Podcasts about senior investment advisor

Most people think about taxes once a year. Smart investors think about them every year. Richard Rosso & Sarah Buenger break down the critical difference between tax preparation and true tax planning, and why that distinction could be worth thousands of dollars to your portfolio over time. We'll walk through real-world anonymous case studies from our client work, including how we helped one client sell nearly half of a concentrated stock position while staying entirely within the 0% capital gains bracket. We also cover Roth conversion timing, IRMAA bracket management, tax-efficient withdrawal sequencing, portfolio migration strategies, and proactive planning for stock options and restricted stock. Whether you are accumulating wealth or drawing it down, understanding how these levers work together is what separates a good financial plan from a great one. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Gilligan's Island & Taxes 2:27 - Market Commentary & Sentiment Survey 3:11 - The Fine Line Between Tax Prep vs Tax Planning 8:35 - Impact of OBBB & Rothification 10:17 - Avoid Tax Myopia 12:07 - Dealing with the Tax Torpedo 12:31 - Being Tax Flexible 14:11 - Your Tax Return is a Diagnostic Tool 17:16 - Widowed Survivors Paying Higher Taxes - Taxes are Barnacles 20:13 - The Tax System is Broken 23:07 - Stock Concentrations & Long Term Gains 25:13 - Trust Distributions & Capital Gains 26:40 Tax Brackets for Trusts 28:01 - Myriad Capital Gains Tax Rates 34:06 - Becoming IRMAA-centric 36:46 - Asset Location Strategies for Taxes 38:38 - The Mistake of "Silo-ing" Tax Advisors and Financial Advisors 41:15 - Why Avoid Gains to Avoid Taxes?? 42:58 - Why Not Take Losses Each Year? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IvotNMC_fgk ------- Watch our previous show, "Will The Fed Backstop Exuberance Again?," https://youtube.com/live/IbKkqWayKu8 ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Markets Flail as Rate Cut Hopes Fail" is here: https://youtu.be/IOumOUnLKpM ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TaxPlanning #WealthManagement #RetirementStrategy #CapitalGains #RothConversion

Lance Roberts & Danny Ratliff break down today's most pressing market and personal finance topics: selling pressure signals, credit spreads as a leading risk indicator, why chasing S&P 6,900 could cost you, and a private credit teaser. They evaluate REITs and AG&C valuations, profit-taking discipline, oil prices and airline costs, and which companies are most likely to mishandle AI. On the retirement side: reverse mortgages, annuities with LTC riders, private equity in 401(k)s, and how target date funds fit a broader strategy. They also cover GDP methodology, asset tokenization, stablecoins, stock hedging techniques, William Bernstein's quit-playing philosophy, active vs. passive investing, and Charlie Munger's three high-quality stock picks. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Selling Pressure Remains 2:57 - Pay Attention to Credit Spreads 5:21 - Don't Wait for 6,900 11:46 - Private Credit Teaser 13:07 - Thoughts on REIT's & AG&C: Is it Time to Buy? 15:12 - What is Your Method for Taking Profits? 19:15 - The Price of Oil & Airline Tickets 22:49 - Which Companies Will Screw Up AI Implementation? 26:42 - Home Equity Conversions - Reverse Mortgages 29:59 - Annuities w LTC Riders 31:29 - How is GDP Calculated? 32:40 - Asset Tokenization & StableCoin 34:36 - Isolating Stocks by Hedging 35:35 - William Bernstein - Quit Playing 38:52 - Active vs Passive Investing & Risk Management 42:42 - Charlie Munger's 3 High-quality Stocks 46:28 - Are Target Date Funds a Good Option? 47:17 - Private Equity Offerings in 401k? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Le3ZhnFfTqk ------- Watch our previous show, "Fixing Your Broken Emergency Fund," https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Rebalance Now Before the Rally Fades" is here: https://youtu.be/yAmYkDUWWW4 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy #InvestingStrategy #RetirementPlanning #MarketOutlook #PersonalFinance #WealthManagement

Lance Roberts & Danny Ratliff break down the most pressing financial topics shaping markets and personal finance decisions right now. We open with an analysis of current selling pressure and what it signals for equity markets, then dive deep into why credit spreads deserve your attention as a leading indicator of risk. We make the case for why waiting for S&P 6,900 could cost you opportunity, and offer a teaser on the growing private credit space. From there, we tackle real estate investment trusts and AG&C — examining whether current valuations finally make them worth buying. We discuss disciplined profit-taking strategies, the relationship between oil prices and airline ticket costs, and identify which companies are most likely to mishandle AI implementation and what that means for investors. On the retirement and income planning side, we cover home equity conversion mortgages and reverse mortgages, annuities with long-term care riders, and whether private equity offerings inside 401(k) plans make sense for individual investors. We also examine target date funds and how they fit into a broader retirement strategy. We round out the episode with a discussion of GDP calculation methodology, asset tokenization and stablecoins, hedging techniques for isolating individual stock exposure, and key lessons from William Bernstein's philosophy on knowing when to stop taking risk. We close with a framework for balancing active versus passive investing, risk management principles, and a look at the three high-quality stocks Charlie Munger consistently championed. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Selling Pressure Remains 2:57 - Pay Attention to Credit Spreads 5:21 - Don't Wait for 6,900 11:46 - Private Credit Teaser 13:07 - Thoughts on REIT's & AG&C: Is it Time to Buy? 15:12 - What is Your Method for Taking Profits? 19:15 - The Price of Oil & Airline Tickets 22:49 - Which Companies Will Screw Up AI Implementation? 26:42 - Home Equity Conversions - Reverse Mortgages 29:59 - Annuities w LTC Riders 31:29 - How is GDP Calculated? 32:40 - Asset Tokenization & StableCoin 34:36 - Isolating Stocks by Hedging 35:35 - William Bernstein - Quit Playing 38:52 - Active vs Passive Investing & Risk Management 42:42 - Charlie Munger's 3 High-quality Stocks 46:28 - Are Target Date Funds a Good Option? 47:17 - Private Equity Offerings in 401k? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "Fixing Your Broken Emergency Fund," https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Rebalance Now Before the Rally Fades" is here: https://youtu.be/yAmYkDUWWW4 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy #InvestingStrategy #RetirementPlanning #MarketOutlook #PersonalFinance #WealthManagement

Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Q4 GDP Weaker Than Expected: Implications 5:38 - Markets Bounce off 200-DMA 11:04 - Achieving Financial Independence - How You Know You've Made It 14:46 - Retirement Accounts' Intended Use vs New Rules 17:37 - 401k Plan Access vs Participation 20:39 - The High Cost of Eating Out 22:41 - Comparative High Costs of Hamburgers 24:26 - Market Moves - Price of Admission 26:15 - Creating Financial Cushions & Structuring Savings 30:21 - T-Bills & Bonds in the Savings Mix 34:10 - Volatility is Not Your Friend in Emergency Accounts 36:04 - Rice & Beans to Get Rid of Debt 37:58 - Channeling Dave Ramsey 42:00 - The Process of Getting Out of Debt 45:05 - Getting Fee'd to Death 48:27 - E-Book Tease - Ten Laws of Wealth & Money ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Watch our previous show, "Oil Shock - Markets Reprice Risk," https://youtube.com/live/pU0TuFA1CWE ------- Articles Mentioned in Today's Show: "Treasury Bond Yields Don't Lie: But Wars Don't Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ "Financial Nihilism & The Trap Young Investors Are Walking Into" https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/ -------- The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here: https://youtu.be/9wZsz-bOiUY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy #PersonalFinance #RetirementPlanning #401k #EmergencyFund #FinancialResilience #DaveRamsey #FinancialNihilism

Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Q4 GDP Weaker Than Expected: Implications 5:38 - Markets Bounce off 200-DMA 11:04 - Achieving Financial Independence - How You Know You've Made It 14:46 - Retirement Accounts' Intended Use vs New Rules 17:37 - 401k Plan Access vs Participation 20:39 - The High Cost of Eating Out 22:41 - Comparative High Costs of Hamburgers 24:26 - Market Moves - Price of Admission 26:15 - Creating Financial Cushions & Structuring Savings 30:21 - T-Bills & Bonds in the Savings Mix 34:10 - Volatility is Not Your Friend in Emergency Accounts 36:04 - Rice & Beans to Get Rid of Debt 37:58 - Channeling Dave Ramsey 42:00 - The Process of Getting Out of Debt 45:05 - Getting Fee'd to Death 48:27 - E-Book Tease - Ten Laws of Wealth & Money ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Watch our previous show, "Oil Shock - Markets Reprice Risk," https://youtube.com/live/pU0TuFA1CWE ------- Articles Mentioned in Today's Show: "Treasury Bond Yields Don't Lie: But Wars Don't Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ "Financial Nihilism & The Trap Young Investors Are Walking Into" https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/ -------- The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here: https://youtu.be/9wZsz-bOiUY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy #PersonalFinance #RetirementPlanning #401k #EmergencyFund #FinancialResilience #DaveRamsey #FinancialNihilism

Retirement income planning isn't just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/0J1dQZvIQrQ ------- Watch our previous show, "The “Value Rotation” Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology

Retirement income planning isn't just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/0J1dQZvIQrQ ------- Watch our previous show, "The "Value Rotation" Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology

Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for healthcare inflation, and the role of life insurance and umbrella coverage in protecting assets. We examine the recent value rotation narrative in markets and preview the upcoming CPI report and its potential implications for inflation and interest rates. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Introducing Devoda Owens, CFP 4:55 - Market Commentary - Iran Campaign 8:42 - Social Security Depletion & Comparing Benchmarks 14:08 - When to Take SS? 19:53 - Estate Planning and Re-marriage 27:56 - Value Rotation Illusion 31:13 - Insurance Planning & Long Term Care 37:48 - Planning for Healthcare Inflation 41:57 - Life Insurance & Umbrella Coverage 46:17 - CPI Preview ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/B2diF0UUrjs ------- Watch our previous show, "The Benefits Talk Every Business Owner Needs," here: https://youtube.com/live/p6Fp1bhtsDE ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #SocialSecurity #RetirementPlanning #MarketOutlook #InvestmentStrategy

Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for healthcare inflation, and the role of life insurance and umbrella coverage in protecting assets. We examine the recent value rotation narrative in markets and preview the upcoming CPI report and its potential implications for inflation and interest rates. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Introducing Devoda Owens, CFP 4:55 - Market Commentary - Iran Campaign 8:42 - Social Security Depletion & Comparing Benchmarks 14:08 - When to Take SS? 19:53 - Estate Planning and Re-marriage 27:56 - Value Rotation Illusion 31:13 - Insurance Planning & Long Term Care 37:48 - Planning for Healthcare Inflation 41:57 - Life Insurance & Umbrella Coverage 46:17 - CPI Preview ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/B2diF0UUrjs ------- Watch our previous show, "The Benefits Talk Every Business Owner Needs," here: https://youtube.com/live/p6Fp1bhtsDE ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #SocialSecurity #RetirementPlanning #MarketOutlook #InvestmentStrategy

Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer

Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer

Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - Iran Air Force & War Impact on Oil 5:21 - This is a Good Time to Wait and See 10:51 - Two Moms on Money? 11:44 - Where will DXY go amid current conflict? 13:03 - Managing Risk in Chinese Tech Stocks 17:58 - Relative Risks of AAA-rated CLO's 20:54 - "Dumbing-down" the Private Credit Crisis 30:56 - Lasting Impacts on Commercial Real Estate 33:24 - Why the Downturn in Asian Markets? 34:27 - Financial Health of Open AI & Circular Financing 36:35 - Equity Income/Tax-advantaged ETF's 40:59 - Systematic Trading, Trend Following, & Tax Efficiencies 43:09 - Plunge Protection Team = Retail Traders 44:35 - Coming Attractions ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/uFdhcR6QBKI ------- Watch our previous show, "Ten Immutable Laws of Money," here: https://youtube.com/live/Il8UfCCn0tE?feature=share -------- The latest installment of our new feature, Before the Bell, "D100-DMA: Hold or Fold? What Happens Today Changes Everything," is here: https://youtu.be/c7jD-q6_mY8 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook #StockMarket #InvestingTips #MarketOutlook #StockMarketToday #InvestSmart

Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - Iran Air Force & War Impact on Oil 5:21 - This is a Good Time to Wait and See 10:51 - Two Moms on Money? 11:44 - Where will DXY go amid current conflict? 13:03 - Managing Risk in Chinese Tech Stocks 17:58 - Relative Risks of AAA-rated CLO's 20:54 - "Dumbing-down" the Private Credit Crisis 30:56 - Lasting Impacts on Commercial Real Estate 33:24 - Why the Downturn in Asian Markets? 34:27 - Financial Health of Open AI & Circular Financing 36:35 - Equity Income/Tax-advantaged ETF's 40:59 - Systematic Trading, Trend Following, & Tax Efficiencies 43:09 - Plunge Protection Team = Retail Traders 44:35 - Coming Attractions ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/uFdhcR6QBKI ------- Watch our previous show, "Ten Immutable Laws of Money," here: https://youtube.com/live/Il8UfCCn0tE?feature=share -------- The latest installment of our new feature, Before the Bell, "D100-DMA: Hold or Fold? What Happens Today Changes Everything," is here: https://youtu.be/c7jD-q6_mY8 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook #StockMarket #InvestingTips #MarketOutlook #StockMarketToday #InvestSmart

Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial success. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:04 - What Else is Going On Besides Iran? 10:11 - VIX is Rising as Markets Fall 14:38 - Spring Break & Adulting 15:23 - The Laws of Money 18:28 - Hard to Break Habits 19:46 - The Secret to Wealth 22:00 - Why We Invest 23:14 - Money Doesn't Grow on Trees 28:39 - Wants vs Needs 31:27 - Your life is Worth 80% 35:30 - Poor People are Debtors (You DO NOT need a Credit Card) 40:50 - Moral & Physical Hazards 43:15 - The Best Things in Life ARE Free 46:49 - Money Can't Buy Happiness... 53:22 - The Thing About Girl Scout Cookies ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Il8UfCCn0tE?feature=share ------- Watch our previous show, "Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore," here: https://youtube.com/live/m3M6saceH5g?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Surges, Markets Fall" is here: https://youtu.be/5Z7fb273clY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketVolatility #DollarRally #TradingStrategy #PersonalFinance #WealthBuilding #MoneyTips #DebtFreeJourney #FinancialFreedom

Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial success. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:04 - What Else is Going On Besides Iran? 10:11 - VIX is Rising as Markets Fall 14:38 - Spring Break & Adulting 15:23 - The Laws of Money 18:28 - Hard to Break Habits 19:46 - The Secret to Wealth 22:00 - Why We Invest 23:14 - Money Doesn't Grow on Trees 28:39 - Wants vs Needs 31:27 - Your life is Worth 80% 35:30 - Poor People are Debtors (You DO NOT need a Credit Card) 40:50 - Moral & Physical Hazards 43:15 - The Best Things in Life ARE Free 46:49 - Money Can't Buy Happiness... 53:22 - The Thing About Girl Scout Cookies ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Il8UfCCn0tE?feature=share ------- Watch our previous show, "Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore," here: https://youtube.com/live/m3M6saceH5g?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Surges, Markets Fall" is here: https://youtu.be/5Z7fb273clY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketVolatility #DollarRally #TradingStrategy #PersonalFinance #WealthBuilding #MoneyTips #DebtFreeJourney #FinancialFreedom

Is AI killing software stocks — or creating the buying opportunity of the decade? Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:49 - National Chili Day & Demise of Whataburger 3:04 - Nvidia & SalesForce Report 7:25 - Markets Are "Stable" 12:17 - Blizzards & Chili 13:21 - The Incredible Nvidia Numbers 15:37 - The Lack of Market Reaction to Nvidia Report 17:02 - Where Will the Capital Come From? 23:22 - Why the Market Isn't Enthusiastic (about Nvidia) 24:30 - SalesForce & The Software Apocalypse 30:15 - Who Will Survive? 33:13 - Will AI Create a New Spreadsheet 36:19 - Tariffs: Old vs New: Markets Are Calm 40:49 - Betting on Tariff Refunds? ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6DavZVDY7OQ ------- Articles Mentioned in Today's Show: "Software Stocks: Navigating The SaaSpocalypse" https://realinvestmentadvice.com/resources/blog/software-stocks-navigating-the-saaspocalypse/ ------- Watch our previous show, "Q & A Wednesday: Straight Talk About Your Money" here: https://youtube.com/live/oW7OkyOvYC4 -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Is AI killing software stocks — or creating the buying opportunity of the decade? Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:49 - National Chili Day & Demise of Whataburger 3:04 - Nvidia & SalesForce Report 7:25 - Markets Are "Stable" 12:17 - Blizzards & Chili 13:21 - The Incredible Nvidia Numbers 15:37 - The Lack of Market Reaction to Nvidia Report 17:02 - Where Will the Capital Come From? 23:22 - Why the Market Isn't Enthusiastic (about Nvidia) 24:30 - SalesForce & The Software Apocalypse 30:15 - Who Will Survive? 33:13 - Will AI Create a New Spreadsheet 36:19 - Tariffs: Old vs New: Markets Are Calm 40:49 - Betting on Tariff Refunds? ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6DavZVDY7OQ ------- Articles Mentioned in Today's Show: "Software Stocks: Navigating The SaaSpocalypse" https://realinvestmentadvice.com/resources/blog/software-stocks-navigating-the-saaspocalypse/ ------- Watch our previous show, "Q & A Wednesday: Straight Talk About Your Money" here: https://youtube.com/live/oW7OkyOvYC4 -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the “why” behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Most investors don't realize how quickly a good plan can get derailed by one bad question: “What will your investments return this year?” Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with “Can you beat Treasuries this year?” Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - E-books & Economic Data 2:53 - Will AI Lead to Next Period of Financial Instability? 5:33 - Market Fails at 20- 50-DMA 11:10 - Chasing Returns in 2026 12:31 - Index's Substitution Effect 16:39 - What About the Flat Market? 19:20 - Where Returns Come From... 23:07 - Generating 6% Return w Bonds Only? 27:38 - Making Money vs Keeping It 29:05 - Money is Emotional 30:43 - What Do You Do w Your $1Million? 34:17 - Markets Have Been Easy 35:46 - Markets' Extreme Deviations 40:50 - Mistakes In Chasing Benchmarks 43:24 - Why Root for Economic Failure? 45:22 - Set a Goal & Manage Risk ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iN9Pv2Thvbo ------- Watch our previous show, "Is China Really Dumping U.S. Treasuries?," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test: 5% Pullback Risk Rising," is here: https://youtu.be/FfqIQklIxcc ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #RiskManagement #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection

Most investors don't realize how quickly a good plan can get derailed by one bad question: "What will your investments return this year?" Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with "Can you beat Treasuries this year?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - E-books & Economic Data 2:53 - Will AI Lead to Next Period of Financial Instability? 5:33 - Market Fails at 20- 50-DMA 11:10 - Chasing Returns in 2026 12:31 - Index's Substitution Effect 16:39 - What About the Flat Market? 19:20 - Where Returns Come From... 23:07 - Generating 6% Return w Bonds Only? 27:38 - Making Money vs Keeping It 29:05 - Money is Emotional 30:43 - What Do You Do w Your $1Million? 34:17 - Markets Have Been Easy 35:46 - Markets' Extreme Deviations 40:50 - Mistakes In Chasing Benchmarks 43:24 - Why Root for Economic Failure? 45:22 - Set a Goal & Manage Risk ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iN9Pv2Thvbo ------- Watch our previous show, "Is China Really Dumping U.S. Treasuries?," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test: 5% Pullback Risk Rising," is here: https://youtu.be/FfqIQklIxcc ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #RiskManagement #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection

Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as “no tax on Social Security” for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning

Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as "no tax on Social Security" for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning

It's Q&A Wednesday—your questions drive the show. Lance Roberts & Danny Ratliff break down what's moving markets right now, key economic and Fed signals to watch this week, and the practical portfolio decisions that matter most (risk, allocations, income, taxes, and retirement timing). Drop your question in the live chatroom and we'll tackle as many as we can. Topics we often cover: market volatility & trend levels, rates/inflation, sector rotation, retirement income, tax strategy, ETFs vs. individual bonds, and avoiding emotional decision-making. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Wrapping Earnings Season w Highest Revenue Growth Ever 4:38 - Markets Bounce off 100-DMA 6:47 - What's Next for Crude Oil & Energy Stocks? 9:40 - How Much Money is "Enough" to Retire On? 17:48 - Study: Coffee & Dementia 19:06 - Work Benefits vs Medicare 20:41 - Capital Allocation in Current Markets 23:19 - How to Plan for 2027 25:14 - Bloom Energy & Fuel Cell Tech 26:21 - Price Floor Effects on Trading, Employment & Metals 29:56 - Extended Car Warranty Pros & Cons 31:27 - How Much Trust in Forward Guidance? 32:55 - Is Palantir Over Sold? (Yes) 33:35 - Datacenter Rage vs Fiber Optics 35:00 - Corporate Stock Buy Backs vs AI Cap-Ex Spending 35:54 - Planning to Retire at 56 36:52 - Should You Wait Until 74 for Social Security? 39:09 - Market Rotation Velocity 40:28 - Coming Attractions ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3xyx42x5s44 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Bank, Brokerage, or Corporate Trustee? (It's a Matter of Trust)," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "1100-DMA Bounce: Range-Bound Markets & Energy Risk," is here: https://youtu.be/EJVtzKwAMG4 ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks #QandAWednesday #MarketOutlook #PortfolioRisk #RetirementPlanning #InvestingEducation

It's Q&A Wednesday—your questions drive the show. Lance Roberts & Danny Ratliff break down what's moving markets right now, key economic and Fed signals to watch this week, and the practical portfolio decisions that matter most (risk, allocations, income, taxes, and retirement timing). Drop your question in the live chatroom and we'll tackle as many as we can. Topics we often cover: market volatility & trend levels, rates/inflation, sector rotation, retirement income, tax strategy, ETFs vs. individual bonds, and avoiding emotional decision-making. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Wrapping Earnings Season w Highest Revenue Growth Ever 4:38 - Markets Bounce off 100-DMA 6:47 - What's Next for Crude Oil & Energy Stocks? 9:40 - How Much Money is "Enough" to Retire On? 17:48 - Study: Coffee & Dementia 19:06 - Work Benefits vs Medicare 20:41 - Capital Allocation in Current Markets 23:19 - How to Plan for 2027 25:14 - Bloom Energy & Fuel Cell Tech 26:21 - Price Floor Effects on Trading, Employment & Metals 29:56 - Extended Car Warranty Pros & Cons 31:27 - How Much Trust in Forward Guidance? 32:55 - Is Palantir Over Sold? (Yes) 33:35 - Datacenter Rage vs Fiber Optics 35:00 - Corporate Stock Buy Backs vs AI Cap-Ex Spending 35:54 - Planning to Retire at 56 36:52 - Should You Wait Until 74 for Social Security? 39:09 - Market Rotation Velocity 40:28 - Coming Attractions ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3xyx42x5s44 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Bank, Brokerage, or Corporate Trustee? (It's a Matter of Trust)," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "1100-DMA Bounce: Range-Bound Markets & Energy Risk," is here: https://youtu.be/EJVtzKwAMG4 ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks #QandAWednesday #MarketOutlook #PortfolioRisk #RetirementPlanning #InvestingEducation

Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just “lowest fees,” including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning

Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning

What happens when the “perfect” financial plan doesn't happen—your kid skips college, your retirement clock is ticking, and the family budget gets ambushed by costs you never saw coming? Jon Penn and Jonathan McCarty connect three real-world money stress points that are showing up everywhere right now: 1) The kid isn't going to college—now what about that 529? 2) Retirement vs. college: the household tug-of-war 3) Hidden car ownership costs: the budget killer after the dealership 0:00 - INTRO 0:21 - Market Futures & Precious Metals 2:33 - Rising Costs of automobiles & maintenance 5:27 - Rising Cost of Auto Insurance 10:45 - Kids' First Cars & Replacements 15:14 - What Happens to 529 Plans Leftover? 22:11 - The Increased Cost of Education 26:39 - Construction Technology 28:26 - Rolling 529 Funds into an "Able Account" 29:14 - Saving for Retirement vs Saving for College 33:45 - Two Themes to Retirement 34:45 - Subsidized vs Unsubsidized Student Loans 36:37 - FAFSA & CCS 38:01 - Rosso's Retirement Plans 39:48 - YouTube Poll 42:49 - Escalating Health Insurance Costs Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Gy9w2-v1EyE ------- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Watch our previous show, "The Value Rotation Illusion," here: https://youtube.com/live/2133YnloEBo?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here: https://youtu.be/ioOGa5YHzDI ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #529Plan #RetirementPlanning #CollegePlanning #PersonalFinance #CostOfCarOwnership #BucceesBeaverNuggets

What happens when the "perfect" financial plan doesn't happen—your kid skips college, your retirement clock is ticking, and the family budget gets ambushed by costs you never saw coming? Jon Penn and Jonathan McCarty connect three real-world money stress points that are showing up everywhere right now: 1) The kid isn't going to college—now what about that 529? 2) Retirement vs. college: the household tug-of-war 3) Hidden car ownership costs: the budget killer after the dealership 0:00 - INTRO 0:21 - Market Futures & Precious Metals 2:33 - Rising Costs of automobiles & maintenance 5:27 - Rising Cost of Auto Insurance 10:45 - Kids' First Cars & Replacements 15:14 - What Happens to 529 Plans Leftover? 22:11 - The Increased Cost of Education 26:39 - Construction Technology 28:26 - Rolling 529 Funds into an "Able Account" 29:14 - Saving for Retirement vs Saving for College 33:45 - Two Themes to Retirement 34:45 - Subsidized vs Unsubsidized Student Loans 36:37 - FAFSA & CCS 38:01 - Rosso's Retirement Plans 39:48 - YouTube Poll 42:49 - Escalating Health Insurance Costs Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Gy9w2-v1EyE ------- Articles mentioned in this report: "BLS Labor Report Defies Consensus" https://realinvestmentadvice.com/resources/blog/bls-labor-report-defies-consensus/ --- Watch our previous show, "The Value Rotation Illusion," here: https://youtube.com/live/2133YnloEBo?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Rally Risk - Overbought Markets," is here: https://youtu.be/ioOGa5YHzDI ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #529Plan #RetirementPlanning #CollegePlanning #PersonalFinance #CostOfCarOwnership #BucceesBeaverNuggets

It's Q&A Wednesday: You ask 'em, we'll answer—and today's episode covers the questions investors actually wrestle with when markets get noisy. Lance Roberts & Danny Ratliff start with a preview of upcoming economic reports and what recent data may be signaling about slowing growth and the next bout of market volatility. From there, we dig into real portfolio decisions—especially for investors heading into retirement—including how to think about allocation changes, managing risk, and avoiding the behavioral traps that derail long-term outcomes. Lance & Danny also hit the big evergreen topics: recency bias, whether there's truly a “one stock to own forever,” what buffered ETFs do (and don't) protect you from, and the mechanics behind the bond yield / interest-rate relationship. We also tackle timely portfolio choices like metals, tax-deferred vs. taxable accounts, seasonality, foreign currency trades, and how to invest in individual bonds. We wrap with practical tradeoffs around high-yield savings, the reality of beating the market consistently, and a broader discussion on growth modeling—plus a curveball question: Is AI going to take our jobs? 0:00 - INTRO 0:19 - Economic Reports Preview: More Weakness? 4:59 - Markets Do What They Do - More Volatility? 11:04 - How Should I Change My Portfolio Going Into Retirement? 17:48 - Dealing with Recency Bias 21:04 - The One Stock to Own Forever 24:20 - The Thing About Buffered ETF's 28:19 - Inverse Relationship Between Bond Yields vs Interest Rates 34:10 - Metals: Selling Today? 35:50 - Tax-deferred vs Taxable brokerage Accounts 39:16 - Using Seasonality When Investing 40:48 - Dealing with Foreign Currency Trades 44:00 - How to Invest in Individual Bonds? 47:01 - The Pro's & Con's of High Yield Savings 48:11 - Do You Consistently Beat the Market? 53:36 - Defining Magnitude and Modeling Growth 55:31 - Is AI Going to Take Our Jobs? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=6sI0zNQTCyE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Duct Tape & WD-40 Your Portfolio Together," here: https://youtube.com/live/EsweZ6GtMvI?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Keeps Stocks Flat," is here: https://youtu.be/8iyhck2LBpY ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #SectorRotation #TreasuryYields #Volatility #QandAWednesday #RetirementInvesting #MarketVolatility #BondMarket #TaxPlanning

It's Q&A Wednesday: You ask 'em, we'll answer—and today's episode covers the questions investors actually wrestle with when markets get noisy. Lance Roberts & Danny Ratliff start with a preview of upcoming economic reports and what recent data may be signaling about slowing growth and the next bout of market volatility. From there, we dig into real portfolio decisions—especially for investors heading into retirement—including how to think about allocation changes, managing risk, and avoiding the behavioral traps that derail long-term outcomes. Lance & Danny also hit the big evergreen topics: recency bias, whether there's truly a "one stock to own forever," what buffered ETFs do (and don't) protect you from, and the mechanics behind the bond yield / interest-rate relationship. We also tackle timely portfolio choices like metals, tax-deferred vs. taxable accounts, seasonality, foreign currency trades, and how to invest in individual bonds. We wrap with practical tradeoffs around high-yield savings, the reality of beating the market consistently, and a broader discussion on growth modeling—plus a curveball question: Is AI going to take our jobs? 0:00 - INTRO 0:19 - Economic Reports Preview: More Weakness? 4:59 - Markets Do What They Do - More Volatility? 11:04 - How Should I Change My Portfolio Going Into Retirement? 17:48 - Dealing with Recency Bias 21:04 - The One Stock to Own Forever 24:20 - The Thing About Buffered ETF's 28:19 - Inverse Relationship Between Bond Yields vs Interest Rates 34:10 - Metals: Selling Today? 35:50 - Tax-deferred vs Taxable brokerage Accounts 39:16 - Using Seasonality When Investing 40:48 - Dealing with Foreign Currency Trades 44:00 - How to Invest in Individual Bonds? 47:01 - The Pro's & Con's of High Yield Savings 48:11 - Do You Consistently Beat the Market? 53:36 - Defining Magnitude and Modeling Growth 55:31 - Is AI Going to Take Our Jobs? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=6sI0zNQTCyE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Duct Tape & WD-40 Your Portfolio Together," here: https://youtube.com/live/EsweZ6GtMvI?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Keeps Stocks Flat," is here: https://youtu.be/8iyhck2LBpY ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #SectorRotation #TreasuryYields #Volatility #QandAWednesday #RetirementInvesting #MarketVolatility #BondMarket #TaxPlanning

Markets rallied back into positive territory today, but the real risk-management lesson isn't the chart—it's behavior. Lance Roberts & Jon Penn unpack the “WD-40 & Duct Tape” framework: WD-40 reduces emotional friction when headlines and volatility try to lock up decision-making, and duct tape is the discipline that keeps your portfolio plan intact (allocation, diversification, rebalancing rules, time horizon, liquidity). We also hit real-life planning topics investors ignore until it's urgent—pre-nups, trusts, board liability, and why you shouldn't scrimp on estate planning. Because protecting wealth isn't just about returns—it's about structure, documents, and decisions made before stress shows up. 0:00 - INTRO 0:19 - Valentine's PSA & Earnings Recaps 4:25 - Markets Rally Back Into Positive Territory 9:21 - Christmas Lights, Roofers, & Racoons 12:31 - Engagements, WD-40, & Duct Tape 18:35 - Investors Getting Emotional w Markets 26:57 - When Should a Pre-Nup Be Used? 31:57 - Will a Trust Protect One's Assets? 39:27 - Don't Scrimp on Estate Planning 42:58 - Can I Get Sued on a Board of Directors? 45:22 - Updating an Estate Plan Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/EsweZ6GtMvI?feature=share ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Technology Stocks: Dead… or the Next Opportunity?" here: https://youtube.com/live/dkvgydsdn-g?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Signals Melt-up" is here: https://youtu.be/U5PtR83h4qs ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketMeltUp #SectorRotation #TechStocks #BitcoinAnalysis #BehavioralFinance #MarketVolatility #PortfolioDiscipline #EstatePlanning #WealthProtection

Markets rallied back into positive territory today, but the real risk-management lesson isn't the chart—it's behavior. Lance Roberts & Jon Penn unpack the "WD-40 & Duct Tape" framework: WD-40 reduces emotional friction when headlines and volatility try to lock up decision-making, and duct tape is the discipline that keeps your portfolio plan intact (allocation, diversification, rebalancing rules, time horizon, liquidity). We also hit real-life planning topics investors ignore until it's urgent—pre-nups, trusts, board liability, and why you shouldn't scrimp on estate planning. Because protecting wealth isn't just about returns—it's about structure, documents, and decisions made before stress shows up. 0:00 - INTRO 0:19 - Valentine's PSA & Earnings Recaps 4:25 - Markets Rally Back Into Positive Territory 9:21 - Christmas Lights, Roofers, & Racoons 12:31 - Engagements, WD-40, & Duct Tape 18:35 - Investors Getting Emotional w Markets 26:57 - When Should a Pre-Nup Be Used? 31:57 - Will a Trust Protect One's Assets? 39:27 - Don't Scrimp on Estate Planning 42:58 - Can I Get Sued on a Board of Directors? 45:22 - Updating an Estate Plan Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/EsweZ6GtMvI?feature=share ------- Articles Mentioned in Today's Show: "Speculative Narrative Unwinds" https://realinvestmentadvice.com/resources/blog/speculative-narrative-unwinds/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Technology Stocks: Dead… or the Next Opportunity?" here: https://youtube.com/live/dkvgydsdn-g?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Signals Melt-up" is here: https://youtu.be/U5PtR83h4qs ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketMeltUp #SectorRotation #TechStocks #BitcoinAnalysis #BehavioralFinance #MarketVolatility #PortfolioDiscipline #EstatePlanning #WealthProtection

Why do wealthier households tend to live longer and experience fewer chronic diseases? Richard Rosso & Jonathan McCarty break down the Wealth-Health Gap—how income, savings, and environment shape health through housing quality, access to care, and financial resilience. We also flip the lens: poor health can reduce earnings, drain savings, and create a vicious cycle that widens disparities across generations. Finally, we discuss systemic factors that amplify the gap and practical policy ideas aimed at improving both economic stability and health outcomes. 0:00 - INTRO 0:20 - Uncle Floyd & Chuy Intro 3:06 - The Health-Wealth Connect 6:05 - Diet, Lifestyle, & Spending Choices 7:32 - Kevin O'Leary's Health-Wealth Regimen 9:40 - Lifestyle Matters 12:48 - The Cost of Healthy Eating 20:02 - The Revolution in Health in Wealth Planning 22:02 - Younger Generations Want to Know 27:15 - Planning for Healthy Retirement 28:30 - Information for Better Health 31:56 - Planning for Healthcare Costs in Retirement 34:14 - Why Not Know? 38:40 - Stack the Odds in Your Favor 44:15 - Candid Coffee Teaser Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TynkcovRQIQ?feature=share ------- Watch our previous show, "Truflation vs CPI: What Inflation Is Really Doing Today," here: https://youtube.com/live/Ojlx_IPrDUg?feature=share -------- The latest installment of our new feature, Before the Bell, "Markets Set Up for Rotation Trades is here: https://youtu.be/IKsm6U2CK8w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #WealthHealthGap #SocialDeterminantsOfHealth #HealthEquity #FinancialPlanning #WealthInequality

Why do wealthier households tend to live longer and experience fewer chronic diseases? Richard Rosso & Jonathan McCarty break down the Wealth-Health Gap—how income, savings, and environment shape health through housing quality, access to care, and financial resilience. We also flip the lens: poor health can reduce earnings, drain savings, and create a vicious cycle that widens disparities across generations. Finally, we discuss systemic factors that amplify the gap and practical policy ideas aimed at improving both economic stability and health outcomes. 0:00 - INTRO 0:20 - Uncle Floyd & Chuy Intro 3:06 - The Health-Wealth Connect 6:05 - Diet, Lifestyle, & Spending Choices 7:32 - Kevin O'Leary's Health-Wealth Regimen 9:40 - Lifestyle Matters 12:48 - The Cost of Healthy Eating 20:02 - The Revolution in Health in Wealth Planning 22:02 - Younger Generations Want to Know 27:15 - Planning for Healthy Retirement 28:30 - Information for Better Health 31:56 - Planning for Healthcare Costs in Retirement 34:14 - Why Not Know? 38:40 - Stack the Odds in Your Favor 44:15 - Candid Coffee Teaser Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TynkcovRQIQ?feature=share ------- Watch our previous show, "Truflation vs CPI: What Inflation Is Really Doing Today," here: https://youtube.com/live/Ojlx_IPrDUg?feature=share -------- The latest installment of our new feature, Before the Bell, "Markets Set Up for Rotation Trades is here: https://youtu.be/IKsm6U2CK8w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #WealthHealthGap #SocialDeterminantsOfHealth #HealthEquity #FinancialPlanning #WealthInequality

Today's live YouTube Chat Q&A covers the full spectrum—earnings season takeaways, the selloff-to-rebound pattern, and the big debate around Big Tech, AI, and margins. We walk through where tech and AI leadership stand now, whether AI is pressuring software profitability, and the “real world” constraint markets may be underpricing: power demand (including what ERCOT could mean for data-center expansion). We also hit the energy transition angle—why wind/solar intermittency matters, the critical minerals push, and why fundamentals still matter when narratives run hot. On the positioning side, we discuss whether metals look oversold, how to think about “rebound rallies,” and why investor discipline (process, rebalancing, and risk controls) beats chasing headlines. Finally, we shift to planning questions that come up constantly in the chat: Medicare timing (age 65 vs. later), enrolling in your 70s, key pitfalls with Medicare Advantage, and how COBRA fits into the transition. 0:00 - INTRO 0:19- Earnings Season Recap 4:05 - Markets Sell off to Rebound 9:05 - Tech Stocks & AI - Where are We? 10:17 - Is AI Destroying Software Profit Margins? 16:26 - Will ERCOT Pump the Brakes of Data Centers? 19:22 - Wind & Solar Are Not Consistent or Reliable 20:42 - The Critical Mineral Push 22:33 - Fundamentals Matter a Lot 24:19 - Are Metals Over Sold? 27:41 - Investor Discipline & Having a Plan 29:10 - This was Not a Forced Manipulation 30:45 - Leverage on Bitcoin 31:47 - Jumping on Medicare at age 65? 38:44 - Signing Up for Medicare in 70's 40:32 - Be Careful with Medicare Advantage 42:56 - The Thing About COBRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "The Trap of Chasing Returns," here: https://youtube.com/live/sKXpfWf8oRs?feature=share -------- The latest installment of our new feature, Before the Bell, "Dip Buyers Step In" is here: https://youtu.be/EY04EexrThs ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing #BuyTheDip #EarningsSeason #ArtificialIntelligence #BigTech #RiskManagement #Medicare

Today's live YouTube Chat Q&A covers the full spectrum—earnings season takeaways, the selloff-to-rebound pattern, and the big debate around Big Tech, AI, and margins. We walk through where tech and AI leadership stand now, whether AI is pressuring software profitability, and the "real world" constraint markets may be underpricing: power demand (including what ERCOT could mean for data-center expansion). We also hit the energy transition angle—why wind/solar intermittency matters, the critical minerals push, and why fundamentals still matter when narratives run hot. On the positioning side, we discuss whether metals look oversold, how to think about "rebound rallies," and why investor discipline (process, rebalancing, and risk controls) beats chasing headlines. Finally, we shift to planning questions that come up constantly in the chat: Medicare timing (age 65 vs. later), enrolling in your 70s, key pitfalls with Medicare Advantage, and how COBRA fits into the transition. 0:00 - INTRO 0:19- Earnings Season Recap 4:05 - Markets Sell off to Rebound 9:05 - Tech Stocks & AI - Where are We? 10:17 - Is AI Destroying Software Profit Margins? 16:26 - Will ERCOT Pump the Brakes of Data Centers? 19:22 - Wind & Solar Are Not Consistent or Reliable 20:42 - The Critical Mineral Push 22:33 - Fundamentals Matter a Lot 24:19 - Are Metals Over Sold? 27:41 - Investor Discipline & Having a Plan 29:10 - This was Not a Forced Manipulation 30:45 - Leverage on Bitcoin 31:47 - Jumping on Medicare at age 65? 38:44 - Signing Up for Medicare in 70's 40:32 - Be Careful with Medicare Advantage 42:56 - The Thing About COBRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=dLVV-H-lG3A&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Trap of Chasing Returns," here: https://youtube.com/live/sKXpfWf8oRs?feature=share -------- The latest installment of our new feature, Before the Bell, "Dip Buyers Step In" is here: https://youtu.be/EY04EexrThs ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing #BuyTheDip #EarningsSeason #ArtificialIntelligence #BigTech #RiskManagement #Medicare

Most investors don't blow up because they “didn't know enough.” They blow up because they frame the decision wrong. Lance Roberts & Jonathan Penn break down narrow framing—the behavior where investors judge one investment in isolation (“Why don't I own that?”) instead of evaluating results through the entire portfolio and a long-term plan. When something becomes “hot,” it feels obvious, safe, and inevitable. But return-chasing often ends the same way: buying after a big run, then selling after the first real drawdown. That cycle turns investing into reaction instead of strategy—headlines instead of planning, emotion instead of discipline. 0:00 - INTRO 0:19 - ISM Manufacturing Feed Reflation Narrative 4:15 - Sector Rotations Worth Watching 8:20 - Markets Continue in Rising Trend 13:24 - The Trap of Cahasing Returns 15:58 - The Trouble w Investor Complacency 18:20 - The Flaw in Framing 22:09 - Momentum Drives Price 23:21 - Leverage Unwinding & Volatility 24:42 - It's Silver Profit Taking Time 25:47 - Risk Tolerance vs Risk Capacity 28:03 - A Portfolio is Like a Car 31:12 - The Misconception Between Risk & Volatility 34:23 - Risk is the Destruction of Capital 35:58 - Markets Do Not Compound Returns 37:31 - Would You Rather... 42:33 - Everybody Idolizes Warren Buffett 43:30 - Establish a Discipline 45:52 - Have a Plan - Write it Down 48:51 - E-book Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sKXpfWf8oRs?feature=share ------- Watch our previous show, "Bears Are an Endangered Species," here: https://www.youtube.com/live/NAyXnrquGiQ -------- The latest installment of our new feature, Before the Bell, "Reflation Rotation" is here: https://youtu.be/9f2tn_O1BUc ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing

Most investors don't blow up because they "didn't know enough." They blow up because they frame the decision wrong. Lance Roberts & Jonathan Penn break down narrow framing—the behavior where investors judge one investment in isolation ("Why don't I own that?") instead of evaluating results through the entire portfolio and a long-term plan. When something becomes "hot," it feels obvious, safe, and inevitable. But return-chasing often ends the same way: buying after a big run, then selling after the first real drawdown. That cycle turns investing into reaction instead of strategy—headlines instead of planning, emotion instead of discipline. 0:00 - INTRO 0:19 - ISM Manufacturing Feed Reflation Narrative 4:15 - Sector Rotations Worth Watching 8:20 - Markets Continue in Rising Trend 13:24 - The Trap of Cahasing Returns 15:58 - The Trouble w Investor Complacency 18:20 - The Flaw in Framing 22:09 - Momentum Drives Price 23:21 - Leverage Unwinding & Volatility 24:42 - It's Silver Profit Taking Time 25:47 - Risk Tolerance vs Risk Capacity 28:03 - A Portfolio is Like a Car 31:12 - The Misconception Between Risk & Volatility 34:23 - Risk is the Destruction of Capital 35:58 - Markets Do Not Compound Returns 37:31 - Would You Rather... 42:33 - Everybody Idolizes Warren Buffett 43:30 - Establish a Discipline 45:52 - Have a Plan - Write it Down 48:51 - E-book Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sKXpfWf8oRs?feature=share ------- Watch our previous show, "Bears Are an Endangered Species," here: https://www.youtube.com/live/NAyXnrquGiQ -------- The latest installment of our new feature, Before the Bell, "Reflation Rotation" is here: https://youtu.be/9f2tn_O1BUc ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SectorRotation #RiskManagement #ReflationTrade #PortfolioRebalancing

This week's episode features Cam Currie, Senior Investment Advisor at Canaccord Genuity Wealth Management and leader of the Currie Metals & Mining Group, in conversation with host Adrian Pocobelli on the precious metals markets. Currie breaks down the recent pullback in gold and silver prices, explaining the key drivers behind the renewed momentum in precious metals. He highlights growing concerns over soaring U.S. dollar-denominated debt, eroding confidence in fiat currencies, and the dollar's perceived loss of neutrality in global finance. He also shares his views on precious metals equities, identifying where he sees the strongest opportunities, as well as which industrial metals he finds particularly compelling. All this and more with host Adrian Pocobelli. “Rattlesnake Railroad”, “Big Western Sky”, “Western Adventure” and “Battle on the Western Frontier” by Brett Van Donsel (⁠www.incompetech.com⁠). Licensed under Creative Commons: By Attribution 4.0 License ⁠creativecommons.org/licenses/by/4.0⁠ Apple Podcasts:⁠ https://podcasts.apple.com/ca/podcast/the-northern-miner-podcast/id1099281201⁠ Spotify:⁠ https://open.spotify.com/show/78lyjMTRlRwZxQwz2fwQ4K⁠ YouTube:⁠ https://www.youtube.com/@NorthernMiner⁠ Soundcloud:⁠ https://soundcloud.com/northern-miner

Welcome to Q&A Wednesday: The YouTube Chat Free-for-All — our most interactive show of the week. Lance Roberts & Danny Ratliff answer real-time questions straight from the YouTube live chat. No scripts. No pre-selected topics. Just timely, unfiltered discussion on the issues investors are wrestling with right now. 0:00 - INTRO 0:19 - Major Mega Cap Earnings After the Bell Today 3:27 - Re-setting the Doomsday Clock 5:59 - Markets Set (Another) All-time High 11:31 - Metals as Assets - Where Are Retail Investors Piling In? 21:14 - Commodities are Just an Asset 22:33 - Dollar's Decline & Relative Strength 25:16 - Should You Pay Off Your Mortgage? 29:00 - Tokenization of Real Estate Holdings 33:27 - Roth Conversions Ahead of Higher Taxes 35:04 - How Does an Economy Work in an AI Environment 36:08 - Buying Houses for $500 Down 36:58 - Private Lending Fund? NO. 39:33 - Do Not Sell Gold to Buy a Porsche 40:38 - Take Risk, Retire Young? 44:44 - When is the proper time to rebalance portfolio? 45:54 - Risk vs Volatility 48:23 - CME Raising Silver Margin Requirements 50:17 - What Are Allocations in All-Weather Portfolio? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=XLaWDc-IGAw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "Work Sucks...or Does It?," here: https://www.youtube.com/live/ziEdWYE1VwQ -------- The latest installment of our new feature, Before the Bell, "Big Tech Drives Market Highs" is here: https://youtu.be/ut624yuAvDg ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #MarketRisk #SP500 #EarningsSeason #PortfolioManagement #QAWednesday #InvestorQuestions #MarketVolatility #FinancialEducation #RiskManagement

Welcome to Q&A Wednesday: The YouTube Chat Free-for-All — our most interactive show of the week. Lance Roberts & Danny Ratliff answer real-time questions straight from the YouTube live chat. No scripts. No pre-selected topics. Just timely, unfiltered discussion on the issues investors are wrestling with right now. 0:00 - INTRO 0:19 - Major Mega Cap Earnings After the Bell Today 3:27 - Re-setting the Doomsday Clock 5:59 - Markets Set (Another) All-time High 11:31 - Metals as Assets - Where Are Retail Investors Piling In? 21:14 - Commodities are Just an Asset 22:33 - Dollar's Decline & Relative Strength 25:16 - Should You Pay Off Your Mortgage? 29:00 - Tokenization of Real Estate Holdings 33:27 - Roth Conversions Ahead of Higher Taxes 35:04 - How Does an Economy Work in an AI Environment 36:08 - Buying Houses for $500 Down 36:58 - Private Lending Fund? NO. 39:33 - Do Not Sell Gold to Buy a Porsche 40:38 - Take Risk, Retire Young? 44:44 - When is the proper time to rebalance portfolio? 45:54 - Risk vs Volatility 48:23 - CME Raising Silver Margin Requirements 50:17 - What Are Allocations in All-Weather Portfolio? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=XLaWDc-IGAw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "Work Sucks...or Does It?," here: https://www.youtube.com/live/ziEdWYE1VwQ -------- The latest installment of our new feature, Before the Bell, "Big Tech Drives Market Highs" is here: https://youtu.be/ut624yuAvDg ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #MarketRisk #SP500 #EarningsSeason #PortfolioManagement #QAWednesday #InvestorQuestions #MarketVolatility #FinancialEducation #RiskManagement

Lance Roberts & Jonathan Penn take a hard look at how Millennials and Gen Z view work, career stability, and success in a rapidly changing economy. From corporate burnout and hustle culture to freelancing, side hustles, and remote work, the rules around employment are shifting fast. 0:00 - INTRO 0:20 - Baylor Hockey & Headphone Parties 3:28 - Fed Week preview 6:57 - Markets' Rally & Earnings Preview 12:55 - The Evolution of Work 15:48 - The Gig Job Economy 16:51 - The Importance of Job Security? 18:40 - Lance & Jon's First Jobs Stories 27:25 - Skill Sets for Success 30:25 - Teaching them Young - Dog Treats Door-to-Door 32:11 - Every Job is a Sales Job 34:08 - Looking for Work That is Meaningful 35:40 - Creation of Job Hopping Culture 37:42 - Retiring at 30? (Fallacies of the F.I.R.E. Movement) 39:39 - The Only Thing You Learn in College 41:54 - Looking for the "Right" Job Title 44:30 - The Myth of Work-Life Balance 48:09 - Level of Effort = Outcome 50:56 - Burnout is Real 52:15 - Save and Invest Early Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/live/ziEdWYE1VwQ ------- Watch our previous show, "Bitcoin: Diversifier or Distraction - The Parker White Interview," here: https://www.youtube.com/watch?v=D4roSFzE3Ww&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Earnings Determine Market's Next Move" is here: https://www.youtube.com/watch?v=154GzrQdhxU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #EarningsSeason #StockMarketToday #TechnicalAnalysis #PreMarketUpdate #WorkCulture #Burnout #FutureOfWork #Millennials #GenZ #WorkSucks

Lance Roberts & Jonathan Penn take a hard look at how Millennials and Gen Z view work, career stability, and success in a rapidly changing economy. From corporate burnout and hustle culture to freelancing, side hustles, and remote work, the rules around employment are shifting fast. 0:00 - INTRO 0:20 - Baylor Hockey & Headphone Parties 3:28 - Fed Week preview 6:57 - Markets' Rally & Earnings Preview 12:55 - The Evolution of Work 15:48 - The Gig Job Economy 16:51 - The Importance of Job Security? 18:40 - Lance & Jon's First Jobs Stories 27:25 - Skill Sets for Success 30:25 - Teaching them Young - Dog Treats Door-to-Door 32:11 - Every Job is a Sales Job 34:08 - Looking for Work That is Meaningful 35:40 - Creation of Job Hopping Culture 37:42 - Retiring at 30? (Fallacies of the F.I.R.E. Movement) 39:39 - The Only Thing You Learn in College 41:54 - Looking for the "Right" Job Title 44:30 - The Myth of Work-Life Balance 48:09 - Level of Effort = Outcome 50:56 - Burnout is Real 52:15 - Save and Invest Early Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/live/ziEdWYE1VwQ ------- Watch our previous show, "Bitcoin: Diversifier or Distraction - The Parker White Interview," here: https://www.youtube.com/watch?v=D4roSFzE3Ww&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Earnings Determine Market's Next Move" is here: https://www.youtube.com/watch?v=154GzrQdhxU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #EarningsSeason #StockMarketToday #TechnicalAnalysis #PreMarketUpdate #WorkCulture #Burnout #FutureOfWork #Millennials #GenZ #WorkSucks

Most people think the hardest part of legacy planning is legal documents, estate taxes, or complex strategies. In reality, the most difficult part is much simpler—and more uncomfortable: starting the conversation. Richard Rosso and Jonathan McCarty discuss why these conversations are so difficult, why avoiding them creates greater risk for families...and offer a starting point solution. 0:00 INTRO 0:19 - Punxsutawny Ted Cruz & Texas Winters 1:47 - The Hardest Part About Legacy Planning 3:20 - When You Have Kids... 5:57 - The Basics of Health Directives 7:25 - The Five Wishes process 10:25 - Wish-1 - Who Makes Healthcare Decisions for You? 14:29 - Wish-2 - What Kind of Care? 17:10 - Organ Donation & EOL Planning 20:45 - Wish-3 - How Comfortable to You Want to Be? 21:28 - Wish-4 - How Do You Want People to Treat You? 23:15 - Wish-5 - What I Want Loved-ones to Know 25:43 - A Wealth of Knowledge at AgingWithDignity.org 29:03 - How to Have The Conversation 33:57 - Do Trust or Not to Trust? 36:16 - YouTube Chatroom Comments Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=D4roSFzE3Ww&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "It's Q&A Day — and (almost) anything goes" here: https://www.youtube.com/live/jFDHVzdwNdo -------- The latest installment of our new feature, Before the Bell, "Markets Stall at Resistance - Volatility Ahead?" is here: https://www.youtube.com/watch?v=8EviI_k5gb8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LegacyPlanning #EstatePlanning #FamilyConversations #FinancialEducation #LifePlanning #FiveWishes

Most people think the hardest part of legacy planning is legal documents, estate taxes, or complex strategies. In reality, the most difficult part is much simpler—and more uncomfortable: starting the conversation. Richard Rosso and Jonathan McCarty discuss why these conversations are so difficult, why avoiding them creates greater risk for families...and offer a starting point solution. 0:00 INTRO 0:19 - Punxsutawny Ted Cruz & Texas Winters 1:47 - The Hardest Part About Legacy Planning 3:20 - When You Have Kids... 5:57 - The Basics of Health Directives 7:25 - The Five Wishes process 10:25 - Wish-1 - Who Makes Healthcare Decisions for You? 14:29 - Wish-2 - What Kind of Care? 17:10 - Organ Donation & EOL Planning 20:45 - Wish-3 - How Comfortable to You Want to Be? 21:28 - Wish-4 - How Do You Want People to Treat You? 23:15 - Wish-5 - What I Want Loved-ones to Know 25:43 - A Wealth of Knowledge at AgingWithDignity.org 29:03 - How to Have The Conversation 33:57 - Do Trust or Not to Trust? 36:16 - YouTube Chatroom Comments Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=D4roSFzE3Ww&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "It's Q&A Day — and (almost) anything goes" here: https://www.youtube.com/live/jFDHVzdwNdo -------- The latest installment of our new feature, Before the Bell, "Markets Stall at Resistance - Volatility Ahead?" is here: https://www.youtube.com/watch?v=8EviI_k5gb8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LegacyPlanning #EstatePlanning #FamilyConversations #FinancialEducation #LifePlanning #FiveWishes

Lance Roberts & Danny Ratliff take your real-time questions directly from our YouTube live chat window, and break down today's most important money, market, investing, and retirement topics. 0:00 - INTRO 0:19 - Big Banks' Earnings & Trading Revenue 4:00 - Markets Decline off All-time Highs 9:05 - Fun with Charts - Understanding Market Dynamics 16:17 - Contributing to Roth in Retirement? 20:27 - SimpleVisor Alerts 21:10 - Determining Percentage of Assets to Own vs Sell 26:15 - Thoughts on Trump Plan to use Retirement Money for Home Purchases 30:01 - You never Own Your House 33:48 - Sartorial Advice from Chat Room 34:50 - Target Allocations & Market Valuations 40:18 - 10% Cap on Credit Card Interest 43:08 - The Problem with Checks to Households & UBI 47:10 - A Candid Critique of the Service Industry 48:18 - Why MasterCard Stock Dropped on CC News 49:33 - The Problem with Crony Capitalism 49:52 - Defense Contractor Stock Buys Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=jAYfTLVka6w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Economic Reflation Narrative Is Back" here: https://www.youtube.com/watch?v=LT4dfHthMSY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Markets Compress Near All-time Highs," is here: https://www.youtube.com/watch?v=3p7ti6VnJQI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #StockMarketToday #MarketVolatility #TechnicalAnalysis #RiskManagement #InvestingQuestions #PersonalFinance #RetirementPlanning

Lance Roberts & Danny Ratliff take your real-time questions directly from our YouTube live chat window, and break down today's most important money, market, investing, and retirement topics. 0:00 - INTRO 0:19 - Big Banks' Earnings & Trading Revenue 4:00 - Markets Decline off All-time Highs 9:05 - Fun with Charts - Understanding Market Dynamics 16:17 - Contributing to Roth in Retirement? 20:27 - SimpleVisor Alerts 21:10 - Determining Percentage of Assets to Own vs Sell 26:15 - Thoughts on Trump Plan to use Retirement Money for Home Purchases 30:01 - You never Own Your House 33:48 - Sartorial Advice from Chat Room 34:50 - Target Allocations & Market Valuations 40:18 - 10% Cap on Credit Card Interest 43:08 - The Problem with Checks to Households & UBI 47:10 - A Candid Critique of the Service Industry 48:18 - Why MasterCard Stock Dropped on CC News 49:33 - The Problem with Crony Capitalism 49:52 - Defense Contractor Stock Buys Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=jAYfTLVka6w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "The Economic Reflation Narrative Is Back" here: https://www.youtube.com/watch?v=LT4dfHthMSY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Markets Compress Near All-time Highs," is here: https://www.youtube.com/watch?v=3p7ti6VnJQI&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #StockMarketToday #MarketVolatility #TechnicalAnalysis #RiskManagement #InvestingQuestions #PersonalFinance #RetirementPlanning

The 2026 tax season is shaping up to look very different—especially for retirees, near-retirees, and late-career workers. Richard Rosso & Jonathan McCarty break down some major tax changes tied to the “One Big Beautiful Bill” and recent retirement legislation that could materially impact your tax planning strategy. From higher standard deductions and new age-based write-offs to expanded SALT limits, auto-loan interest deductions, and larger 401(k) catch-up contributions, these changes create both opportunities and planning traps. 0:00 - INTRO 0:19 - The Big D in the OBBB 3:52 - Higher Standard Deductions 6:57 - Withholding Adjustments 10:25 - Higher SALT Deduction 12:33 - Automobile Loan Interest Deduction 15:29 - Larger Catch-up Contributions 19:15 - Tipped Workers & Qualifying Jobs 23:15 - To Itemize or Not to Itemize 23:56 - Getting Ready not to File Tax Returns 25:06 - Looking at Roth Options 30:52 - 2026 Economic Summit 33:14 - Roth Conversion Deadlines 35:43 - YouTube Poll Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=5dEwx5cGCZw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "2026 Market Forecasts: Why Wall Street Gets It Wrong," here: https://www.youtube.com/watch?v=cQA10SrDk3s&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Sector Rotation Quietly Begins," is here: https://www.youtube.com/watch?v=l6zc2wXLn5o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #2026Taxes #TaxPlanning #RetirementPlanning #IRSUpdates #FinancialEducation

Markets are hitting all-time highs, earnings expectations are rising, and investors are navigating everything from oil prices to Roth conversions. Lance Roberts & Danny Ratliff take live viewer questions and explore the themes investors are most focused on right now. Topics discussed include why earnings may be the primary market driver this year, what recent all-time highs signal for forward returns, and how capital flows are shifting across sectors and asset classes. We also examine oil markets—WTI pricing, energy stocks, Venezuela supply dynamics—and what the “sweet spot” for oil prices means for the broader economy. On the planning side, we address Roth IRA advantages and drawbacks, Roth conversions, RMD considerations, and asset allocation questions across different life stages, including retirement-focused portfolios. Additional discussion covers the growing disconnect between GDP and unemployment data, hidden consumer leverage through buy-now-pay-later programs, and how diversification differs from simply owning non-correlated assets. We also touch on factor rotation, bond ETF structure, metals like gold and silver, and whether certain defensive or out-of-favor sectors may eventually regain investor interest. 0:00 - INTRO 0:18 - Earnings to be The Big Driver this Year 5:45 - Markets Hit All-time Highs 9:23 - Economic Summit Preview & Danny's Holiday Recap 12:25 - WTI, XLE, and Venezuela Oil 17:51 - What is the "Sweet Spot" for Oil Pricing? 21:23 - Tax Advantages - Disadvantages of Roth IRA 24:38 - Where to Look for Capital Flows 27:08 - Roth Conversions & RMD's 28:27 - Commentary - Divergence Between Unemployment & GDP 31:10 - Unrecognized Debt - Buy Now - Pay Later is a Black Box 31:53 - Recommendations for 60-40 Allocations 35:03 - Example of Bond ETF's in SimpleVisor 38:57 - Factor Rotation Portfolio 41:54 - Diversification vs Non-Correlated Assets 44:46 - Silver, Gold, & Other Metals 45:51 - Back Door Roth Conversions 47:30 - Asset Allocations for Septuagenarians 50:18 - Are Packaged Food stocks Ever Coming Back? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=R8z27km9G1M&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Financial Nihilism vs. Financial Planning," here: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketToday #MarketRisk #VIX #PortfolioManagement