Friends meetings, schools, and organizations. Right Sharing of World Resources: An organization providing seed grants to women's self-help groups in the Global South, rooted in the Quaker testimony of simplicity. American Friends Service Committee (AFSC): A Quaker organization working for social justice, peace, and humanitarian service around the world. Disclaimers Quakers Today is a project of Friends Publishing Corporation. This season is sponsored by Friends Fiduciary and the American Friends Service Committee. Investment Disclaimer: Friends Fiduciary unites Quaker values with expert investing. However, the information provided in this episode is for educational and informational purposes only and should not be construed as investment, financial, or tax advice. Please consult with a professional financial advisor regarding your specific situation. Question for Listeners How do you balance "expert advice" with your own spiritual leadings when it comes to your money? Have you ever felt a "dissonance" between your investments and your values? Share your thoughts! Leave a voicemail: Call 215-645-0132 Email us: podcast@friendsjournal.org Social Media: Respond to us on Facebook or Instagram. Diana Gisel Yañez is an Investment Advisor Representative of Natural Investments PBLLC. Natural Investments is an independent Registered Investment Advisor. Quakers Today and Friends Journal are not a registered entity and are not an affiliate or subsidiary of Natural Investments. See our Disclosures and Disclaimers and read our Form CRS.

Potential Social Security cuts are making headlines again—but should headlines alone drive retirement planning conversations? In this episode of The Market Moment, Matt, Isaac, and John discuss common questions surrounding the future of Social Security and the current state of global markets. With projections suggesting possible benefit reductions by 2033, the team explores how people often think about claiming strategies and why commonly discussed approaches (like waiting until age 70) aren't universal. They also examine the early‑2026 environment for international markets amid ongoing energy disruptions in the Strait of Hormuz, and why U.S. stocks are often described as more expensive relative to some overseas markets. Covered in this episode: Social Security Discussion: Is a 7–24% reduction actually projected, and how does Congress typically respond to these scenarios? Claiming Considerations: How health, longevity assumptions, and break‑even analysis factor into conversations. Global Market Overview: U.S. versus international valuations and the role of energy independence. Retirement Liquidity: Common perspectives on cash reserves and “sleep‑at‑night” planning. Strategic Borrowing: High‑level pros and cons of securities‑based lines of credit in specific situations. Enjoyed the episode? Don't forget to:

The Tom Dupree Show  |  Podcast Show Notes Reading the Market Through the Fog: AI Momentum, Iran’s Economic Shadow, and What It Means for Your Retirement Portfolio The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400  |  Air Date: May 9, 2026 Episode Description The market rarely moves in one direction for one reason, and this episode is a clear illustration of that. Tom Dupree, Mike Johnson, and James Dupree cover two very different forces shaping portfolios right now: the surging momentum in AI-related stocks — semiconductors, memory chips, and optical connectivity — and the slower-burning economic threat posed by the conflict in the Strait of Hormuz, which is putting pressure on oil prices, fertilizer supply, and the global food chain heading into planting season. The team breaks down what a gamma squeeze is and why it may be amplifying gains in certain tech stocks beyond what fundamentals alone would justify, what three scenarios for the Strait of Hormuz reopening could mean for inflation and interest rates, and how Dupree Financial Group thinks about making incremental portfolio adjustments without abandoning a long-term retirement income strategy. It is a candid look at the internal conversations that happen when managing real money in an uncertain world. “It’s like the duck on water — it looks calm on the surface, but underneath, its feet are going 100 miles an hour.” — Mike Johnson, on the market’s competing cross-currents “You can be right on a situation and still be wrong on the market — so you make incremental adjustments while keeping the baseline investment process the same.” — Tom Dupree Topics Covered What a gamma squeeze is — and why it may be inflating gains in AI-related stocks beyond their fundamentals The memory chip shortage: why demand for semiconductors from Micron and SanDisk is driving price surges and what it means for industries from gaming to AI Optical connectivity stocks and the supply bottleneck in pump lasers — why companies like Applied Optoelectronics and Lumentum Holdings are reporting explosive revenue growth Intel’s remarkable comeback: 26 years of flat performance, a new Apple partnership, and a US government stake that has turned into a six-bagger The Niall Ferguson framework: three Strait of Hormuz scenarios and their projected effects on fertilizer prices, crop production, energy costs, and global inflation Why fertilizer timing matters as much as price — and how the conflict’s overlap with planting season creates a different kind of risk than past supply disruptions Stagflation as a tail risk: what it would mean for long-duration assets including growth stocks and fixed income How Dupree Financial Group makes incremental portfolio adjustments — trimming positions that have performed well, adding exposure to areas of opportunity — without making all-or-nothing bets Why knowing what you own matters more than ever when markets are moving in multiple directions at once Fee transparency: what a single, straightforward advisory fee looks like compared to the layered costs many investors carry without realizing it Key Takeaways Market momentum can be real and artificially amplified at the same time. A gamma squeeze occurs when options market makers are forced to buy shares to hedge their positions as prices rise past certain strike levels. This mechanical buying can push prices higher faster than fundamentals alone would justify — and can reverse just as quickly. Understanding what is driving a move matters more than just watching the move itself. Memory chips are a genuine bottleneck in the AI buildout — and prices reflect it. The cost of one terabyte of memory roughly tripled in a matter of months as AI data center demand outpaced supply. Companies that make or depend on memory chips are seeing earnings growth that justifies valuations even after large price increases. This is not just momentum — there are real fundamentals underneath it. The Strait of Hormuz conflict is not just an oil story. Fertilizer — specifically urea — moves through the same strait, and urea prices rose roughly 47 percent in two months. With global planting seasons underway, a prolonged bottleneck affects crop yields for the full harvest year, which has downstream effects on food prices and inflation that take time to work through the system. Tail risks are worth considering even when they are not the base case. The hosts reference the 2008 housing crisis as a reminder that consensus thinking can be catastrophically wrong. Considering scenarios outside the mainstream — and thinking through their portfolio implications — is part of responsible retirement money management, even when those scenarios are unlikely. Stagflation is hard on long-duration assets — including growth stocks. In an environment of high inflation and rising interest rates, both long-duration bonds and high-multiple growth stocks are vulnerable. A portfolio built around dividend-paying companies with pricing power and predictable cash flows holds up better in that environment than one chasing price appreciation alone. Incremental adjustments beat all-or-nothing calls. The team trimmed positions that had run significantly and added exposure to areas of opportunity — not because they predicted the market bottom, but because valuations and fundamentals supported it. Timing the market perfectly is not the goal; managing risk and staying positioned for income is. Knowing what you own — and what it costs — is more valuable than most investors realize. Many people working with financial advisors cannot describe what is in their portfolio or how much they are paying in total fees. Dupree Financial Group charges one transparent fee, owns individual companies in each client’s separately managed account, and can explain every holding and why it is there. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is built to hold up in an environment like this one — with competing pressures from AI momentum, rising energy costs, and inflation risk — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com Dupree Financial Group is a fee-only, fiduciary SEC-registered Investment Advisory firm based in Lexington, Kentucky. This content is for informational and educational purposes only and does not constitute personalized investment advice. Nothing heard on this program is a recommendation to buy or sell any security. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Please consult a qualified financial advisor before making investment decisions. The post Reading the Market Through the Fog: AI, Iran, and Your Retirement appeared first on Dupree Financial.

The market just hit a new all time high, with the S&P 500 pushing toward 7400 and the Nasdaq closing its 5th straight week of gains. So what happens next… are we heading for a melt up or a pullback? In this video, we break down: Why the market feels great right now… and why that can change fast. The latest jobs report and what it means for the economy. How AI is driving massive spending and earnings growth. Why the next 12 to 24 months could be one of the biggest investing opportunities we have seen. The “risk off to risk on” shift and why cash on the sidelines could flood back into the market. The truth is, nobody knows exactly what happens next. But staying even keeled and trusting the process matters more than trying to time every move.If you are investing right now, this is a conversation you need to hear.Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West & Walters Tax and Wealth Management, a Registered Investment Advisor (RIA) and tax firm based in Carlsbad, California. Our goal is to share market insights, investing tips, tax strategies, and straightforward financial education to help viewers make smarter financial decisions. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

Welcome to Money 911, where we talk about health, wealth, and peace of mind in a way that is real, relevant, and transformational. Today's conversation is one so many people need to hear, especially those thinking about legacy, protection, and how to navigate a changing financial world with wisdom instead of hype. Our guest is Eric Runge — advisor, strategist, and a bridge between Bitcoin and Wall Street. He is the founder of Family Office Bitcoin, a Registered Investment Advisor serving family offices managing more than $50 million in assets. Eric does not pitch crypto trends or chase excitement. He helps serious families think clearly, act wisely, and build institutional-grade Bitcoin strategies designed for generations, not just quarters. With 20 years in traditional finance and deep study in monetary economics, Eric brings a thoughtful and disciplined voice to one of the most misunderstood topics in finance today. He works with families who already have conviction and want to implement Bitcoin the right way — with proper custody, tax awareness, and governance strong enough to withstand major volatility. He is also the author of Bitcoin & The Family Office: An Intelligent Introduction for the Ultra Affluent. This is going to be a fascinating conversation about legacy, trust, volatility, strategy, and what families and advisors often get wrong before they even begin. Learn more about your ad choices. Visit megaphone.fm/adchoices

Podcast recorded 5/6/26 Investment Advisor, JB Bryan explains the value of having a licensed financial advisor. Do you have a Financial Advisor? Is your financial advisor licensed? Is your financial advisor regulated? What is a Registered Investment Advisor? Why is a license important?  JB Bryan has been licensed for several financial products and services since the early 1990's. Ms. Bryan started JB Bryan Financial Group, Inc.  a Registered Investment Advisory Firm in March 1995.  AfroEconomics LIVE! #JBBRYAN  To request a complimentary consultation call 1-844-JBBRYAN. Powered by JB Bryan Financial Group, Inc., A Registered Investment Advisory Firm - The Home of AfroEconomics. Established 1995. www.AfroEconomics.com  www.JBBRYAN.com Email: jb@jbbryan.com

Are all-time highs making you nervous about your retirement date? Are you asking the question, “Should I delay my retirement because of everything going on in our economy?”  In this episode of The Market Moment, Matt and John dive into the common fear of Sequence of Returns Risk and whether recent market volatility should push back your 2026 retirement plans. While it's human nature to worry that "what goes up must come down," the guys explain why all-time highs shouldn't necessarily be feared and how proper planning can help manage retirement risks across different market environments.   In this episode, we cover: ➡️ Defining Sequence of Returns Risk: Why the timing of market downturns matters much more once you start taking income. ➡️ Don't Fear the Highs: A discussion of historical market behavior following all‑time highs. ➡️ The "Bucket Strategy": How to organize your assets into different "buckets" (cash, growth, etc.) so you aren't forced to sell stocks during a market dip. ➡️ Tax Flexibility: The importance of having various account types (Taxable, Tax-Deferred, and Tax-Free/Roth) to manage your retirement income efficiently. ➡️ Risk Re-evaluation: Why many pre-retirees are unknowingly taking more risk than they realize after a long bull market.   Enjoyed the episode? Don't forget to:

Episode: The Tom Dupree Show  |  Host: Tom Dupree  |  Co-host: Mike Johnson Episode Summary Tom Dupree and Mike Johnson tackle one of the most common misconceptions in retirement planning: that a 401(k) balance is a retirement plan. It isn’t. It’s a savings vehicle — and a very good one — but it was designed to collect money, not distribute it. This episode explains what that distinction means in practical terms, and what steps to take before retirement to make sure your savings can actually do the job you’re counting on them to do. Topics Covered in This Episode Why a 401(k) is an accumulation vehicle, not a retirement plan The problem with applying a growth portfolio to a withdrawal strategy How rolling a 401(k) into an IRA opens up income-oriented investment options The three-legged stool: income, growth of income, and price appreciation Why selling shares to fund expenses works in a rising market — and fails in a flat or declining one The case for consolidating multiple old 401(k) accounts before retirement How dividend income shifts the focus from watching the balance to watching the cash flow Why pure asset allocation models limit flexibility in retirement The psychological value of knowing what you own and why you own it Key Takeaways The 401(k) did its job — now it needs a different tool. A 401(k) is structured for dollar-cost averaging and tax-deferred growth. That design is a poor match for generating predictable monthly income in retirement. A bigger balance is not a plan. Knowing your account value is not the same as knowing what that value will produce for you each month, for how long, and under what market conditions. Income-first investing changes the math. When a portfolio generates enough dividend income to cover living expenses, you are not forced to sell shares during market downturns — and that distinction is what protects long-term wealth. Rolling to an IRA opens up your options. The investment menu inside a 401(k) is limited by plan design. An IRA allows access to individual dividend-paying stocks and income-generating vehicles that most 401(k) plans don’t offer. Scattered accounts are a retirement hazard. The average person approaching retirement holds three to five old 401(k) accounts. Consolidating simplifies beneficiary designations, RMD calculations, and day-to-day management. Watch cash flow, not just the balance. In retirement, the number that matters most is what the portfolio produces each month — not what it’s worth on any given day. Know what you own and why you own it. Clients who understand their holdings don’t panic when markets get choppy, because they know the income side of the equation hasn’t changed even if the price has. Three Questions Worth Answering Before You Retire Tom closed the episode with three questions every listener should be able to answer: Do you know what fees you’re paying? Do you know what income your portfolio is currently producing? Do you know what you own and why you own it? If you can’t answer even one of those with confidence, that’s worth addressing before retirement — not after. Frequently Asked Questions What is the difference between a 401(k) and a retirement plan? A 401(k) is a tax-deferred savings vehicle offered through your employer. It is designed to accumulate money during your working years. A retirement plan is a personalized strategy that determines how you will generate income from your savings throughout retirement — including what you own, how much you withdraw, how taxes are managed, and how long your money needs to last. The 401(k) is one piece of that plan, not the plan itself. Should I roll my 401(k) into an IRA when I retire? For most retirees, rolling a 401(k) into an IRA makes sense because an IRA offers a much wider range of investment options — including individual dividend-paying stocks and income-focused strategies that most 401(k) plan menus don’t include. Pre-tax contributions roll into a Traditional IRA; Roth contributions roll into a Roth IRA. The rollover should always be done institution-to-institution to avoid taxes and penalties. Every situation is different, so it’s worth reviewing your specific plan before making the move. What is wrong with leaving my 401(k) invested in an S&P 500 index fund in retirement? The S&P 500 yields just over 1% in dividends — not enough to cover most retirees’ living expenses. That means you’d need to sell shares regularly to generate cash. When the market is rising, that works. When the market is flat or declining, you’re forced to sell more shares to get the same dollar amount, which depletes your principal at the worst possible time. Over a 20- or 30-year retirement, that pattern can quietly cause serious damage to a portfolio. What is an income-focused retirement portfolio? An income-focused portfolio is built around investments that generate regular cash flow — primarily dividend-paying stocks in companies with long track records of consistent and growing dividends. The goal is for the income produced by the portfolio to cover living expenses, so you are not dependent on selling shares to fund retirement. Price appreciation is still part of the picture, but it’s the third priority, not the first. How many 401(k) accounts should I have going into retirement? Ideally, as few as possible. The average person approaching retirement holds three to five old 401(k) accounts from previous employers. Consolidating them into one or two IRAs — one Traditional, one Roth if applicable — simplifies beneficiary designations, required minimum distribution calculations, and overall portfolio management. It also makes it much harder to lose track of money you’ve worked decades to save. What is a safe withdrawal rate in retirement? A commonly referenced figure is 4% per year, which comes from historical research suggesting that withdrawal rate has a high probability of lasting 30 years across most market environments. However, the right withdrawal rate depends on your specific expenses, other income sources like Social Security or a pension, your tax situation, and how your portfolio is structured. An income-focused portfolio where dividends cover most expenses may allow for more flexibility than a pure growth portfolio using a fixed percentage rule. What does Dupree Financial Group do differently from a typical 401(k) plan? Dupree Financial Group is a fee-only, fiduciary RIA that manages separately managed accounts — meaning your investments are held in your name, not pooled into a fund. The firm builds income-focused portfolios around dividend-paying companies selected for their financial strength, cash flow, and dividend history. There are no products sold, no commissions, and no conflicts of interest. The focus is entirely on building a portfolio that generates reliable income and protects principal over a long retirement. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your 401(k) can actually support the retirement you’ve planned, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com The post Your 401(k) Is Not a Retirement Plan appeared first on Dupree Financial.

EPISODE SUMMARYIn this special annual episode, host and CFP David Chudyk steps away from financial strategy to do something he calls "the forbidden" — talk about himself. This episode is designed as a first step for anyone considering working with David as their financial advisor. He shares his background, his philosophy on money and life, who he works best with, and what makes his practice unique.WHAT YOU'LL LEARN IN THIS EPISODEDavid's origin story — growing up in New York and the money mindset he developed early in lifeHow his career evolved from tennis director to Nationwide Insurance agency owner to independent CFPWhy he joined Parallel Financial in 2019 and what that means for his clientsThe behavioral finance philosophy that drives every client relationshipWho David's ideal client is — and who might be a better fit elsewhereWhat the "fit meeting" is and why the "nice person test" is non-negotiableThe difference between delegators, collaborators, and do-it-yourselfers — and why it mattersHow his CFP designation, long-term care certification, and Value Builder advisor credential work togetherWhy risk management is the most overlooked part of financial planningHow to take the next step and schedule a no-cost vision callKEY TIMESTAMPS00:00 — Intro: Why David does a "Get to Know Me" episode once a year 02:00 — David's background: growing up in New York, early money beliefs 06:00 — Career journey: tennis director, financial services, Nationwide agency 11:00 — Going independent: joining Parallel Financial in 2019 14:00 — The Weekly Wealth Podcast origin story 17:00 — David's philosophy: behavioral finance and why returns aren't everything 21:00 — Who David works with: ideal client profile 25:00 — Delegators, collaborators, and do-it-yourselfers 28:00 — Credentials and what makes the practice different 32:00 — The Value Builder advantage for business owners 36:00 — Accountability: what working with David actually looks like 39:00 — How to take the next step: the vision call(Update timestamps to match your final edit)QUOTABLE MOMENTS"I think the right financial advisor is one of the most important relationships you'll ever have — not because of the returns, but because of what a real plan actually does for your life.""How we handle our money should positively impact our lives and the lives of those around us.""My ideal client isn't someone in financial trouble. It's someone who's done really well and knows they could be doing even better with the right strategy and the right person in their corner.""Thinking about completing estate planning documents and actually completing them are not the same thing.""Most people don't fail financially because they don't make enough money. They fall short because they never had a real plan or the right person helping them execute it."RESOURCES & LINKSSchedule your free 10-minute Vision Call: weeklywealthpodcast.com/vision Chudyk Financial Services and Insurance Group: cfsig.net Weekly Wealth Podcast: weeklywealthpodcast.com Parallel Financial — Registered Investment Advisor, Greenville, SC Value Builder System — Business valuation and sellability planningABOUT DAVID CHUDYKDavid Chudyk is a Certified Financial Planner (CFP®) with Parallel Financial, a Registered Investment Advisor based in Greenville, SC. He is also the owner of Chudyk Financial Services and Insurance Group (CFSIG) in Seneca, SC, and holds the Certified Long-Term Care (CLTC) designation and the Certified Value Builder Advisor credential. David has held his CFP designation since 2006 and has been insurance licensed since the early 2000s. He is the host of the Weekly Wealth Podcast and believes that how we handle our money should positively impact our lives and the lives of those around us.DISCLAIMERThe information presented on this podcast is for general educational purposes only and does not constitute financial, investment, legal, or tax advice. Parallel Financial is registered with the U.S. Securities and Exchange Commission (SEC) as a Registered Investment Advisor. Registration does not imply a certain level of skill or training, nor does it constitute an endorsement by the SEC. All investing involves risk, including the potential loss of principal. Please consult a qualified financial professional before making any financial decisions.

Over the past decade, all the (now tired) excuses for why advisors shouldn't move to the RIA model have fallen.To name a few:"The technology is not as good.""You won't have access to the same level of investment solutions.""Clients want the big brand name on the door."Not only are these arguments no longer true, but the RIA model now generally provides a superior solution.But what about servicing HNW and UHNW clients?Can such clients be accommodated the same, or even better, in the RIA model?In this episode (#147) of the Transition To RIA question & answer series, I explain how supporting such clients is not just possible, but generally more favorable in the RIA model.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/can-i-service-high-net-worth-and-ultra-high-net-worth-clients-as-an-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

A second passport isn't just a “nice to have” anymore. It's becoming a real consideration for people who want options and flexibility built into their long-term plan.  Richard Taylor – dual UK/US citizen and Chartered Financial Planner – sits down with global mobility specialist Dan Brotman to break down what's going on with citizenship, residency, and why more expats are thinking seriously about a Plan B as part of their international wealth strategy.  Dan Brotman shares his own story, from becoming an expat at 14 to building a life across multiple countries, and explains why, despite how it feels, only a tiny percentage of people live abroad. They talk about why expats tend to think differently, and why once you've lived internationally, it's hard to ever see the world the same way again.  The conversation then shifts into what people really want to know. How you get a second passport or residency. From traditional routes to investment migration and ancestry, what's realistic today, what's getting harder, and where people are making expensive mistakes when it comes to cross border financial planning.  Richard and Dan also explore how tighter immigration rules, rising global uncertainty, and changing policies are impacting expats, immigrants, and internationally minded families. Whether you're looking for advice for expats, advice for immigrants, or thinking longer-term about expat retirement planning, this is about understanding your options before they close.  If you're already living abroad or thinking about it, this episode will give you a much clearer picture of what's possible, what to be aware of, and how this fits into your wider financial growth and planning decisions with a trusted expat wealth advisor.  –  Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.  https://planfirstwealth.com/  –  Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

From navigating the new mandatory Roth catch-up rules to analyzing a market sitting at its second-highest valuation in 155 years, let's break down what you need to know to stay ahead of the "noise"...  In this episode, Matt, John, and Lee break down recent tax law changes affecting retirement contributions and discuss the current state of the stock market as it sits near all-time highs. They dive deep into the new "super catch-up" provisions for 2026 and why higher earners are now being required to direct those contributions into Roth accounts. If you are over age 50 and planning your retirement strategy, this shift could have a meaningful impact on your year-end tax liability. In this episode, we cover: ➡️ Roth Catch-Up Contributions: Understanding the $150,000 income threshold and how it impacts your after-tax savings. ➡️ 2026 Contribution Limits: A look at the "super catch-up" for those aged 60–63. ➡️ The Shiller PE (CAPE) Ratio: They analyze why this historical metric is at its second-highest level in 155 years and what that means—and doesn't mean—for today's investors. ➡️ Market Resilience: A discussion on how the markets have processed recent geopolitical tensions and why "staying the course" remains a primary challenge for investors. ➡️ The Fed Leadership Transition: Thoughts on Jerome Powell's final meetings and the legacy of recent interest rate cycles. Enjoyed the episode? Don't forget to:

A powerful resource for citizens, educators, leaders, and parents, Hijacked speaks to those ready to defend liberty, restore responsibility, and reweave the social fabric of our nation—before it's too late.In an era of cultural confusion and political polarization, Hijacked offers a bold roadmap for reclaiming the essential principles of a flourishing society. Drawing from historical evidence and timeless wisdom, authors Peter H. Calfee and J. Kevin Dolan argue that the survival of the American republic depends on our collective ability to return to foundational values— Critical Thinking, Education, Religion/Faith/Values, History, Politics, and Economics.From the very first chapter, Hijacked drives home the premise that the American experiment is not immune to failure — unless its people actively think, question, and speak with clarity and conviction.In one of the book's foundational sections, Calfee and Dolan explore the erosion of public discourse and the consequences of abandoning Critical Thinking. They recount how great civilizations—from Ancient Rome to modern states—fell not due to external enemies but internal decay. Indoctrination, moral relativism, and the suppression of inquiry replaced reasoned dialogue and moral clarity.About the AuthorsJ. Kevin Dolan is a former airline pilot and Wharton MBA who co-founded a successful Registered Investment Advisory firm and played a key role in launching the Allied Pilots Federal Credit Union.Peter H. Calfee is a financial expert and retired CPA, CFP®, and CLU with leadership experience in regulatory, nonprofit, and academic settings. He holds degrees from Stanford University and the University of Chicago Booth School of Business. Together, they bring decades of real-world experience and principled leadership to this urgent call for national renewal.https://hijackedourrepublic.com/

For those moving to America, knowing what needs to happen before becoming a US tax resident can save you a lot of money. The opportunity can be enormous, but so can the tax mistakes. From foreign mutual funds that trigger punitive PFIC taxation, to offshore companies that become highly inefficient in the US, to pensions, trusts, and inheritances that create unexpected reporting obligations, many expats arrive without realising how quickly their existing financial setup can become problematic once they enter the US tax system.  Richard Taylor – dual UK/US citizen and Chartered Financial Planner – is joined by David Gershel – international tax attorney and Partner at Berkowitz, Trager & Trager LLC – to discuss why pre-immigration planning is one of the most overlooked but valuable parts of the moving process.  Drawing on real client examples, they explain how structures that work perfectly well abroad can become expensive liabilities in America, why California and other states can create tax problems beyond the federal system, and how failing to plan early can leave expats dealing with costly cleanup work years later.  In this episode of Expat Wealth, Richard and David discuss why foreign investments and pensions often create problems for new US residents, how offshore trusts and companies can trigger unintended tax consequences, what inheritance and reporting traps many expats miss, and why working with experienced US tax help and international wealth professionals before your move can save significant money and stress down the line.  –  Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.  https://planfirstwealth.com/  –  Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

What happens when a traditional financial planner realizes the old playbook no longer fits the future of wealth preservation? In this episode of The Registered Investment Advisor Podcast, host Seth Greene interviews Eric Runge, founder of Family Office Bitcoin, who breaks down his firm's approach to risk-managed Bitcoin exposure, including downside-protected ETF strategies, and explains why he draws a sharp line between Bitcoin and the broader crypto market.  Runge also touches on portfolio construction, family office dynamics, and the realities of building trust in institutional circles.    Key Takeaways: → When advisors offer the same portfolios and products, it becomes difficult to differentiate and demonstrate unique value to clients.   → Breaking away from traditional firms allows advisors to choose their own strategies, vendors, and direction.  → A distinction is made between Bitcoin and the broader crypto market, with Bitcoin seen as a unique asset due to its scarcity and structural properties.  → Using tools like downside-protected ETFs and risk signals allows advisors to participate in Bitcoin's upside while attempting to reduce volatility. → Institutional clients prioritize governance, trust, and long-term capital preservation, often evaluating the advisor as much as the strategy.   Eric Runge is the founder of Family Office Bitcoin, a Registered Investment Advisor serving family offices managing $50M+ in assets. He doesn't pitch crypto. He builds institutional-grade Bitcoin portfolios designed for the kind of long-term capital allocators who measure success in generations, not quarters.  Connect With Eric: Website:  https://familyofficebitcoin.com/ LinkedIn: https://www.linkedin.com/in/eric-runge-veritas/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement is often seen as a finish line, but in reality, the years surrounding it are where some of the most important decisions get made. In this episode, Larry Heller, CFP®, CDFA®, explains the concept of the retirement “danger zone”, the five years before and after retirement when financial, tax, and lifestyle decisions can have long-term consequences. Larry discusses: Why relocating for tax savings is not always as straightforward as it seems The hidden costs of moving, including healthcare, housing, and lifestyle changes How state-specific rules can impact taxes, estate planning, and retirement income The importance of residency rules and avoiding costly mistakes Real-life examples of retirees who experienced unexpected outcomes after relocating And more! Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/.