Podcasts about senior investment advisor

Who inherits your IRA could matter just as much as what's in it. The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries. Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs. Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend. 0:00 INTRO 0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare 2:03 - Uber & Zipline drone delivery; Why the Young "have no money" 9:23 - Account Titling and Probate Avoidance 14:00 - Revocable Living Trusts 15:57 - Setting Beneficiaries on Assets 18:31 - How to Use TOD (Transfer on Death) 20:10 - Mistakes w IRA Beneficiaries 25:39 - The Benefits of Online Savings (adding/subtracting beneficiaries) 27:47 - Best Practices for Titling: Be Specific 29:46 - Naming Contingent Beneficiaries Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/GpH7q-IgPXs?feature=share -------- Watch our previous show, "Watch our previous show, "Nvidia Says the AI Boom Is Just Getting Started, " https://youtube.com/live/lGSWXLw9dPY " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- 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/ #EstatePlanning #InheritedIRA #RetirementPlanning #IRA #FinancialPlanning

Markets are facing a growing list of risks as investors head into the final stretch of summer. Stocks are working through a slow-moving correction, Treasury yields remain elevated, technology leadership is being tested, and the Federal Reserve faces renewed questions about inflation and interest rates. Which risks actually matter for your portfolio, and which are mostly market noise? Lance Roberts & Danny Ratliff answer your questions, live, as we break down the latest economic data, market signals, Fed policy expectations, bond yields, and geopolitical developments to separate the real threats from the headlines. 0:00 INTRO 1:00 - Dolly Parton's Passing 1:46 - NVDIA is the Big News Today - will move markets tomorrow 4:34 - Markets Rally and Hold 20-DMA; Mitigating Market Risk 6:38 - NVIDIA Preview 10:26 - Lance's Wardrobe 11:35 - Semi-conductor Strategies 14:44 - 401-k Rotation Strategies 19:52 - Looking at Interest Rate plays - what is your goal? 22:13 - Is the Globalization Narrative breaking down? (TV Pricing & Exporting Inflation, Importing Deflation) 27:46 - Modifying Cap Ex concept in AI business? 28:48 - If the Basis Trade blows up? 29:19 - Barbell Strategies for ten-year term (Value ETF's vs Momentum ETF's) 35:22 - 50-50 portfolio (eating cake every night & not gain weight) 37:47 - Etherium Price at EOY? (you've missed The Move for this year); it is a risk asset 40:01 - Stuck with TMF (leveraged ETF) What Would You Do From here? 44:51 - When a Company is sold, when to get out? 45:24 - Value vs growth 46:04 - NVIDIA, Market Cap Concentration, & Top Ten Stocks 49:01 - What Could Cause a Spike Higher in Yields? 51:50 - Stanley Drunkenmiller vs the Fed: Let the market dictate action 52:49 - Balanced Portfolios at age 80? 55:21 - Sectors most under-valued, over-looked, and over-valued? 56:38 - How much of investing proverbs/rules have come true? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/tESc03T56K4?feature=share ------- Articles mentioned in this report: "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ "Investor Psychology Is Sabotaging Your Returns (Chapter 2 of 5)" https://realinvestmentadvice.com/resources/blog/investor-psychology-is-sabotaging-your-returns-chapter-2-of-5/ "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ "Three Percent Real TIPS Yields: Boring But Valuable" https://realinvestmentadvice.com/resources/blog/three-percent-real-tips-yields-boring-but-valuable/ -------- Watch today's "Before the Bell" report, "NVIDIA Earnings Put Market Support to the Test," https://youtu.be/5Dkn-dNU9wA ------- Watch our previous show, "Are Today's Interest Rates Really That High?" https://youtube.com/live/lPCVe6O4LjM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- 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/ #NVIDIA #StockMarket #NVDA #Investing #MarketOutlook #FederalReserve #Investing #InterestRates

Interest rates are rising, long-term bond prices have pulled back, and investors are once again worried that higher Treasury yields could threaten the economy and markets. But what if today's rates aren't historically high at all? After more than a decade of near-zero rates and easy monetary policy, investors may have become accustomed to an environment that was anything but normal. Lance Roberts & Jon Penn put today's interest rates into historical perspective, examine what higher yields really say about inflation, growth, debt, and deficits, and explain why a 5% long-term Treasury yield may not be the crisis many headlines suggest. We'll also look at what the changing rate environment means for stocks, bonds, portfolio risk, and investors deciding whether weakness in longer-duration bonds is a warning—or an opportunity. 0:00 INTRO 1:04 - Weekly Preview & Treasury General Account Bond Buy Backs 2:04 - Shorting Treasuries & The Hedge Fund Trade 5:37 - Markets Going Thru a Slow-Motion Correction 8:24 - BitCoin Rallies on Bessent Announcement 11:52 - Bonds & Rates: Brake or Break? 19:08 - Rates Are Normal 21:56 - The Primary Determinants that Set Loan Rates (Economic Composite Index) 25:46 - The Effect of Debt on Economy 29:46 - The Negative Multiplier, Measured (Gov't. Debt vs Household Debt) 33:33 - The S&P in 2008? When Markets are Unsustainable 36:58 - $40-trillion (and "Zero") & Shock and Awe 39:40 - Retirees Get Paid to own Treasuries (How Much to Allocate?) 41:57 - Is the Dollar Losing Value? 44:45 - There is Always a Buyer for Debt (Primary Dealers) 47:56 - Fasting w Lance & Christina Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lPCVe6O4LjM ------- Articles mentioned in this report: "Normal Interest Rates: What The Debt Panic Gets Wrong" https://realinvestmentadvice.com/resources/blog/normal-interest-rates-what-the-debt-panic-gets-wrong/ -------- Watch today's "Before the Bell" report, "Market Correction: Patience Pays," https://youtu.be/w_BcRBJ00Io ------- Watch our previous show, "Is the Basis Trade Distorting Bond Yields?" https://youtube.com/live/UtY2oV1kkXc ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #Bitcoin #MarketCorrection #InterestRates #TreasuryYields #BondMarket #Bitcoin #FederalReserve

Giving your kids a financial head start may be one of the most valuable lessons you can teach them. Richard Rosso & Jonathan McCarty explain how a Custodial Roth IRA can help children with earned income start building tax-free retirement wealth early, while learning the importance of saving, investing, and paying themselves first. We also discuss Roth IRA withdrawal rules, the potential transition from Trump Accounts to Roth IRAs, and how even a lemonade stand can become a lesson in long-term wealth building. Plus, we look back at Wall Street history, the value of financial writing, and why understanding the past can make you a better investor.   0:00 INTRO 0:21 - Magic Mike & $100 Hot Dogs 2:46 - Wall Street Magazines from Days of Yore 4:36 - The story of Richard & Cecilia Wycoff & Wall Street Magazine  10:50 - The best knowledge is history 17:17 - Giving Kids a Head Start on Retirement w Custodial Roth IRA's 19:22 - Benefits of Jump-starting Retirement 21:51 - Getting on the Pay-Yourself-First track 22:56 - Content Creators & Demise of Writing 25:49 - Withdrawing Contributions from Roth IRA's before 59-1/2 27:13 - Converting Trump Accounts to Roth & J. G. Wentworth 29:57 - Money Lessons from Roths & Lemonade Stands Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP  Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IqyxMopn1Uw?feature=share  ------- Watch our previous show, "Is Treasury Bailing Out the Bond Market?" https://youtube.com/live/9qhjXZbxkxs  ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- 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/ #RothIRA #RetirementPlanning #InvestingForKids #FinancialPlanning #RichardWycoff #CeciliaWycoff #WallStreetMagazine

More investors are turning to TikTok, YouTube, and other social-media platforms for financial advice. But how do you separate useful financial education from bad advice, speculation, and outright scams? Lance Roberts and Jonathan Penn discuss how to evaluate financial advice online, the warning signs investors should watch for, and why popularity, followers, and flashy lifestyles aren't substitutes for expertise. Social media can help people become better investors—but only if they know whom to trust. 0:00 INTRO 0:57 - FOMC Meeting Minutes Preview & Weaker Economic Data 3:26 - Will Earnings Tailwinds Fade in 2207? 5:12 - Market Deviations Continue - Downside Risk Remains 10:15 - Bond Yields & Abnormal Interest Rates (article coming) 16:45 - Why the National Debt is not a Factor in Interest Rates 19:42 - Momentum ETF's & Roth IRA's 27:47 - Shorting Strategies post-IPO? 30:10 - First Houses & Starter Homes 33:27 - Things Aren't That Bad... 37:37 - Buying Bonds and paying accrued interest 38:18 - Putting Money in 401-k 38:40 - Buying Energy Stocks Now? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "September Rally Test Ahead" https://youtu.be/j6w6g_kXQrU?si=zGfqusgrjAIu1jdN -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9qhjXZbxkxs ------- Articles mentioned in this report: "SpaceX IPO: Should I Buy It, Or Wait?" https://realinvestmentadvice.com/resources/blog/spacex-ipo-should-i-buy-it-or-wait/ "Leveraged ETFs: Math Often Trumps Hype" https://realinvestmentadvice.com/resources/blog/leveraged-etfs-math-often-trumps-hype/ "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch our previous show, "Can You Trust Financial Advice on Social Media? https://youtube.com/live/v6Wy7iLl-gQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Investing #MarketOutlook #FederalReserve #FederalReserve #InterestRates #Inflation #SpaceX #HomeBuyers

More investors are turning to TikTok, YouTube, and other social-media platforms for financial advice. But how do you separate useful financial education from bad advice, speculation, and outright scams? Lance Roberts and Jonathan Penn discuss how to evaluate financial advice online, the warning signs investors should watch for, and why popularity, followers, and flashy lifestyles aren't substitutes for expertise. Social media can help people become better investors—but only if they know whom to trust. 0:00 INTRO 1:02 - Don't Read Too Much Into Indexes 3:14 - Cap-X Spending: Space-X Data Center Grimes County Tax Abatement 5:14 - Market Factors & Dynamics (Momentum Index, Semi-conductor Index, IGV, Value Index, MGK Mega-cap stocks) 11:32 - The Myths of Long Term Investing - Pt-1 13:37 - The Great Wealth Transfer Fail 18:13 - Financial Advice on Social Media 19:47 - Sports Betting as Part of Financial Plan? 21:00 - How We Differ from the Other Guys on Social Media 24:26 - Four Buckets of Social Media Influencers 28:13 - What are They Selling? (Our stuff is free) 30:58 - The Thing About Newsletter Recommendations 32:05 - How Much Risk Can You Afford (and how will you behave)? 34:23 - The $3-T problem: Investors Still Holding Cash? 35:33 - Why the Negativity About Bonds? 38:56 - Why the Prices of Bonds Move (& the home buying conundrum) 43:25 - Looking at our allocations 44:25 - The "Cash on the Sidelines" Myth Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Why Your Portfolio Doesn't Match the Market," https://youtu.be/fYCwotrLSAM -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/v6Wy7iLl-gQ ------- Articles mentioned in this report: "Think Like An Investor, Not A Speculator (Chapter 1 of 5)" https://realinvestmentadvice.com/resources/blog/think-like-an-investor-chapter-1-of-5/ -------- Watch our previous show, "Record Highs: Should You Chase the Rally? https://youtube.com/live/c44_giKICEY?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #PortfolioManagement #SP500 #FinancialPlanning #SP500 #MarketOutlook #MarketRally #FinancialAdvice #SocialMedia

How much money do you really need to retire? Headlines touting a retirement “magic number” may do more harm than good, especially when an intimidating savings target becomes an excuse to give up. Richard Rosso & Jonathan McCarty explain why successful retirement planning isn't about reaching one arbitrary number. It's about building sustainable income around your actual spending, lifestyle, Social Security benefits, savings, and other resources. We also examine why many older workers now view Social Security as their retirement plan, whether Social Security alone can provide enough income, and how to build a realistic retirement strategy even if you're starting later or haven't saved as much as you hoped. The goal isn't to hit someone else's magic number. It's to create a retirement plan that works for you. 0:00 INTRO 0:48 - Social Security DLS Recap, Medicare Preview 3:29 - Financial Literacy Continues to Fall 6:35 - The 60/40 Portfolio kind of sucks this year 9:53 - Rampant Market Gambling - 11:01 - Investors are Keeping too Much Cash 13:41 - Mistakes People Make 17:19 - The Private Credit Mistake 22:49 - The Retirement Magic Number Fallacy 29:00 - Social Media & Reels 31:30 - Social Security Decisions 33:16 - Terrible Advice abounds - "Boiler Room" Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/vjIZ60E3B0I?feature=share ------- Articles mentioned in this report: "Abel Takes Charge at Berkshire Hathaway" https://realinvestmentadvice.com/resources/blog/abel-takes-charge-at-berkshire-hathaway/ -------- Watch our previous show, " ?" ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #SocialSecurity #RetirementSavings #PersonalFinance #FinancialPlanning

Fresh inflation data later this morning puts the Federal Reserve and the economy back in focus: Can inflation continue to cool despite higher energy prices? Is the weakening labor market increasing pressure on the Fed to cut rates? And with markets near record highs, should investors remain bullish, rebalance portfolios, or prepare for more volatility? Lance Roberts and Danny Ratliff answer your live questions on inflation, interest rates, the economy, markets, portfolio risk, and what investors should be watching next. 0:00 INTRO 1:01 - Inflation Day - CPI Preview 3:45 - Earning Season wrapping - earnings beats were high, buy backs return 4:35 - Markets Bank & Forth, consolidation continues 5:19 - Bullish Trend Continues - focus on what matters 9:27 - Bloomberg Poll - Living On Parents' Money & Adulting 14:57 - When buying stocks, how much does CEO matter? 17:07 - Tracking Gold Prices/Oil Prices/Inflation 18:25 - K-shaped Economy: When will weakening consumer matter? (Never bet against the consumer) 20:22 - AI Data Center Investment instruments: Revenue-generating asset class? 22:55 - Capital Gains Tax changes' effects on Boomer Retirement? 24:15 - Individual Bonds vs Bond Funds (SimpleVisor) 26:34 - US Treasuries & Yen intervention (FIMA Facility) 29:48 - Bond Yields at 5%+ - Good Time to Buy? 30:54 - CAPE Yields 31:23 - Are Buybacks Losing their Effectiveness? 33:20 - Is there circular-financing going on with Nvidia? 36:34 - What do you consider a long-duration bond? (Duration exceeds needs) 38:49 - What about Corporate Bonds? 39:56 - Earnings are fake? (Microsoft Operating Income) Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Why Bearish Headlines Keep Losing," https://youtu.be/ygeDd0d0XF8 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hl6lVuNeTYM ------- Articles mentioned in this report: "Abel Takes Charge at Berkshire Hathaway" https://realinvestmentadvice.com/resources/blog/abel-takes-charge-at-berkshire-hathaway/ -------- Watch our previous show, "What Really Drives Markets?" https://youtube.com/live/c9cOlFVLGoU ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #Earnings #PortfolioManagement #Inflation #FederalReserve #Economy

Fresh inflation data later this morning puts the Federal Reserve and the economy back in focus: Can inflation continue to cool despite higher energy prices? Is the weakening labor market increasing pressure on the Fed to cut rates? And with markets near record highs, should investors remain bullish, rebalance portfolios, or prepare for more volatility? Lance Roberts and Danny Ratliff answer your live questions on inflation, interest rates, the economy, markets, portfolio risk, and what investors should be watching next. 0:00 INTRO 1:01 - Inflation Day - CPI Preview 3:45 - Earning Season wrapping - earnings beats were high, buy backs return 4:35 - Markets Bank & Forth, consolidation continues 5:19 - Bullish Trend Continues - focus on what matters 9:27 - Bloomberg Poll - Living On Parents' Money & Adulting 14:57 - When buying stocks, how much does CEO matter? 17:07 - Tracking Gold Prices/Oil Prices/Inflation 18:25 - K-shaped Economy: When will weakening consumer matter? (Never bet against the consumer) 20:22 - AI Data Center Investment instruments: Revenue-generating asset class? 22:55 - Capital Gains Tax changes' effects on Boomer Retirement? 24:15 - Individual Bonds vs Bond Funds (SimpleVisor) 26:34 - US Treasuries & Yen intervention (FIMA Facility) 29:48 - Bond Yields at 5%+ - Good Time to Buy? 30:54 - CAPE Yields 31:23 - Are Buybacks Losing their Effectiveness? 33:20 - Is there circular-financing going on with Nvidia? 36:34 - What do you consider a long-duration bond? (Duration exceeds needs) 38:49 - What about Corporate Bonds? 39:56 - Earnings are fake? (Microsoft Operating Income) Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Why Bearish Headlines Keep Losing," https://youtu.be/ygeDd0d0XF8 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hl6lVuNeTYM ------- Articles mentioned in this report: "Abel Takes Charge at Berkshire Hathaway" https://realinvestmentadvice.com/resources/blog/abel-takes-charge-at-berkshire-hathaway/ -------- Watch our previous show, "What Really Drives Markets?" https://youtube.com/live/c9cOlFVLGoU ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #Earnings #PortfolioManagement #Inflation #FederalReserve #Economy

What really drives bull and bear markets? Lance Roberts & Jon Penn examine why corporate earnings remain one of the most important forces behind market performance. Rising profits can support bull markets, while significant earnings declines have historically accompanied the most severe bear markets. We also examine calls for “sound money” and a return to the gold standard. While concerns over debt, deficits, inflation, and dollar debasement are legitimate, a gold-backed dollar could have significant consequences for credit, economic growth, and investors. The key is separating economic concerns from the fundamental forces actually driving markets. 0:00 INTRO 1:01 - CPI Preview & Economic Numbers 4:51 - Markets Break Out to All-new Highs 10:15 - Birthday's & Beach Trips 12:13 - Emails to Lance - Back to Gold? 15:28 - Why We Invest 17:46 - Short-run Price Uncertainty 20:26 - The US as Reserve Currency of the World 21:30 - Real GDP vs Debt 24:38 - The Gold Standard Trap 25:53 - Gold's Role in Your Portfolio 29:26 - Earnings & Valuations - What to Pay Attention To? 31:57 - Markets are Constantly Pricing-in Earnings Expectations 33:17 - Earnings & Multiplier Performance History 34:56 - How We Rebalanced - Black Rock vs Goldman 36:16 - When Earnings Fall (chart) 39:05 - Credit Spread - The Differential Between Yields 43:02 - AI Credit Spreads are a Small Part of Market Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Market Highs Come With a Warning" https://youtu.be/3RiOabBiud4 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/c9cOlFVLGoU ------- Articles mentioned in this report: "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Sound Money: Be Careful What You Wish For" https://realinvestmentadvice.com/resources/blog/sound-money-be-careful-what-you-wish-for/ "Earnings Drive Both Bull & Bear Markets" https://realinvestmentadvice.com/resources/blog/earnings-drive-both-bull-bear-markets/ "Leveraged ETFs: Math Often Trumps Hype" -------- Watch our previous show, "Internet Scams You Need to Know - The Ari Schwartz Interview https://youtube.com/live/Azt1_vs16bA?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #MarketRisk #Volatility #Earnings #Gold #MarketOutlook

What really drives bull and bear markets? Lance Roberts & Jon Penn examine why corporate earnings remain one of the most important forces behind market performance. Rising profits can support bull markets, while significant earnings declines have historically accompanied the most severe bear markets. We also examine calls for "sound money" and a return to the gold standard. While concerns over debt, deficits, inflation, and dollar debasement are legitimate, a gold-backed dollar could have significant consequences for credit, economic growth, and investors. The key is separating economic concerns from the fundamental forces actually driving markets. 0:00 INTRO 1:01 - CPI Preview & Economic Numbers 4:51 - Markets Break Out to All-new Highs 10:15 - Birthday's & Beach Trips 12:13 - Emails to Lance - Back to Gold? 15:28 - Why We Invest 17:46 - Short-run Price Uncertainty 20:26 - The US as Reserve Currency of the World 21:30 - Real GDP vs Debt 24:38 - The Gold Standard Trap 25:53 - Gold's Role in Your Portfolio 29:26 - Earnings & Valuations - What to Pay Attention To? 31:57 - Markets are Constantly Pricing-in Earnings Expectations 33:17 - Earnings & Multiplier Performance History 34:56 - How We Rebalanced - Black Rock vs Goldman 36:16 - When Earnings Fall (chart) 39:05 - Credit Spread - The Differential Between Yields 43:02 - AI Credit Spreads are a Small Part of Market Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's "Before the Bell" premarket commentary, "Market Highs Come With a Warning" https://youtu.be/3RiOabBiud4 -------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/c9cOlFVLGoU ------- Articles mentioned in this report: "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Sound Money: Be Careful What You Wish For" https://realinvestmentadvice.com/resources/blog/sound-money-be-careful-what-you-wish-for/ "Earnings Drive Both Bull & Bear Markets" https://realinvestmentadvice.com/resources/blog/earnings-drive-both-bull-bear-markets/ "Leveraged ETFs: Math Often Trumps Hype" -------- Watch our previous show, "Internet Scams You Need to Know - The Ari Schwartz Interview https://youtube.com/live/Azt1_vs16bA?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #MarketRisk #Volatility #Earnings #Gold #MarketOutlook

8-7-26 Aging in Place - What to Consider More Americans want to age in place, but is staying in your home the best financial and lifestyle decision? Richard Rosso & Jonathan McCarty explore the real costs, benefits, and planning strategies behind one of retirement's biggest decisions. We discuss how neighborhoods, community connections, and changing retirement goals influence aging in place, while comparing the costs of home modifications with assisted living. We also examine emerging technologies—including AI companions, telehealth, smart-home monitoring, and wearable devices—that are reshaping independent living for older adults. Topics include long-term care planning, reverse mortgages and HECMs, Social Security and Medicare decisions, accommodating live-in caregivers, home safety upgrades, mental fitness, and why some older Boomers are choosing larger homes rather than downsizing. Whether you're planning for yourself or helping aging parents, this conversation offers practical financial insights for making informed decisions before a crisis forces your hand. 0:00 INTRO 0:19 - Aging Place Rationale & Evolution 2:30 - Neighborhoods & Community Spirit 5:29 - Progression of Goal Shifting 6:43 - Financial Guide - Aging in Place 10:52 - Eliminating Risks at Home 14:55 - Is Remaining at Home less Expensive than Assisted Living? 18:27 - Preparing for One vs Two Aging in Place: Future Technology 19:40 - The Demographics of AI Companions 20:15 - Surveillance Technology 22:36 -Children's Awareness of Long Term Care Coverage 23:27 - Home Bidets 25:11 - Understanding the trends & technology of Aging in Place 26:02 - Accommodating live-in caregivers 27:05 - Older Boomers Buying Bigger Homes trend 28:53 - After dinner dominos, cards, Mahjong, & Bingo 32:38 - Things to do for mental acuity - Elder Tech: Door Dash, Uber, Aura ring, etc. 35:44 - New Longevity Calculators & Telehealth 37:30 - Renovation vs Relocation 39:12 - Paying for the modifications - reverse mortgages & HECM's 41:04 - Smart decisions for SS & Medicare Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/H03YeyoVCkk ------- Articles mentioned in this report: "RIA E-Guide Library: Aging in Place" https://realinvestmentadvice.com/ria-e-guide-library/ -------- Watch our previous show, "The 60/40 Portfolio Is Not Dead" https://youtube.com/live/9KGokK9tGuA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #AgingInPlace #LongTermCare #PersonalFinance #Retirement

8-7-26 Aging in Place - What to Consider More Americans want to age in place, but is staying in your home the best financial and lifestyle decision? Richard Rosso & Jonathan McCarty explore the real costs, benefits, and planning strategies behind one of retirement's biggest decisions. We discuss how neighborhoods, community connections, and changing retirement goals influence aging in place, while comparing the costs of home modifications with assisted living. We also examine emerging technologies—including AI companions, telehealth, smart-home monitoring, and wearable devices—that are reshaping independent living for older adults. Topics include long-term care planning, reverse mortgages and HECMs, Social Security and Medicare decisions, accommodating live-in caregivers, home safety upgrades, mental fitness, and why some older Boomers are choosing larger homes rather than downsizing. Whether you're planning for yourself or helping aging parents, this conversation offers practical financial insights for making informed decisions before a crisis forces your hand. 0:00 INTRO 0:19 - Aging Place Rationale & Evolution 2:30 - Neighborhoods & Community Spirit 5:29 - Progression of Goal Shifting 6:43 - Financial Guide - Aging in Place 10:52 - Eliminating Risks at Home 14:55 - Is Remaining at Home less Expensive than Assisted Living? 18:27 - Preparing for One vs Two Aging in Place: Future Technology 19:40 - The Demographics of AI Companions 20:15 - Surveillance Technology 22:36 -Children's Awareness of Long Term Care Coverage 23:27 - Home Bidets 25:11 - Understanding the trends & technology of Aging in Place 26:02 - Accommodating live-in caregivers 27:05 - Older Boomers Buying Bigger Homes trend 28:53 - After dinner dominos, cards, Mahjong, & Bingo 32:38 - Things to do for mental acuity - Elder Tech: Door Dash, Uber, Aura ring, etc. 35:44 - New Longevity Calculators & Telehealth 37:30 - Renovation vs Relocation 39:12 - Paying for the modifications - reverse mortgages & HECM's 41:04 - Smart decisions for SS & Medicare Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/H03YeyoVCkk ------- Articles mentioned in this report: "RIA E-Guide Library: Aging in Place" https://realinvestmentadvice.com/ria-e-guide-library/ -------- Watch our previous show, "The 60/40 Portfolio Is Not Dead" https://youtube.com/live/9KGokK9tGuA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Medicare Planning: Everything You Need to Know Before You Enroll," Thursday, August 20, 2026: https://streamyard.com/watch/Qjx33M2tS4i4 --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #AgingInPlace #LongTermCare #PersonalFinance #Retirement

It's Q&A Wednesday, and we're answering your live chat questions on today's biggest investing, market, and economic topics. With the S&P 500 near record highs after weeks of consolidation, investors are asking what comes next. Is this breakout sustainable, or are markets setting up for another bout of volatility? Lance Roberts & Danny Ratliff discuss market leadership, interest rates, inflation, AI, bonds, portfolio positioning, retirement planning, and whatever else is on your mind. 0:00 INTRO 1:01 - AMD, Eli Lilly Earnings & Markets' New High 2:49 - Strait of Hormuz/Iran & Headlines 4:24 - Economic Data Weakens - JOLTS report 5:11 - The Thing About Consolidations & Breakouts 7:54 - Interest rates about to trigger bond buy signal 10:00 - Coffee & Keeping Lance Around 10:51 - Market Behavior & Investment Sentiment 12:19 - Core CPI vs Fed Funds Rate: Is the Fed wrong or the bond market wrong? 15:47 - Using Stablecoin to purchase international stocks 18:05 - Options strategies on parabolic moves 19:00 - US Debt Clock composition & Gold Purchases 23:16 - Will Yield Curve Control be eventually implemented? 24:50 - Is this a good week to rebalance? 27:18 - Investing in broad-market ETF's via SEP IRA 31:27 - Preferred Bonds vs Corp Bonds, & 60/40 Allocations 34:15 - Why you need inflation (why we invest) 39:28 - Understanding what you're buying (bonds) 42:17 - Emerging Market equities concentrated in PVR, VALE? 42:45 - Off balance Sheet AI Debt 43:14 - US purchase of Yen - a form of yield curve control? 46:49 - Traditional Pension + SS = ratio for equities? 48:25 - Two Types of Debt Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/HeU8LWC2rfo?feature=share ------- Articles mentioned in this report: "Bonds In Your Portfolio: Why Ditching Them Is The Wrong Move" https://realinvestmentadvice.com/resources/blog/bonds-in-your-portfolio-why-ditching-them-is-the-wrong-move/ "AI Bear Case: What Skeptics Get Right And Wrong" https://realinvestmentadvice.com/resources/blog/ai-bear-case-what-skeptics-get-right-and-wrong/ "The Momentum Crash: Is It Over?" https://realinvestmentadvice.com/resources/blog/the-momentum-crash-is-it-over/ -------- Watch today's "Before the Bell" premarket commentary, "New Highs, Now What?" https://youtu.be/K0SaWvIeYkQ ------- Watch our previous show, "The 60/40 Portfolio Is Not Dead" https://youtube.com/live/9KGokK9tGuA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Investing #Bonds #MarketOutlook FinancialPlanning #MarketOutlook

It's Q&A Wednesday, and we're answering your live chat questions on today's biggest investing, market, and economic topics. With the S&P 500 near record highs after weeks of consolidation, investors are asking what comes next. Is this breakout sustainable, or are markets setting up for another bout of volatility? Lance Roberts & Danny Ratliff discuss market leadership, interest rates, inflation, AI, bonds, portfolio positioning, retirement planning, and whatever else is on your mind. 0:00 INTRO 1:01 - AMD, Eli Lilly Earnings & Markets' New High 2:49 - Strait of Hormuz/Iran & Headlines 4:24 - Economic Data Weakens - JOLTS report 5:11 - The Thing About Consolidations & Breakouts 7:54 - Interest rates about to trigger bond buy signal 10:00 - Coffee & Keeping Lance Around 10:51 - Market Behavior & Investment Sentiment 12:19 - Core CPI vs Fed Funds Rate: Is the Fed wrong or the bond market wrong? 15:47 - Using Stablecoin to purchase international stocks 18:05 - Options strategies on parabolic moves 19:00 - US Debt Clock composition & Gold Purchases 23:16 - Will Yield Curve Control be eventually implemented? 24:50 - Is this a good week to rebalance? 27:18 - Investing in broad-market ETF's via SEP IRA 31:27 - Preferred Bonds vs Corp Bonds, & 60/40 Allocations 34:15 - Why you need inflation (why we invest) 39:28 - Understanding what you're buying (bonds) 42:17 - Emerging Market equities concentrated in PVR, VALE? 42:45 - Off balance Sheet AI Debt 43:14 - US purchase of Yen - a form of yield curve control? 46:49 - Traditional Pension + SS = ratio for equities? 48:25 - Two Types of Debt Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/HeU8LWC2rfo?feature=share ------- Articles mentioned in this report: "Bonds In Your Portfolio: Why Ditching Them Is The Wrong Move" https://realinvestmentadvice.com/resources/blog/bonds-in-your-portfolio-why-ditching-them-is-the-wrong-move/ "AI Bear Case: What Skeptics Get Right And Wrong" https://realinvestmentadvice.com/resources/blog/ai-bear-case-what-skeptics-get-right-and-wrong/ "The Momentum Crash: Is It Over?" https://realinvestmentadvice.com/resources/blog/the-momentum-crash-is-it-over/ -------- Watch today's "Before the Bell" premarket commentary, "New Highs, Now What?" https://youtu.be/K0SaWvIeYkQ ------- Watch our previous show, "The 60/40 Portfolio Is Not Dead" https://youtube.com/live/9KGokK9tGuA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Investing #Bonds #MarketOutlook FinancialPlanning #MarketOutlook

Is the classic 60/40 portfolio really obsolete, or are investors making a costly mistake by abandoning bonds? Lance Roberts & Jon Penn examine why fixed income still plays a critical role in portfolio construction, risk management, and long-term wealth preservation. We'll discuss why bonds remain valuable despite recent volatility, how they can improve diversification, and why chasing all-equity returns may expose investors to unnecessary risk. If you've been told that "bonds are dead," this conversation offers a different perspective backed by history and current market conditions. 0:00 INTRO 1:12 - Space-X First Report Preview 4:16 - Market Consolidation Continues 6:00 - Sometimes the Best Thing to Do is Nothing 8:57 - Space-X Options? 9:44 - 60/40 Portfolio is Dead? 13:41 - The Case Against Bonds 19:16 - Correlation Matters 24:09 Why Gold Does Not Belong in Bond Side of Portfolio 28:07 - Why We Own Certain Assets 31:02 - Understanding Beta 36:11 - Never Look at Bonds as a Hedge for Inflation 38:35 - Investing when it's "Safe" 39:36 - Inflation is not a Bad Thing 44:50 - Own Bonds, not ETF's Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9KGokK9tGuA ------- Articles mentioned in this report: "Bonds In Your Portfolio: Why Ditching Them Is The Wrong Move" https://realinvestmentadvice.com/resources/blog/bonds-in-your-portfolio-why-ditching-them-is-the-wrong-move/ "AI Bear Case: What Skeptics Get Right And Wrong" https://realinvestmentadvice.com/resources/blog/ai-bear-case-what-skeptics-get-right-and-wrong/ "The Momentum Crash: Is It Over?" https://realinvestmentadvice.com/resources/blog/the-momentum-crash-is-it-over/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Defy the Breakdown" https://youtu.be/Op2rlRHPdaU ------- Watch our previous show, "The Momentum Crash: Is It Over?" https://youtube.com/live/XLZMmL1p-H0 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Investing #TechnicalAnalysis #RiskManagement #Bonds #PortfolioManagement #RetirementPlanning #AssetAllocation

Is the classic 60/40 portfolio really obsolete, or are investors making a costly mistake by abandoning bonds? Lance Roberts & Jon Penn examine why fixed income still plays a critical role in portfolio construction, risk management, and long-term wealth preservation. We'll discuss why bonds remain valuable despite recent volatility, how they can improve diversification, and why chasing all-equity returns may expose investors to unnecessary risk. If you've been told that "bonds are dead," this conversation offers a different perspective backed by history and current market conditions. 0:00 INTRO 1:12 - Space-X First Report Preview 4:16 - Market Consolidation Continues 6:00 - Sometimes the Best Thing to Do is Nothing 8:57 - Space-X Options? 9:44 - 60/40 Portfolio is Dead? 13:41 - The Case Against Bonds 19:16 - Correlation Matters 24:09 Why Gold Does Not Belong in Bond Side of Portfolio 28:07 - Why We Own Certain Assets 31:02 - Understanding Beta 36:11 - Never Look at Bonds as a Hedge for Inflation 38:35 - Investing when it's "Safe" 39:36 - Inflation is not a Bad Thing 44:50 - Own Bonds, not ETF's Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9KGokK9tGuA ------- Articles mentioned in this report: "Bonds In Your Portfolio: Why Ditching Them Is The Wrong Move" https://realinvestmentadvice.com/resources/blog/bonds-in-your-portfolio-why-ditching-them-is-the-wrong-move/ "AI Bear Case: What Skeptics Get Right And Wrong" https://realinvestmentadvice.com/resources/blog/ai-bear-case-what-skeptics-get-right-and-wrong/ "The Momentum Crash: Is It Over?" https://realinvestmentadvice.com/resources/blog/the-momentum-crash-is-it-over/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Defy the Breakdown" https://youtu.be/Op2rlRHPdaU ------- Watch our previous show, "The Momentum Crash: Is It Over?" https://youtube.com/live/XLZMmL1p-H0 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #Investing #TechnicalAnalysis #RiskManagement #Bonds #PortfolioManagement #RetirementPlanning #AssetAllocation

Are you on track financially, or is it time for a mid-year course correction? In this episode, we walk through a comprehensive mid-year financial checklist designed to help investors and retirees prepare for the second half of the year. We'll discuss whether your portfolio allocation still matches your goals, why sector rotation matters, realistic expectations for investment returns, and the importance of updating retirement income plans. We also cover mid-year tax projections, Roth conversion strategies (including the often-overlooked downsides), charitable giving techniques, insurance reviews, and why knowing what your money is actually for may be the most important financial planning decision you make. We'll also touch on labor market trends, including what high-paying employers like Buc-ee's tell us about today's economy, and the growing role of AI and robot teachers in education. Whether you're planning for retirement, reducing taxes, reviewing insurance coverage, or refining your investment strategy, this checklist can help you finish the year on stronger financial footing. 0:00 INTRO 0:20 - Lettuce Memes, Future Shock, Bad Architecture, & Tiny Towns 7:12 - Market Frustrations & Sector Rotations 10:01 - Is Your Allocation Right for You? 13:25 - Robot Teachers in New York 15:11 - What Your Money is For... 16:37 - Expectations for Returns 20:36 - What You Can Make at Buc-cee's 22:29 - Mid-year Tax Projections 26:39 - Retirement Income Update, Charitable Intent & Micro-budgeting 30:02 - Charitable Remainder Trust 33:43 - Putting together a strategy for charitable giving 37:16 - The "Alt Side" of the Roth Conversion 41:06 - Insurance Review 42:44 - Savvy Social Security DLS Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2oESMTD2Cqg?feature=share ------- Watch our previous show, "Hyperscaler Credit: Warning or Opportunity?" https://youtube.com/live/lsx5FwAF_mQ -------- Watch today's "Before the Bell" premarket commentary, "Markets Consolidate as Sector Rotation Strengthens," https://youtu.be/pG8vxTC6oco ------- Watch our previous show, "7-30-26 Hyperscaler Credit: Warning or Opportunity?" https://youtube.com/live/lsx5FwAF_mQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #RetirementPlanning #Investing #TaxPlanning #WealthManagement

Are you on track financially, or is it time for a mid-year course correction? In this episode, we walk through a comprehensive mid-year financial checklist designed to help investors and retirees prepare for the second half of the year. We'll discuss whether your portfolio allocation still matches your goals, why sector rotation matters, realistic expectations for investment returns, and the importance of updating retirement income plans. We also cover mid-year tax projections, Roth conversion strategies (including the often-overlooked downsides), charitable giving techniques, insurance reviews, and why knowing what your money is actually for may be the most important financial planning decision you make. We'll also touch on labor market trends, including what high-paying employers like Buc-ee's tell us about today's economy, and the growing role of AI and robot teachers in education. Whether you're planning for retirement, reducing taxes, reviewing insurance coverage, or refining your investment strategy, this checklist can help you finish the year on stronger financial footing. 0:00 INTRO 0:20 - Lettuce Memes, Future Shock, Bad Architecture, & Tiny Towns 7:12 - Market Frustrations & Sector Rotations 10:01 - Is Your Allocation Right for You? 13:25 - Robot Teachers in New York 15:11 - What Your Money is For... 16:37 - Expectations for Returns 20:36 - What You Can Make at Buc-cee's 22:29 - Mid-year Tax Projections 26:39 - Retirement Income Update, Charitable Intent & Micro-budgeting 30:02 - Charitable Remainder Trust 33:43 - Putting together a strategy for charitable giving 37:16 - The "Alt Side" of the Roth Conversion 41:06 - Insurance Review 42:44 - Savvy Social Security DLS Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2oESMTD2Cqg?feature=share ------- Watch our previous show, "Hyperscaler Credit: Warning or Opportunity?" https://youtube.com/live/lsx5FwAF_mQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #RetirementPlanning #Investing #TaxPlanning #WealthManagement

It's Q&A Wednesday, and Lance Roberts & Danny Ratliff answer your questions from our YouTube Live chat while discussing one of the week's biggest market events: the Federal Reserve meeting. Will the Fed's latest decision change the market's direction, or is earnings season, inflation, and economic data driving the bigger story? We answer your questions on investing, portfolio management, retirement planning, market volatility, interest rates, AI stocks, and the economic headlines shaping investor decisions. 0:00 INTRO 0:53 - US/Iran Tit-for-tat, FOMC & Rates w No Forward Guidance 3:15 - Earnings Beat Rate at 83% 4:42 - Markets Languish Below 50-DMA 9:24 - Earnings Prelude 10:31 - What has raised living standards (defining "living standards") vs Happiness 15:40 - Social Media & comparisons to wrong benchmarks 17:26 - The Role of Moving Averages (and how we use them) 21:06 - Using Odd Moving Averages vs 20-, 50-, 100-DMA standards 22:10 - Buying Chinese Chip Stocks (or any International stocks)? 24:24 - Where to Find Earnings Estimates by Sectors 25:33 - Mag-7 performance, Microsoft, & Free Cash Flow 28:24 - Repatriation of Money to Japan? 29:36 - Will AI Improve Middle Class standards of Living? (Solo-preneurships) 32:44 - Should We Incentivize Young Couples to Have Children thru Tax Credits? 36:40 - Will Interest Rates & Inflation Continue to Move Up? 37:02 - Is GIS a Dividend Trap? 40:06 - Most pressing worry in current environment: What we don't know 40:33 - When Bear Sterns Collapsed... Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, DAnny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/NXuTqIZToX0 ------- Articles mentioned in this report: "AI Capex Depreciation Risk Is The Catch To Record Earnings" https://realinvestmentadvice.com/resources/blog/ai-capex-depreciation-risk-is-the-catch-to-record-earnings/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Consolidate as Sector Rotation Strengthens," https://youtu.be/pG8vxTC6oco ------- Watch our previous show, "Do You Really Know Your Risk Tolerance?" https://youtube.com/live/m3KZ1fbws2k ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FederalReserve #StockMarket #Investing #FinancialPlanning #QAWednesday #StockMarket #MarketRotation #Investing #SP500 #PortfolioManagement

It's Q&A Wednesday, and Lance Roberts & Danny Ratliff answer your questions from our YouTube Live chat while discussing one of the week's biggest market events: the Federal Reserve meeting. Will the Fed's latest decision change the market's direction, or is earnings season, inflation, and economic data driving the bigger story? We answer your questions on investing, portfolio management, retirement planning, market volatility, interest rates, AI stocks, and the economic headlines shaping investor decisions. 0:00 INTRO 0:53 - US/Iran Tit-for-tat, FOMC & Rates w No Forward Guidance 3:15 - Earnings Beat Rate at 83% 4:42 - Markets Languish Below 50-DMA 9:24 - Earnings Prelude 10:31 - What has raised living standards (defining "living standards") vs Happiness 15:40 - Social Media & comparisons to wrong benchmarks 17:26 - The Role of Moving Averages (and how we use them) 21:06 - Using Odd Moving Averages vs 20-, 50-, 100-DMA standards 22:10 - Buying Chinese Chip Stocks (or any International stocks)? 24:24 - Where to Find Earnings Estimates by Sectors 25:33 - Mag-7 performance, Microsoft, & Free Cash Flow 28:24 - Repatriation of Money to Japan? 29:36 - Will AI Improve Middle Class standards of Living? (Solo-preneurships) 32:44 - Should We Incentivize Young Couples to Have Children thru Tax Credits? 36:40 - Will Interest Rates & Inflation Continue to Move Up? 37:02 - Is GIS a Dividend Trap? 40:06 - Most pressing worry in current environment: What we don't know 40:33 - When Bear Sterns Collapsed... Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, DAnny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/NXuTqIZToX0 ------- Articles mentioned in this report: "AI Capex Depreciation Risk Is The Catch To Record Earnings" https://realinvestmentadvice.com/resources/blog/ai-capex-depreciation-risk-is-the-catch-to-record-earnings/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Consolidate as Sector Rotation Strengthens," https://youtu.be/pG8vxTC6oco ------- Watch our previous show, "Do You Really Know Your Risk Tolerance?" https://youtube.com/live/m3KZ1fbws2k ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FederalReserve #StockMarket #Investing #FinancialPlanning #QAWednesday #StockMarket #MarketRotation #Investing #SP500 #PortfolioManagement

Everyone says they're comfortable with investment risk—until markets actually decline. Lance Roberts & Jon Penn discuss why true risk tolerance isn't measured during bull markets but during periods of fear and uncertainty. We explain the difference between financial capacity and emotional tolerance, why investors often overestimate the amount of volatility they can handle, and how emotional decisions can permanently damage long-term returns. 0:00 INTRO 0:53 - Markets Building Downward Pressure 4:00 - Semi's in Momentum Trade 8:39 - Investor, Know Thyself 11:00 - Investing is Supposed to be Boring 14:02 - Waiting Until the Market is "Safe" 15:47 - Risk Knows No Age 21:06 - TOD vs POD - What's the Difference? 23:55 - What is Per Stirpes? 27:34 - Lance's Treasure Hunt 28:03 - Diversity of Accounts Is Not a Good Thing 28:03 - Diversity of Accounts Is Not a Good Thing 34:58 - The Value in Consolidation of Accounts 36:42 - SIPC Insurance and Bankruptcy 45:04 - At What Age...? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3KZ1fbws2k ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Bounce as Oil Retreats" https://youtu.be/-32Zu3-6gP8 ------- Watch our previous show, "AI's Earnings Catch: The Depreciation Risk" hhttps://youtube.com/live/5lrbGjrxvQY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Semiconductors #StockMarket #Investing #RiskManagement #ValueInvesting #RiskTolerance #FinancialPlanning #RetirementPlanning

Everyone says they're comfortable with investment risk—until markets actually decline. Lance Roberts & Jon Penn discuss why true risk tolerance isn't measured during bull markets but during periods of fear and uncertainty. We explain the difference between financial capacity and emotional tolerance, why investors often overestimate the amount of volatility they can handle, and how emotional decisions can permanently damage long-term returns. 0:00 INTRO 0:53 - Markets Building Downward Pressure 4:00 - Semi's in Momentum Trade 8:39 - Investor, Know Thyself 11:00 - Investing is Supposed to be Boring 14:02 - Waiting Until the Market is "Safe" 15:47 - Risk Knows No Age 21:06 - TOD vs POD - What's the Difference? 23:55 - What is Per Stirpes? 27:34 - Lance's Treasure Hunt 28:03 - Diversity of Accounts Is Not a Good Thing 28:03 - Diversity of Accounts Is Not a Good Thing 34:58 - The Value in Consolidation of Accounts 36:42 - SIPC Insurance and Bankruptcy 45:04 - At What Age...? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3KZ1fbws2k ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Bounce as Oil Retreats" https://youtu.be/-32Zu3-6gP8 ------- Watch our previous show, "AI's Earnings Catch: The Depreciation Risk" hhttps://youtube.com/live/5lrbGjrxvQY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Semiconductors #StockMarket #Investing #RiskManagement #ValueInvesting #RiskTolerance #FinancialPlanning #RetirementPlanning

Big Tech continues to post record earnings, but investors may be overlooking one critical risk: AI capital spending. Lance Roberts explains why today's AI spending boom could become tomorrow's accounting headwind, how depreciation affects corporate profitability, and why investors should look beyond headline earnings. 0:00 INTRO 1:01 - Elon Musk, former Trillionaire & Another Iran Cease-fire 5:34 - Markets Set to Open Sharply Higher 10:59 - Shopping w Mrs. Roberts & Back to College 13:09 - AI Depreciation Risk Impact on Earnings 16:40 - Valuations on EBITDA 19:11 - Hyperscalers' 2026 Estimates 20:25 - Focusing on Free Cash Flow--why?? 23:25 - Markets Have Already Priced-in Depreciation 25:20 - How to Best Evaluated Companies 27:38 - Are US Treasuries a Safe Asset? 33:34 - What Happens if Foreign Demand for Dollars Goes to Zero? 38:00 - The Only Thing that Matters: Duration 41:03 - Change in Duration is Not a Credit Event 42:37 - Why Buy US Treasuries? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5lrbGjrxvQY ------- Articles mentioned in this report: "AI Capex Depreciation Risk Is The Catch To Record Earnings" https://realinvestmentadvice.com/resources/blog/ai-capex-depreciation-risk-is-the-catch-to-record-earnings/ "Are US Treasuries Still A Safe Asset?" https://realinvestmentadvice.com/resources/blog/are-us-treasuries-still-a-safe-asset-copy/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Bounce as Oil Retreats" https://youtu.be/-32Zu3-6gP8 ------- Watch our previous show, "Financial Fitness Friday - Trump Accounts: What Parents Need to Know" https://youtube.com/live/UGqEJxQ6Fls?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #Gold #TechnicalAnalysis #ArtificialIntelligence #BigTech #Investing #MarketAnalysis

Big Tech continues to post record earnings, but investors may be overlooking one critical risk: AI capital spending. Lance Roberts explains why today's AI spending boom could become tomorrow's accounting headwind, how depreciation affects corporate profitability, and why investors should look beyond headline earnings. 0:00 INTRO 1:01 - Elon Musk, former Trillionaire & Another Iran Cease-fire 5:34 - Markets Set to Open Sharply Higher 10:59 - Shopping w Mrs. Roberts & Back to College 13:09 - AI Depreciation Risk Impact on Earnings 16:40 - Valuations on EBITDA 19:11 - Hyperscalers' 2026 Estimates 20:25 - Focusing on Free Cash Flow--why?? 23:25 - Markets Have Already Priced-in Depreciation 25:20 - How to Best Evaluated Companies 27:38 - Are US Treasuries a Safe Asset? 33:34 - What Happens if Foreign Demand for Dollars Goes to Zero? 38:00 - The Only Thing that Matters: Duration 41:03 - Change in Duration is Not a Credit Event 42:37 - Why Buy US Treasuries? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5lrbGjrxvQY ------- Articles mentioned in this report: "AI Capex Depreciation Risk Is The Catch To Record Earnings" https://realinvestmentadvice.com/resources/blog/ai-capex-depreciation-risk-is-the-catch-to-record-earnings/ "Are US Treasuries Still A Safe Asset?" https://realinvestmentadvice.com/resources/blog/are-us-treasuries-still-a-safe-asset-copy/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Bounce as Oil Retreats" https://youtu.be/-32Zu3-6gP8 ------- Watch our previous show, "Financial Fitness Friday - Trump Accounts: What Parents Need to Know" https://youtube.com/live/UGqEJxQ6Fls?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #Gold #TechnicalAnalysis #ArtificialIntelligence #BigTech #Investing #MarketAnalysis

What are Trump Accounts, and could they reshape how families save and invest for the next generation? Richard Rosso & Jonathan McCarty break down how Trump Accounts work, who qualifies, how they're funded, the role of employers and charitable contributions, and how these new custodial accounts compare with traditional UGMA and UTMA accounts. We also discuss investment choices, withdrawal rules, inflation considerations, and the potential addition of publicly traded securities. Beyond the mechanics, we explore the broader goal of improving financial literacy, raising financially responsible children, and avoiding the financial planning mistakes that can undermine long-term wealth. Whether you're a parent, grandparent, financial advisor, or simply curious about this new savings concept, we'll explain what matters most—and what questions still need answers. 0:00 INTRO 0:19 - Sleep Training & Trump Accounts 5:07 - Creating Financial Literacy Lessons? 8:51 - Evolution of Trump Accounts - How are they funded? 12:54 - Allowing publicly traded securities in Trump Accounts 14:51 - Employers' Contributions (Michael Dell donation) 15:53 - Custodial Account Aspects 18:55 - Making the first withdrawal 21:15 - E-bikes & Mopeds (Better Off Dead) 23:38 - UGMA's, UTMA's vs Trump Accounts 25:26 - The choices in Trump Accounts? 28:09 - Indexing for Inflation? 29:41 - The process & custodial choices 32:03 - The Charitable Donation angle 33:24 - The Financial Education Milestones with Trump Account funds 38:26 - Raising Financially Viable Children 40:43 - Financial Planning Minefields 43:38 - Final Thoughts on Trump Accounts Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UGqEJxQ6Fls?feature=share ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Eye Earnings as Oil Lifts Yields" https://youtu.be/rWpYjR1_Cxs ------- Watch our previous show, "Why Investors Keep Chasing What's Hot" https://youtube.com/live/-ZZA_xtFZGg?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TrumpAccounts #FinancialPlanning #FinancialLiteracy #Investing #RetirementPlanning

What are Trump Accounts, and could they reshape how families save and invest for the next generation? Richard Rosso & Jonathan McCarty break down how Trump Accounts work, who qualifies, how they're funded, the role of employers and charitable contributions, and how these new custodial accounts compare with traditional UGMA and UTMA accounts. We also discuss investment choices, withdrawal rules, inflation considerations, and the potential addition of publicly traded securities. Beyond the mechanics, we explore the broader goal of improving financial literacy, raising financially responsible children, and avoiding the financial planning mistakes that can undermine long-term wealth. Whether you're a parent, grandparent, financial advisor, or simply curious about this new savings concept, we'll explain what matters most—and what questions still need answers. 0:00 INTRO 0:19 - Sleep Training & Trump Accounts 5:07 - Creating Financial Literacy Lessons? 8:51 - Evolution of Trump Accounts - How are they funded? 12:54 - Allowing publicly traded securities in Trump Accounts 14:51 - Employers' Contributions (Michael Dell donation) 15:53 - Custodial Account Aspects 18:55 - Making the first withdrawal 21:15 - E-bikes & Mopeds (Better Off Dead) 23:38 - UGMA's, UTMA's vs Trump Accounts 25:26 - The choices in Trump Accounts? 28:09 - Indexing for Inflation? 29:41 - The process & custodial choices 32:03 - The Charitable Donation angle 33:24 - The Financial Education Milestones with Trump Account funds 38:26 - Raising Financially Viable Children 40:43 - Financial Planning Minefields 43:38 - Final Thoughts on Trump Accounts Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UGqEJxQ6Fls?feature=share ------- Articles mentioned in this report: "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ -------- Watch today's "Before the Bell" premarket commentary, "Markets Eye Earnings as Oil Lifts Yields" https://youtu.be/rWpYjR1_Cxs ------- Watch our previous show, "Why Investors Keep Chasing What's Hot" https://youtube.com/live/-ZZA_xtFZGg?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TrumpAccounts #FinancialPlanning #FinancialLiteracy #Investing #RetirementPlanning

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

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

Why do so many investors continue chasing yesterday's biggest winners? Whether it's Bitcoin, gold, silver, semiconductors, or the latest AI stock, the temptation to follow what's already surged can be difficult to resist. Lance Roberts & Jon Penn explore the psychology behind performance chasing, why investors constantly compare their portfolios to the market's hottest sectors, and how fear of missing out (FOMO) can quietly undermine long-term returns. 0:00 INTRO 0:51 - Cyclospora & Iranian Tit-for-Tat - Markets React 5:45 - Markets Unable to Hold 50-DMA 10:58 - Lettuce Pray 11:48 - The Peril of Chasing What is "Hot" 15:27 - How Wall Street Makes Money (on you) 17:29 - The Semi-Conductor Thesis 21:22 - The Myths of Long Term Investing & The Narratives 26:31 - Errors in Benchmarking Portfolios 31:47 - Margin Debt & the Measures that Matter 36:02 - The Pattern Day Trading Rule Change 37:41 - Why Speculative Trading Accounts are a Terrible Idea 39:22 - When Dollars Are at Critical Mass - Don't touch my principle 44:04 - Rebalancing Portfolios in Retirement 45:48 - It's Always All About Inflation Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Articles mentioned in this report: "Home Affordability: Better Than Headlines Suggest" https://realinvestmentadvice.com/resources/blog/home-affordability-today-is-better-than-the-headlines/ "Money: The 10 Immutable Laws Of Building Wealth" https://realinvestmentadvice.com/resources/blog/money-the-10-immutable-laws-of-building-wealth/ "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ "Greed And How To Lose 100% Of Your Money" https://realinvestmentadvice.com/resources/blog/greed-and-how-to-lose-100-of-your-money/ --- Watch today's "Before the Bell" premarket commentary, "Earnings Hold the Key" https://youtu.be/1Nm8E7UjxbY ------- Watch our previous show, "Why Retail Traders Keep Losing" https://youtube.com/live/neGG2EOd8SM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #Semiconductors #RiskManagement #PersonalFinance #WealthBuilding #LongTermInvesting

Why do so many investors continue chasing yesterday's biggest winners? Whether it's Bitcoin, gold, silver, semiconductors, or the latest AI stock, the temptation to follow what's already surged can be difficult to resist. Lance Roberts & Jon Penn explore the psychology behind performance chasing, why investors constantly compare their portfolios to the market's hottest sectors, and how fear of missing out (FOMO) can quietly undermine long-term returns. 0:00 INTRO 0:51 - Cyclospora & Iranian Tit-for-Tat - Markets React 5:45 - Markets Unable to Hold 50-DMA 10:58 - Lettuce Pray 11:48 - The Peril of Chasing What is "Hot" 15:27 - How Wall Street Makes Money (on you) 17:29 - The Semi-Conductor Thesis 21:22 - The Myths of Long Term Investing & The Narratives 26:31 - Errors in Benchmarking Portfolios 31:47 - Margin Debt & the Measures that Matter 36:02 - The Pattern Day Trading Rule Change 37:41 - Why Speculative Trading Accounts are a Terrible Idea 39:22 - When Dollars Are at Critical Mass - Don't touch my principle 44:04 - Rebalancing Portfolios in Retirement 45:48 - It's Always All About Inflation Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Articles mentioned in this report: "Home Affordability: Better Than Headlines Suggest" https://realinvestmentadvice.com/resources/blog/home-affordability-today-is-better-than-the-headlines/ "Money: The 10 Immutable Laws Of Building Wealth" https://realinvestmentadvice.com/resources/blog/money-the-10-immutable-laws-of-building-wealth/ "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ "Greed And How To Lose 100% Of Your Money" https://realinvestmentadvice.com/resources/blog/greed-and-how-to-lose-100-of-your-money/ --- Watch today's "Before the Bell" premarket commentary, "Earnings Hold the Key" https://youtu.be/1Nm8E7UjxbY ------- Watch our previous show, "Why Retail Traders Keep Losing" https://youtube.com/live/neGG2EOd8SM ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #Semiconductors #RiskManagement #PersonalFinance #WealthBuilding #LongTermInvesting

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

Markets rarely move in a straight line. Just like the weather, investing requires understanding both the headwinds that can slow markets down and the tailwinds that can keep the rally moving forward. Lance Roberts & Michael Lebowitz examine the key forces shaping today's investment landscape, including stretched valuations, investor sentiment, earnings expectations, interest rates, liquidity, and the continued influence of artificial intelligence. While several risks deserve close attention, there are also powerful catalysts that could continue supporting stocks in the months ahead. The goal is not to predict the next storm, but to recognize the environment and adjust portfolio risk accordingly. 0:00 INTRO 1:04 - Earnings and AI Exuberance 4:44 - Consolidation Process Continues 6:33 - Have Semi-conductors Earnings Expectations Peaked? 11:03 - Pizza, Pineapple, & Sam Houston's Chili 12:54 - Why Junk Bonds and Junkier Bonds are Trading Fine 16:07 - The Bifurcated Bond Market 18:35 - What Fund Gating Really Means 21:44 - Pay Attention to Credit Spreads 22:54 - Investor Sentiment & GDP Growth 25:53 - When the Yield Curve Was Wrong 29:34 - Headwinds & Forecasts (The Big Tailwind of AI Spending) 33:40 - The Cone of Uncertainty 38:15 - Watch the Indicators 39:57 - Semi-conductors Aren't Looking Good Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PA0HSeYexfE ------- Watch today's "Before the Bell" premarket commentary, "Semiconductor Warning as Markets Climb," https://youtu.be/9PJPUe3i390 ------- Watch our previous show, "Q&A Wednesday - CPI, Earnings, and Market Risks" https://youtube.com/live/zVjwV7l3kjw ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Nvidia #MarketOutlook #Investing #RiskManagement #FinancialPlanning

Markets rarely move in a straight line. Just like the weather, investing requires understanding both the headwinds that can slow markets down and the tailwinds that can keep the rally moving forward. Lance Roberts & Michael Lebowitz examine the key forces shaping today's investment landscape, including stretched valuations, investor sentiment, earnings expectations, interest rates, liquidity, and the continued influence of artificial intelligence. While several risks deserve close attention, there are also powerful catalysts that could continue supporting stocks in the months ahead. The goal is not to predict the next storm, but to recognize the environment and adjust portfolio risk accordingly. 0:00 INTRO 1:04 - Earnings and AI Exuberance 4:44 - Consolidation Process Continues 6:33 - Have Semi-conductors Earnings Expectations Peaked? 11:03 - Pizza, Pineapple, & Sam Houston's Chili 12:54 - Why Junk Bonds and Junkier Bonds are Trading Fine 16:07 - The Bifurcated Bond Market 18:35 - What Fund Gating Really Means 21:44 - Pay Attention to Credit Spreads 22:54 - Investor Sentiment & GDP Growth 25:53 - When the Yield Curve Was Wrong 29:34 - Headwinds & Forecasts (The Big Tailwind of AI Spending) 33:40 - The Cone of Uncertainty 38:15 - Watch the Indicators 39:57 - Semi-conductors Aren't Looking Good Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PA0HSeYexfE ------- Watch today's "Before the Bell" premarket commentary, "Semiconductor Warning as Markets Climb," https://youtu.be/9PJPUe3i390 ------- Watch our previous show, "Q&A Wednesday - CPI, Earnings, and Market Risks" https://youtube.com/live/zVjwV7l3kjw ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Nvidia #MarketOutlook #Investing #RiskManagement #FinancialPlanning

What if the biggest advantage in today's markets isn't making more trades or winning every debate—but knowing when to step back? Lance Roberts & Jon Penn examine two powerful ideas: why constantly trying to be "right" can actually hurt investment returns, and how today's financial markets increasingly resemble gambling platforms fueled by constant speculation, options trading, prediction markets, sports betting, and cryptocurrencies. 0:00 INTRO 0:51 - Banks' Earnings Soar on Trading Revenue 3:52 - Markets Continue Gravitating Along Rising 20-DMA 9:00 - Where Was Danny? 11:27 - What Happened w CPI (Bonds Are Always Right) 15:28 - Credit Spreads - Which One to Watch? 17:30 - Market Reaction to Iran War - What will next cause Correction? (How will this impact earnings?) 20:55 - Always expect Correction 27:27 - How to Track Buy-Now, Pay-later Debt? 30:20 - Dealing with Cash 32:51 - When You Have a Loser (explain) 33:38 - What Will Semi-conductors do Without Helium? 36:22 - Will Negative Guidance be a Catalyst for Pullback? 37:10 - Prioritization of Funding Retirement Vehicles 38:53 - IBM Announcement Translation 40:28 - What CPI, PPI Numbers mean (going to Costco) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/zVjwV7l3kjw ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #SectorRotation #Investing #TechnicalAnalysis #Semiconductors #OilPrices #RiskManagement #WealthBuilding

What if the biggest advantage in today's markets isn't making more trades or winning every debate—but knowing when to step back? Lance Roberts & Jon Penn examine two powerful ideas: why constantly trying to be "right" can actually hurt investment returns, and how today's financial markets increasingly resemble gambling platforms fueled by constant speculation, options trading, prediction markets, sports betting, and cryptocurrencies. 0:00 INTRO 0:51 - Banks' Earnings Soar on Trading Revenue 3:52 - Markets Continue Gravitating Along Rising 20-DMA 9:00 - Where Was Danny? 11:27 - What Happened w CPI (Bonds Are Always Right) 15:28 - Credit Spreads - Which One to Watch? 17:30 - Market Reaction to Iran War - What will next cause Correction? (How will this impact earnings?) 20:55 - Always expect Correction 27:27 - How to Track Buy-Now, Pay-later Debt? 30:20 - Dealing with Cash 32:51 - When You Have a Loser (explain) 33:38 - What Will Semi-conductors do Without Helium? 36:22 - Will Negative Guidance be a Catalyst for Pullback? 37:10 - Prioritization of Funding Retirement Vehicles 38:53 - IBM Announcement Translation 40:28 - What CPI, PPI Numbers mean (going to Costco) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/zVjwV7l3kjw ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #SectorRotation #Investing #TechnicalAnalysis #Semiconductors #OilPrices #RiskManagement #WealthBuilding

What if the biggest advantage in today's markets isn't making more trades or winning every debate—but knowing when to step back? Lance Roberts & Jon Penn examine two powerful ideas: why constantly trying to be "right" can actually hurt investment returns, and how today's financial markets increasingly resemble gambling platforms fueled by constant speculation, options trading, prediction markets, sports betting, and cryptocurrencies. 0:00 INTRO 0:54 - Mixed Market & Heightened VIX on Semi-conductors 4:41 - Markets Trying to Breakout of Wedge 9:18 - Candid Coffee Tease 10:01 - The Challenge of Investing in Current Market 12:18 - The Velocity of Information Makes us Worse Investors 18:15 - Being an Unemotional Investor - Be Like Spock 24:08 - Don't Benchmark Portfolio to High Water Mark 24:35 - We've Been Bred to Compete 26:07 - Gamification of Markets - 7 Rules of Poker 29:19 - When Enough is Enough 34:57 - Spotting Bubbles 36:12 - Using AI for Financial Advice 40:54 - AI is Not a Fiduciary 42:55 - Burt's Question on Solo 401k's & Roths Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Watch today's "Before the Bell" premarket commentary, "Oil, Chips, and a Market at Support," https://youtu.be/rk3wl-CHUKs ------- Watch our previous show, "Why Spotting Bubbles Is So Hard" https://youtube.com/live/7bEwrd8UCHM ------- Articles mentioned in this report: "Poker (Gambling) Can Teach You To Be A Better Investor" https://realinvestmentadvice.com/resources/blog/poker-gambling-can-teach-you-to-be-a-better-investor/ 'Spock And The Logic Based Approach To Volatility" https://realinvestmentadvice.com/resources/blog/spock-and-the-logic-based-approach-to-volatility/ "Spotting Market Bubbles: Why History Says It's Nearly Impossible" https://realinvestmentadvice.com/resources/blog/spotting-market-bubbles-why-history-says-its-nearly-impossible/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #OilPrices #TechnicalAnalysis #Investing #BehavioralFinance #LongTermInvesting #RiskManagement #WealthBuilding

What if the biggest advantage in today's markets isn't making more trades or winning every debate—but knowing when to step back? Lance Roberts & Jon Penn examine two powerful ideas: why constantly trying to be "right" can actually hurt investment returns, and how today's financial markets increasingly resemble gambling platforms fueled by constant speculation, options trading, prediction markets, sports betting, and cryptocurrencies. 0:00 INTRO 0:54 - Mixed Market & Heightened VIX on Semi-conductors 4:41 - Markets Trying to Breakout of Wedge 9:18 - Candid Coffee Tease 10:01 - The Challenge of Investing in Current Market 12:18 - The Velocity of Information Makes us Worse Investors 18:15 - Being an Unemotional Investor - Be Like Spock 24:08 - Don't Benchmark Portfolio to High Water Mark 24:35 - We've Been Bred to Compete 26:07 - Gamification of Markets - 7 Rules of Poker 29:19 - When Enough is Enough 34:57 - Spotting Bubbles 36:12 - Using AI for Financial Advice 40:54 - AI is Not a Fiduciary 42:55 - Burt's Question on Solo 401k's & Roths Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Watch today's "Before the Bell" premarket commentary, "Oil, Chips, and a Market at Support," https://youtu.be/rk3wl-CHUKs ------- Watch our previous show, "Why Spotting Bubbles Is So Hard" https://youtube.com/live/7bEwrd8UCHM ------- Articles mentioned in this report: "Poker (Gambling) Can Teach You To Be A Better Investor" https://realinvestmentadvice.com/resources/blog/poker-gambling-can-teach-you-to-be-a-better-investor/ 'Spock And The Logic Based Approach To Volatility" https://realinvestmentadvice.com/resources/blog/spock-and-the-logic-based-approach-to-volatility/ "Spotting Market Bubbles: Why History Says It's Nearly Impossible" https://realinvestmentadvice.com/resources/blog/spotting-market-bubbles-why-history-says-its-nearly-impossible/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #OilPrices #TechnicalAnalysis #Investing #BehavioralFinance #LongTermInvesting #RiskManagement #WealthBuilding

More families are experiencing the Boomerang Generation phenomenon, with adult children moving back home because of housing costs, student debt, career changes, or other life events. Before saying "yes," parents should understand the financial, legal, and retirement planning implications. Richard Rosso & Jonathan McCarty discuss how you can protect your retirement while helping your adult children, including household expenses, setting boundaries, estate planning considerations, and knowing when financial support helps—or hurts. Whether your adult children are moving back temporarily or never left the nest, having a clear plan can preserve both your finances and your family relationships. Subscribe for more insights on retirement planning, investing, personal finance, Social Security, and building long-term financial security. 0:00 INTRO 0:24 - McCarty's Contaminated Gasoline Tale 1:45 - Texas Stock Exchange Opens 3:35 - The Boomerang Generation - why is it happening? 6:00 - Where Younger Generations Want to Live & Financial Independence 9:57 - The Long Term Care Crisis Impact on Children 14:03 - Homebuilders' Response to Shifting Trends (Tiny Homes) 16:35 - Dealing with Lifestyle Creep 18:14 - Planning for Multi-family Living 20:34 - The Associated Costs of Moving Back Home 23:55 - Planning Pragmatically - Defining Purpose and Process 28:14 - Financial Expectations - Spending Tomorrow's Money 30:06 - Empty-nesting again 32:39 - Establishing Household Ground Rules 36:05 - The Long Term Care Dilemma & Care Giving 38:28 - Importance of Reviewing Insurance Needs - What to do with the Stuff 40:22 - Dealing with Tax Implications (Gifting, Home Purchases, etc) 42:01 - The Sibling Imbalances (Roth Conversions) 47:30 - What's the Exit Strategy; Lawnmowers & Socks 50:20 - The Emotional Impacts of Cohabitation 54:04 - Narrative Busters Tease - The Space-X Narrative, AI Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/gXj-QntdhK0?feature=share ------- Watch our previous show, "Q&A Wednesday" https://youtube.com/live/ua-paCoNRwo?feature=share ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #BoomerangGeneration #PersonalFinance #AdultChildren #FamilyFinance

More families are experiencing the Boomerang Generation phenomenon, with adult children moving back home because of housing costs, student debt, career changes, or other life events. Before saying "yes," parents should understand the financial, legal, and retirement planning implications. Richard Rosso & Jonathan McCarty discuss how you can protect your retirement while helping your adult children, including household expenses, setting boundaries, estate planning considerations, and knowing when financial support helps—or hurts. Whether your adult children are moving back temporarily or never left the nest, having a clear plan can preserve both your finances and your family relationships. Subscribe for more insights on retirement planning, investing, personal finance, Social Security, and building long-term financial security. 0:00 INTRO 0:24 - McCarty's Contaminated Gasoline Tale 1:45 - Texas Stock Exchange Opens 3:35 - The Boomerang Generation - why is it happening? 6:00 - Where Younger Generations Want to Live & Financial Independence 9:57 - The Long Term Care Crisis Impact on Children 14:03 - Homebuilders' Response to Shifting Trends (Tiny Homes) 16:35 - Dealing with Lifestyle Creep 18:14 - Planning for Multi-family Living 20:34 - The Associated Costs of Moving Back Home 23:55 - Planning Pragmatically - Defining Purpose and Process 28:14 - Financial Expectations - Spending Tomorrow's Money 30:06 - Empty-nesting again 32:39 - Establishing Household Ground Rules 36:05 - The Long Term Care Dilemma & Care Giving 38:28 - Importance of Reviewing Insurance Needs - What to do with the Stuff 40:22 - Dealing with Tax Implications (Gifting, Home Purchases, etc) 42:01 - The Sibling Imbalances (Roth Conversions) 47:30 - What's the Exit Strategy; Lawnmowers & Socks 50:20 - The Emotional Impacts of Cohabitation 54:04 - Narrative Busters Tease - The Space-X Narrative, AI Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/gXj-QntdhK0?feature=share ------- Watch our previous show, "Q&A Wednesday" https://youtube.com/live/ua-paCoNRwo?feature=share ------- Articles mentioned in this report: "Margin Debt Risk: The Ratios That Mislead Investors," https://realinvestmentadvice.com/resources/blog/margin-debt-risk-the-ratios-that-mislead-investors/ "Wage Growth As A Leading Inflation Indicator" https://realinvestmentadvice.com/resources/blog/wage-growth-as-a-leading-inflation-indicator/ "Mag 7 Stocks: Risk Or Opportunity In The Making?" https://realinvestmentadvice.com/resources/blog/mag-7-stocks-risk-or-opportunity-in-the-making/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #BoomerangGeneration #PersonalFinance #AdultChildren #FamilyFinance

The loss of a spouse is one of life's most difficult transitions, and for many retirees, it can also result in a significant reduction in Social Security income. Richard Rosso & Jonathan McCarty explain the Social Security "Widow's Penalty," why survivor benefits often leave widows and widowers with less household income, and the planning strategies that can help protect your retirement. We discuss the importance of delaying Social Security when appropriate, planning for life as a surviving spouse, Roth conversions, IRA withdrawal strategies, qualified charitable distributions (QCDs), and estate planning fundamentals that can help preserve wealth for the next generation. You'll also learn why communication between spouses is essential, how the step-up in basis can benefit heirs, why holding assets with large unrealized losses may create unintended consequences, and how thoughtful planning today can reduce financial stress tomorrow. If you're married, widowed, approaching retirement, or helping aging parents prepare for the future, this episode offers practical guidance on protecting both your income and your legacy. 0:00 INTRO 0:19 - America's 250th & Buc-cee's 5:42 - Narrative Busters & Stock Stories 6:48 - Commemorative SS Card 8:16 - American Ingenuity - Automotive Deep Scrub, Carpet Cleaning 12:40 - Widows' Penalty with Social Security 16:30 - How to plan for living single as Senior - Roth Conversions & IRA Withdrawals 18:25 - Importance of Delaying Social Security 22:41 - Importance of Estate Planning Basics 26:23 - Qualified Charitable Distributions to Reduce IRA RMD's 28:45 - Keeping the exemption for Two 31:02 - Importance of Communication - Who's Left Behind? 33:40 - Maximizing w Step Up in Basis - taking the losses before you pass 35:21 - Don't Die with Assets Holding Losses 39:21 - Closing thoughts - Plan Ahead & Catch Up Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iHJLWOZY4NQ ------- Watch our previous show, "Milton Friedman Was Mostly Right" https://youtube.com/live/qDTBlhH8YGY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SocialSecurity #WidowsPenalty #RetirementPlanning #EstatePlanning #FinancialPlanning

The loss of a spouse is one of life's most difficult transitions, and for many retirees, it can also result in a significant reduction in Social Security income. Richard Rosso & Jonathan McCarty explain the Social Security "Widow's Penalty," why survivor benefits often leave widows and widowers with less household income, and the planning strategies that can help protect your retirement. We discuss the importance of delaying Social Security when appropriate, planning for life as a surviving spouse, Roth conversions, IRA withdrawal strategies, qualified charitable distributions (QCDs), and estate planning fundamentals that can help preserve wealth for the next generation. You'll also learn why communication between spouses is essential, how the step-up in basis can benefit heirs, why holding assets with large unrealized losses may create unintended consequences, and how thoughtful planning today can reduce financial stress tomorrow. If you're married, widowed, approaching retirement, or helping aging parents prepare for the future, this episode offers practical guidance on protecting both your income and your legacy. 0:00 INTRO 0:19 - America's 250th & Buc-cee's 5:42 - Narrative Busters & Stock Stories 6:48 - Commemorative SS Card 8:16 - American Ingenuity - Automotive Deep Scrub, Carpet Cleaning 12:40 - Widows' Penalty with Social Security 16:30 - How to plan for living single as Senior - Roth Conversions & IRA Withdrawals 18:25 - Importance of Delaying Social Security 22:41 - Importance of Estate Planning Basics 26:23 - Qualified Charitable Distributions to Reduce IRA RMD's 28:45 - Keeping the exemption for Two 31:02 - Importance of Communication - Who's Left Behind? 33:40 - Maximizing w Step Up in Basis - taking the losses before you pass 35:21 - Don't Die with Assets Holding Losses 39:21 - Closing thoughts - Plan Ahead & Catch Up Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iHJLWOZY4NQ ------- Watch our previous show, "Milton Friedman Was Mostly Right" https://youtube.com/live/qDTBlhH8YGY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SocialSecurity #WidowsPenalty #RetirementPlanning #EstatePlanning #FinancialPlanning

Should you leave your old 401(k) with a former employer, roll it into an IRA, move it to a new employer's retirement plan, or consider another option? The right answer depends on your goals, investment choices, fees, taxes, and retirement timeline. Lance Roberts & Jon Penn examine the advantages and disadvantages of each option, including investment flexibility, creditor protection, Required Minimum Distributions (RMDs), fees, and the tax implications that could affect your long-term retirement strategy. We'll also explain why leaving your 401(k) where it is may be the best decision in some situations—and why rolling it over isn't always the automatic choice. If you're changing jobs, approaching retirement, or simply reviewing old retirement accounts, this discussion will help you make a more informed decision before moving your savings. 0:00 INTRO 0:48 - End of June - Start of July 2:25 - Google Goes to DJIA 4:43 - Maintain & Monitor Risk 8:35 - Man Caves & Kitchens 9:18 - I Need to Rollover My 401k to an IRA 15:16 - What to Do with Your 401k 17:04 - What You Lose in an IRA 20:55 - Is This a Bad Time to Invest? 25:57 - Binary Investors 27:33 - Gating Returns in Private Credit Funds 40:18 - Dollar Strength & Precious Metals 43:31 - Why You Should Keep Money in a 401k - vs IRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iHJLWOZY4NQ ------- Articles Mentioned in Today's Show: "Friedman Was Right, Just Mostly Misquoted" https://realinvestmentadvice.com/resources/blog/mitton-friedman-was-right-just-mostly-misquoted/ "Private Equity – Why Am I So Lucky?" https://realinvestmentadvice.com/resources/blog/private-equity-why-am-i-so-lucky/ ------- Watch today's "Before the Bell" premarket commentary, "Can Markets Break Out?" https://youtu.be/Cdk3OpxHkd4 ------- Watch our previous show, "Milton Friedman Was Mostly Right" https://youtube.com/live/qDTBlhH8YGY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #Investing #MarketOutlook #401k #RetirementPlanning #IRA #Retirement #FinancialPlanning

Should you leave your old 401(k) with a former employer, roll it into an IRA, move it to a new employer's retirement plan, or consider another option? The right answer depends on your goals, investment choices, fees, taxes, and retirement timeline. Lance Roberts & Jon Penn examine the advantages and disadvantages of each option, including investment flexibility, creditor protection, Required Minimum Distributions (RMDs), fees, and the tax implications that could affect your long-term retirement strategy. We'll also explain why leaving your 401(k) where it is may be the best decision in some situations—and why rolling it over isn't always the automatic choice. If you're changing jobs, approaching retirement, or simply reviewing old retirement accounts, this discussion will help you make a more informed decision before moving your savings. 0:00 INTRO 0:48 - End of June - Start of July 2:25 - Google Goes to DJIA 4:43 - Maintain & Monitor Risk 8:35 - Man Caves & Kitchens 9:18 - I Need to Rollover My 401k to an IRA 15:16 - What to Do with Your 401k 17:04 - What You Lose in an IRA 20:55 - Is This a Bad Time to Invest? 25:57 - Binary Investors 27:33 - Gating Returns in Private Credit Funds 40:18 - Dollar Strength & Precious Metals 43:31 - Why You Should Keep Money in a 401k - vs IRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iHJLWOZY4NQ ------- Articles Mentioned in Today's Show: "Friedman Was Right, Just Mostly Misquoted" https://realinvestmentadvice.com/resources/blog/mitton-friedman-was-right-just-mostly-misquoted/ "Private Equity – Why Am I So Lucky?" https://realinvestmentadvice.com/resources/blog/private-equity-why-am-i-so-lucky/ ------- Watch today's "Before the Bell" premarket commentary, "Can Markets Break Out?" https://youtu.be/Cdk3OpxHkd4 ------- Watch our previous show, "Milton Friedman Was Mostly Right" https://youtube.com/live/qDTBlhH8YGY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #Investing #MarketOutlook #401k #RetirementPlanning #IRA #Retirement #FinancialPlanning

Markets can remain resilient longer than many expect, but understanding what is fueling the rally is critical for managing risk and protecting long-term financial goals. Lance Roberts & Danny Ratliff tackle your questions about what is really driving stocks higher, whether earnings expectations are becoming too optimistic, the risks of narrow market leadership, portfolio positioning in today's environment, bonds, inflation, artificial intelligence, and what investors should be watching next. Here's a topical rundown of today's show: 0:00 - INTRO 0:50 - Micron Earnings Day 5:30 - Dollar Rally & Money Flows 6:38 - Markets Break Below Consolidation 10:51 - How We Spend Money 13:23 - Do All IPO's Go Down After Lock-up Period? 18:18 - Where do Foreign Money Flows Come From? 19:21 - What to Do When Markets Feel "Toppy?" 24:32 - Manage Your Money for Risk, not Beating an Index 26:21 - Promises vs Reality 29:19 - Explaining Preferred Stock, Bonds, Shares (& pecking order in Bankruptcy) 33:37 - Can a Continued Rally in the Dollar Impact Markets? 35:31 - Concerned about U.S. Gov't. Debt? 40:27 - Effects of Foreign Money Creation on Domestic Money Flows 44:30 - The Importance of Convexity in a Portfolio 47:39 - Olive Garden vs Italy Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/b7C0L0Sd2mU ------- Watch our previous show, "The New Rules of Portfolio Protection" https://youtube.com/live/donQO1t_hLs ------- Watch today's "Before the Bell" feature, "Micron Earnings: The Bar Is Too High" here: https://youtu.be/v7poBC45Le0 ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Micron #Semiconductors #StockMarket #EarningsSeason #Investing #FederalReserve #RetirementPlanning #MarketOutlook

Markets can remain resilient longer than many expect, but understanding what is fueling the rally is critical for managing risk and protecting long-term financial goals. Lance Roberts & Danny Ratliff tackle your questions about what is really driving stocks higher, whether earnings expectations are becoming too optimistic, the risks of narrow market leadership, portfolio positioning in today's environment, bonds, inflation, artificial intelligence, and what investors should be watching next. Here's a topical rundown of today's show: 0:00 - INTRO 0:50 - Micron Earnings Day 5:30 - Dollar Rally & Money Flows 6:38 - Markets Break Below Consolidation 10:51 - How We Spend Money 13:23 - Do All IPO's Go Down After Lock-up Period? 18:18 - Where do Foreign Money Flows Come From? 19:21 - What to Do When Markets Feel "Toppy?" 24:32 - Manage Your Money for Risk, not Beating an Index 26:21 - Promises vs Reality 29:19 - Explaining Preferred Stock, Bonds, Shares (& pecking order in Bankruptcy) 33:37 - Can a Continued Rally in the Dollar Impact Markets? 35:31 - Concerned about U.S. Gov't. Debt? 40:27 - Effects of Foreign Money Creation on Domestic Money Flows 44:30 - The Importance of Convexity in a Portfolio 47:39 - Olive Garden vs Italy Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/b7C0L0Sd2mU ------- Watch our previous show, "The New Rules of Portfolio Protection" https://youtube.com/live/donQO1t_hLs ------- Watch today's "Before the Bell" feature, "Micron Earnings: The Bar Is Too High" here: https://youtu.be/v7poBC45Le0 ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's "Forward Guidance" https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Micron #Semiconductors #StockMarket #EarningsSeason #Investing #FederalReserve #RetirementPlanning #MarketOutlook

Markets are near highs, but momentum is slowing, breadth remains narrow, buybacks are entering blackout periods, and investors are looking for ways to participate in gains without exposing themselves to a major drawdown. Lance Roberts & Jon Penn discuss practical portfolio protection strategies that don't require moving entirely to cash. Here's a topical rundown of today's show: 0:00 - INTRO 0:58 - End of Quarter Rebalancing Begins 4:25 - Markets to Retest 50-DMA 9:17 - How to Stay Invested Without Getting Burned 14:19 - Take Some Profits & Stay Disciplined 16:10 - Two Camps of Space-X 23:34 - The AI/Industrial Revolution 20:45 - The market is changing how we manage money 27:39 - Avoiding Catastrophic Loss of Capital 30:35 - 15 Rules of Risk Management 31:47 - How to Hedge Your Portfolio 36:21 - The Risk in Trading 40:14 - Bull markets Breed Confidence 43:42 - Be Careful of Narratives vs Market Behavior 45:24 - Remember How You React to Market Downturns (pain) 47:56 - Hedging Your Portfolio is not a Binary Issue Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/donQO1t_hLs ------- Watch our previous show, "hen Money Flows Meet a Hawkish Fed" https://youtube.com/live/UYxvj5axVTQ ------- Watch today's "Before the Bell" feature, "Quarter-End Rebalancing Hits Markets," here: https://youtu.be/REkG7SgcVhw ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #PortfolioManagement #MarketVolatility #Investing #RiskManagement #PortfolioProtection #RiskManagement #RetirementPlanning #InvestingStrategy #WealthManagement

Markets are near highs, but momentum is slowing, breadth remains narrow, buybacks are entering blackout periods, and investors are looking for ways to participate in gains without exposing themselves to a major drawdown. Lance Roberts & Jon Penn discuss practical portfolio protection strategies that don't require moving entirely to cash. Here's a topical rundown of today's show: 0:00 - INTRO 0:58 - End of Quarter Rebalancing Begins 4:25 - Markets to Retest 50-DMA 9:17 - How to Stay Invested Without Getting Burned 14:19 - Take Some Profits & Stay Disciplined 16:10 - Two Camps of Space-X 23:34 - The AI/Industrial Revolution 20:45 - The market is changing how we manage money 27:39 - Avoiding Catastrophic Loss of Capital 30:35 - 15 Rules of Risk Management 31:47 - How to Hedge Your Portfolio 36:21 - The Risk in Trading 40:14 - Bull markets Breed Confidence 43:42 - Be Careful of Narratives vs Market Behavior 45:24 - Remember How You React to Market Downturns (pain) 47:56 - Hedging Your Portfolio is not a Binary Issue Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/donQO1t_hLs ------- Watch our previous show, "hen Money Flows Meet a Hawkish Fed" https://youtube.com/live/UYxvj5axVTQ ------- Watch today's "Before the Bell" feature, "Quarter-End Rebalancing Hits Markets," here: https://youtu.be/REkG7SgcVhw ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's "Forward Guidance" https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #PortfolioManagement #MarketVolatility #Investing #RiskManagement #PortfolioProtection #RiskManagement #RetirementPlanning #InvestingStrategy #WealthManagement

Markets remain near record highs, but the technical backdrop is becoming more complex. Strong money flows continue to support asset prices, while a more hawkish Federal Reserve threatens to tighten financial conditions and limit upside potential. Lance Roberts looks at how liquidity, institutional flows, market momentum, and investor sentiment are interacting with Fed policy. We also explore whether technical support levels can withstand higher interest rates, what history suggests when liquidity and monetary policy diverge, and what investors should watch next as markets navigate this critical crossroads. Here's a topical rundown of today's show: 0:00 - INTRO 1:12 - FIFA Fever & Setting Up for July 5:32 - Portfolio Rebalancing & Buyback Blackout 11:34 - Alan Greenspan death at 100 16:42 - Markets Trading on Plumbing More than Fundamentals 21:06 - Market Inflows - Where's the money coming fron? 26:45 - Micron Quarterly Preview - Where's the risk? 30:25 - Market Breadth Concerns 32:58 - Where Does the Money Go? 34:51 - Market Mechanics Remain Strong 39:00 - When Everyone Agrees...(Bob Farrell Rule #9) 40:27 - Three Things to Watch 43:12 - The Risks are Real Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jon Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UYxvj5axVTQ ------- Watch our previous show, "Black Swans, SpaceX, & Retirement Reality" https://youtube.com/live/Rq8NxfiiG2I ------- Watch today's "Before the Bell" feature, "Market Pennant: Breakout or Breakdown?" here: https://youtu.be/tYu7hYTjg_g ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #PortfolioManagement #Investing #Semiconductors #FederalReserve #AlanGreenspanDeath #KevinWarsh #MarketAnalysis