Money On Tap: Recent Episodes
Seth Krussman & Ben Brayshaw
3D Investing! On a weekly basis “Money on Tap” airs live in New England and is rebroadcast multiple times, as well as available on podcast. Our goal is to educate and debate the current relevant financial issues facing today’s investors.
Value investing spent fifteen years out of fashion. This year, it's beating the index almost everywhere you look — energy up roughly 20%, industrials 17%, healthcare 15%, utilities 14%, financials 12% — while the S&P 500 sits near 8–9%. This week we dig into the return of value investing and what the greatest investors of all time can teach us right now.
On this week's Money On Tap, we go deep on the tradition that runs from Benjamin Graham through Warren Buffett and Charlie Munger: buying good businesses at sensible prices, collecting the dividends they pay you, and letting compounding do the heavy lifting. We explain why value went dark from roughly 2009 to 2025 — cheap money was rocket fuel for growth stocks — and why higher interest rates have flipped the script: growth borrows, value pays you. We connect the rotation to worn-out tech traders taking gains, the 401(k) flywheel, and the demographic engine underneath it all — roughly 10,000 baby boomers reaching retirement age every day, all needing present-day income. Plus Pepsi's 53-year dividend streak and a candid conversation about when mutual funds and ETFs stop making sense and direct stock ownership starts.
What you'll learn:
* The sector scoreboard: energy ~20%, industrials ~17%, healthcare ~15%, utilities ~14%, financials ~12%, staples ~9% — vs. the S&P 500 near 8–9%
* Graham vs. Buffett: buy cheap and sell at fair value, or buy outstanding businesses and hold for decades
* Munger's rule: "The big money is not in the buying or the selling, but in the waiting"
* Why low interest rates buried value for fifteen years — and why higher rates brought it back
* Margin of safety: the idea that protects you when you're wrong
* Why money is rotating into companies that pay you to own them — dividends over promises
* The demographic engine: 10,000 boomers a day retiring and the demand for present-day income
* The compounding story: Buffett's American Express dividends now exceed his entire original investment — every year
* When funds stop making sense: the case for direct stock ownership at higher net worth
Plus Money In The News:
* SpaceX says it's coming for AT&T, Verizon, and T-Mobile customers — but does satellite cell service actually work?
* The Treasury has refunded $100 billion in invalidated tariff revenue to companies — and none of it is coming back to you
* A tale of two housing markets: luxury demand surges while starter-home buyers finally see inventory
Want a white paper on this week's topic? Email us at info@yourmoneyontap.com and we'll send it over.
Read our most recent Blog Post on this topic here: https://www.fmgwebsites.com/d772de05-9833-44e4-9676-f510f85cef74/blog/the-return-of-value-investing-why-boring-profitable-companies-are-winnin
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tap
Contact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Index and sector figures cited are approximate year-to-date values as of the air date, drawn from sources believed reliable, and subject to change. Dividend payments are not guaranteed and may be reduced or eliminated at any time. Past performance is not a guarantee of future results.
- What is value investing and why is it working again in 2026?
Value investing means buying strong, profitable, often dividend-paying companies at sensible prices and holding them patiently — the approach built by Benjamin Graham and made famous by Warren Buffett and Charlie Munger. It struggled while near-zero interest rates favored growth stocks, but higher rates flipped the equation: in 2026, value sectors like energy (~20%), industrials (~17%), and healthcare (~15%) are outpacing the S&P 500's roughly 8–9%. The appeal is simple — instead of borrowing to chase growth, these companies pay shareholders real income today, and reinvested dividends compound over decades.
Your S&P 500 fund says 7% — but over 300 of its stocks are beating the index. This week we dig into the massive broadening of the market that almost nobody in the financial media is talking about, and why we think it's the healthiest thing to happen to this bull market in years.For three years, seven stocks did all the talking. This year, the other 493 are answering. On this week's Money On Tap, we walk through the numbers behind the broadening: the Magnificent Seven still make up roughly a third of every dollar in a cap-weighted S&P 500 index fund — which is exactly why so many statements look stuck at 7% while the equal-weight S&P runs above 14%, the Russell 1000 Value nears 20%, and healthcare and industrials each post roughly 24% year to date. We connect it to the 100-year-old Dow theory (industry makes goods, transportation moves them — and both are near highs), unpack the defensive-stock paradox (staples rallying while nobody calls a recession), revisit the historical pattern from 1983, 1995, 2003, 2013, and 2020 where tech blows out and then leadership broadens — and get practical about what a broadening market rewards most: rebalancing, equal-weight exposure, sector and international diversification, and knowing what your 401(k) actually owns.What you'll learn:
* Why a third of every S&P 500 index-fund dollar sits in just seven stocks — and what that's done to your return this year
* The breadth numbers: 300+ stocks beating the index, roughly seven in ten S&P names up on the year
* The sector scoreboard: healthcare ~24%, industrials ~24%, staples ~11.3%, financials ~9.7%, utilities ~7.6%
* Why money is rotating, not leaving — and why that's the opposite of how crashes start
* Dow theory at 100+: what industrials and transports near highs historically signal
* The defensive-stock paradox: staples leading without a recession call anywhere in sight
* The rebalancing playbook: taking profits without apology, calendar discipline, equal-weight funds (11.9% vs 10.9% over 20 years)
* How to broaden with new contributions instead of selling your winners
* Target-date fund warnings: layered fees, hidden allocations, and no way to rebalance
* Why this is not a reason to dump technology — proportion, not exit
Plus Money In The News:
* A property-management company bets $200K on AI to make the trades more efficient — filling a labor gap instead of cutting jobs
* Apple set for its strongest June-quarter sales growth in five years — flat iPhone pricing, a $5 trillion moment, and sitting out the AI arms race
* The 100-year-old Dow theory says this market isn't done climbing
Want a white paper on this week's topic? Email us at info@yourmoneyontap.com and we'll send it over.Read the companion blog: https://www.brayshawfinancial.com/blog
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Index and sector figures cited are approximate year-to-date values as of the air date, drawn from sources believed reliable, and subject to change. Past performance is not a guarantee of future results.
- What is value investing and why is it working again in 2026?
Value investing means buying strong, profitable, often dividend-paying companies at sensible prices and holding them patiently — the approach built by Benjamin Graham and made famous by Warren Buffett and Charlie Munger. It struggled while near-zero interest rates favored growth stocks, but higher rates flipped the equation: in 2026, value sectors like energy (~20%), industrials (~17%), and healthcare (~15%) are outpacing the S&P 500's roughly 8–9%. The appeal is simple — instead of borrowing to chase growth, these companies pay shareholders real income today, and reinvested dividends compound over decades.
Whatever you've done, there's a very good chance you can recover. That's the message of this week's show — and then Ben and Dan get specific, decade by decade, about the mistakes that quietly sink retirements and the moves that rescue them.In this week's Money On Tap, Ben Brayshaw and Dan Michelon walk through the money mistakes of every stage of life. The 20s and 30s: waiting to invest, lifestyle inflation, and treating insurance as a nuisance instead of what it really is — protection of your ability to retire. The 40s — the squeeze years: turning off the 401(k) match to pay the bills (walking away from free money), getting too comfortable with debt, and skipping the tax planning that builds tax-free assets for later. The 50s — the catch-up years: catch-up contributions, the HSA "triple threat," the backdoor Roth, and the fear-driven mistake of going too conservative too soon. And in retirement itself: the light-switch move to cash, target-date funds past their date, scattered old 401(k)s, chasing a "number" instead of an income, and the biggest one of all — no plan for a health change.What you'll learn:
* Why your 20s and 30s are the most powerful investing decade you'll ever get — and what lifestyle inflation really costs
* Insurance reframed: insuring well-being, not events — and why long-term care planning protects the healthy spouse
* The 401(k) match rule for the squeeze years: never walk away from free money
* When to shift from investment planning to retirement planning — and why the goal is an income number, not a total number
* The catch-up toolkit for your 50s: 401(k) and IRA catch-ups, the HSA triple threat, and the backdoor Roth
* Why "too conservative too soon" quietly loses money backwards — and how segmentation puts risk and security in one strategy
* The bucket strategy in action: a real case of a 60%-bond portfolio, a 4.5% withdrawal rate, and a first-home gift — rescued
* Foundational expenses: the income planning step most people skip before retiring
* The health-change plan: estate documents, powers of attorney, and why waiting can mean it's too late to sign
Plus Money In The News:
* Alphabet set for a blockbuster quarter as AI bets collide with spending fears — why this AI buildout isn't the dot-com era
* Phased tariffs on generic drugs: 90% of U.S. prescriptions are generics, and most aren't made here
* Fidelity's new number: retirees may need nearly $186,000 for healthcare — up 7.5% in a year
Want the Retirement Rescue white paper? Email us at info@yourmoneyontap.com and we'll send it over.Read the companion blog: https://www.brayshawfinancial.com/blog
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Figures cited are as of the air date, drawn from sources believed reliable, and subject to change. Past performance is not a guarantee of future results.
- Is it too late to fix my retirement at 50?
No — the 50s are the catch-up years by design. Catch-up provisions let you contribute above the standard limits to 401(k)s and IRAs, the HSA offers triple tax advantages for future healthcare costs, and a backdoor Roth can build a tax-free bucket even if your income is too high for direct contributions. Pair those with a segmented "bucket" strategy — instead of retreating to CDs and cash — and most late starts can still be rescued. The first step is knowing your income need, not chasing a number.
The S&P 500 is up about 10.2% this year. That average is hiding one of the most lopsided markets in a decade: energy up 28%, communication services negative, and the Magnificent Seven — the stocks that carried the market for three years — collectively underwater.In this week's Money On Tap, Ben Brayshaw and Dan Michelon go beyond the index, sector by sector. They walk the 2026 scoreboard — energy +28.1%, technology +26.8%, industrials +16%, with a 30-point gap between the top and bottom sectors — and unpack the year's most important story: the broadening of the market, with 46.3% of S&P companies now beating the index itself, up from 30.5% last year. Then the mechanics most investors never see: why seven stocks absorb a third of every dollar in a standard S&P fund, why the SPY and QQQ share 8–9 of their top 10 holdings, and why your "diversified" ETFs may be the same bundle of stocks in different wrappers. They close with the Fed's looming rate decision — hike odds jumped from 26% to 73% in one month — and the five durable themes they're watching for the second half.What you'll learn:
* The 2026 sector scoreboard: all 11 sectors ranked, from energy's +28.1% to communication services' −3.1%
* The broadening of the index: why 46.3% of S&P companies are beating the index — a decade-plus first
* Why the Mag Seven flipped from engine to anchor (Microsoft down 20%+), and what the index looks like without them
* The ETF overlap trap: cap weighting, 35–55% in the top 10, and wrappers around the same stocks
* What a Fed rate hike would do to sector leadership — winners and losers under both scenarios
* Buffett's warning: "a church with a casino attached," and why down doesn't mean cheap
* The dials for outperforming: sector weighting, security selection, valuation discipline, income, cash, and tax management
* Taking gains on purpose: the sequence-of-returns lesson in 2026's −4.3% Q1 and +15.2% Q2
* Five second-half themes: electrification, defense, nuclear renaissance, the aging population, and the infrastructure rebuild
Plus Money In The News:
* 73% odds of a Fed rate hike by September — up from 26% just a month earlier — and the two culprits behind it
* Warren Buffett: it's tough to find value "when everybody is preferring gambling"
* Blockbuster stock sales — SpaceX's record $75B IPO, Alphabet's $85B raise, SK Hynix ADRs — and whether $500B of new equity can overwhelm the bull market
Read the companion blog: https://www.brayshawfinancial.com/blog
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Index and sector performance figures are as of the air date and subject to change. Past performance is not a guarantee of future results.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
A new study says the average retired couple needs $1.16 million to retire comfortably. Scary headline — until you do the math. Because retirement was never about reaching a number. It's about the paycheck that number can produce.In this week's Money On Tap, Ben Brayshaw and Dan Michelon take the "magic number" apart piece by piece. They trace where $1.16 million actually comes from — $84,000 in average spending, $37,700 in Social Security, and a 4% withdrawal covering the gap — then show what the headline can't see: sequence of returns risk, the tax code, health events, and the market's habit of dropping 25–30% when you can least afford it. The centerpiece is a tale of three couples: Couple A with $1.8 million and no guaranteed income beyond Social Security, Couple B with $950,000 and a teacher's pension, and Couple C with $900,000 who built their own pension with an annuity — and ended up more secure than the couple with twice the money.What you'll learn:
* Where the $1.16 million figure really comes from — and why the study converts it to income immediately
* Why the race-to-a-number mindset is programmed into us, and why it fails in retirement
* The tax reality: 12% vs. 22% brackets, Social Security taxation, RMDs at 73, Medicare's hidden 3–5% "tax," and climbing capital gains rates
* The bucket strategy: cash for years 0–3, buffered strategies and dividends for 3–7, growth for 7+
* Why 1% of inefficiency on a 4% drawdown is really 25% of your income
* Couple A vs. B vs. C: how guaranteed income beats a bigger portfolio
* The timing trap: why buying the annuity after the crash locks in the loss
* Rewriting the 4% rule with 5–7% joint lifetime annuity payouts
Plus Money In The News:
* SpaceX goes public: Wall Street's sky-high price targets, the trillion-dollar valuation, and why investors stay cautious
* Trump floats an Australian-style retirement system with 12% employer contributions
* The IRA saver's match arriving in 2027: who qualifies, and why the income limits are so tight
Read the companion blog: https://www.brayshawfinancial.com/blog
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Only 20–30% of the AI data centers planned through 2030 are built today. The other 70–80% — the cement, the cooling, the chips, the memory, the power — are still coming. And the companies collecting the profits from that build-out are mostly names the mainstream isn't talking about.In this week's Money On Tap, Ben Brayshaw and Dan Michelon go beyond the Mag Seven and into the hidden companies powering the AI revolution. They trace how the AI trade rotated from the companies spending the money to the companies receiving it — the second-wave winners like Micron, SanDisk, Vertiv, Marvell, and Broadcom — and why Taiwan Semiconductor may be the king of the whole story. Then they go layer by layer through what's still ahead: electrical infrastructure, utilities and nuclear power, engineering, construction materials, and data center REITs.What you'll learn:
* Why only 20–30% of planned AI data centers exist — and what that means for the next decade of demand
* The rotation out of the Mag Seven: from speculation and hope to follow-the-money
* The AI stack, layer by layer: chips, memory (Micron), storage (SanDisk), cooling (Vertiv), networking (Marvell, Broadcom)
* Why Taiwan Semiconductor is the company nearly every AI player depends on
* The risks worth respecting: valuation, capex pullbacks, competition, interest rates, and tariffs
* The layers still to come: electrical, power and grid, engineering, materials, machinery, and data center REITs
* Why high conviction — knowing why you own what you own — beats chasing every headline
Plus Money In The News:
* Trump Accounts for kids launch July 4: $1,000 at birth, up to $5,000 a year — and the math that could reach seven figures by retirement
* Which financial stocks actually benefit when interest rates stay high
* Trump's rare earth agenda hits a milestone as the U.S. Army moves to break China's grip on defense metals
Read the companion blog: https://www.brayshawfinancial.com/blog
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
By 2048, an estimated $124 trillion will change hands — the largest transfer of wealth in human history. Roughly $105 trillion to heirs, $18 trillion to charity. And here’s the uncomfortable truth: about 70% of family wealth disappears by the second generation, and 90% is gone by the third.In this week’s Money On Tap, Ben Brayshaw and Dan Michelon dig into what the great wealth transfer really means — not for the economy, but for your family. They unpack why wealth preservation is far more behavioral than investment-driven, what the Vanderbilts got wrong and the Rockefellers got right, and the Warren Buffett principle every parent and grandparent should know. Most importantly, they walk through the four conversations every family needs to have before the money moves — and the simple first step you can take this week.What you’ll learn:
* Why $124 trillion in motion could be a generational blessing — or a great wealth disaster
* The statistic that should stop every family cold: 70% gone by generation two, 90% by generation three
* Why wealth preservation is behavioral, not investment-driven
* The tale of two fortunes: Vanderbilt vs. Rockefeller
* The four conversations every family must have before the transfer
* A practical first step you can take this week — and the BFG white paper that helps you run your own family meeting
Plus Money In The News:
* General Motors and Lockheed Martin announce a new multi-billion-dollar defense manufacturing partnership
* Jeff Bezos proposes eliminating federal income taxes for the bottom half of U.S. earners — and what it would actually mean
* “The job interview is broken”: how AI is reshaping hiring on both sides of the table
Read the companion blog: https://www.brayshawfinancial.com/blog Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact Us - Phone: 855-226-8551 - Email: info@yourmoneyontap.com - Office: 116 South River Road, Bedford, NH 03110 - Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Ten straight up weeks, then a sharp pullback — and if you’re two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week’s market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you’ll learn:
* Why a 35-year-old and a 65-year-old should do the opposite thing in a pullback
* The accumulation-to-distribution switch most people don’t know exists
* What history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year later
* Sequence-of-returns risk — why the first five years decide everything
* Building a 1–3 year retirement runway with ~4% cash and T-bills
* Rebalancing a 60/40 that drifted to 75/25
* Diversifying away from a top-10 that’s now 40% of the S&P (8 of them tech)
* Buffered ETFs — a 20% buffer with a 12–15% cap, explained
* Foundational income, annuities, and the tax-aware withdrawal piece most firms skip
Plus Money In The News:
* Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)
* Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really is
* A top JP Morgan strategist’s four ways to prep your portfolio for “considerable danger” (David Kelly)
Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Nearly every major index is at a record high — and everyone’s asking the same question: is this the beginning of something great, or the end of something that’s gone too far?This week on Money On Tap, Ben Brayshaw and Dan Michelon take that question apart with 75 years of market history, a few statistics that genuinely surprised them, and a clear look at what a record high means for you — whether you’re decades from retirement or already drawing income.What you’ll learn:
* The Fidelity data showing investing at an all-time high beats investing on a random day
* Why a record high is usually a signal of a healthy economy, not a top
* A walk through 1982, 1987, 1995–1999, 2000, 2009, and 2020
* Why today’s AI market looks more like 1995 than the 2000 dot-com bubble
* Why timing the market is a loser’s game — and why taking profits isn’t fear
* Sequence-of-returns risk — why the first years of retirement decide everything
* Buffered ETFs — staying in the market with downside guardrails
* Annuities with lifetime income and long-term-care riders
Plus Money In The News:
* American financial literacy hits a 10-year low — U.S. adults answered just 47% of the TIAA Institute’s 2026 questions correctly (Yahoo Finance, Kerry Hannon)
* America’s data-center build-out falls behind schedule — Google’s $80B equity raise and what it signals about AI’s real cost (WSJ, Katherine Blunt)
* Exxon chief warns oil could spike to $160–$170 a barrel as strategic reserves run thin (Fox Business, Robert McGreevy)
Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
61% of Americans now fear running out of money in retirement more than they fear death itself. Half of all U.S. households approaching retirement are at risk of falling short of their current standard of living.This week on Money On Tap, Ben Brayshaw and Dan Michelon sit with the topic that shows up in the conference room more than any other these days: retirement anxiety — and why so many Americans feel unprepared.What you'll learn:
* The five fears inside retirement anxiety — and which one most plans don't address
* Why retirement is structurally more anxious today than a generation ago
* The Honeymoon, the Shock, and the Reframe — the three phases of every retirement
* Why men, executives, military, and first responders are hit hardest by the identity loss
* The new 100% income rule (the old 60–70% rule of thumb is dead)
* The six-part income plan that actually reduces anxiety
* Sequence-of-returns risk — and why the first five years of retirement determine everything
* Social Security in 2026: 77% benefit, $1.5T bipartisan proposal, what it means for you
* Why phased / consulting retirement is the underrated soft landing
* The emotional plan nobody writes down — hobbies, friendships, purpose, marriage
Plus Money In The News:
* Can the stock market save Social Security? A $1.5T bipartisan proposal from Cassidy and Kaine
* Ford stock surges on a $2B (becoming $10B) pivot to stationary energy storage with CATL
* Student loan changes hit July 1 — payments rising $300–$350/month under IBR and RAP plans
Free resource: Email us with "Retirement Anxiety white paper" in the subject and we'll send the companion document.Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Two retirees with the same balance can take wildly different incomes home — it's not about returns, it's about taxes.This week on Money On Tap, Ben Brayshaw and Dan Michelon unpack The Science of Retirement Income — How to Create Income Alpha: the practice of beating the market not by picking better stocks, but by keeping more of what you already have through tax-aware planning.What you'll learn:
* What "Income Alpha" actually means — and why it's worth 15–30% more retirement income, year after year
* How Social Security gets taxed at 0%, 50%, or 85% — and how to control which one applies to you
* The Roth IRA conversion ladder: filling the 22% bracket today to avoid the 30%+ bracket later
* The lesser-known after-tax account strategy — converting future ordinary-income tax into capital-gains tax
* Qualified Charitable Distributions (QCDs) — the single highest-leverage move for charitable retirees
* Donor-Advised Funds and Charitable Trusts — stacking giving with Roth conversion years
* The hidden IRMAA Medicare tax — and the income thresholds that can cost you $1,000–$3,000 a year
* The Widow Tax Trap — the most damaging tax in retirement and how to plan around it
* Why the year of a spouse's passing is the last big planning window — and what to do with it
* What 1–2 years of tax returns will tell a good planner that your investment statement never will
Plus Money In The News:
* Weight-loss drug developers line up to tap a $150B market (Eli Lilly, Novo Nordisk, the pill-vs-shot race)
* Nike stock tumbles 13% to an 11-year low on China weakness
* Average tax refund up 11% from a year ago — IRS data and what it means for inflation
Free resource: Email us with "Charitable Giving Booklet" in the subject and we'll send our charitable giving guide.Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
🎉 Welcome to the 400th episode of Money On Tap. Nine years. Four hundred conversations. To celebrate, the first four callers to 855-226-8551 each get their pick from four pieces of MOT swag. Phone calls only — email won't count.This week, Ben Brayshaw and Dan Michelon close The Railroads of… trilogy with the one that may make all the rest run faster: quantum computing.What you'll learn:
* What a qubit actually is — and why "both 0 and 1 at once" changes everything
* The three investable layers: cloud platforms · hardware (semis & cryogenics) · software
* The four pure-play names: Rigetti (RGTI), IonQ (IONQ), D-Wave (QBTS), Quantum Computing Inc. (QUBT) — and what their +250% to +5,700% trailing moves really mean
* The four big-tech quantum plays: IBM, Alphabet, Microsoft, Amazon
* The four ETFs to research: QTUM, ARKQ, BOTZ, ROBO
* The barbell approach for taking speculative exposure without betting the farm
* Why the honest timeline says mid-2030s — and the energy problem nobody's talking about
* How space, robotics, and quantum intersect — and why the railroads series mattered
Plus Money In The News:
* Spotify and Peloton team up on a global fitness content hub
* The AI splurge is costing big tech its workforce — Oracle plans to cut 40% of its workforce
* Have software stocks reached the extreme washout yet? (And what the "SaaS-pocalypse" means for the next 12 months)
Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
4.3 million industrial robots are already deployed globally. Robot costs have dropped 50% in 30 years. Payback periods are now 1 to 3 years. The reshoring of American manufacturing isn't a forecast — it's a buy order.This week on Money On Tap, Ben Brayshaw and Dan Michelon continue the series with The Railroads of Robotics — the picks-and-shovels playbook for physical AI and the next great industrial build-out.What you'll learn:
* Why three forces — reshoring, labor shortage, and 1–3 year robot payback — make automation inevitable
* The four investable layers: robots · AI systems · software · hardware
* A walk-through of the public names: Rockwell Automation, Teradyne, Emerson Electric, NVIDIA, Tesla (Optimus), AeroVironment, Applied Materials, Autodesk
* How cobots are reshaping skilled-trades work — and what the NVIDIA CEO's "three-day work week" prediction really means
* Five robotics-themed ETFs walked through: ROBO, BOTZ, IBOT, ARKQ, ROBT
* What to tell the kids and grandkids about which jobs will actually exist in 10 years
* The geopolitical risk that could shelve this entire build-out overnight
Plus Money In The News:
* United Airlines hikes fares up to 20% — CEO admits passing 100% of jet-fuel cost to consumers
* Musk vs. Altman: a $134B suit heading to court while SpaceX ($1.25T) and OpenAI ($850B) IPOs loom
* Adobe announces a $25B buyback (25% of market cap) while Big Tech keeps laying off — and the buyback nuance most investors miss
Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Space just became an asset class. Q1 2026 alone saw $36 billion deployed — and the SpaceX IPO could be the first trillion-dollar offering in history.This week on Money On Tap, Ben Brayshaw and Dan Michelon walk through what they're calling the railroads of space — the picks-and-shovels companies quietly building the rails that everything else will ride on.What you'll learn:
* Why the SpaceX IPO is the single biggest catalyst hanging over the entire sector
* The three investable layers: access · infrastructure · application & data
* A walk-through of the public names already in motion — RKLB, ASTS, IRDM, PL, RDW
* Where robotics fits — and why Honeybee Robotics and Redwire matter more than people think
* The four real risks: capital intensity, government dependence, boom-bust speculation, and SpaceX disruption
* Why an actively managed space-themed ETF may be the most prudent way for retail investors to participate
Plus Money In The News:
* Active ETFs cross $1 trillion — and why the cost trade-off is worth it for many investors
* Round Hill's DRAM ETF pulls $1B in 10 days, giving U.S. investors backdoor access to Samsung and SK Hynix
* $4 gas drives consumer confidence to a record-low 47.6% — lower than 2008 — and inflation expectations climb toward 4.8%
Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Tax filing reports what already happened. Tax planning is what puts you back in control.If you just finished paying your 2025 taxes and you're wondering how the bill got that big, this week's Money On Tap is for you.Ben Brayshaw and Dan Michelon walk through the year-round tax strategies most investors — and most financial advisors — are quietly missing. From bracket management and income engineering to real estate depreciation, solo 401(k) contributions, charitable trusts, and the often-overlooked Augusta Rule, this is a working playbook for keeping more of what you earn.What you'll learn:
* Why tax planning beats tax filing every year — and what most advisors skip
* How to engineer your income to stay in a lower bracket without changing your lifestyle
* The difference between one-off Roth conversions and a real 10-year Roth strategy
* Real estate deductions, cost segregation, and the Augusta Rule explained
* Solo 401(k) vs SEP IRA — and why business owners routinely leave $30K+ on the table
* Charitable remainder trusts: the tax strategy almost nobody talks about
* Why today's 37% top federal bracket is historically low — and what that means for your retirement plan
Plus Money In The News:
* Google's $10M commitment to train American manufacturing workers on AI
* The cost to raise a child in the US now tops $300,000
* South Hadley, MA rejects a 50% property tax hike by a 2-to-1 vote
Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
If you missed just the 10 best days in the market over the last 25 years, you would have cut your returns nearly in half. Miss the best 30 days, and you might as well have left the money in a money market. Miss the best 50 days, and you are actually losing money. That is the cost of a market myth. In this week's Money On Tap, Ben Brayshaw and Dan Michelon break down the most common — and most expensive — market myths that quietly erode investor wealth: "Sell in May and go away," "now is the wrong time to invest," "cash is safer than stocks," "investing is just legalized gambling," "more holdings means better diversification," "gold is a safe haven," "bonds are risk free," and more. With hard numbers, clear analogies, and three decades of planning experience between them, Ben and Dan sort fact from folklore — and lay out a disciplined, statistics-backed approach to growing and protecting your money. You will learn:
* Why missing the market's best 10 days can cut your long-term returns in half
* Why lump-sum investing beats dollar-cost averaging 67-75% of the time
* How a $100,000 in cash since 1992 compares to the same $100,000 in the S&P 500
* Why 2,900 holdings may actually be less diversified than 500
* The truth about gold, bonds, and "safe" investments
* How a $50-per-month investor can still build real wealth
Plus "Money In The News":
* NAHB home builder sentiment drops to a 7-month low amid material, labor, and oil pressures
* Trump Accounts sign up 5 million kids — with community sponsorship changing the game
* March CPI surges 0.9% as the Iran conflict reshapes the inflation outlook
Resources & Links
* Website: https://www.brayshawfinancial.com/
* Money On Tap podcast hub: https://www.brayshawfinancial.com/money-on-tap
* Full Money On Tap episode library: https://www.brayshawfinancial.com/money-on-tap-podcast-content
* Read the companion blog: https://www.brayshawfinancial.com/blog
* Our planning process: https://www.brayshawfinancial.com/our-process
* Schedule a free consultation: https://www.brayshawfinancial.com/contact
Related Episodes:
* Retirement distribution strategy: how to keep more of your income → https://www.brayshawfinancial.com/money-on-tap
* The difference between accumulation and distribution → https://www.brayshawfinancial.com/money-on-tap
* Tax-smart investing and why most investors overpay → https://www.brayshawfinancial.com/money-on-tap
* How to vet a financial advisor (the questions that matter) → https://www.brayshawfinancial.com/money-on-tap
Contact Us
* Phone: 855-226-8551
* Email: info@yourmoneyontap.com
* Office: 116 South River Road, Bedford, NH 03110
* Web: brayshawfinancial.com
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Are today’s tax rates the lowest you’ll ever see in your lifetime?
In this episode of Money on Tap, we introduce the concept of “Generation Roth”—a powerful shift in retirement planning focused on building tax-free income in a world where taxes are likely to rise.
For decades, traditional retirement planning has relied on tax-deferred strategies like 401(k)s and IRAs. But with growing national debt, changing tax policy, and increasing retirement complexity, that approach may no longer be enough.
In this episode, you’ll learn:
• Why today’s tax environment may be historically low
• How rising national debt could impact future tax rates
• The truth about being in a “lower tax bracket” in retirement
• What a Roth IRA is and why it matters now more than ever
• How Roth strategies create tax-free income
• Options for high-income earners who can’t contribute directly to a Roth
• The role of Roth conversions and advanced planning strategies
• The concept of “tax diversification” in retirement planning
• How to think about retirement as an income system—not just a savings goal
This episode is designed for anyone who wants to take greater control over their financial future and build a more tax-efficient retirement strategy.
Because retirement isn’t just about how much you have—it’s about how much you keep.
🎧 Listen now and learn how to position yourself for a more secure and flexible retirement.
📅 Schedule a Retirement Strategy Session:
https://app.greminders.com/t/9f3ce72e/initialconsulta
📞 Call: 855-226-8551
📧 Email: info@yourmoneyontap.com
Money on Tap is your personal finance headquarters, bringing together insurance, brokerage, and fee-based planning to help you make smarter financial decisions.
Subscribe for weekly insights on retirement planning, investing, and financial independence.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Are you unknowingly losing thousands of dollars in retirement taxes?
In this episode of Money on Tap, we break down the science of retirement income and how to create “income alpha”—keeping more of what you’ve already earned.
Many retirees focus on growing their portfolio, but the real opportunity lies in tax efficiency, withdrawal strategy, and income planning.
In this episode, you’ll learn:
• How retirement income is taxed (and why most people overpay)
• The hidden impact of RMDs and Social Security taxation
• What “income alpha” means and how to create it
• Roth IRA strategies and tax-free income planning
• The truth about the widow’s tax trap and how to prepare
• How charitable strategies can reduce your tax burden
• Why tax planning can increase retirement income by 20–30%
Retirement is not about how much you have—it’s about how efficiently you use it.
📞 Schedule a Retirement Strategy Session:
https://app.greminders.com/t/9f3ce72e/initialconsulta
📧 Contact us: info@yourmoneyontap.com
📞 Call: 855-226-8551
Subscribe for more insights on retirement planning, investing, and financial independence.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
- If the S&P 500 is up 10%, why isn't my portfolio?
Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.
Could a few overlooked estate planning mistakes be jeopardizing everything you’ve built?
In a world where finances grow more complex every day, ensuring your family’s security and legacy is harder than ever—this episode helps you avoid costly pitfalls and protect what matters most. 1. Discover the must-have documents that safeguard your loved ones 2. Learn how to prevent unexpected beneficiary designation problems 3. Gain trust and will strategies to keep more money in your family’s hands
Press play now to get the peace of mind you deserve with a rock-solid estate plan.
Energy. It's everywhere all the time and one of the most interesting investments you can learn about here today.
It's hard to know which way the tide is turning when everything goes another direction from day to day. Let's take a look at better investing strategies no matter what direction the tide is flowing.
Everyone has had the scare or come across the scam looking to steal your ID. Learn from one of the best at stopping this theft and protect you and your family.
There is so much going on in life let alone the markets and investing. What really matters and can help me move forward today? Let's focus and get down to basics.
Family finances can be challenging and different from person to person. No matter who you are, protecting you and your parents finances usually comes first for our clients needs. Learn more and how you can prepare yourself and your family before taking the next step.
How many ways can you give? What are the benefits above and beyond tax deductions? It's all inside this season's giving show.
Season’s Greetings and Holiday Cheer are great ways to make your portfolio sing this year!
There are so many options for you to invest in today. One of these may be Energy. In it's multiple forms and arrangements you can pick and chose how you participate and take advantage of the now for tomorrow.
Health Savings Accounts are more and more becoming the tax advantage savings tools that can allow for greater savings and financial flexibility. Learn how to use these quadruple threats for your retirement planning.
The age old debate continues to brew. How do you maximize returns and protect yourself from a market downturn. This one is too big to get in one show so here you go. Part 2
The age old debate continues to brew. How do you maximize returns and protect yourself from a market downturn. This one is too big to get in one show so here you go. Part 1
Millennials are one of the most talked about generations in history but often forgotten in the retirement conversation. Learn more about how this generation can be prepared for their window into retirement.
So many people today feel like retirement or saving for retirement is out of reach. Ben & Seth dive into solutions for you to find your path toward becoming a success at saving for your own retirement. Enjoy!
What have you missed this summer? We bring you all the best of Summer for Money On Tap so you can get caught up and in the know! Enjoy
Real Estate is America's number one investment. How do you scale from Mom and Pop to diversified asset classes? You listen to Money On Tap of course and join Kirra Krussman CCIM, Ben, Seth and Dan to learn more.
Food is not only a back yard hobble for many but big business and real returns for investors. Look deeper into the world of food investments with Ben, Seth, Dan and Tony today on Money On Tap.
On today's episode on Money On Tap, Ben and Seth discuss housing bubbles, back to school, supply chains and inflation.
On today's episode of Money On Tap: the Olympics in the news and a discussion on 12 biggest pitfalls in retirement planning
(Longevity risk, interest rate risk, inflationary risk, adult children, divorce, elder fraud, tax rate risk in retirement, social security income risk, pension risk,
withdrawal risk, health risk, sequence of returns)
AMC shares cut in half, GameStop is down 19% this month,
and where was your advisor when______?
Ben and Seth discuss that and much more on today's episode of Money On Tap.
On today's episode of Money On Tap, Tesla lifts NASDAQ to record highs, the Mills family achieves a record buyout of Medline,
also, Ben and Seth are joined by Sarah Vezzani and Eric Morton, and they discuss the art of independent property and casualty insurance.
On this episode of Money On Tap, Ben, Seth and Dan discuss Exchange Traded Funds,
rising used vehicle prices, the future of space travel and much more.
From solar to oil, today's episode of Money On Tap is all about energy.
Ben, Dan and Seth also discuss college debt, investing in solar energy back in the 80's
and the fluctuating price of oil.
In today's episode of Money on Tap, Ben and Seth cover Apple's legal battle with Epic games,
cybersecurity issues regarding retirement accounts and managing your aging parents' finances as they enter the final chapter of their lives.
Are you a business owner? Do you have a side gig or have an entrepreneur inside of you that can't wait to get out? Today Ben and Seth dive into what you should know when owning your own business or are thinking you would like to.
On this episode of Money on Tap, Ben and Seth cover social security taxes. They talk about how your social security income is getting taxed, and what are some of the options you have to maximize that income.
In this episode of Money on Tap Seth Krussman, Ben Brayshaw, and Dan Michelon dive into the world of personality types. They talk about the different personality types related to finance and our personal relationships with money. These personality types include, the saver, the spender, the moneymaker, those that are indifferent, the saver-splurger hybrid, the gambler, the worrier, and the hoarder. They discuss the traits of each personality type and why it’s important for you to know and understand your personality type, so that you can strive to achieve a balanced relationship with money.
Today’s Money in the News covers Disney falling short in its number of streaming subscribers, corporate tax hikes, and the uncovering of a hidden treasure of half a million dollars in an attic in Massachusetts.
On this episode of Money on Tap, Glenn Dorsey, head of client portfolio management at Clark Capital, joins hosts Seth and Ben to discuss the current state of affairs in terms of inflation, bonds, and how to make money when people aren’t. Glenn lends his expertise on portfolio building, investment strategies, and solutions for the current marketplace.
During Money in the News, Seth and Ben dive into three trending articles. The topics range from the link between chess and risk evaluation, to reopening travel, to living in a retirement community at 19 years old.
Money On Tap had 2 new guests today which included Anthony Scola and Dan Micelohn who is part of the Brayshaw Financial group. Ben, Seth, Anthony and Dan talked about the one subject no one wants to talk about but that is extremely crucial in everyone’s lives - retirement. Adding their personal experience along with their advice and new strategies that have been developed, the guys emphasized the importance of having a good retirement plan set in motion along with the other more complicated details that come along with it.
Money On Tap had 2 new guests today which included Anthony Scola and Dan Micelohn who is part of the Brayshaw Financial group. Ben, Seth, Anthony and Dan talked about the one subject no one wants to talk about but that is extremely crucial in everyone’s lives - retirement. Adding their personal experience along with their advice and new strategies that have been developed, the guys emphasized the importance of having a good retirement plan set in motion along with the other more complicated details that come along with it.
On this episode of Money on Tap, hosts Seth Krussman and Ben Brayshaw discuss how to invest during a period of inflation. Joined by Dan Michelon, they dive into what exactly the Covid19 pandemic means for your investing opportunities, covering topics such as, is now the time to buy a home? Is gold a safe investment? And what’s the deal with NFTs?
On this week’s episode of Money On Tap with Seth Krussman and Ben Brayshaw, we discuss the different types of IRA’s and address questions from our listeners with regards to which IRA is more effective. Money is divided into two buckets – qualified and non-qualified. Non-qualified money being money in your savings account, your checking account, and your house. Qualified money being your IRA, 401k, and Roth IRA. Today we are focusing on IRA and Roth IRA, the difference between the two, benefits of having one versus the other and ways in which you can use each one to its full potential.
Today’s Money in The News focused on the death of Bernie Madoff (82), the mastermind behind the Ponzi scheme. Madoff’s legacy will most likely be focused on his creation of the Ponzi scheme and not around the fact that he was the one who created the NASDAQ. The effects of the Madoff scheme go as deep as changing the way the SCC investigates fraud and financial managers.
Do you remember when you were younger, and the cost of living was much lower? From movie tickets to gas prices, the rate of inflation keeps going up. In this episode of Money on Tap, Ben and Seth outline exactly what inflation is and the practical ways you can navigate it. When it comes to managing your money, inflation needs to be understood correctly for your money to work for you.
Money on Tap provides an in-depth look at the best way to manage your finances as you get closer and closer to retirement. Hosted by Ben Brayshaw and Seth Krussman, this podcast is chock full of information regarding managing money, being smart with finances, and a beginner’s guide to stocks. This hour-long podcast is an easy listen and a great way to learn more about how to be smart with your finances.
There’s always an element of truth to a myth…Ben and Seth break down five common myths people believe when it comes to investing in annuities. Listen into this episode of Money on Tap and figure out the truth behind each myth and why putting your money into annuities may be the best thing you ever did for your retirement.
After retirement, there are 3 ways to gain guaranteed income to keep you and your family set for whatever may happen. Not sure what those are? Tune into this episode of Money on Tap to learn about annuities, pension and social security income and what that may mean for you in retirement.
On this episode of Money on Tap, Ben and Seth define the meaning of some really important retirement terms, such as ‘annuity’ and ‘pension.’ Curious to know how those affect your retirement plans? Tune into this episode to find out how to make your money work best for you, even in the long run towards retirement.
Bear market or bull market? As an investor, it’s important to know and understand these terms so you can make your money work for you. Look no further than this episode of Money on Tap to learn more about the fluctuations of each marketplace. Amateur or pro, you always have something new to learn as an investor!
Either you’re gonna crash and burn at the end of the bubble, or you’re gonna take some profits.
Most people have wild and elaborate dreams about what retirement looks like. Planning is an essential part of those dreams, so Ben and Seth took the time to write up 15 essential rules to follow when planning for retirement. This episode will make you feel less intimidated by the mountain you may have to climb when it comes to your future. As always, Brayshaw Financial group is just a phone call or email away.
In this episode of Money on Tap, Seth and Ben break down seven different ways that retirement can be perceived. For many people, retirement contains visions of living somewhere where it’s always sunny and a cool 70 degrees, but the reality is a retirement in that form takes a lot of hard work and financial planning. Brayshaw Financial Group is here to help so that your dreams of a successful retirement can actually become reality.
What a great time to lean more about money and how the rules have changed. 2021 is your year. Let's look at how to make the changes that will set you up for a lifetime.
Once a year we get the opportunity to give you the best of Money On Tap. Here you go and We hope you enjoy. Nuts and Bolts 2020 Part 2
Once a year we get the opportunity to give you the best of Money On Tap. Here you go and We hope you enjoy. Nuts and Bolts 2020 Part 1
Hey Folks. So many great pieces for Ben and Seth to cover in this show they had to break it into two. This is the second of them. You want to take advantage of these episodes to cover some great estate planning opportunities. Buckle up. Get ready you are about to have fun learning about some great estate planning for you and your family. PS Thank you for liking and listening.
Hey Folks. So many great pieces for Ben and Seth to cover in this show they had to break it into two. You want to take advantage of these episodes to cover some great estate planning opportunities. Buckle up. Get ready you are about to have fun learning about some great estate planning for you and your family.
2020 has been a challenging year and one that has brought many opportunities if you are open to looking for them. We want you to have the best planning experience possible and bring you this episode loaded with tax tips to make your 2020 wrap up better than you ever thought possible.
Real estate is one of the largest assets many of us own. Owning commercial real estate is much larger than most investors ever tackle. This could be a great opportunity now with covid pressure on several commercial asset classes to get involved. Learn from a pro Kirra Krussman CCIM on Money On Tap
The Market. What does this mean when financial advisors refer to it? How is it comprised? How is it measured? What is important for you to know and understand during your accumulation phase until retirement and on? Ben and Seth can't wait to dive into helping you grab a hold and have fun.
This is always a favorite show for us. Helping people maximize their philanthropy and having fun while doing it. If you are a giver or would like to be giving more...giving more better? This is a great listen and worth your time.
Life insurance, annuities, jalopy, what do these words mean? Ben and Seth give listeners a clearer picture of what life insurance is and the pros and cons that come with it. If you feel like your policy may not be working for you, or that it could be time for an updated plan, look no further for advice! This episode of Money on Tap gives the audience five pragmatic steps to make your money work better, not harder, for you and your loved ones.
Joined by special guest Greg Levinson of Levinson Law, Ben and Seth break down the ins and outs of contract law, especially pertaining to family planning and small businesses. By having a contract expert with them on this episode, you are sure to find some nuggets of wisdom to apply to your situation, whatever that may look like. Tune in to hear exactly how you can plan for your future.
In this episode of Money on Tap, Ben and Seth discuss six very much overlooked tax deductions. This is an important topic because filing taxes is something that a lot of people are confused about, but Money on Tap has got it on lock! Be sure to figure out how you can save the most money when filing taxes, all while taking the stress out of it with this episode of Money on Tap.
What do you do when life’s great disasters strike, and you may not be prepared? Tune into this episode of Money on Tap to make sure that never happens to you. Ben and Seth, along with a special guest, Erik Morton, to outline exactly what you need to go over in your homeowner’s insurance plan to be fully covered should anything catch you off guard. Who knows, you could find that you’re eligible for buckets of money you may have not even known before!
Ever thought about retiring early? Ben and Seth break it down for any early birds out there, wondering just how feasible it may be for you to have the retirement of your dreams. That could include working at a dream job, looking out at the beach every day, or even investing in real estate! Whatever your dreams and goals for retirement are, you could potentially reach them early just by harvesting a few tips and tricks from this episode of Money on Tap.
In this episode of Money on Tap, listeners can find out ten helpful steps when it comes to budgeting. A lot of people may not know exactly how to handle their finances and may not even have a clue about where to start with a budget! Ben and Seth outline ten easy ways to begin dabbling in budgeting, and their recommendation is to take notes on this episode of Money on Tap so you can go back and really implement some of their best tips.
Ben Brayshaw and Seth Krussman are partners of Brayshaw Financial Group. Having questions about retirement and financial planning is normal, and the Brayshaw Financial Group is here to help! Reach out to Ben and Seth at 855-226-8551, or info@yourmoneyontap.com.
In this episode of Money on Tap, Ben and Seth break down signs that you may need a financial advisor. If you’re in the market for one, look no further! They are both fiduciaries committed to helping you handle your money well. If you’re not ready to make the jump yet, just listen to this episode—it will give you an inside look on how much a financial could help you out.
For anyone keeping up with the news, the year 2020 has been full of twists and turns, with one of the biggest debates being the upcoming Presidential election. Trump vs. Biden: who will win? On this episode of Money on Tap, Ben and Seth, along with a special guest, break down the details on how the stock market will be affected depending on who the winner of the election is. There’s statistics, predictions, and discussions around different things that the presidential election will ultimately affect. So if you’re wondering whether or not to invest depending on the final outcome, you came to the right place! Money on Tap will help you figure out how to best handle your finances before and after the election.
On this episode of Money on Tap, Ben and Seth recap the pros and cons of 401(k)s as the tax rates are changing annually. For some, 401(k)s are becoming outdated and there may be smarter options out there for saving money in order to retire comfortably. In an easy-to-understand way, the co-hosts of Money on Tap explain what each option looks like and what the ideal choice is for savers nowadays. Rest assured that there is an option out there for everyone, and Money on Tap desires to help each person get the best out of their financial choices.
Ben Brayshaw and Seth Krussman are partners of Brayshaw Financial Group. Having questions about retirement and financial planning is normal, and the Brayshaw Financial Group is here to help! Reach out to Ben and Seth at 855-226-8551, or info@yourmoneyontap.com.
Money on Tap provides an in-depth look at the best way to manage your finances as you get closer and closer to retirement. Hosted by Ben Brayshaw and Seth Krussman This podcast is chock full of information regarding managing money, being smart with finances, and a beginner’s guide to stocks. This hour-long podcast is an easy listen and a great way to learn more about how to be smart with your finances.
On this episode of Money on Tap, Ben and Seth take a deep dive into the stock market world. S&P 500, Tesla, and indexes are just a few of the buzz words you will hear mentioned today. Although this subject can be daunting, the co-hosts of Money on Tap break each facet down into understandable terms. Furthermore, a lot of investors are not exactly sure where their money is actually going when they choose to invest in stocks. Learning about stock indexes and how they play into investing is a key part of this episode of Money on Tap. This ensures that both the beginner and advanced stock market follower can glean helpful tips from Money on Tap while not being too overwhelmed by the enormity of it all.
Ben Brayshaw and Seth Krussman are partners of Brayshaw Financial Group. Having questions about taxes and financial planning is normal, and the Brayshaw Financial Group is here to help! Reach out to Ben and Seth at 855-226-8551, or info@yourmoneyontap.com.
If you have a cell phone or a cell phone number, you can benefit from today's episode. There is no denying that the pandemic has altered our economy, but that is not the only monetary issue that comes with that. Tax scams are everywhere and the guys take you through 9 scams that you need to watch out for in 2020. Learn how to protect yourself today!
In today's show, Ben and Seth tackle a beast that has been a rising concern for the average worker today: Social Security. Everyone is affected by it and needs to know more about how it can impact your financial decisions as you get older. Will it be here in the years to come? From the fears we have now to understanding the future, the guys breakdown Social Security here!
In today’s show, Ben and Seth break down the history behind the stock market and just how it can benefit you as a new or returning investor. Is the stock market for me? Why am I not seeing the returns that others may have received over the years? If you’ve got questions and the stock market as always seemed like a mystery, this episode will unveil those answers for your potential at financial growth! Join us today on Money on Tap!
There is an abundance of activity going on right now, but today’s show is all about taking it back to basics. How can you make the right personal finance decision today that will set you up for the next 10 years? Are you in the position to make investment choices based on your current finances? What will we do if the coronavirus returns? All of these questions are answered with these 12 tips that can be used a model for your stock market investing practices.
If you’re struggling with the idea of retiring, especially during this financial crisis, this is another great episode for for you. Today, Seth and Ben go through detailed steps that can guide your retirement decision making in this fluctuating market. Money in the News breaks down the truth revolving around a touch-and-go market and how you can manage your investment decisions. Check out how these tips fit in with our “new normal” right here on Money on Tap!
Are you thinking about or currently handling estate settlements? Our guest speaker for today, Marisol Goodman Attorney at Law, is here to help! Specializing in estate planning, estate/ trust administrations and cooperation formation, she goes in detail about the best way to manage your finances, changes in documentation processes and navigating through the courts of the estate world. Are you ready to learn about making the most of your estate? Keep listening!
Summary- All first time, long term or considering investors are going to enjoy today’s episode. Before the guys dive into today’s topic, Ben and Seth go over Money in the News. They review how Warren Buffet is changing his rules, examine movements of the Dow and discuss the effects this quarantine has had on the economy. The main topic of today’s episode is about tax loss harvesting. What is it really, is it even worth it and how can it benefit your investment portfolio? Join us for Money on Tap!
“To yield or not to yield, that is the question!” Since the COVID-19 pandemic occurred, questions about our economy or different ways to make money are circling. Today on Money on Tap, the guys are diving into the tax benefits of real estate. While it is considered to be an aggressive market, it can also be a segue into producing passive income. Listen in today on how you can use one of your largest investments to help you build a secure financial future for your family!
Are you wondering what levers you can pull? We have come up with 10 ways you can invest right now to corner the market and build an evergreen strategy.
The Market has changed a lot since 2019. What opportunities do you need to address and how can you turn lemons into lemonade. #smartmoneymoves
Take some time to read positive headlines and see where we are investing to lead us out of the Covid-19 dive.
Join Sean O'Hara president at Pacer ETF Distributors for an engaging timely discussion about tactical asset management and how this tax efficient vehicle can help protect and support your goals through better portfolio diversification.
Listen now to this recent live radio update on covid-19 by Ben and Seth hosts of Money On Tap and planners with Brayshaw Financial Group, LLC Money On Tap
Covid-19 has a lot of fear behind it. We are looking at the numbers, cutting through the noise, bring a plan and understanding to what you can do for your investments today, protecting and maximizing your returns.
Why risk something as significant as your retirement, your happiness or your goals? Risk takes many forms and has several benefits along with potential unforeseen consequences. How can you improve your position and take advantage of the inherent risk surrounding you and avoid some unnecessary risk you may not need in your plan? This is what's on tap today. Learn all you can and stay financially healthy and free.
We are breaking down the pros and cons of Robo Advisors today. Learn how you can take advantage and pull this piece of fintech into your plan.
Generations educate the next generation whether we like it or not. What have we learned? How can we help our next generation become financially literate and engaged in good financial practice?
Robo Advisor services are popping up everywhere. This technology is nothing new to the financial planning world but has now started to take off in the broader consumer market. How does this fit in to your goals and help you create a better financial solution?
What do Nike, Microsoft, Walt Disney and Goldman Sachs all have in common? They are all in the Dow Jones Industrial Average, along with 26 other large companies worth noting. What do these 30 companies and such a historic and storied index tell us? Why do we think its only going higher? Find out on today's episode of Money On Tap!
The constant pressure from inflation can tear apart your retirement. Learn how to adjust and stay ahead of it through your retirement.
You may want to look into moving in retirement for several reasons. Cost of living, Location, Amenities, Taxes and Healthcare are only a few of the considerations. Here are 11 states that take the cake when looking at making your retirement location work for you.
The post 11 States To Retire In With A Fixed Income appeared first on Money On Tap.
Show #100 is a doozy with all sorts of advice for our DIY retirement listeners. Money in the News: Streaming services are turning up the heat with all new lineups of movies, series, startups and buyouts. Who will lead the pack and who takes over your vote as the number one streaming service. Airbus overtakes […]
The post Show #100 DIY Retirement Road Rules appeared first on Money On Tap.
The Gist: A salute to Fathers – appreciating and honoring Fathers through thoughtful and humorous quotes. ..Tips on growing your IRA/401K – things to do and not to do. Today’s main topic: Seth and Ben talk about transition support for our aging parents. An enormous conversation that details many aspects that need to be considered […]
The post 401(K) Tune Up appeared first on Money On Tap.
Property and Casualty Insurance go hand in hand with financial planning.
The post 2 Truths and a Lie appeared first on Money On Tap.
On this Money on Tap we look at Monte Carlo simulation to help us understand the impact of risk and uncertainty when it comes to financial forecasting models. It helps us see many of the potential outcomes and the potential risk of those decisions.
The post Monte Carlo appeared first on Money On Tap.
The grim reality of that special day that comes every year – Tax Day! Today we look at that dreaded day and some of the things you should be aware of and how it may affect you.
The post Death and Taxes…Smile :) appeared first on Money On Tap.
Preparing your legacy for the generation to follow is best done proactively before the deathbed, putting all the legal pieces in place while there is time to make sound judgment decisions.
The post Legacy Planning appeared first on Money On Tap.
Synopsis: Discussing Life insurance at a Party may be a conversation crusher but understanding the importance of being properly insured and how it can bring peace of mind is a hugely necessary conversation. Find out on today’s show how The Power of Life Insurance can make a big difference in an emergency. Money in the […]
The post The Power of Life Insurance appeared first on Money On Tap.
Synopsis: Looking at a couple of methods of investing: Passive and Tactical. Exploring the major differences between the two and identify the pros and cons. Why you might choose a more conservative investment over an aggressive one. Also a look at Risk Tolerance. Money in the News: Ninety-Three year old Iowa man has his wedding […]
The post Investing With Your Money Passive & Tactical Investing appeared first on Money On Tap.
Synopsis: A rundown of how the market turned out in 2018. The last quarter was a particular challenging year and December was especially volatile in 2018. Money in the News: Portland Oregon man locked in Burger King Bathroom for an hour. As compensation, local manager offers man free Burger King Meals for life until district […]
The post The Most Wonderful Time of the Year appeared first on Money On Tap.
The market is currently a nightmare but fortunately market nightmares do end and preparing for nightmares can be better too. Volatility in the market can be a scary thing and cause us to react out of fear. Ben, John and Seth help us to make wise, proactive decisions in an unpredictable environment. Seek the help […]
The post The Do's and Don'ts of Market Volatility appeared first on Money On Tap.
Because every horrific show deserves a sequel. In the next 20 plus years a huge wave of individuals will be retiring in what is being called The Retirement Tsunami. In part two of The Retirement Tsunami, we’ll look at Solutions – steps investors can take to help make things better in retirement years. Making better […]
The post The Return of The Retirement Tsunami appeared first on Money On Tap.
Welcome Erik Morton, Insurance Agent heading up the Brayshaw Financial Division from Vancouver WA, (specializing in property casualty insurance) shares the importance of being properly insured with the right kind of insurance and the right amount of coverage. Money in the News: The tax impact from lottery winnings (referring to recent Billion dollar lottery), the […]
The post Property & Casualty Insurance…Looking For The Right Coverage appeared first on Money On Tap.
In the next 20 plus years a huge wave of individuals will be retiring in what is being called The Retirement Tsunami.
The post Retirement Tsunami appeared first on Money On Tap.
A lot of fun on this episode. We get into some ways people lock themselves into or out of options in retirement and get to spend some time with Jobin Roofing.
The post The Retirement Trap – You Never Saw Coming appeared first on Money On Tap.
F.I. It's the comeback movement you can be a part of and we love. Why not get free and retire early or get free and do the work that fulfills you.
The post Financial Independence appeared first on Money On Tap.
Target date funds are a taking center stage. Are these easy to use retirement planning strategies or just setting us up for retirement failure?
The post When Target Date Funds …. Hit The Fan! appeared first on Money On Tap.
Discover Solutions to Insurance In This Changing Menu of Long Term Care.
The post Long Term Health Care Second Course appeared first on Money On Tap.
The enormous rising costs of healthcare and insuring your ability to plan for these are what's happening today on Money On Tap.
The post Long Term Health Care… It's What's For Dinner appeared first on Money On Tap.
We have all felt the irritation and pain of being judged. Many of us are even critical of ourselves. Welcome to the No Judgement Zone, prepare to rid ourselves of limiting mindsets and start talking about dreams and goals. Even better lets start creating a plan on how to accomplish them.
The post The No Judgement Zone! appeared first on Money On Tap.
Delaying retirement may not sound like the ideal plan but more and more people are discovering how meaningful and fulfilling this can be.
The post Delaying Retirement appeared first on Money On Tap.
One of the greatest privileges is for us to speak into the next generation. Learn about lessons others have taught us and are valuable to leave behind.
The post Investing In The Next Generation appeared first on Money On Tap.
One of the largest wealth transfers is upon us. Learn what you need to know in order to deter the tax man.
The post The Best Way To Inherit An IRA appeared first on Money On Tap.
Hindsight is 20/20. Discover 9 of the most common money mistakes that you can avoid.
The post 9 Common Money Management Mistakes appeared first on Money On Tap.
Explore With Us One Of The Building Blocks Of Great Personal Finance.
The post Financial Inventory – Where do you Stand Financially appeared first on Money On Tap.
Some Spend Others Save, Chances Are If You Are One, You Married The Other. Have Fun! Learning How To Be Successful Together In Marriage.
The post Marriage & Finances appeared first on Money On Tap.
Annuities- 5 Questions To Ask If They're Right For You
The post Annuities – 5 Questions To Ask If They're Right For You appeared first on Money On Tap.
401Ks – Great! Now What?
The post 401Ks – Great! Now What? appeared first on Money On Tap.
10 tips in this Market to Maintain Sanity & Control
The post The Markets Are Out Of Control – Are You? appeared first on Money On Tap.
Buyer Beware! Look Before You Leap.
The post Buyer Beware appeared first on Money On Tap.
Maybe It's Time For An Investment Makeover
The post Evaluating Your Investment appeared first on Money On Tap.
Who Thought The Two Would Become One? We Uncover Multiple Ways To Save More Money On Your Taxes…
The post Saving Money…. On Your Taxes… appeared first on Money On Tap.
We Take A Break From Our Regularly Scheduled Programming To Answer Some Of Your Questions!
The post Listener Questions appeared first on Money On Tap.
Maybe It’s Time For An Investment Makeover!!
The post Evaluating Your Investment Style… appeared first on Money On Tap.
Market Drops Are Inevitable–Being Prepared Can Leave You In A Better Place
The post Are You Prepared For Market Drops? appeared first on Money On Tap.
What Investors Think, And How Advisors Plan For Retirement Income….
The post Bridging The Planning Gap! appeared first on Money On Tap.
The Most Sweeping Tax Code Update in 30 Years and What This Means for Corporate and Personal Taxes…
The post 2018 Tax Cut! You Keep More Of Your Money! appeared first on Money On Tap.
Nine Things You Need To Know About the Big Republican Tax Reform Bill—Filtering Through The Noise
The post Trump Tax Bill appeared first on Money On Tap.
Layering Your Retirement Income With Tax Efficiency In Mind… There are a lot of ways to help minimize taxes. When working with our clients, we talk with them about creating balance. Saving taxes is important now, but many times, people forget about saving taxes in the future too. How much will this mean for them […]
The post Tax Free Streams Of Income appeared first on Money On Tap.
Five Retirement Land Mines: Avoiding These Can Help You Get Where You Want To Be! In today’s world, with so many factors in play there are things you have to be careful of when investing. Now of course, you can’t avoid all of these landmines, but you need to be aware of what they are, […]
The post Five Retirement Landminds appeared first on Money On Tap.
Finding The Right Advisor And Understanding How They Can Help! That’s What's On Tap Today!
The post What To Look For In An Advisor appeared first on Money On Tap.
Feeling Behind In The Game? The Power Of Compound Interest And Developing A Plan May Help You Get Back On Track!
The post The Good, The Bad, And The Ugly! appeared first on Money On Tap.
Simple, Common mistakes you want to make sure not to do. On today's show, we are going to spend the bulk of it talking about something that is very important. Insuring you know where your financial assets are going after you are no longer here. I know we have talked about it in the past, […]
The post Estate Planning Blunders appeared first on Money On Tap.
We Are Surrounded By Alternatives—Discover Why This Asset Class Gets So Much Attention And What It Means For You!
The post Alternative Investments…Means What??? Exactly! appeared first on Money On Tap.
Qualified Accounts Have Their Advantages Up Front But May Cost You Later
The post Time To Pay The Piper appeared first on Money On Tap.
Location, Location, Location! Decisions On One Or More Retirement Locations Is On Tap Today.
Collisions Are Inevitable...Becoming Profitable From Changing Demographics Is What's Behind The Wheel Today...
Some Questions Take More Time And Let's Face It … Your Worth It! Join Us While We Dive Into Your Financial Questions On MOT!
From Ponzi schemes to whether to contribute to a Roth or Traditional IRA-- we tackle some of your toughest questions!
Post Trump election talk! How might things look during a Trump presidency? Plus the BONUS TRACK on "Tactical gifting".