Podcasts about registered investment advisor

Things are going well. Revenue is growing. Opportunities are expanding. And yet, many business owners find themselves asking a new question: Now what? Success creates a different kind of complexity. Taxes become larger. Decisions carry more weight. Relationships evolve. And the systems that helped you build the business may not be the systems that support the next season. In this episode of Building Wealthy Habits, we discuss what happens when growth creates complexity and why simply "getting through it" may no longer be enough. From leadership and delegation to tax planning, succession, and building the right team around you, this conversation explores how successful entrepreneurs can move from survival mode to a more intentional vision for the future. Because growth is about more than building a business. It's about building a life. If you've built something real and you're wondering what comes next, this conversation is for you. #BusinessOwners #Entrepreneurship #BusinessGrowth #FinancialPlanning #Leadership #TaxPlanning 00:00 Your Business Is Growing. Now What? 03:25 Why every new season requires a new mindset 07:58 When success starts creating complexity 09:52 Questions successful business owners should ask 14:46 Moving beyond survival mode 19:53 Building the right team for the next season 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.

“A rising tide lifts all ships” means that when the overall stock market is moving higher, many individual stocks tend to rise along with it. But can the current technology-driven rally continue, or are investors becoming too dependent on a small group of major companies?In this episode, we discuss Kevin Warsh's first interest-rate decision as Federal Reserve chair and why we believe keeping rates unchanged was the right move. Warsh delivered a disciplined message, explaining that the Fed has a plan but does not want to make unnecessary projections about an uncertain future. His decision to move away from traditional forward guidance may be good for long-term investors who want markets to operate on economic fundamentals, but more difficult for short-term traders looking for clues about the Fed's next move. Warsh also announced expert task forces that will examine major issues facing the Fed, including communication, inflation measurement and the quality of economic data.We also discuss Hillary Clinton's surprising support for President Trump's Gaza plan, the difference between headline CPI and core CPI, what fiat currency actually is and whether the broader market can continue benefiting from the strength of technology stocks.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 stock market continues to push higher, but beneath the surface, investors are facing some increasingly difficult questions. Are markets becoming too concentrated? Are mega-cap technology companies becoming too dominant? And could a wave of blockbuster IPOs change investing forever?  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 latest developments shaping markets and investor sentiment.   From rising inflation and higher energy prices to the growing debate around interest rates, Richard and Brian explore why markets remain surprisingly resilient despite a backdrop of economic uncertainty and geopolitical instability.   The conversation also dives into what could become one of the biggest investing stories of the decade. With SpaceX, OpenAI, Anthropic and several major fintech companies reportedly preparing for public listings, Richard and Brian discuss what these IPOs could mean for passive investors, market concentration and the future of the S&P 500 essential financial advice for any expat wealth audience watching their portfolios.   They also examine whether today's markets are showing signs of a bubble, why retail investors have more influence than ever before, and how diversification can help investors navigate an increasingly concentrated market environment, the kind of perspective a seasoned international wealth advisor brings to cross border financial planning.  Finally, the episode explores a trend that directly impacts the Expat Wealth audience: the growing movement of Americans relocating overseas. Richard and Brian discuss the destinations attracting affluent Americans, the opportunities emerging across Europe and South America, and the cross border financial planning mistakes that can create costly problems later on, exactly why expat retirement planning and early advice for expats matters so much before you go.   Whether you're concerned about inflation, curious about the next generation of IPOs, or planning your own move abroad, this episode offers practical insights into the forces shaping both markets and global mobility, with an expat wealth advisor's lens throughout.  --  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 expat 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.    ABOUT RICHARD:  Richard Taylor is a British expat, dual citizen (UK & US). Originally from Bolton, he now lives in Greenwich, CT, where Plan First Wealth has its head office.  As the firm's leader, Richard launched Taylor & Taylor, now Plan First Wealth, and continues to fuel the firm's growth. Richard is a Chartered Financial Planner (UK – CII) in addition to holding the IMC (CFA UK) and Series 65 (US – FINRA).  Connect with Richard on LinkedIn 

You worked for decades to build your wealth. But what happens when it's time to stop saving and start using it? Matt Landon, CFP®, and CEO of Semmax Financial Group, and Larry VanLandingham, CFP®, walk through the shift from accumulation to distribution, covering income planning, tax strategy, and the mindset changes most people are not fully prepared for. If you are within five years of retirement or already there, this conversation will help you understand where to start, what to watch for, and how to build a plan that gives you real confidence no matter what the markets are doing.   Key Takeaways: Getting to retirement and getting through it are two very different challenges. The shift from saving to spending is harder than most people expect, and it requires a real plan. Taxes are likely your single largest expense in retirement, and the order you draw from accounts matters. Stress-testing your plan against real historical events gives more durable confidence than any headline can shake. You cannot control market noise or political headlines, but you can control whether you have a plan. If you are handing your advisor statements instead of a strategy, you do not have a plan yet.   Chapters: 0:00 Introduction 0:20 Are You On Track? Defining What That Actually Means 2:09 The Mindset Shift from Saving to Spending 6:19 Building an Income Plan for Retirement 8:57 Tax Strategy and the Sequence of Distributions 17:18 Where to Start 18:31 Stress-Testing Your Plan Against Real Market Events 23:16 Tuning Out the Noise  

When what has been described as a “historic IPO” like SpaceX hits the market, the sheer volume of institutional and retail demand can influence short-term market dynamics. But as more everyday investors rely heavily on ETFs and mutual funds instead of individual stock transactions, how does that shift impact long-term market volatility? In this episode of The Market Moment, the guys break down the mechanics behind Elon Musk's unique approach to the SpaceX rollout, the realities of institutional vs. retail allocations, and a fascinating listener question about the future of funds. They explore how technology and algorithmic trading trigger short-term market swings, why niche ETFs are exploding, and how tools like direct indexing are quietly helping investors transition back to custom, individual stock strategies. They also dive into the shifting economic landscape for the second half of the year, tracking a reported ~30% drop in oil prices, the local economic ripple effects of the World Cup in North America, and what to expect from the Federal Reserve's upcoming meeting under its new leadership. As discussed in the episode, market events such as IPOs and thematic investing strategies can involve significant uncertainty and short-term volatility. Topics Discussed: ➡️ The SpaceX Playbook: Breaking down the unique $135/share pricing, high retail allocations, and how the market reacted post-IPO. ➡️ The “Exodus” to Funds: How the massive shift from individual stocks to ETFs and mutual funds is altering trading dynamics. ➡️ The Tech & Volatility Link: Why modern algorithmic triggers and massive block fund trades create heightened short-term price swings. ➡️ Custom Portfolios & Direct Indexing: How emerging technology allows investors to capture the tax advantages of holding individual names without relying on traditional funds. ➡️ Global Economic Drivers: Navigating the deflationary impacts of falling oil prices and what the Fed's next move means for fixed income. Enjoyed the episode? Don't forget to:

In this third episode of our season-long exploration of Quakers and Money, Peterson Toscano and Diana Yañez turn toward one of the largest and most difficult questions of the series: How do Friends live with integrity inside capitalism? Last month, we explored relational finance and asked whether taking responsibility for our money and institutional assets can lead to deeper integrity and more equitable power-sharing. This month, Peterson names the friction many Friends feel: the sense of being trapped in a massive economic system built on extraction, inequity, colonialism, and environmental harm. Through conversations with Lisa Graustein, Nathan Kleban, David Watt, and Traci Hjelt Sullivan, this episode examines the spiritual dissonance between Quaker values and capitalist structures. We hear about stolen land, inherited wealth, paternalism in charitable giving, the legacy of slavery in Quaker history, and the denial made possible by class and racial privilege. Rather than offering easy answers, Peterson and Diana ask what it means to stay on a journey with truth. If capitalism harms people and the planet, how might Friends move beyond individual purity or denial and toward mutual aid, community wealth-building, repair, and solidarity? In This Episode The Dissonance: Peterson reflects on the gap between Quaker faith and a global economy built on extraction and inequity. Capitalism and White Supremacy: Lisa Graustein names capitalism and white supremacy as forces that keep the here and now from becoming the realm of God. Stolen Land and Reparative Responsibility: Lisa shares the story of New England Yearly Meeting selling property after repudiating the Doctrine of Discovery and raises questions about what should happen to profits from land acquired through colonization. From Charity to Right Relationship: Nathan Kleban of Right Sharing of World Resources challenges paternalistic models of giving and asks who the economy is actually for. Quaker Wealth and Enslavement: David Watt, professor of Quaker studies at Haverford College, reminds us that some early Quaker wealth in Philadelphia was tied to Barbados, sugar plantations, and the labor of enslaved people. The Wealth of Not Having Debt: Traci Hjelt Sullivan expands the definition of ancestral wealth, naming the opportunities that come from beginning adult life without student debt. The Inner Capitalist: Diana reminds us that the Quaker belief in “that of God in everyone” also extends to capitalists, and to the parts of ourselves that continue to benefit from extractive systems. Our Guests Lisa Graustein Lisa Graustein is a Quaker educator, activist, and writer whose work often explores money, power, race, and reparative justice. In this episode, she reflects on inherited wealth, stewardship, and the responsibility to repair harm caused through the accumulation of resources. Nathan Kleban Nathan Kleban works with Right Sharing of World Resources, a Quaker organization that supports women-led economic projects in the Global South. Nathan brings a relational and community-centered lens to economics, asking how people get their needs met and how communities express their gifts outside extractive systems. David Watt David Watt is the Douglas and Dorothy Steere Professor of Quaker Studies at Haverford College. In this episode, he offers historical context about Quaker wealth, including the connections between early Philadelphia Friends, Barbados, sugar plantations, and slavery. Traci Hjelt Sullivan Traci Hjelt Sullivan is the executive director of Right Sharing of World Resources. She brings decades of nonprofit leadership and international experience to her work. In this episode, she reflects on truth, denial, race, class, debt, and the spiritual work of recognizing our own responsibility. Resources and Recommendations QuakerSpeak: “What If Wall Street Were Honest?” https://quakerspeak.com/video/what-if-wall-street-were-honest/ North Carolina Quaker Mark Hulbert has tracked investment advisors since the early 1980s. In this QuakerSpeak video, he talks about how his Quaker background and commitment to integrity led him to ask whether Wall Street advisors were telling the truth. Spent https://playspent.org/ Diana recommends Spent, a free browser-based survival game that places players inside the poverty trap. You begin with $1,000 and try to survive for 30 days while making impossible choices: pay rent, fix the car, buy medicine, or keep the lights on. It offers one way to better understand how expensive it can be to be poor in the current economic system. Caliban and the Witch by Silvia Federici https://pmpress.org/index.php?l=product_detail&p=1575 Diana references Federici's work while discussing the relationship between capitalism, labor control, gendered violence, and colonialism. The Dawn of Everything by David Graeber and David Wengrow https://us.macmillan.com/books/9780374157357/thedawnofeverything/ Diana also points to this book while reflecting on European colonialism, the construction of human hierarchy, and the ideas that shaped the modern world. Organizations Mentioned Right Sharing of World Resources: https://rswr.org/ A Quaker organization that supports women's self-help groups in the Global South through seed grants and relationship-based partnerships. Earth Quaker Action Team: https://eqat.org/ A grassroots Quaker organization that uses nonviolent direct action to challenge systems of economic and environmental injustice. New England Yearly Meeting: https://neym.org/ A regional body of the Religious Society of Friends is mentioned in Lisa Graustein's story about land, reparative responsibility, and the Doctrine of Discovery. Haverford College / David Harrington Watt: https://www.haverford.edu/users/dhwatt David Watt teaches Quaker studies at Haverford College and appears in this episode to discuss Quaker history, wealth, slavery, and capitalism. Listener Voicemails Thank you to John Choe for sharing his reflections and concerns about Quakers, financial discernment, and the role of institutions like Friends Fiduciary. Thank you also to Richard Tindall for his faithful reminder to drink a glass of water first thing in the morning. As summer begins in the Northern Hemisphere, it is a timely invitation to stay hydrated and care for our bodies. Question for Listeners How do you navigate the tension between Quaker values and capitalism? Where do you feel dissonance between your financial life and your spiritual commitments? Share your thoughts: · Voicemail: Call 317-QUAKERS, 317-782-5377 · Email: podcast@friendsjournal.org · Social Media: Respond to us on Facebook, Instagram, or TikTok Sponsors Friends Fiduciary https://friendsfiduciary.org/ Friends Fiduciary unites Quaker values with expert investing. They serve Friends meetings, churches, schools, and organizations through ethical portfolios, shareholder advocacy, and a commitment to justice and sustainability. American Friends Service Committee https://afsc.org/ The American Friends Service Committee is a Quaker organization working with communities worldwide to challenge injustice, meet urgent community needs, and build conditions for lasting peace. AFSC and the Vanguard S.O.S. / Never Vanguard campaign AFSC announcement: https://afsc.org/newsroom/afsc-joins-vanguard-sos-campaign-fossil-fuel-divestment Never Vanguard pledge: https://eqat.org/never-vanguard/ AFSC has joined with Earth Quaker Action Team in the Vanguard S.O.S. campaign, asking Friends to boycott and divest from Vanguard until it stops funding fossil fuel projects and takes climate justice into account. Disclaimers Quakers Today is a project of Friends Publishing Corporation. This season is sponsored by Friends Fiduciary and the American Friends Service Committee. This podcast is for informational and educational purposes only and does not constitute investment, legal, or tax advice. Listening does not create an advisory relationship. Friends Fiduciary is a sponsor of this podcast. Sponsorship does not constitute an endorsement, and Quakers Today does not receive compensation based on listener investment decisions. 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 the Natural Investments Disclosures and Disclaimers and Form CRS: https://naturalinvestments.com/disclosures-disclaimers/

The Tom Dupree Show  |  Podcast Show Notes The Nike Cautionary Tale: What Happens When Leadership Loses Touch With Its Customers The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400 Episode Description Nike spent decades building one of the most recognized brands on the planet — the Swoosh, the Air Jordan, high-heat basketball shoes that consumers lined up for, and a presence in every major sporting goods retailer in the world. Then, in 2020, the company handed its future to a CEO who believed physical retail was a dying model, and what followed became a study in how quickly a great company can lose its way. Tom Dupree and analyst Michael Dawahare walk through the full arc of Nike’s rise and decline — from its origins in performance athletics to a stock that traded at $180 and has since fallen to around $44. They examine the strategic decisions that caused the damage, the board failures that let it compound, and what retirement investors can take directly from the story. “You cannot put your own lenses on the lenses of your customer — you have to ask how they see the world, not how you see it.” Topics Covered • How Nike’s origins in performance athletics shaped the brand — and why that foundation was eventually abandoned • The 2020 appointment of CEO John Donahoe and the pivot toward a direct-to-consumer distribution model • Why walking away from wholesale partners like Foot Locker and specialty running stores was a catastrophic miscalculation • How competitors — HOKA, On Cloud, New Balance, ASICS, and Brooks — filled the shelf space Nike gave away • The role of groupthink and board failure in allowing the strategy to continue long after warning signs appeared • The Jordan Brand challenge: what happens when a generational endorsement ages out with no succession plan • Nike’s attempted course correction, the arrival of new CEO Elliott Hill, and why recovery is proving harder than expected • The parallel between Nike’s story and retirement portfolio management: proven strategy, fundamentals, and the danger of chasing new models Key Takeaways • Know what your portfolio is actually built on. The moment Nike shifted focus from technical performance products, competitors filled the gap. The same risk applies when an investment strategy drifts from its core principles. • Never surrender your shelf space. Giving up distribution — or abandoning a proven income strategy during volatility — is almost impossible to reverse. Re-entry is rarely seamless. • Leadership bias is one of the most expensive mistakes in business. Donahoe was an outstanding digital executive who ran a physical consumer company through a digital lens. Bias in a CEO — or a portfolio manager — costs real money. • Boards exist to prevent catastrophic decisions. Most don’t. Nike’s board approved a strategy that effectively fired its wholesale customer base. Institutional oversight is only as good as the willingness to ask uncomfortable questions. • Consumer loyalty, once transferred, is remarkably sticky. Runners who switched to HOKA or On Cloud did not come back. When a customer finds something they prefer, you may have lost them for good. • Recovery takes far longer than the damage itself. Nearly two years into Elliott Hill’s tenure, Nike still cannot get traction. A few years of bad decisions can take a decade to undo — in business and in retirement portfolios. • Proven strategies deserve skepticism about replacement, not abandonment. When a new model sounds compelling, always ask: What is the process? Has it been tested? And who benefits when you believe in it? 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 on the same principles Nike abandoned — proven strategy, staying close to what works, and never losing sight of the fundamentals — 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 this podcast is for educational purposes only and should not be construed as personalized investment advice. Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal. Please consult a qualified financial professional before making investment decisions. The post Nike’s Fall: Leadership Lessons for Retirement Investors appeared first on Dupree Financial.

Where Did My Returns Go? The Cost of Mutual Funds and Annuities The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Time Stamps 00:00 Keep Truckin Intro 01:31 Show Opens Fees 03:22 Mutual Fund Basics 05:46 Share Classes Loads 07:14 Portfolio Fee Transparency 10:05 Tax Drag Distributions 14:01 Constraints Versus Drift 16:29 Managed Accounts Example 21:16 Break Segment Promo 22:05 Inflation Market Pinch 26:09 Mutual Fund Fee Reality 26:38 Annuities Insurance Wrapper 27:27 Index Annuity Caps 30:20 Fixed Annuity Tradeoffs 32:27 Immediate Annuity Inflation 37:32 Commissions And Incentives 40:29 Counterparty Risk Warning 44:30 Final Portfolio Checkup Most investors look at their mutual fund statement, see a return number, and assume that’s the whole story. It isn’t. Fees are deducted before that return ever reaches your statement, which means you could be paying anywhere from a fraction of a percent to well over 1.5% a year without it ever showing up as a line item. In this episode, Tom Dupree and Mike Johnson explain exactly how those costs are built into your returns — and why two people holding what looks like the “same” mutual fund can actually be paying very different amounts. The conversation also digs into a real-world example involving a major fund family, where a change to share class minimums forced a wave of investors to realize years of embedded capital gains — and a hefty tax bill — all at once. From there, Tom and Mike shift to annuities, breaking down how index annuities, fixed annuities, and immediate annuities are each priced, where the commissions come from, and why the financial strength of the insurance company behind the contract matters just as much as the product itself. Whether you’re holding mutual funds inside a 401(k), an IRA, or a taxable account — or you’ve been pitched an annuity recently — this episode gives you the questions to ask before you invest another dollar. “If you don’t know what you own in your portfolio — and why — that’s the first thing worth fixing.” Topics Covered How mutual fund fees get absorbed into your net return instead of appearing as a separate line item The difference between A shares, C shares, and institutional share classes — and why the same fund can cost twice as much depending on which one you hold What a 12b-1 fee is and who actually receives it Why actively managed funds tend to carry higher expense ratios than index funds How capital gains distributions can create a tax bill on gains you never benefited from A real example of how a fund family’s share class changes forced unexpected tax consequences on shareholders Portfolio constraints versus portfolio drift, and why both can work against you Index annuities, fixed annuities, and immediate annuities — how each is structured and where the cost is hidden Why surrender charges exist and how they relate to commissions Counterparty risk: why the insurance company’s own investments matter to your guarantee Key Takeaways Your net return already has the fee built in. Mutual fund statements show what’s left after fees are deducted — not a separate fee line — so two investors holding what looks like the same fund can actually be paying very different amounts depending on share class. Share class matters more than most investors realize. One example discussed in the episode showed a global fund charging roughly 0.8% on its A shares versus 1.8% on its C shares — more than double, for the same underlying portfolio. Tax inefficiency can be just as costly as the stated fee. Because mutual funds are pooled investments, other shareholders’ buying and selling can trigger capital gains distributions you owe taxes on — even if you never participated in those gains. A fund’s holdings can drift far from what you originally bought. Without firm constraints, a manager’s strategy can shift significantly over a few years, leaving you holding something very different from what your original research showed. Annuities are mutual funds wrapped inside an insurance contract — and you pay for both layers. Whether it’s an index annuity’s capped participation rate or a variable annuity’s rider fees, the cost is built into the structure even when it isn’t itemized. Surrender charges exist largely to recoup the seller’s commission. Annuity commissions can run as high as 6–8%, and the multi-year surrender schedule helps the insurance company recover that cost if you withdraw early. The insurance company’s financial strength is part of what you’re buying. An annuity’s guarantee is only as good as the company behind it — and recent industry reporting has noted that some insurers are taking on more investment risk, including exposure to private credit, than before the 2008 financial crisis. Transparency is something you’re entitled to ask for. Whether it’s a mutual fund, an annuity, or a managed account, you have the right to know exactly what you own, what it costs, and where your income is coming from. 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 the funds or annuities in your portfolio are quietly costing you more than you realize, 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 Registered Investment Advisor. The information presented in this podcast is for informational and educational purposes only and should not be considered a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Investing involves risk, including possible loss of principal. Please consult with a qualified professional before making any financial decisions.The post Hidden Fees in Mutual Funds & Annuities | The Tom Dupree Show appeared first on Dupree Financial.

Money is one of the most important conversations in a relationship. It's also one of the most avoided. In this episode of Building Wealthy Habits, Jeremiah and Laura share a candid look at how they handle financial conversations in their own marriage. As financial planners, business owners, parents, and spouses, they've learned that money discussions are rarely just about budgets and bank accounts. They're often about security, trust, priorities, and the future you're trying to build together. Many couples avoid talking about money because they don't want conflict. Others assume they're already on the same page. But as life becomes more complex, avoiding these conversations can create stress, misunderstandings, and missed opportunities. Jeremiah and Laura discuss the questions every couple should be asking, common communication mistakes, practical tools for creating financial clarity, and how alignment around money can strengthen both your finances and your relationship. If you've ever wondered whether you're having the right financial conversations with your partner, this episode is for you. #BuildingWealthyHabits #CouplesAndMoney #FinancialPlanning #MarriageAndMoney #FinancialCommunication #MoneyMindset #TriCordAdvisors 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.

There is no golden goose when it comes to affiliation models in the wealth management industry.Wirehouses, independent broker-dealers, RIAs all have pros and cons.Anyone who suggests otherwise is either ill-informed or being disingenuous.So when considering pathways for your advisory practice, it's important to understand how those pros and cons compare.In this episode (#150) of the Transition To RIA question & answer series, I explain the pros and cons of 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/what-are-the-pros-and-cons-of-the-ria-model/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.

More Americans are leaving the United States than at any point in recent memory, and Portugal has become one of the most searched destinations. But what's driving the move, and what happens once you get there?   Richard Taylor is joined by John McNertney, Founder of Green Ocean Global Advisors, to unpack the realities of relocating from the US to Portugal. John has lived the journey himself. After moving from San Francisco to Lisbon during the pandemic, he now helps American expats, retirees, and internationally minded families navigate cross-border financial planning, US expat taxes, residency options, and long-term wealth management while living abroad.   Together, Richard and John explore why Portugal has become such a hotspot for Americans, what's changed politically and financially in recent years, and why so many expats are now thinking seriously about building a life and a financial foundation outside the United States.   The conversation gets into the practical detail that most people miss before they move: the difference between the Portugal Golden Visa and the D7 visa, the financial traps Americans fall into with PFICs, trusts, IRAs, and cross-border investment structures, and why proper planning before the move can save years of stress and significant money later on.   Richard and John also explore the emotional reality of expat life, including integration, language learning, culture shock, and why living abroad fundamentally changes the way people think about money, opportunity, and freedom.   Whether you're seriously considering a move to Portugal, researching second residency options, or simply curious why so many Americans are looking overseas right now, this episode offers a grounded and honest look at the opportunities and challenges of modern expat life. --  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.   ABOUT RICHARD: Richard Taylor is a British expat, dual citizen (UK & US). Originally from Bolton, he now lives in Greenwich, CT, where Plan First Wealth has its head office. As the firm's leader, Richard launched Taylor & Taylor, now Plan First Wealth, and continues to fuel the firm's growth. Richard is a Chartered Financial Planner (UK – CII) in addition to holding the IMC (CFA UK) and Series 65 (US – FINRA). Connect with Richard on LinkedIn

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 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 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 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.

Markets continue pushing higher, AI stocks are still surging, and now SpaceX is preparing for what could become one of the biggest IPOs in history. But beneath the surface, Richard and James unpack why some of today's biggest market stories may be creating risks passive investors aren't paying enough attention to.  In this episode of From the Trenches, Richard Taylor and James Boyle break down the growing concerns around index inclusion rules, passive investing, and why companies like SpaceX could fundamentally reshape how retail investors interact with the market. They also discuss rising oil prices, inflation pressure, interest rates, and whether America's global dominance is beginning to shift.  The conversation then turns to one of the biggest issues currently facing British expats in America: UK pensions. Richard and James explain what a SIPP actually is, why so many expats leave old pensions untouched for decades, and the hidden costs, tax complications, and missed opportunities that can follow. They also unpack the upcoming UK inheritance tax changes on pensions and why these rules could dramatically change retirement planning for UK nationals living in the US.  Finally, the episode explores the fascinating “Pig in the Python” demographic theory and why baby boomers may be unintentionally reshaping housing markets, politics, retirement systems, and economic growth for younger generations.    --    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. 

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

A misconception about the RIA model is that certain investment solutions such as variable annuities and alternatives (alts), are unavailable for client use.That is incorrect.Regarding variable annuities, you can generally continue using new products going forward while also accommodating your existing legacy positions.It's a matter of understanding how the options work, the logistics involved, and which solution providers to use.In this episode (#149) of the Transition To RIA question & answer series, I explain how you can use variable annuities 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-use-variable-annuities-in-the-ria-model/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.

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.

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.

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

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.

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/