Talking Real Money - Investing Talk

In this episode:0:03 Slow Roll into Retirement2:38 Working Beyond Retirement Age4:38 Managing Retirement Portfolio Successfully7:48 Housing Dilemma9:18 Mutual Funds vs. ETFs14:34 Owning Multiple Houses16:46 Long-Term Housing PlansLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this edition:13:09 Exploring Retirement Costs Across the Country20:44 Importance of Second Opinions in Investing29:31 Exploring Anti-ESG Funds35:02 Disputing Charges on Credit CardsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:1:34 Don's Dumb Duo5:23 Get a Second Opinion8:40 The Value of Gold11:43 Financial Planning Challenges14:55 Roth Conversions Advice16:57 Schwab and Fidelity Comparison19:50 Clarification on Bond Holdings22:06 After-Tax Contributions in 401k29:46 Disagreement on Alternative Investments33:56 Caution on Private Credit Investments37:08 Risks of Alternative InvestmentsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In today's show:0:04 Slipping into the Matrix5:01 The Fascination with Market Capitalization9:45 The Importance of Diversification13:14 Understanding Pension Plan Options16:59 Annuities vs. IRAs: Which is Better?19:16 Opportunities for Financial GuidanceLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this Question and Answer Episode:0:04 The Gold Rush: Physical vs. Financial1:18 The Speculation of Gold3:05 Investing Insights: Stocks vs. Gold4:36 Q&A with Roxy Butner5:06 Roth IRA Dilemma: Lump Sum or Dollar Cost Average?8:06 Portfolio Makeover: Fund Reallocation11:17 Retirement Planning: Managing 403b and 401k Funds14:45 Understanding Fund Gains: Net vs. Gross16:41 Financial Evolution: Trends in Investor Questions18:23 Special Announcement: Retirement Reprise EventLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode we discuss:0:04 Investment "Cheesecake"1:46 Market Predictions: To Worry or Not to Worry1:53 Stock Market History: Looking Back and Moving Forward6:41 The Unpredictable Future: Market Speculations9:56 Market Timing Dilemma: Selling and Buying Strategies16:15 Retirement Investment Queries: Bond Funds and Risk Tolerance18:49 Evaluating Investment Providers: Avoiding GimmicksLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this show we discuss:1:12 Parents' Influence on Money Behavior2:22 Impact of Childhood Money Habits9:45 Retirement Dilemma Discussion13:45 Tax Planning Considerations17:00 Managing Real Estate Assets20:49 Annuity Evaluation Guidance24:46 Selecting Investment Funds in 401k29:08 Annuity Liquidation Tax Implications32:01 Annuity Sales Pitch Awareness35:30 Indexed Annuities Podcasts OverviewLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:3:40 A Potential Problem with Some ETFs.10:12 Understanding Standard Deviation in Investing14:34 Holding a Diversified Portfolio19:41 Comparing Avantis and Vanguard Funds21:29 The Impact of Index Funds on the Market26:19 Importance of Diversification in Investing31:13 The Value of Target Date Funds33:28 The Impact of Small and Value Companies36:55 Housing Market Trends and Real EstateLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In today's skeptical episode:0:04 Introduction: The Importance of Trust in Finance3:09 The Market's Trustworthiness: A Closer Look5:29 Misconceptions About the Market: Zero-Sum Game9:53 Addressing Market Manipulation and Trust Issues13:42 Managing Emotional Responses to Market Fluctuations17:04 Understanding the Long-Term Value of Market Investing21:27 Analyzing High Beta and Exponential Tech Investments23:46 Evaluating the Role of Financial Advisors25:48 Dissecting Trust Company Practices and FeesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Don takes on more of your queries:1:45 Listener Experience with Vanguard and Robinhood5:23 Taking Advantage of Robinhood's Promotion6:45 Vanguard's New Fees and the $100 Exit Fee10:08 Annoyance Fees and Pricing Structures11:47 Exploring Fidelity's Brokerage Link Option15:01 Historical Perspective on Stock Market Participation21:18 Invitation to Seek Free Financial Advice and Join the Road TripLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this podcast:0:04 Retirement Reflections21:06 Stock Inclusion Dilemma22:27 Managing Stock Movements25:06 Value of Free Financial HelpLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:0:04 The Problem with Dave Ramsey's mutual fund advice5:14 Importance of Second Opinions in Investing11:21 Retirement Income Strategy and Dividend Reinvestment16:07 Creating Income in Retirement21:00 Financial Advice and Misinformation27:15 Overcoming "Hodgepodge-itis" in Investment Portfolios31:26 Comparison of Actively Managed and Index Funds36:57 Caller Plays Back Seat QuarterbackLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

When it comes to money, we make a lot of investing mistakes. Today, we talk about:3:30 The Seven Deadly Sins of Wealth Management14:59 Seeking a Second Opinion21:05 Not Making Cash the King & Letting Dollars Be Lazy22:50 The Purpose of Risk in Investing32:42 Investing as a Means, Not an End37:24 Importance of Guidance in the Decumulation Phase38:43 Stop Dreaming, Start DoingLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode, we discuss the high price of home and auto insurance:0:04 Midwest Storms and Insurance Costs1:48 Home and Auto Insurance Rate Increases4:03 Reinsurance Companies and Rate Hikes5:23 Factors Impacting Insurance Rates7:34 Dealing with Scammers and Identity Theft11:35 Saving Money on Insurance Policies13:33 Importance of Financial Planning in Retirement19:19 A Little Chat About Scammers22:46 Rebalancing and Risk Tolerance in Roth AccountsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This week's topics:1:19 Company Stock Purchase Program Dilemma4:43 Investing Strategies for a 24-Year-Old7:06 Listener Input on IPOs and Conservative Fund Options10:05 Retirement Planning with a Large Investment Portfolio13:36 Investment Decision for a Late 30s Individual16:06 Retirement Investment Planning for a 64-Year-Old19:17 Strategy for Investing Proceeds from Property SaleLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In This Episode:1:15 Inaccessible Home Equity2:24 Tempting Yet Tricky Home Equity Options3:31 Exploring New Financing Frontiers4:01 The Evolution of Reverse Mortgages5:07 Weighing the Home Equity Loan Dilemma6:11 An Unconventional Option: Home Profit Sharing7:11 Unpacking Home Profit Sharing Terms8:45 Evaluating Alternative Financing Routes9:21 Leveraging Home Equity Strategically10:26 The Dangers of Early Mortgage Payoff10:43 Knowledge is Key: Understanding Home Equity Options15:07 Q&A: Understanding Investment Returns16:09 Insight into Index vs. Personal Returns17:43 Clarifying Investment Fund RecommendationsLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Topics in the episode:2:02 The Dow Jones Industrial Average5:23 Financial Second Opinions10:35 Roth Conversions and Financial Planning13:45 Trusting Financial Data16:43 Financial Phone-In Questions19:11 Vanguard Advisory Service Review21:01 Managing Inherited IRAs26:28 Diagnosis: Hodgepodge-itis27:35 Importance of Financial Planning33:09 Handling Unexpected Fees37:59 Talking Real Money Road TripLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Today we discuss:1:00 Money and Happiness5:31 Second Opinions12:50 Microphone Woes27:04 Hodgepodgeitis37:04 Retirement Account DiversificationLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Here's what in this episode:1:02 Understanding the Psychology of Money2:32 Rethinking Financial Advisor Terminology3:27 Rise of Financial Therapy Certification4:17 Impact of Money on Mental Health7:17 Overcoming Financial Anxiety10:58 Addressing Financial Concerns & Ideas14:09 Tips for Managing Investment Emotions19:27 The Purpose of Life Insurance20:59 Adjusting Investment Allocation in 401kLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this week's Friday Q&A:1:52 ETF Purchasing Best Practices2:53 Avoid Overthinking and Minutiae5:37 Making Financial Decisions and Pension Options7:51 Investing Strategy and Career Reset11:24 Comfort in Financial Decisions14:45 Long-Term Saving for Family17:16 Importance of Financial Planning18:53 Pension Drawing DecisionLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode we discuss a trading staregy combined with a multi-level marketing scheme MLMs in general.5:27 Second Opinions and Financial Decisions 8:49 Learning and Correcting Mistakes12:37 Multi-Level Marketing and Trading Strategies 21:04 Warren Buffett's Timeless Advice25:13 Investigating Ron Blue Investments32:49 Researching the National Electrical Annuity Plan 36:38 The Graceland Financial Mystery39:57 Preparing for College and Paying for ItLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode, recorded on Saturday May 22:0:04 Pre-Memorial Day Weekend Banter4:00 Focus on Investing Mistakes with Christine Benz4:54 Portfolio Building and Managing Mistakes18:30 Being Patient vs. Hands-Off Investing34:40 Discussing American Funds and Expense RatiosLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In today's episode:0:04 The Trust Issue2:43 Custodians and Fiduciaries3:12 Finding True Fiduciary Help3:53 Fee-Only vs Fee-Based5:43 Various Compensation Models8:02 Understanding Terminology10:52 Brokercheck.org Exploration12:08 Where to Find Trusted Advisors13:56 Vetting Financial Advisors15:38 Insurance Companies and Investments 19:30 Dealing with Large Stock Gains23:13 Dealing with Tax Implications25:10 Upcoming RetireMeet East EventLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episodes, Don answers listeners questions about:3:15 Seeking a Fee-Only Fiduciary Advisor for Aging Parents6:24 Uncovering Red Flags in Financial Advisor Disclosures11:44 Evaluating the Dodge & Cox Income X Bond Fund12:46 Importance of Reading Form ADVs for Investment Advisory Firms18:17 The Aftermath of Removing Social Security19:11 Understanding Mutual Fund Return Reports21:24 Replacing Vanguard Bond Fund BND with Risky AlternativesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:1:16 Affinity Fraud in the Military3:54 Unveiling Investment Fraud in the Military11:57 Building Trust in Financial Relationships14:00 Maintaining Boundaries in Financial Relationships19:33 Trusting Third-Party Sources for Investment Information23:43 Retirement and Investment StrategiesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Can a fiduciary fee-only advisor make you more money, even after expenses. Vanguard says, "yes!" We talk about some of their findings and more:3:53 Cost-Effective Implementation and Rebalancing 6:20 Financial Future and Advisor Second Opinions 7:16 Asset Location and Withdrawal Strategies9:00 Hodgepodge-itis and Portfolio Simplification11:57 The Vanguard Experience14:30 The Importance of Seeking Advice Early20:14 Backdoor Roth IRA Strategies26:15 Hodgepodge-itis Treatment and Financial Future 28:57 Morningstar Ratings Debunked31:51 Roth Conversions and Considerations35:10 Evaluating Investment Fees at Wells Fargo 36:31 Simplifying Portfolios with TSPLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode:0.54 America's Obsession with New Media and Gurus1:55 The GameStop Saga Begins2:43 Reddit's Influence on GameStop Stock3:33 Lessons from the GameStop Rollercoaster5:20 Seeking a Second Opinion in Investing6:19 The Stupidity in Following Stock Recommendations7:03 GameStop Stock: A Question of Valuation8:30 The Evolution of the Gaming Industry8:54 What to Learn from the GameStop Frenzy9:49 Investing vs. Speculation12:05 Vanguard's Fiduciary Advisors and Financial Decisions12:31 Importance of Getting a Second Opinion15:03 Adjusting Investment Strategy for Retirement15:31 Vanguard's Changes in Customer Service16:45 Questioning Vanguard's Decision-Making21:25 The Significance of Money in Your Life26:34 Addressing Hodgepodgeitis in Your Investment Portfolio27:34 Vanguard's Controversial Fee Changes34:02 Strategies for Protecting Equities After Hours36:46 The Remarkable Story of Dimensional Funds38:26 Platforms for Investing: Schwab vs. TD Ameritrade39:58 Resources and Information at TalkingRealMoney.com40:49 Important Disclaimer and Legal InformationLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

We don't often have guests, but we do, from time to time, invite some of the best minds in money management to join us. Author and financial educator, Dan Solin spends time with us this week to share some wisdom from his latest book, Wealthier: The Investing Field Guide for Millennials. We discuss buying a home versus renting, saving and investing for retirement, and the future of Social Security.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

On the week's question and answer session, Tom and Roxy take written questions from listeners about:Social Security spousal benefits.Moving Emergency CashShort-Term Cash OptionsPortfolio DiversificationAVGE vs. BND AllocationReal Estate Sales and Tax PlanningLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Was retirement really better in thge past? Have 401k plans been a retirement income benefit or detriment? Might there be a better way to insure a secure retirement income? We also explore the difference in long-term returns between large-cap and small-cap value stocks. Plus, we hear from listeners:Why does the actual income from I-Bonds not match the stated rate?Can income from a court settlement from a stock in an IRA be transferred into the IRA?Is it better to take retirement income from investments annually, monthly, or as needed?Looking for a quick portfolio review?Is it okay to start spending extra money in retirement?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Beware of complex investments or those promising to provide higher returns using some financial sleight-of-hand. Higher returns always require some sort of tradeoff. There are no special systems to game the markets, long-term. Then, we hear from listeners:He stayed in bonds and lost money, should he stick with them now?How can current assets be grown to enough to support retirement needs?Does it make sense to buy a second home on the beach?How should a very conservative retiree invest retirement funds?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Millions of people rely on Social Security for a large portion of their income, yet the system is running low on money and won't be able to meet future obligations without major changes. So, which is better, reducing benefits or raising taxes? Plus, we take listeners questions:What's the best way to reduce taxes on retirement plan distributions?What can be done to reduce hodgepodgery in a portfolio?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In the episode, instead of discussing all of the bad financial decisions we make, let's take time to acknowledge all of the good things we do with money. Plus, we take questions on:The possible negative impact that passive investing might have on the stock markets.The potential tax ramifications of a portfolio.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

The questions have started pouring in again. Thanks! Today...Using High-yielding CLOs Instead of Bonds.Adjusting Portfolio for GrowthMaryland 529 Plan vs. Other OptionsMaximizing Growth for GrandchildrenUnderstanding Rebalancing in a 401kImplementing a Three-Bucket Account StrategyLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

The U.S. Labor Department is going to try again to hold some of those who provide advice on retirement assets to actually act in their clients' best interests. Will this new rule actually go into effect this time and who might it protect. Then we take your questions:What to we think of Keith Fitz-Gibbons investing advice?What's the best way to cover three years of expenses before collection Social Security?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

After years of diligently saving and investing a your retirement plans, what should you be doing when your accounts have grown to sizable amounts? Plus, we share the reasons for a small cap and value portfolio tilt. Plus, we hear from several listeners who ask:Why don't we talk more about 529 ABLE plans?What do we think of a portfolio with 20-year Treasury bonds?After maxxing out retirement accounts, where should other money be invested?Why can't more people save and invest?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Is it a mutual fund? Is it an annuity? Can one investment met everyone's retirement needs? That's seems to be the claim of the complex BlackRock LifePath Paycheck funds. Plus, we talk about Warren Buffett's take on corporate taxes and how individuals could all end up paying no income taxes. We also discuss the workings of the "backdoor" Roth IRA. Then, listeners want to know:Nearing retirement is a fiduciary adviser needed and what should one cost?The name of the book Tom mentioned about Crazy Eddie?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Gold has gotten hot again, but just because you can get a bar at Costco is it a decent investment? We look hack at the history and returns of gold over decades and longer. Plus, we take some listener questions:Where can information be found on a school districts's 403b plan?In what account order should money be withdrawn for a college education?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

On this week's Friday Q&A:Does more money in emerging markets make sense?What should be done with an 401k now that Vanguard has sold their servicing?Are these two funds diversified enough?Is there any way to calculate future call option premiums?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

There aren't many ways to improve your odds while investing in stocks. So, why have investors like Warren Buffet been so successful and why do we belive in factor investing? Plus listeners want to know:Why do we suggest more expensive products from firms like Avantis and Dimensional?What are the differences between a 403b and a Roth IRA?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Don't be fooled by "money illusions." We are often confused about money math, particularly when it comes to the impacts of inflation. Our financial psycology can lead us to make bad decisions. The callers have questions about:Financial Planning for a Special Needs Family MemberEstate Planning Strategies for Passing Wealth to GrandchildrenBalancing Risk Tolerance with Retirement SavingsDirecting Inheritance to GrandchildrenUnderstanding Indexed AnnuitiesLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

After bonds suffered a really bad year in 2022, many investors still hate them. Do all bonds deserve the recent bad reputations? Time for a fixed income reality check. We also discuss the bad advice given by most radio advisors. We also hear from listeners:Why do we dislike anuuities as investments?What do we think of the new DOL rule requiring all retirement rollover advice be held to the fiduciary standard?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Once again, the United States Depratment of Labor is trying to protect retirement investors against the lies told, and the high fees charged, by many providers of advoce for retirement pland rollovers and transfers. Will they succeed against Wall Street and Big Insurance? Plus, we take your questions:What's the best way to pay for a new roof?Why are my ETFs paying out taxable dividends?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This Friday's Qs:How should an aggressive investor invest money that is not needed in retirement?Does a QLAC make sense as a toold to control long-term care expenses?Are there any tax ramications from moving from an expensive funds to ETFs in a qualified retirement account?Does his portfolio idea make sense for a lazy retirement investor?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

What is the best investment strategy in a time of higher "safe" interest rates? For many, the tendency is to play it safer, but how might that work out in the long run? Plus, we answer questions:How much is Edward Jones charging for their investment services?How can an investor harvest tax losses?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Far too many businesses offer their employees expensive retirement plans. You must know how much you're paying. Plus, many states are now allowing employees to set up automatic payroll deductions into their own IRAs.We hear from callers:What will interest rates do in the near future?What can be done with IRA distributions to reduce taxation?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This seemingly simple retirement quiz stumped most who took it. How will you fare? Take the quiz with us. Plus, what can you do if you have a low interest rate bank savings account?Listeners want to know:How long will mom's retirement assets last?Is there any way to get money back from a federal long-term care policy?How can money in a retirement plan be accessed before 59-1/2 without penalties?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Our friend, Mark Hebner from Index Fund Advisors, joins Tom and Don to talk about the most important number to investors, total return. The rise and fall of prices shouldn't be of much concern to investors, it's how much you make on your investments.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this week's Friday Q&A edition:How safe are investment in brokerage accounts?Why shouldn't someone tranfer an IRA to Robin Hood to collect a 3% bonus?What do we think of Fisher Investments "bucket" strategy?How should money be invested for the beneficiary of a special needs trust?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

One of the problems with index funds is the fact that they slavishly follow the index. This means that for long periods they can own stocks that are way outside the indexes parameters. This is one argument for rules-basd funds. Then, listeners ask:Are we concerned about the decline in the number of publically-traded stocks?Is it okay to be 100% in stocks close to retirement?Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!