Down the Middle

Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Listen to Peter’s and Jonathan’s recap of 2021: https://creativeplanning.com/education/podcast/episode-33-the-financial-lessons-of-2021/Learn more about tax-loss harvesting: https://creativeplanning.com/education/article/explainer-video-tax-loss-harvesting/ Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hear more about inflation concerns: https://creativeplanning.com/education/podcast/episode-32-todays-retro-investor-worry-stagflation/Read more about NFTs and meme stocks: https://creativeplanning.com/education/letter/spacs-nfts-and-gamestop/Hear more about cryptocurrency: https://creativeplanning.com/education/podcast/episode-26-up-for-debate/ Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hear more about inflation and the labor market: https://creativeplanning.com/education/podcast/episode-31-pumpkin-spice-economics-breaking-down-what-youre-seeing-with-labor-markets-and-inflation/Hear even more about inflation: https://creativeplanning.com/education/podcast/episode-29-inflation-still-heating-up/Read more about different types of inflation: https://creativeplanning.com/education/letter/inflation/Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

To read and hear more about inflation: https://creativeplanning.com/education/letter/inflation/, https://creativeplanning.com/education/podcast/episode-29-inflation-still-heating-up/To hear more about Roth IRA conversions: https://creativeplanning.com/education/podcast/all-you-need-to-know-about-roth-ira-conversions/To learn more about the “backdoor” Roth strategy: https://creativeplanning.com/education/article/explainer-video-backdoor-roth-ira-strategy/ Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Inflation continues to top investors' worries. But is it transitory or here to stay? Creative Planning's Peter Mallouk and Jonathan Clements discuss the different types of inflation, which can have long-term detrimental effects on your portfolio, and what you can do to help mitigate its effects. Hosted by Creative Planning Director of Financial Education Jonathan Clements and President Peter Mallouk, Down the Middle takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Pundits have recently been slapping the “bubble” label on the real estate market. Should you be worried? Creative Planning’s Peter Mallouk and Jonathan Clements discuss how real estate is part consumption and part investment, and the roles it can play within your overall financial picture. Also, Peter describes the motivation behind Creative Planning’s new financial education center, Pathway Financial Education. Hosted by Creative Planning Director of Financial Education, Jonathan Clements, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Investors' latest fear: rampant inflation. Should we be worried--and what does it mean for our finances? Creative Planning's Peter Mallouk and Jonathan Clements look at the evidence of higher inflation and consider the implications.Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Creative Planning's Peter Mallouk and billionaire Mark Cuban have two bets going, with the winner determined by performance over the next 10 years. Peter put his money on the S&P 500, while Mark backed two cryptocurrencies and two individual stocks. Who will win? In this month's podcast, Peter and co-host Jonathan Clements discuss the two wagers.Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

GameStop. Bitcoin. AMC. Special purpose acquisition companies. NFTs. These aren't just the hottest topics on Wall Street. As Creative Planning's Peter Mallouk and Jonathan Clements discuss, they're also great examples of key behavioral finance phenomena. Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

The economy is up, bonds are down and stocks are waffling. But what should investors do? Creative Planning's Peter Mallouk and Jonathan Clements take a look at the latest market action.Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Peter and Jonathan discuss Reddit traders, hedge funds, skyhigh valuations, miserably low bond yields and the outlook for 2021. Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Peter and Jonathan discuss what you shouldn't do in the year ahead, including listening to market pundits, loading up on recent investment winners and procrastinating on crucial financial tasks. Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Peter and Jonathan discuss how 2020 has been unique in many ways, yet validates our long held beliefs. Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

The election results are unfolding and the markets are shrugging. Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

In this episode, Peter and Jonathan discussThe electionHave the markets really moved beyond COVID-19?Bond yieldsRecord home sales Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Are Wall Street and Main Street disconnected?Elections and the markets.How to handle IRA beneficiaries under the new tax laws.We each give our tip of the month. Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hosted by Creative Planning Director of Financial Education Jonathan Clements and President Peter Mallouk, this month’s podcast looks closely at why the markets are performing in ways that are surprising - and even counterintuitive - to what many investors and observers might expect. On a macro level, Peter and Jonathan discuss how the upcoming election season may influence the markets, and on a micro level, steps that individuals and families can take if they’re feeling insecure in their employment or their ability to meet their monthly expenses.Time Stamps: [0:00] – Why markets are still up amid the uncertainty[3:05] – How high-tech stocks are getting big-time results[6:58] – The market tensions of election season[11:05] – Avoiding financial overreaction to changes in leadership[14:00] – What to do if the hoped-for recovery (or your job) falls through[20:40] – Peter and Jonathan’s tips of the monthHosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hosted by Creative Planning Director of Financial Education Jonathan Clements and President Peter Mallouk, this month’s podcast looks closely at where markets stand through several distinct Covid-19 phases. They also discuss how a few companies have swayed market indexes including the S&P 500; mid-year moves to better your family’s financial picture; and why rebalancing at predetermined times - like the end of a calendar quarter or year - can miss the point of rebalancing altogether. Time Stamps: [0:00] – 4 phases of Covid-19 (so far!), and the associated market impacts[4:05] – Why the markets are surprisingly strong, all things considered[7:35] – What’s giving hope to foreign stocks’ performance - finally[9:55] – Fine-tuning your financial picture amid the havoc[15:05] – Opportunities as unique as the year 2020[17:05] – Peter and Jonathan’s tips of the monthHosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips! Important Legal Disclosure: http://bit.ly/2DC250bHave questions or topic suggestions? Email us @ [email protected]

Hosted by Creative Planning Director of Financial Education Jonathan Clements and President Peter Mallouk, this month’s podcast looks closely at the far-reaching economic impacts of Covid-19. They also discuss the pandemic’s acceleration of brands’ transitions; why foreign bonds are currently a no-win proposition; and how you just might locate long-lost assets among the rubble. Time Stamps: [0:00] – Bear Market rally from S&P decline of 34%[3:27] – Pandemic’s effect on corporate earnings[6:00] – Bonds’ performance through the downturn[10:24] – How the Federal deficit and investors are impacted[12:20] – Assets’ allocation vs. location[14:20] – Peter and Jonathan’s tips of the month

Hosted by Creative Planning Director of Financial Education Jonathan Clements and President Peter Mallouk, this month’s podcast looks closely at locking in financial benefits amid economic uncertainty. They also discuss what’s rallying the Bear Market; the types of companies that are leading the way; and the role of tech stocks and their sustainability. Time Stamps: [0:00] – The Bear Market rally, and why it’s happening[3:10] – The when - not if - of recovery[7:00] – How large-cap stocks and tech companies are dominating[10:30] – Alphabet soup recovery types[14:23] – What you can do NOW![22:22] – Peter and Jonathan’s tips of the month Important legal disclosure: http://bit.ly/2DC250b

Hosted by Creative Planning Director of Financial Education Jonathan Clements and President Peter Mallouk, this month’s podcast looks at the coronavirus and its impacts on the markets. Our hosts discuss how investors can reasonably respond based on data and precedent, and what’s to be learned going forward. And of course, Jonathan and Peter share their tips of the month!Time Stamps: [0:00] – Coronavirus and its effects on markets[4:16] – Investor responses to the coronavirus [6:10] – What the recovery may look like [10:50} – The value of diversification and bonds[12:39] – Peter Mallouk’s tip of the month[13:00] – Jonathan Clements’ tip of the month

[0:00] – When to revisit your estate plan and beneficiary designations[4:40] – What life insurance is - and isn’t[7:00] – How to spend February 29, your extra day this year[11:40] – Jonathan Clements’ tip of the month[13:30] – Peter Mallouk’s tip of the monthHosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!

Time Stamps:[0:00] – Happy New Year, and Happy Birthday, Jonathan![0:35] – New Year’s resolutions – why they fail, and how they can succeed[7:00] – The dangers of calendar-based wealth management[11:00] – Harvest tax losses all year long, if needed[11:40] – Peter Mallouk’s tip of the month[13:00] - Jonathan Clements’ tip of the month Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips! Important legal disclosure: http://bit.ly/2DC250b

Time Stamps: [0:00] – What’s going on in Great Britain?[1:15] – The escalating Private Equity market[5:15] – How REITs can rule in real estate investing[7:25] – Why the time may be right for a Roth IRA conversion[10:00] – Tax-impacting moves to make by December 31 – Don’t Delay![11:10] – Strategic uses for a Donor Advised Fund[12:10] – Why not to miss your IRA’s full annual Required Minimum Distribution[13:00] – How a Qualified Charitable Distribution can be a difference-maker at tax time[13:50] – Using non-performing assets to your advantage[14:10] – The risk associated with making a late-year, large-sum mutual fund investment[15:05] – Peter Mallouk’s tip of the month[17:05] - Jonathan Clements’ tip of the month Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips! Important legal disclosure: http://bit.ly/2DC250b

Time Stamps:[0:00] – When to claim Social Security[10:27] – Coping with a financial emergency[13:20] – Funding a Roth IRA [14:00] – Biggest financial regrets[16:50] - Peter Mallouk tip of the month[17:35] - Jonathan Clements tip of the month SHOW NOTESHosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!Important legal disclosure: http://bit.ly/2DC250b

Time Stamps[0:00] – Strategies to mitigate concentrated stock risk[6:20] – Company stock in a 401k plan[9:08] – The right approach to generate retirement income[16:00] - Peter Mallouk tip of the month[17:34] - Jonathan Clements tip of the monthHosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!

Time Stamps [0:00] - Paying for college [5:41] - College debt [14:37] - Biases people have from childhood [18:30] - Peter Mallouk tip of the month [20:06] - Jonathan Clements tip of the month Important legal disclosure: http://bit.ly/2DC250b Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!

Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!

Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won’t want to miss each of their monthly tips!

Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this month’s podcast takes a closer look into surprises clients encounter as Creative Planning onboards assets recommended by former advisors. Included is an in-depth discussion on suitability standards, used by most of the large brokerage houses compared to the fiduciary standard, used by Creative Planning all the time! Plus, you won’t want to miss each of their monthly tips! Join us as we explore tax law updates, tax planning strategies and ways to avoid surprises from purchasing investment products!

Description: Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this month’s podcast takes a closer look into surprises clients encounter as Creative Planning onboards assets recommended by former advisors. Included is an in-depth discussion on suitability standards, used by most of the large brokerage houses compared to the fiduciary standard, used by Creative Planning all the time! Plus, you won’t want to miss each of their monthly tips! Join us as we explore tax law updates, tax planning strategies and ways to avoid surprises from purchasing investment products! Time Stamps [0:00] –What are some of the things Peter Mallouk notices when brining on assets from other advisors? [3:53] – Fiduciary standard. What does that mean? [8:36] – Tax planning & tax law changes [14:17] – Peter Mallouk tip of the month [15:11] - Jonathan Clements tip of the month

Hosted by Creative Planning Director of Financial Education, Jonathan Clements and President, Peter Mallouk this month’s podcast takes a closer look into behavioral mistakes investors make that accompany both bull and bear markets. Included is an in-depth analysis on if Real Estate is a good investment and the polarizing effect it has on client advice. Plus, you won’t want to miss each of their monthly tips! Join us as we explore what academics have learned and improve your own investing strategies! Time Stamps [0:00] - What was it like in the early days of Creative Planning, particularly after multiple recessions, including 2008? [4:27] – Behavioral Finance. What types of mistakes have academics identified that leads investors to do damage to themselves? How can you avoid them? [11:20] – Real Estate Investments [22:43] – Peter Mallouk Tip of the Month [23:20] – Jonathan Clements Tip of the Month

Hosted by Director of Financial Education, Jonathan Clements and President, Peter Mallouk this month’s podcast explores the recent shift in stock market pricing and what is on the mind of many Creative Planning clients. Is the market too expensive to join now? Included is a review of why investing only in what you know might hurt you in the long run. Plus, you won’t want to miss each of their monthly tips! Join us as we explore how Jack Bogle changed the industry and lessons to improve your own investing strategies! Time Stamps 0:00 - Welcome to Down the Middle 1:15 – What is on the mind of Creative Planning clients; what are they worrying about? 1:54 – Recent market shifts. What’s going on here? 3:49 – Are stocks too expensive? 7:18 – Why is my portfolio not invested in all US Large Cap stocks? 12:37 – Jack Bogle 18:00 – Peter Mallouk Monthly Tip 18:52 – Jonathan Clements Monthly Tip