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9 episodes with senior investment advisor
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3 episodes with senior investment advisor
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5 episodes with senior investment advisor
4 episodes with senior investment advisor
2 episodes with senior investment advisor
As the year comes to a close, young investors have a unique opportunity to make small moves that can compound into meaningful long-term results. In this episode, we walk through a practical, end-of-year checklist designed for early-career investors who want to stay organized, tax-aware, and financially disciplined. Lance Roberts & Jonathan Penn cover how to confirm you're capturing all available employer benefits, including 401(k) or 403(b) matches and vesting schedules. We also discuss how to think about Roth IRAs, HSAs, and other tax-advantaged accounts early in your career—when time is often your greatest asset. On the investment side, we review simple allocation checks, diversification risks, and why staying invested through volatility matters. We also highlight tax-smart considerations like capital gains awareness, loss harvesting, and stock-compensation planning for ESPPs and RSUs. Finally, we address the foundational elements of financial stability: emergency savings, cash management, credit health, and high-interest debt. This checklist is not about speculation—it's about building durable financial habits that support long-term wealth creation. 0:00 - INTRO 0:19 - Wealth by Brackets 3:39 - Will the Santa Rally be Delayed? 9:02 - Open Enrollment & Benefits Tips 16:12 - 401k/IRA Contributions & Employer Matches 24:26 - Investment Choices in 401k's 26:56 - Tracking Down old 401k's 29:38 - Understanding Vesting Schedules 32:29 - Catching Up in 401k 33:58 - Wills, Estate Plans, & Beneficiary Designations 36:26 - Checking for Leakage 39:55 - Annual Credit Report Review 41:18 - Comniog Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Data, Volatility & Santa Rally Risk," is here: https://youtu.be/gnorFZc1qM8 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Facing Your Financial Ghosts," here: https://www.youtube.com/watch?v=Ypp_HKgciow&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #SantaClausRally #Volatility #RiskManagement #StockMarketAnalysis #YoungInvestors #PersonalFinance #YearEndPlanning #InvestingBasics #FinancialWellness
Today's Q&A Wednesday is driven entirely by live YouTube chat questions, covering the market topics investors are most focused on right now. Lance Roberts & Danny Ratliff address real-time concerns around market volatility, Federal Reserve policy, interest rates, inflation, portfolio risk, asset allocation, and year-end positioning—without hype or speculation. This interactive session is designed to help investors better understand what matters, what doesn't, and how markets typically behave during periods of uncertainty. Rather than making predictions, we focus on context, probabilities, and risk management—answering your questions as they come in live. If you have a market question, join the conversation in the chat. If you're watching the replay, timestamps and chapter markers are included for easy navigation. 0:00 - INTRO 0:19 - Economic Data Disappoints 5:50 - Markets Re-Test 50-DMA 11:26 - Reindeer & Dwarfs 13:54 - Volatility Commentary 21:23 - Effects of the One Big Beautiful Bill on Charitable Donations 24:37 - Buybacks vs Dividends 26:42 - Expectations for Gold and Silver in 2026 33:25 - Economic Summit Tease 34:41 - TLT Shorts & Speculative Bets 37:37 - Best Portfolio Allocations for 2026 39:35 - What Investments Should NOT Be Held in a Roth IRA? 41:54 - RSI vs Value, MACD, & Volume Trading? 45:38 - Retiring at 63? 48:07 - Dealing with Future Risk 51:50 - Sectors and Stocks for 2026 56:07 - 403b's vs 457's 57:58 - Energy Plays for 2026 Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Consolidate After 50-DMA Test," is here: https://www.youtube.com/watch?v=X4PjkAGK804&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Year-End Checklist for Young Investors," here: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #StockMarketToday #TechnicalAnalysis #YearEndMarkets #RiskManagement #MarketQandA #InvestorQuestions #MarketVolatility #FedPolicy #RiskManagement
Today's Q&A Wednesday is driven entirely by live YouTube chat questions, covering the market topics investors are most focused on right now. Lance Roberts & Danny Ratliff address real-time concerns around market volatility, Federal Reserve policy, interest rates, inflation, portfolio risk, asset allocation, and year-end positioning—without hype or speculation. This interactive session is designed to help investors better understand what matters, what doesn't, and how markets typically behave during periods of uncertainty. Rather than making predictions, we focus on context, probabilities, and risk management—answering your questions as they come in live. If you have a market question, join the conversation in the chat. If you're watching the replay, timestamps and chapter markers are included for easy navigation. 0:00 - INTRO 0:19 - Economic Data Disappoints 5:50 - Markets Re-Test 50-DMA 11:26 - Reindeer & Dwarfs 13:54 - Volatility Commentary 21:23 - Effects of the One Big Beautiful Bill on Charitable Donations 24:37 - Buybacks vs Dividends 26:42 - Expectations for Gold and Silver in 2026 33:25 - Economic Summit Tease 34:41 - TLT Shorts & Speculative Bets 37:37 - Best Portfolio Allocations for 2026 39:35 - What Investments Should NOT Be Held in a Roth IRA? 41:54 - RSI vs Value, MACD, & Volume Trading? 45:38 - Retiring at 63? 48:07 - Dealing with Future Risk 51:50 - Sectors and Stocks for 2026 56:07 - 403b's vs 457's 57:58 - Energy Plays for 2026 Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Consolidate After 50-DMA Test," is here: https://www.youtube.com/watch?v=X4PjkAGK804&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Year-End Checklist for Young Investors," here: https://www.youtube.com/watch?v=3Wyudzh3naw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #StockMarketToday #TechnicalAnalysis #YearEndMarkets #RiskManagement #MarketQandA #InvestorQuestions #MarketVolatility #FedPolicy #RiskManagement
Everyone has financial ghosts—old decisions, forgotten expenses, or long-ignored habits that creep back into the present and shape our financial lives. In this episode, we explore three practical strategies to tackle your financial ghosts, reduce money stress, and build a healthier long-term financial foundation. Richard Rosso & Jonathan McCarty break down how to evaluate your household debt-to-income ratios, identify where spending silently grows, and improve the financial conversations inside your home. You'll learn how better awareness, open communication, and a disciplined review of expenses can help transform financial uncertainty into clarity and confidence. 0:00 - INTRO 0:19 - Coffee Stains & Christmas Movies 5:02 - Money Distress for the Holidays 8:15 - December is the Month to Review Financial History 14:45 - Set Financial Goals 17:35 - The Math of Monthly Payments 18:50 - Housing Expense Ratios 27:08 - Variable Expense Ratios 33:16 - Looking at Emergency Preparedness 36:22 - Money Communication is Key 39:32 - Communicate Financial Failures as Learning Opportunities 45:10 -Dealing with Instant Gratification 45:58 - Communicate Financial Intentions 46:47 - Christmas Tree Inflation & Rosso's Razzle Dazzle Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=fj0imDEqFLE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Volatility After the Fed," is here: https://youtu.be/gnorFZc1qM8 ------- Articles Mentioned in Today's Show: "Holiday Legacy Conversations" https://realinvestmentadvice.com/financial-survival-guides-gated/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Bifurcated Fed Cuts Rates: What's Next?" here: https://www.youtube.com/watch?v=bT1azosP1yk&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialWellness #MoneyMistakes #PersonalFinanceTips #DebtManagement #WealthBuilding
Everyone has financial ghosts—old decisions, forgotten expenses, or long-ignored habits that creep back into the present and shape our financial lives. In this episode, we explore three practical strategies to tackle your financial ghosts, reduce money stress, and build a healthier long-term financial foundation. Richard Rosso & Jonathan McCarty break down how to evaluate your household debt-to-income ratios, identify where spending silently grows, and improve the financial conversations inside your home. You'll learn how better awareness, open communication, and a disciplined review of expenses can help transform financial uncertainty into clarity and confidence. 0:00 - INTRO 0:19 - Coffee Stains & Christmas Movies 5:02 - Money Distress for the Holidays 8:15 - December is the Month to Review Financial History 14:45 - Set Financial Goals 17:35 - The Math of Monthly Payments 18:50 - Housing Expense Ratios 27:08 - Variable Expense Ratios 33:16 - Looking at Emergency Preparedness 36:22 - Money Communication is Key 39:32 - Communicate Financial Failures as Learning Opportunities 45:10 -Dealing with Instant Gratification 45:58 - Communicate Financial Intentions 46:47 - Christmas Tree Inflation & Rosso's Razzle Dazzle Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=fj0imDEqFLE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Volatility After the Fed," is here: https://youtu.be/gnorFZc1qM8 ------- Articles Mentioned in Today's Show: "Holiday Legacy Conversations" https://realinvestmentadvice.com/financial-survival-guides-gated/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Bifurcated Fed Cuts Rates: What's Next?" here: https://www.youtube.com/watch?v=bT1azosP1yk&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialWellness #MoneyMistakes #PersonalFinanceTips #DebtManagement #WealthBuilding
In this episode of the Canadian Podcast, Zak speaks with Tracey Lundell, Senior Investment Advisor and wealth management specialist with over 31 years of experience helping clients build, protect and transfer wealth with intention.Tracey works closely with business owners, executives, nonprofit organizations and pre retired and retired individuals who need advanced investment strategies, tax planning, fixed income expertise and long term wealth and philanthropic planning. She explains how personalized financial planning and disciplined investing create stability across market cycles.Based in British Columbia and serving clients across BC, Alberta, Ontario and Nova Scotia, Tracey shares insights on navigating complex financial decisions, preserving capital, planning for retirement and aligning wealth with values. She also discusses how innovation and client experience shape modern wealth management.The conversation explores Tracey's background, including her education at UBC, her Chartered Investment Manager designation, and why continuous learning matters in today's financial landscape. Tracey also highlights her lifelong commitment to community involvement and charitable leadership across Canada.This episode is ideal for anyone interested in wealth management, investing strategies, retirement planning, tax efficiency, legacy planning and using financial success to create long term impact.Learn More about Tracey by visiting: https://www.harbourfrontwealth.com/team-members/tracey-lundell/
Lance Roberts & Danny Ratliff review the growth outlook for the AI sector, the power-cost assumptions built into datacenter models, the economic effects of the “One Big Beautiful Bill,” and the $125 billion in tariff revenue collected this year—along with what tariffs really contribute to inflation. Additional topics include how to read 2x–3x standard deviations using Bollinger Band concepts, which data streams matter most (and where to find them), the link between inflation and economic growth, and practical insights on silver, ETF buy-and-hold strategies, NUA planning, valuation challenges when stocks trade at 25x earnings, and the realities of the “dollar debasement” narrative. As always, we approach these discussions pragmatically: no magic bullets, and market cycles end when they end. Use the chapter markers below to jump to any topic. 0:00 - INTRO 0:18 - Fed Day Anticipation 4:28 - More Market Volatility Possible Following Fed Meeting 9:14 - Getting ready for Santa 10:02 - Has the Fed given up on their inflation mandate? 13:31 - What's the impact on Long bonds? 15:35 - What is the outlook for AI sector growth? 18:30 -Do Datacenter owners use models assuming power subsidization? 19:06 - What is the impact on the economy from the One Big Beautiful Bill? 22:45 - How much in tariffs have been collected this year? $125-B 25:23 - Explain 2x, 3x standard deviations from average (Bollinger Band articles) 28:43 - What data to watch (and where can you find it)? 31:15 - Inflation: true impact of tariffs? True sources of Inflation: No inflation, no economic growth 35:37 - Silver: Advisors' Kryptonite? (Don't forget to take profits.) 39:29 - Is buy-and-hold with ETF's a good passive investing policy? 43:56 - Does it worry you that the treasury refi uses all T-bills? 45:18 - Is Dollar Debasement real? No--it's a narrative. 46:09 - Using NUA Tax Strategies 46:55 - Buying stocks at 25x 48-48 - Treasury Yields supply & demand dynamics 49:44 - Buying stocks at multiples and valuations 51:10 - Measuring risk in portfolio (60/40 allocation) 53:33 - Our pragmatism 54:36 - No magic bullet - bubbles pop when they pop (Chart: running trend line) 58:05 - Coming Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://bit.ly/3KQlkIK ------- The latest installment of our new feature, Before the Bell, "Market Pause Before the Fed: Time to Trim Risk?," is here: https://youtu.be/watJ1Jqsf-4 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Dealing with Debt & Smart Money Moves" here: https://www.youtube.com/watch?https://www.youtube.com/watch?v=1iPM7ef0BKg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #FedDecision #MarketVolatility #TechnicalAnalysis #BitcoinUpdate #MarketOutlook #BitcoinUpdate #FedMeeting #YearEndRally #InvestingQandA
It's Fed Day, and today's Live Q&A covers what investors should expect as markets position around the announcement, why volatility may pick up afterward, and how this week's action shapes the potential for a Santa Claus Rally. We also discuss whether the Fed has stepped back from its inflation mandate, what that means for long bonds, and how Treasury supply-and-demand dynamics factor into portfolio risk. Lance Roberts & Danny Ratliff review the growth outlook for the AI sector, the power-cost assumptions built into datacenter models, the economic effects of the "One Big Beautiful Bill," and the $125 billion in tariff revenue collected this year—along with what tariffs really contribute to inflation. Additional topics include how to read 2x–3x standard deviations using Bollinger Band concepts, which data streams matter most (and where to find them), the link between inflation and economic growth, and practical insights on silver, ETF buy-and-hold strategies, NUA planning, valuation challenges when stocks trade at 25x earnings, and the realities of the "dollar debasement" narrative. As always, we approach these discussions pragmatically: no magic bullets, and market cycles end when they end. Use the chapter markers below to jump to any topic. 0:00 - INTRO 0:18 - Fed Day Anticipation 4:28 - More Market Volatility Possible Following Fed Meeting 9:14 - Getting ready for Santa 10:02 - Has the Fed given up on their inflation mandate? 13:31 - What's the impact on Long bonds? 15:35 - What is the outlook for AI sector growth? 18:30 -Do Datacenter owners use models assuming power subsidization? 19:06 - What is the impact on the economy from the One Big Beautiful Bill? 22:45 - How much in tariffs have been collected this year? $125-B 25:23 - Explain 2x, 3x standard deviations from average (Bollinger Band articles) 28:43 - What data to watch (and where can you find it)? 31:15 - Inflation: true impact of tariffs? True sources of Inflation: No inflation, no economic growth 35:37 - Silver: Advisors' Kryptonite? (Don't forget to take profits.) 39:29 - Is buy-and-hold with ETF's a good passive investing policy? 43:56 - Does it worry you that the treasury refi uses all T-bills? 45:18 - Is Dollar Debasement real? No--it's a narrative. 46:09 - Using NUA Tax Strategies 46:55 - Buying stocks at 25x 48-48 - Treasury Yields supply & demand dynamics 49:44 - Buying stocks at multiples and valuations 51:10 - Measuring risk in portfolio (60/40 allocation) 53:33 - Our pragmatism 54:36 - No magic bullet - bubbles pop when they pop (Chart: running trend line) 58:05 - Coming Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=4v363w8PFNw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Pause Before the Fed: Time to Trim Risk?," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Dealing with Debt & Smart Money Moves" here: https://www.youtube.com/watch?https://www.youtube.com/watch?v=1iPM7ef0BKg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #FedDecision #MarketVolatility #TechnicalAnalysis #BitcoinUpdate #MarketOutlook #BitcoinUpdate #FedMeeting #YearEndRally #InvestingQandA
Debt can reshape a family, fracture relationships, and derail financial goals — especially when fraud or addiction is involved. Lance Roberts & Jonathan Penn address the importance of protecting your credit and financial future, and share four “good enough” financial moves to simplify money management without sacrificing results...strategies to cut through the noise and help you stay on track with less time, less stress, and fewer decisions. 0:00 - INTRO Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: ------- The latest installment of our new feature, Before the Bell, "12-9-25 Market Sloppiness Ahead of the Fed," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Bullish Case or Bearish Backdrop? The Real Market Setup for 2026" here: https://www.youtube.com/watch?v=tBXSsrMLmSA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #FedWeek #StockMarketToday #MarketVolatility #TechnicalAnalysis #DebtManagement #CreditFraud #MoneyMoves #FinancialPlanning #PersonalFinanceTips
Debt can reshape a family, fracture relationships, and derail financial goals — especially when fraud or addiction is involved. Lance Roberts & Jonathan Penn address the importance of protecting your credit and financial future, and share four "good enough" financial moves to simplify money management without sacrificing results...strategies to cut through the noise and help you stay on track with less time, less stress, and fewer decisions. 0:00 - INTRO 0:19 - Fed Day Preview - Fed Grammar Matters 5:10- Market Weakness is No Surprise 9:11 - The Myriad Versions of Credit Scores 11:15 - Check Your Credit Report Regularly 15:11 - Improving Your Credit Score 17:12 - Freezing Your Credit 18:38 - THe Credit Card Trap 24:21 - Mrs. Roberts' Christmas Decor 26:54 - Reverse Budgeting 30:42 - Savings Rate vs Rates of Return 30:42 - Savings Rate vs Rates of Return 37:30 - Using a Financial Advisor 39:41 - Setting Up for Financial Success 43:31 - Looking Out for Elderly Abuse Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=1iPM7ef0BKg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "12-9-25 Market Sloppiness Ahead of the Fed," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Bullish Case or Bearish Backdrop? The Real Market Setup for 2026" here: https://www.youtube.com/watch?v=tBXSsrMLmSA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #FedWeek #StockMarketToday #MarketVolatility #TechnicalAnalysis #DebtManagement #CreditFraud #MoneyMoves #FinancialPlanning #PersonalFinanceTips
What exactly are Trump Accounts, and who qualifies under the new expansion backed by Michael and Susan Dell's $6.25 billion donation? Lance Roberts and Danny Ratliff break down how the Dell Deal works, which families benefit, and why this initiative could reshape financial planning for millions of children. If you're a parent, grandparent, or financial planner, this is essential information about how these accounts may impact a child's financial future. 0:00 - INTRO 0:19 - Sloppy Trading Ahead 5:15 - Performance Dichotomy in AI Stocks 11:00 - Trump Accounts - Where's the Value? 12:19 - How it Works - The Devil is in the Details 16:12 - What is the Purpose - Use of the Funds? 17:39 - Where is the Financial Education? 19:17 - What About the Next Generation? 21:06 - The Reverse Mortgage parallel 23:06 - The Simple Solution 25:12 - The Government's Motives 28:35 - Trump Accounts vs 529 Plans 29:38 - Requirement for Financial Education 31:51 - How 401k Plans Have (not) Worked Out 33:22 - The Wealth Gap Problem 34:23 - Encouraging the Trades 37:21 - Lance's Rant - Early School Start Times
What exactly are Trump Accounts, and who qualifies under the new expansion backed by Michael and Susan Dell's $6.25 billion donation? Lance Roberts and Danny Ratliff break down how the Dell Deal works, which families benefit, and why this initiative could reshape financial planning for millions of children. If you're a parent, grandparent, or financial planner, this is essential information about how these accounts may impact a child's financial future. 0:00 - INTRO 0:19 - Sloppy Trading Ahead 5:15 - Performance Dichotomy in AI Stocks 11:00 - Trump Accounts - Where's the Value? 12:19 - How it Works - The Devil is in the Details 16:12 - What is the Purpose - Use of the Funds? 17:39 - Where is the Financial Education? 19:17 - What About the Next Generation? 21:06 - The Reverse Mortgage parallel 23:06 - The Simple Solution 25:12 - The Government's Motives 28:35 - Trump Accounts vs 529 Plans 29:38 - Requirement for Financial Education 31:51 - How 401k Plans Have (not) Worked Out 33:22 - The Wealth Gap Problem 34:23 - Encouraging the Trades 37:21 - Lance's Rant - Early School Start Times
It's a cornucopia of content episode for this Friday following Thanksgiving, and Richard Rosso and Jonathan McCarty bemoan the demise of the U.S. Penny, the fallacy of risk tolerance questionnaires, Rich's Financial Fitness Garage and creating Retirement income; plus Rich's salutation for Thanksgiving. 0:00 - INTRO 0:44 - The Demise of the U.S. Penny 4:54 - Financial Risk Surveys - Rich & Jonathan's Scores 11:05 - Rich's Fitness Garage - Creating Retirement Income 24:41 - Happy Thanksgiving to You!
Full market cycles matter more today than at any point in the last 15 years. Lance Roberts breaks down why valuations, history, and market structure all point to a simple truth: Every bull market is only half the story. The other half is the bear. Lance's approach isn't bullish or bearish. It's risk-focused. Your job as an investor isn't to predict the next crash—it's to avoid catastrophic losses that erase years of gains during the completion of a full market cycle. Lance and Danny Ratliff ponder Tariff Rebates and 50-year mortgages, and Lance and Michael Lebowitz pontificate on what Michael would do if he ran the Fed. Happy Thanksgiving, y'all! 0:00 - INTRO 0:18 - Full market Cycles Encompass Bulls & Bears 4:54 - A History of Markets' Performance 6:33 - Market Cycles Have Rhythm - The Wycoff Cycles 8:39 - There is No Evidence of Imminent Crash 10:14 - Full market Cycle Analyses 11:50 - Navigating Markets Now 14:25 - Betting Against Buffett 17:33 - Market Dynamics Can Drive Bull Markets for a While 20:12 - Tariff Rebates & 50-Year Mortgages 37:42 - What Would Michael Do (if he was Fed Chairman)
Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options
Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options
Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the “decumulation” phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies
Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the "decumulation" phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies
Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which “it'll never happen to me” benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the “fun stuff” like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits
Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which "it'll never happen to me" benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the "fun stuff" like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits
Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you've achieved financial independence. Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt: Why it's okay to enjoy what you've earned How to enjoy your wealth without overspending The emotional side of leaving the “accumulation” mindset Practical withdrawal and income strategies for peace of mind 0:19 - A Deluge of Data Coming 4:36 - Market Rotations and Maintaining Momentum 8:48 - Tariff Rebates & 50-Year Mortgages 15:43 - Spending in Retirement Without Regret 20:15 - What Will You Do in Retirement? 21:22 - Mrs. Roberts' Wiffleball Tournament 24:15 - What Will You Do with Your Time & Money? 26:24 - The Question of Longevity in Retirement 29:13 - It's Okay to Touch the Principle 32:43 - The Need for an Advocate 34:46 - Budgeting in Retirement 37:26 - What Do You Want to Do in Retirement? 40:01 - It's Okay to Spend Your Money
Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you've achieved financial independence. Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt: Why it's okay to enjoy what you've earned How to enjoy your wealth without overspending The emotional side of leaving the "accumulation" mindset Practical withdrawal and income strategies for peace of mind 0:19 - A Deluge of Data Coming 4:36 - Market Rotations and Maintaining Momentum 8:48 - Tariff Rebates & 50-Year Mortgages 15:43 - Spending in Retirement Without Regret 20:15 - What Will You Do in Retirement? 21:22 - Mrs. Roberts' Wiffleball Tournament 24:15 - What Will You Do with Your Time & Money? 26:24 - The Question of Longevity in Retirement 29:13 - It's Okay to Touch the Principle 32:43 - The Need for an Advocate 34:46 - Budgeting in Retirement 37:26 - What Do You Want to Do in Retirement? 40:01 - It's Okay to Spend Your Money
Generational money lessons never go out of style. In this episode, we revisit Depression-era financial wisdom — simple, hard-earned truths that built resilient families and lasting wealth. From living below your means to marrying a saver and learning practical skills, these principles have guided generations through both prosperity and hardship. We'll share 12 timeless money lessons that can help today's younger generation navigate debt, lifestyle inflation, and financial stress. These are the same habits that kept families afloat during the Great Depression — and they're just as relevant in today's high-cost, high-leverage economy. If you want your kids to build true financial independence — not just wealth on paper — this episode is a must-watch. 0:19 - Will the Government Reopen? 2:45 - Buy-the-Dip Crowd Returns 7:14 - Veterans' Day Salute 8:16 - Email - Teaching Finance to Kids 10:43 - Be Frugal - Shoes & Cars 18:14 - Budget is not a four-letter Word 21:04 The $1,200 Mechanic 27:46 - Avoid Long Term Debt 22:51 - Marry a Saver - Pre-Marital Advice 32:04 - Buying a Home - Less is More 33:06 - Funding Hobbies & Balancing Priorities 35:09 - Investing for the Long Term 37:20 - Know What You Own 39:18 - Learn the Basics of Home Repairs & Cooking 42:51 - The Problem of Subscriptions 43:43 - Don't Try to Keep Up with the Jones 46:55 - Live Like the Millionaire Next Door
Generational money lessons never go out of style. In this episode, we revisit Depression-era financial wisdom — simple, hard-earned truths that built resilient families and lasting wealth. From living below your means to marrying a saver and learning practical skills, these principles have guided generations through both prosperity and hardship. We'll share 12 timeless money lessons that can help today's younger generation navigate debt, lifestyle inflation, and financial stress. These are the same habits that kept families afloat during the Great Depression — and they're just as relevant in today's high-cost, high-leverage economy. If you want your kids to build true financial independence — not just wealth on paper — this episode is a must-watch. 0:19 - Will the Government Reopen? 2:45 - Buy-the-Dip Crowd Returns 7:14 - Veterans' Day Salute 8:16 - Email - Teaching Finance to Kids 10:43 - Be Frugal - Shoes & Cars 18:14 - Budget is not a four-letter Word 21:04 The $1,200 Mechanic 27:46 - Avoid Long Term Debt 22:51 - Marry a Saver - Pre-Marital Advice 32:04 - Buying a Home - Less is More 33:06 - Funding Hobbies & Balancing Priorities 35:09 - Investing for the Long Term 37:20 - Know What You Own 39:18 - Learn the Basics of Home Repairs & Cooking 42:51 - The Problem of Subscriptions 43:43 - Don't Try to Keep Up with the Jones 46:55 - Live Like the Millionaire Next Door
Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy
Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy
In this episode, we explore how today's investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We'll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you're a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide.
In this episode, we explore how today's investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We'll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you're a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide.
Julie's brand new Big Gorgeous Goals: Official Workbook can be ordered now! Grab your copy.Tracey Lundell shares her journey from banking to entrepreneurship, revealing how she built a wealth management company that breaks industry norms while providing better client service.With 30+ years of expertise in finance strategy, Tracey helps women investors and entrepreneurs navigate the complex world of wealth by building smart future-proof portfolios.Women often face unique challenges when it comes to finance and Tracey, with her tailored strategies that go beyond numbers, works closely with them to help align their investments with their entrepreneurial ambitions, life goals, and family legacies — whether it's women who are newly widowed, divorced, or suddenly in charge of managing an inheritance or severance.Currently a Senior Investment Advisor at Harbourfront Wealth Management, Tracey's approach to investment planning is deeply Canadian — fair, transparent, and sensitive to clients who need an extra layer of attention. She is industry-certified as a Chartered Investment Manager. Tracey is a passionate advocate of empowering women's financial futures and was recognized as one of the Top 50 Leading Women in Wealth in 2023. She has also been a consecutive Excellence Awardee for the Wealth Professional Advisor of the Year (2021-2024). You can connect with Tracey on her website or LinkedIn.Love the show or want to request a topic? Send us a text! (All submissions are anonymous, so if you'd like a reply, please include your email address!)You can connect with Julie on LinkedIn or Instagram. Find Julie's writing at her blog or by ordering her book Big Gorgeous Goals and the brand new official companion workbook! What did you think of this conversation? We'd love if you'd rate or review our show!
Taking profits sounds easy—until you try it with a smaller account. Lance Roberts & Jonathan Penn answer listeners' question about managing portfolios spread across myriad stocks, with allocations similar to the S&P 500. When positions are small, trimming into strength or reinvesting during market highs can feel nearly impossible. 0:19 - Profit Taking, Earnings, & FOMC Meeting Previews 4:48 - Market Bullishness Confirmed 10:05 - Managing Risk in Volatile Markets 13:55 - There's no Perfect Time 15:31 - Profit Taking in a C-fund 401k 21:05 - Taking Profits in Small Portfolios 23:11 - The Wisdom of Position Sizing 29:45 - What About Weighting in ETF's - There's no holy grail 34:36 - Documenting Allocation Models 39:01 - What Allocation Model is Best for You? 45:22 - The Three-legged Stool of Portfolio Returns 48:41 - Make Sure Portfolio Assets are not Correlated Together
Taking profits sounds easy—until you try it with a smaller account. Lance Roberts & Jonathan Penn answer listeners' question about managing portfolios spread across myriad stocks, with allocations similar to the S&P 500. When positions are small, trimming into strength or reinvesting during market highs can feel nearly impossible. 0:19 - Profit Taking, Earnings, & FOMC Meeting Previews 4:48 - Market Bullishness Confirmed 10:05 - Managing Risk in Volatile Markets 13:55 - There's no Perfect Time 15:31 - Profit Taking in a C-fund 401k 21:05 - Taking Profits in Small Portfolios 23:11 - The Wisdom of Position Sizing 29:45 - What About Weighting in ETF's - There's no holy grail 34:36 - Documenting Allocation Models 39:01 - What Allocation Model is Best for You? 45:22 - The Three-legged Stool of Portfolio Returns 48:41 - Make Sure Portfolio Assets are not Correlated Together
Medicare's Fall Open Enrollment runs from October 15 through December 7, and this is your chance to review, compare, and adjust your coverage for 2026. Richard Rosso & Jonathan McCarty review six crucial steps to help you make smarter Medicare choices — from evaluating plan changes and comparing drug coverage to avoiding common enrollment mistakes. Whether you're already on Medicare Advantage or reviewing Part D drug plans, understanding how to navigate this annual window could save you thousands in healthcare costs next year. 1:34 - Dealing w Medicare Open Enrollment 3:59 - Jonathan's Baby & Diaper Service 9:10 - Prescription Drug Formularies & Changes 12:11 - Shopping Around for Medicare Advantage Plans 17:56 - Recommended Alphabet Formula 21:15 - What Medicare Advantage is NOT 24:55 - Medicare Part-G Open Architecture 26:52 - Where to Start - ID Verification Woes 30:17 - The Medicare Plan Finder 34:34 - The RIA Medicare Screening Tool 43:34 - How and Where to Start Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: http://bit.ly/3KSVvYg ------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 20-DMA — Can It Hold?" is here: http://bit.ly/46WMYfq ------- Our Previous Show, "Capitalism: The Real Path to Wealth & Happiness" is here: https://www.youtube.com/watch?v=2zw3gGV13x0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MedicareOpenEnrollment #RetirementPlanning #MedicareAdvantage #FinancialEducation #HealthcareCosts
Medicare's Fall Open Enrollment runs from October 15 through December 7, and this is your chance to review, compare, and adjust your coverage for 2026. Richard Rosso & Jonathan McCarty review six crucial steps to help you make smarter Medicare choices — from evaluating plan changes and comparing drug coverage to avoiding common enrollment mistakes. Whether you're already on Medicare Advantage or reviewing Part D drug plans, understanding how to navigate this annual window could save you thousands in healthcare costs next year. 1:34 - Dealing w Medicare Open Enrollment 3:59 - Jonathan's Baby & Diaper Service 9:10 - Prescription Drug Formularies & Changes 12:11 - Shopping Around for Medicare Advantage Plans 17:56 - Recommended Alphabet Formula 21:15 - What Medicare Advantage is NOT 24:55 - Medicare Part-G Open Architecture 26:52 - Where to Start - ID Verification Woes 30:17 - The Medicare Plan Finder 34:34 - The RIA Medicare Screening Tool 43:34 - How and Where to Start Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: http://bit.ly/3KSVvYg ------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 20-DMA — Can It Hold?" is here: http://bit.ly/46WMYfq ------- Our Previous Show, "Capitalism: The Real Path to Wealth & Happiness" is here: https://www.youtube.com/watch?v=2zw3gGV13x0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MedicareOpenEnrollment #RetirementPlanning #MedicareAdvantage #FinancialEducation #HealthcareCosts
Federal Reserve Chair Jerome Powell just hinted that the Fed may soon pause its balance-sheet runoff — a potential shift that could reshape market liquidity and investor sentiment. Lance Roberts & Danny Ratliff break down: * Why the Fed may pause QT — and what it signals about financial conditions. * How ending balance-sheet runoff affects liquidity, yields, and asset prices. * What history tells us about QT pauses and subsequent market rallies. * Why the Fed's portfolio composition (Treasuries vs. MBS) still matters for inflation and housing. * Portfolio tactics if the liquidity tide begins to turn. 0:19 - Markets' Rally on Powell QT Comments 4:16 - Speculation Continues on Wall St 8:40 - Childhood Bedtimes & Digital Devices 14:36 Is Quantitative Tightening About to End? 16:55 - What is the Result of Easing QT? 19:37 - Where's the Risk: Private Credit/Equity 21:12 - The Fed's Moral Hazard & History of Bailouts 26:01 - How Would a Failure of FNMA Loans Affect the Economy? 28:34 - What Led to the 2007-2008 Financial Crisis 32:13 - The Bigger Risk of Too Much Money Chasing Too Few Deals 35:45 - The Last Stages of Asset Development 40:11 - IRS Rules Changes for Roths 45:12 - Comming Attractions Whether the Fed is stabilizing the system or setting up the next round of excess — it's a key inflection point investors can't ignore.
Federal Reserve Chair Jerome Powell just hinted that the Fed may soon pause its balance-sheet runoff — a potential shift that could reshape market liquidity and investor sentiment. Lance Roberts & Danny Ratliff break down: * Why the Fed may pause QT — and what it signals about financial conditions. * How ending balance-sheet runoff affects liquidity, yields, and asset prices. * What history tells us about QT pauses and subsequent market rallies. * Why the Fed's portfolio composition (Treasuries vs. MBS) still matters for inflation and housing. * Portfolio tactics if the liquidity tide begins to turn. 0:19 - Markets' Rally on Powell QT Comments 4:16 - Speculation Continues on Wall St 8:40 - Childhood Bedtimes & Digital Devices 14:36 Is Quantitative Tightening About to End? 16:55 - What is the Result of Easing QT? 19:37 - Where's the Risk: Private Credit/Equity 21:12 - The Fed's Moral Hazard & History of Bailouts 26:01 - How Would a Failure of FNMA Loans Affect the Economy? 28:34 - What Led to the 2007-2008 Financial Crisis 32:13 - The Bigger Risk of Too Much Money Chasing Too Few Deals 35:45 - The Last Stages of Asset Development 40:11 - IRS Rules Changes for Roths 45:12 - Comming Attractions Whether the Fed is stabilizing the system or setting up the next round of excess — it's a key inflection point investors can't ignore.
Are annuities the safe retirement solution they're sold as — or a financial trap in disguise? Lance Roberts & Jonathan Penn unpack the good, the bad, and the ugly sides of annuities. 10:03 - Kitchen Sets & Intramural Flag Football 14:52 - Annuities - Good, Bad, & Ugly 18:08 - What is an Annuity? 20:16 - Different Flavors of Annuities 22:07 - The Ugly Truth About Early Surrender Fees 27:29 - Why Might You Need an Annuity? 31:20 - Three Reasons You'd Need an Annuity 34:36 - Annuities Should Be Planned, not Sold 38:14 - Why Buy an Annuity Instead of Investing in the Market? 41:00 - One More Reason... 43:25 - Are There Inflation-adjusted Annuities? 47:05 - Are Annuities Divorce-proof? 48:59 - Lance's Marriage Advice 49:52 - Tax Deferral Options 51:59 - More Marriage Advice - His & Her Money Whether you're considering a fixed, variable, or indexed annuity, this episode will help you separate sales pitch from sound strategy — so you can decide if annuities deserve a place in your portfolio.
Are annuities the safe retirement solution they're sold as — or a financial trap in disguise? Lance Roberts & Jonathan Penn unpack the good, the bad, and the ugly sides of annuities. 10:03 - Kitchen Sets & Intramural Flag Football 14:52 - Annuities - Good, Bad, & Ugly 18:08 - What is an Annuity? 20:16 - Different Flavors of Annuities 22:07 - The Ugly Truth About Early Surrender Fees 27:29 - Why Might You Need an Annuity? 31:20 - Three Reasons You'd Need an Annuity 34:36 - Annuities Should Be Planned, not Sold 38:14 - Why Buy an Annuity Instead of Investing in the Market? 41:00 - One More Reason... 43:25 - Are There Inflation-adjusted Annuities? 47:05 - Are Annuities Divorce-proof? 48:59 - Lance's Marriage Advice 49:52 - Tax Deferral Options 51:59 - More Marriage Advice - His & Her Money Whether you're considering a fixed, variable, or indexed annuity, this episode will help you separate sales pitch from sound strategy — so you can decide if annuities deserve a place in your portfolio.
Christopher Dembik, Senior Investment Advisor at Pictet, says suspending France's pension reform would pose one of the biggest risks to the country's fiscal outlook. He spoke to host Stephen Carroll in Paris on "Bloomberg Daybreak Europe".See omnystudio.com/listener for privacy information.
In your 30s, 40s, or 50s, life gets busy—and money decisions get complicated. Many professionals fall into the same midlife financial traps that quietly erode their future wealth. Lance Roberts & Jon Penn unpack seven common midlife money mistakes that can derail your long-term goals—from lifestyle creep and poor diversification to credit card debt and get-rich-quick schemes. Learn how to stay focused, protect your growing assets, and build financial independence while managing the real pressures of midlife. 0:19 - Taco Tuesday & Gov't. Shutdown Day-7 4:23 - Is the Rising Trend Line About to End? 10:53 -Mid-life Crises & Dealing w Debt 17:31 - Christina's Amazon Budget & Nutcracker Fetish 19:40 - Mission Creep & Budget Leakage 24:20 - The Danger of Using Credit Cards for Points 29:09 - Hard Money Lending & Usury 32:51 - Trade Your Way to Wealth & Other Get-rich-quick schemes 36:06 - Inflation's Effects on Purchasing Power 37:58 - Markets Can Make You Appear Smarter than You Are 39:06 - Get Debt Free 41:17 - Why You Should Never, Ever, Never, Ever Borrow from Your 401k 47:15 - The Truth About Bankruptcy 49:09 - Coming Attractions
In your 30s, 40s, or 50s, life gets busy—and money decisions get complicated. Many professionals fall into the same midlife financial traps that quietly erode their future wealth. Lance Roberts & Jon Penn unpack seven common midlife money mistakes that can derail your long-term goals—from lifestyle creep and poor diversification to credit card debt and get-rich-quick schemes. Learn how to stay focused, protect your growing assets, and build financial independence while managing the real pressures of midlife. 0:19 - Taco Tuesday & Gov't. Shutdown Day-7 4:23 - Is the Rising Trend Line About to End? 10:53 -Mid-life Crises & Dealing w Debt 17:31 - Christina's Amazon Budget & Nutcracker Fetish 19:40 - Mission Creep & Budget Leakage 24:20 - The Danger of Using Credit Cards for Points 29:09 - Hard Money Lending & Usury 32:51 - Trade Your Way to Wealth & Other Get-rich-quick schemes 36:06 - Inflation's Effects on Purchasing Power 37:58 - Markets Can Make You Appear Smarter than You Are 39:06 - Get Debt Free 41:17 - Why You Should Never, Ever, Never, Ever Borrow from Your 401k 47:15 - The Truth About Bankruptcy 49:09 - Coming Attractions
Why do we invest? The answer goes far beyond just making money. Lance Roberts & Jonathan Penn, Two Dads on Money, break down the most important reasons people put their money to work in the markets. Lance and Jon also show why investing is not just for Wall Street professionals—it's for everyone. Whether you're just starting out or refining your long-term strategy, this episode will give you a clear framework for why investing is essential for financial freedom and peace of mind. 0:19 - Quarter-end Rebalancing & Potential Gove't Shutdown 6:14 - Pay Attention to the US Dollar 12:49 - Why & How We Invest: Real Estate & FOMO 18:41 - Trade Like a Pro - Not a Gambler 23:27 - Dealing w Emotions as Investors 25:28 - When Life Happens - Car Batteries & Tires 31:53 - The Major Reason We Invest: Growing Savings Faster than Inflation 37:28 - Market Compounding is a Myth 38:49 - Why Money Sitting in Cash for Opportunity 41:06 - Next Week's Show Preview
Why do we invest? The answer goes far beyond just making money. Lance Roberts & Jonathan Penn, Two Dads on Money, break down the most important reasons people put their money to work in the markets. Lance and Jon also show why investing is not just for Wall Street professionals—it's for everyone. Whether you're just starting out or refining your long-term strategy, this episode will give you a clear framework for why investing is essential for financial freedom and peace of mind. 0:19 - Quarter-end Rebalancing & Potential Gove't Shutdown 6:14 - Pay Attention to the US Dollar 12:49 - Why & How We Invest: Real Estate & FOMO 18:41 - Trade Like a Pro - Not a Gambler 23:27 - Dealing w Emotions as Investors 25:28 - When Life Happens - Car Batteries & Tires 31:53 - The Major Reason We Invest: Growing Savings Faster than Inflation 37:28 - Market Compounding is a Myth 38:49 - Why Money Sitting in Cash for Opportunity 41:06 - Next Week's Show Preview
College planning season is here — and the last quarter of 2025 brings critical deadlines for students and parents. Jonathan Penn and Sarah Buenger break down what you need to know about FAFSA, scholarships, and smart funding strategies for higher education.
College planning season is here — and the last quarter of 2025 brings critical deadlines for students and parents. Jonathan Penn and Sarah Buenger break down what you need to know about FAFSA, scholarships, and smart funding strategies for higher education.
Are we really on the edge of a recession—or are investors just overthinking the signals? Beyond unemployment and consumer spending, unusual data points like men's underwear sales, cardboard box demand, and even giant Halloween skeleton purchases are popping up as quirky economic indicators. Lance Roberts & Danny Ratliff break down: • Traditional recession signals like jobless claims, consumer spending, and market fundamentals. • Technical market warnings investors can't ignore. • Why strange metrics like cardboard boxes and holiday spending trends might reveal cracks in the economy. • The psychology driving investors to go “all in” or “head for the exits.” SEG-1a: The Dichotomy of Economic Data SEG-1b: When Stocks are "Richly Valued" SEG-2a: The Economic Indicators of Recession SEG-2b: Strange Economic Indicators SEG-2c: The Giant Skeleton Indicator SEG-2d: When Will Indicators Change? SEG-2e: How Gig Workers Skew Employment Data SEG-2f: What Would an Impending Recession Mean to the Stock Market? SEG-2g: A Change in Quarterly Reporting? SEG-2h: What If We Went Back to the Lows of April? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=UKIv4RZn6sE&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Jerome Powell's Alan Greenspan Moment" is here: https://www.youtube.com/watch?v=nKShoQvDm38&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Two Dads on Money: Spotting Red Flags in Financial Advisors," is here: https://www.youtube.com/watch?v=kLQnqk_I9Ow&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #JeromePowell #StockMarketUpdate #PreMarketAnalysis #OverboughtMarkets #MarketVolatility #AlanGreenspan #RichlyValued #RecessionIndicators #StockMarketAnalysis #EconomicSignals #MarketFundamentals #InvestingInsights #InvestingAdvice #Money #Investing
Not all financial advisors are created equal. Lance Roberts & Jonathan Penn break down the biggest red flags you should watch out for before trusting someone with your financial future. From hidden fees to pushy sales tactics, we'll show you how to separate the pros from the pretenders. Whether you're interviewing a new advisor or reviewing your current one, these insights will help you protect your money and make smarter decisions.
Not all financial advisors are created equal. Lance Roberts & Jonathan Penn break down the biggest red flags you should watch out for before trusting someone with your financial future. From hidden fees to pushy sales tactics, we'll show you how to separate the pros from the pretenders. Whether you're interviewing a new advisor or reviewing your current one, these insights will help you protect your money and make smarter decisions.
It's Fed Day – the most anticipated event for markets this month. The Federal Reserve's rate decision and Jerome Powell's press conference could shape the direction for stocks, bonds, and the economy heading into year-end. Lance Roberts & Danny Ratliff break down: • What the Fed is likely to announce today • The impact on interest rates, inflation, and growth • How markets ($SPY, $QQQ, bonds, gold) typically react to Fed decisions • Why risk management matters as volatility rises around policy changes Stay tuned for clear insights on how today's FOMC meeting could set the tone for investors into Q4.
It's Fed Day – the most anticipated event for markets this month. The Federal Reserve's rate decision and Jerome Powell's press conference could shape the direction for stocks, bonds, and the economy heading into year-end. Lance Roberts & Danny Ratliff break down: • What the Fed is likely to announce today • The impact on interest rates, inflation, and growth • How markets ($SPY, $QQQ, bonds, gold) typically react to Fed decisions • Why risk management matters as volatility rises around policy changes Stay tuned for clear insights on how today's FOMC meeting could set the tone for investors into Q4.
Should you invest actively or stick with indexing? Lance Roberts & Jonathan Penn break down five different strategies investors use to build wealth, reduce risk, and stay ahead of the market. From active stock picking to index fund simplicity, we'll explore the pros, cons, and real-world applications of each approach so you can better understand how they fit into your financial plan.
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