The Real Money Pros: Recent Episodes
Tree City Advisors
Money: you make it, you want more of it, and you want to protect it. We are The Real Money Pros, a show hosted collaboratively by experts who specialize in investing, financial and estate planning, taxes, insurance, and any other way to grow wealth. Plus, we make it fun! We help you know good advice from bad - especially when everyone seems to want a piece of your money.
www.TheRealMoneyPros.com
Where you invest your money is only part of the equation. Which accounts hold those investments, how they're taxed, and where you eventually take income from can have just as much impact on your financial plan.
Brian Wiley and Jeremiah Bates begin with a listener looking for conservative retirement income, breaking down Treasury bills, notes and bonds, buying at auction versus the secondary market, bond ladders, CDs, annuities, interest-rate risk, and why avoiding state income tax shouldn't be the only consideration when choosing an investment.
The conversation then turns to asset location and retirement income—how taxable accounts, traditional IRAs, 401(k)s and Roth IRAs should work together, and how taxes can influence which accounts you spend from in retirement. The hosts also discuss staying disciplined through market volatility, investing for younger generations, and compare Trump Accounts with 529 plans and custodial accounts.
The show closes with listener questions on Backdoor Roth IRAs, the pro-rata rule, consolidating old retirement accounts, and how to fund large retirement expenses without creating unnecessary taxes.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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For many entrepreneurs, their business is their largest financial asset, but very few know what it's actually worth or what it takes to maximize its value before an exit.
This week, our team is joined by Jeff Szczypinski of WR Valuation for an in-depth discussion on business valuations and why they're about much more than determining a sale price. They explain how valuations support retirement planning, succession planning, estate planning, buy-sell agreements, gifting strategies, and ownership transitions. The conversation also covers the biggest drivers of business value, including management teams, key-person risk, customer concentration, financial records, and buyer due diligence, along with practical ways business owners can increase the value of their company before going to market.
The discussion continues with retirement and tax planning for self-employed business owners, covering SEP IRAs, SIMPLE IRAs, Solo 401(k)s, contribution strategies, employee considerations, and how choosing the right retirement plan can help reduce taxes while building long-term wealth. Throughout the show, the hosts emphasize that a business valuation isn't just about selling your company—it's one of the most valuable planning tools a business owner can have when preparing for retirement and protecting their family's financial future.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Selling a business is one of the largest financial events many entrepreneurs will ever experience... But most owners spend years building their company without spending nearly enough time planning how they'll eventually leave it.
Jeremiah and Nic discuss why successful business exits begin long before a purchase offer arrives. They explain why business owners should start planning two to three years before selling, the importance of obtaining a professional business valuation, preparing financial records for buyer due diligence, building enterprise value instead of simply generating income, and coordinating your CPA, attorney, valuation specialist, and financial advisor throughout the process. They also share real client examples that illustrate the dramatic difference between proactive planning and trying to figure everything out after the sale has already occurred.
The guys also explore why nearly 92% of small businesses never actually sell, common succession planning mistakes, and why many owners underestimate the value they've spent decades creating. Listeners will hear practical discussions about treating a business as an investment asset, creating retirement income after a liquidity event, and avoiding costly tax mistakes once a large lump sum is received.
Jeremiah and Nic cover advanced tax planning strategies, including donor-advised funds, managing large capital gains, charitable giving, and the distinction between ordinary income and capital gains taxation. For business owners and self-employed professionals, the hosts review tax-saving opportunities available through SEP IRAs, SIMPLE IRAs, Solo 401(k)s, Cash Balance Plans, Mega Backdoor Roth strategies, S-Corp elections, bonus depreciation, and other planning ideas that can help reduce taxes while building long-term wealth.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Owning an annuity you no longer like does not automatically mean surrendering it is the right decision.
Nic has the discussion of how to evaluate an annuity that no longer seems to fit your retirement plan. He walks through the reasons investors become dissatisfied with their contracts, the questions to ask before making a change, and the different options that may be available. Depending on the contract and your circumstances, the answer could be to keep the annuity, wait for surrender charges to expire, take partial withdrawals, complete a 1035 exchange, begin using its income features, or surrender it entirely.
Nic also explains why frustration alone is not enough to make the decision. Taxes, surrender penalties, income riders, guarantees, opportunity cost, age, and retirement goals all need to be considered together. Sometimes remaining in an annuity can be costly. In other cases, leaving it may create even more damage. The right answer depends on what you own, why you bought it, and whether it still serves a purpose in your financial plan.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Retirement taxes are rarely as simple as people expect, and making the wrong withdrawal at the wrong time can have consequences far beyond your tax bill.
In our first hour, Jeremiah Bates and Alex Lundgren explain how IRA withdrawals, pensions, Social Security, brokerage accounts, Medicare IRMAA surcharges, and capital gains work together to shape your lifetime tax picture. They discuss why major purchases, home remodels, and other large withdrawals deserve careful planning to avoid unnecessary taxes and higher Medicare costs.
The conversation later shifts to Social Security planning. The hosts cover when to claim benefits, how working before full retirement age can affect payments, filing strategies for married couples, survivor benefits, and why Social Security should be coordinated with the rest of your retirement income plan instead of viewed in isolation.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Whether you're starting a business, growing one, or preparing to exit, the financial decisions you make today can have long-term tax and estate planning consequences.
In Hour 1, Brian Wiley and Jeremiah Bates explain the differences between LLCs and S Corporations, when an S Corp election may make sense, how business structure affects taxes and liability, and why business owners should coordinate their entity planning with their estate plan. They also discuss cost basis, inherited assets, and avoiding costly mistakes before they happen.
Hour 2 shifts to investing, covering concentrated stock positions, strategies for managing highly appreciated investments like Micron, investor psychology, and ways to think through market volatility, geopolitical events, and portfolio risk without letting headlines dictate your decisions.
The final hour answers listener questions on business succession planning, selling a closely held business when family members don't want to take over, Qualified Opportunity Zones and the upcoming 2026 tax deadline, evaluating annuities within a comprehensive financial plan, and why fiduciary advice should focus on your entire financial picture—not just one investment account.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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For many, index funds are one of the best ways to build long-term wealth. But as portfolios grow and taxable investments become a larger part of the picture, the conversation often shifts beyond investment returns.
Today, Nic talks about how direct indexing fits into the next stage of financial planning. He explains why successful investors with large taxable brokerage accounts may begin looking for additional flexibility around taxes, portfolio customization, and managing highly appreciated assets.
You'll learn how direct indexing differs from traditional index investing, why tax-loss harvesting is only part of the story, and how this strategy may fit into a broader financial plan. Nick also discusses who direct indexing is designed for—and just as importantly, who it probably isn't.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Brian Wiley is joined by business coach and author Allison Dunn for a conversation about why critical thinking is one of the most valuable financial skills an investor, business owner, or retiree can develop. They discuss how better decision-making applies to retirement planning, leadership, investing, and navigating life's biggest financial choices.
The show also answers listener questions on retirement planning, including how to coordinate 401(k)s, Traditional IRAs, HSAs, and Roth conversion strategies to improve tax efficiency. Brian explains why retirement accounts should be viewed both individually and as part of one comprehensive financial plan, while also discussing health insurance planning before Medicare eligibility.
Later, the conversation turns to long-term care planning, estate planning, trusts, and the pros and cons of self-funding versus insurance-based solutions. They also explore fiduciary advice, family communication around money, Micron stock and concentrated positions, investor psychology, and why having a thoughtful process often leads to better financial outcomes than simply reacting to markets or emotions.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guest:
Allison Dunn, Author and Business Coach
https://deliberatedirections.com/think-first-allison-dunn/
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Most families don't think about Medicaid planning until they're facing a health crisis—but by then, some of the best planning opportunities may already be gone.
Nic and Jeremiah are joined by Brooke Baker and Jessica Young of Legacy Navigation for an in-depth conversation about the realities of long-term care, Medicaid eligibility, and protecting family assets. Together, they break down the differences between Medicare and Medicaid, the true cost of care, common misconceptions about qualifying for benefits, and why so many families find themselves overwhelmed when a loved one suddenly needs assistance.
The discussion explores real-world planning considerations, including asset protection strategies, the five-year lookback period, spousal protections, estate recovery rules, and the challenges families face when trying to navigate the complicated system on their own.
Guests:
Brooke Baker & Jessica Young
Legacy Navigation
https://legacynavigate.com/
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Brian Wiley and Jeremiah Bates open the show with a discussion on concentrated stock positions, portfolio rebalancing, and the challenges investors face after large gains. Using examples ranging from Micron stock to broader market opportunities, they explore diversification, risk management, investor psychology, and the ongoing battle between fear and greed. The conversation also examines what it really means to be wealthy, how to think about financial independence, and why having a plan matters more than chasing the next investment opportunity.
The second hour focuses on retirement income planning and highly appreciated assets, particularly rental properties. They discuss capital gains concerns, 1031 exchanges, Delaware Statutory Trusts (DSTs), step-up in basis rules, and strategies for investors who want to simplify their lives without creating unnecessary tax consequences. They also cover Treasury bills, retirement withdrawal planning, income-focused investing, and how to evaluate whether your assets are positioned to support your long-term goals.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Brian Wiley
—————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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SpaceX officially went public, raising a record $75 billion and becoming the largest IPO in history—and Jeremiah Bates and Nick Daniels spend the first hour breaking down what that means for investors, how IPOs work, whether buying newly public companies makes sense, and how many investors may gain exposure through index funds and retirement accounts.
The conversation then shifts to a major tax planning issue approaching at the end of 2026: Qualified Opportunity Zone (QOZ) investments. The guys explain why deferred gains from these investments are becoming taxable, the planning opportunities available before the deadline, and what investors should be doing now to prepare.
The show also covers donor-advised funds, highly appreciated stock strategies, the differences between flat-fee planning and traditional asset management, and practical retirement tax planning topics including required minimum distributions (RMDs), qualified charitable distributions (QCDs), Roth conversions, and Medicare-related planning opportunities.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Estate planning used to be relatively straightforward: create a will, establish a trust if appropriate, and make sure your beneficiaries were named correctly.
Today, it's much more complicated.
We talk about how modern estate planning has evolved beyond traditional documents and why many families may have planning gaps they don't realize exist. Common reasons estate plans become outdated, the growing importance of digital assets, and the challenges families can face when trying to access online accounts, digital photos, cloud storage, payment apps, and other assets that didn't exist when many estate plans were originally created.
We also discuss the difference between legal authority and practical access, why estate planning should be reviewed periodically, and simple steps families can take to reduce confusion and stress for loved ones.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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What happens to your money, your assets, and even your digital life if you don't have children to step in?
Jeremiah Bates and Alex Lundgren spend the first hour tackling one of the fastest-growing estate planning challenges in America: planning for incapacity and inheritance when there are no children or obvious heirs. The discussion covers power of attorney decisions, trustees, elder abuse risks, professional fiduciaries, pet trusts, digital assets, online accounts, passwords, and why failing to plan can leave critical decisions in the hands of the court.
The second hour shifts to a major market story: SpaceX's highly anticipated IPO. Jeremiah and Alex break down how IPOs actually work, why many investors misunderstand them, the risks of buying into market hype, and how SpaceX could eventually impact index investors and retirement accounts through future index inclusion.
The final hour focuses on practical planning decisions, including pension maximization strategies, large income windfalls from business sales and acquisitions, Medicare and tax planning considerations, and tax gain harvesting opportunities for investors sitting on significant unrealized gains.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
—————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Can you really know if you're ready to retire?
Jeremiah and Alex spend much of this episode unpacking one of the most commonly misunderstood tools in financial planning: retirement projections and Monte Carlo simulations. They explain what an 85% or 90% probability of success actually means, why those numbers can be useful, and where they can create a false sense of certainty if they're viewed in isolation.
They explores sequence-of-return risk, retirement spending assumptions, inheritance surprises, and the reality that successful retirement planning requires far more than simply hitting a target number.
Later in the show, Jeremiah and Alex tackle another area where people often misunderstand the rules: company stock compensation. They break down how RSUs, stock options, and employee stock purchase plans work, why taxes can catch employees off guard, and the planning opportunities available when company stock becomes a meaningful part of your net worth.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
—————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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For decades, most people focus on one side of retirement planning: Saving money, building investments, and growing retirement accounts.
But eventually the question changes: "How do I actually live off this?"
Nic talks about one of the biggest and most overlooked transitions in retirement: replacing a paycheck with income created from your own portfolio.
From dividend-paying investments and automated distributions to cash reserves, taxes, Roth flexibility, and income coordination, Nic explains what retirement income actually looks like in the real world and why it's often much more complex than simply "living off dividends." He also dives into the emotional side of retirement income planning, including why so many people struggle with touching principal, spending from their own assets, and maintaining confidence once the steady paycheck disappears.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Financial problems don't always come from bad decisions—they often come from not understanding the rules. Jeremiah Bates and Nic Daniels break down the costly financial mistakes people make when acting without a clear strategy. The conversation starts with the growing threat of AI scams, wire fraud, romance scams, and why even younger, financially savvy individuals are getting caught off guard.
From there, the show moves into retirement planning mistakes—how improper 401(k) rollovers can trigger unnecessary taxes and penalties, why understanding account rules matters, and when consolidating scattered retirement accounts makes sense.
The hosts also tackle highly appreciated stock positions, Roth conversion strategy after age 65, Medicare premium impacts, Social Security coordination, and tax-efficient ways to unwind concentrated positions.
The broader theme throughout the episode is simple: many of the most expensive financial mistakes are completely avoidable with proper planning…
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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"I'd retire tomorrow… if it weren't for health insurance." It's one of the most common concerns we hear from people approaching retirement, especially those hoping to leave work before Medicare begins at age 65.
In this podcast, Nic Daniels breaks down the real planning considerations behind retiring before Medicare eligibility. From COBRA and Affordable Care Act marketplace plans to spouse coverage, bridge employment, and self-funding healthcare costs, Nic walks through the high-level options people should be aware of.
But this conversation goes beyond just healthcare, because depending on how retirement income is structured, healthcare costs may be impacted by ACA subsidies, tax strategy, and withdrawal planning decisions. Nic also shares a real planning example involving a household looking to retire early and how outside assets—not retirement accounts—helped create flexibility in bridging the gap to Medicare.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts: Nic Daniels
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Jeremiah Bates and Alex Lundgren spent Mother's Day weekend tackling one of the biggest financial issues many families avoid until it's too late: long-term care and the cost of aging.
The show opens with Brooke Baker and Jessica Young, Co-Founders of Legacy Navigation, breaking down how Medicaid actually works, what it really covers, and the biggest misconceptions families have around qualifying for benefits. The conversation covers in-home care, assisted living, memory care costs, spousal asset protection strategies, the five-year lookback rule, and why certain estate planning decisions can accidentally create Medicaid problems later on.
Going into the second hour, Jeremiah and Alex pivot into another major planning blind spot: letting taxes dictate investment decisions. They discuss concentrated stock positions, large unrealized gains, rental property sales, 1031 exchanges, Medicare IRMAA surcharges, and why many investors hold onto assets longer than they should simply because they fear the tax consequences.
Throughout the show, the bigger theme remains the same: most financial problems become significantly harder when planning is delayed. Whether it's long-term care, estate coordination, taxes, or investment decisions, this show focuses on why proactive planning matters before life forces the issue.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
Guests:Brooke Baker, RN & Jessica Young, MSW
Co-Founders of Legacy Navigation
https://legacynavigate.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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What happens when your 401(k) suddenly surges and your lifestyle starts rising with it?
This week, Brian and Jeremiah uses a real example of Micron stock climbing over 600% in about a year to show how quickly investor behavior can change. They break down how rising account balances lead to increased spending, more confidence, and a shift away from the original concern many had just a year ago: how to generate reliable income in retirement.
The conversation centers on a key idea: Growth doesn't solve income. Without a plan, big gains can actually increase risk by creating dependency on account values rather than sustainable cash flow.
A caller dealing with Boeing stock highlights another real-world issue: confusion around ownership, dividends, and managing investments held outside traditional custodians. Plus, when to reassess, how to convert gains into income, and why protecting what you've built matters just as much as growing it. The guys also introduces the concept of "insuring" investments and recognizing the cycle between fear, growth, and overconfidence.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Brian Wiley & Jeremiah Bates
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Taking money out of your accounts sounds simple… but it's usually not as simple as it seems.
In this episode, Nic walks through why withdrawals are more than just getting cash. They're actually one of the biggest tax decisions you'll make, especially in retirement. From understanding the difference between pre-tax, Roth, and brokerage accounts to seeing how each one impacts your taxes over time, this conversation focuses on how small decisions today can create bigger consequences down the road.
He also shares real examples, including helping a child with a down payment and a situation where a "0% interest" car purchase ended up costing a couple thousands in additional Medicare premiums—all because of how the money was taken out.
The goal here isn't to avoid taxes completely. It's to think more intentionally about when you deal with them, and how those decisions fit into your overall plan. Because it's not just about getting money out—it's about getting it out the right way.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host: Nic Daniels
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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A simple tax question turns into a bigger realization: even if you don't owe income tax, you can still owe thousands in self-employment tax. Brian and Alex break down why a new graduate's tax bill didn't disappear after the standard deduction—and how Social Security and Medicare taxes quietly hit 1099 income at ~15%, catching a lot of people off guard.
They shift into the real math behind Social Security—how a system that started at 1% contributions grew to over 15%, why it's under pressure, and what would actually have to change to keep it functioning. They challenge common fears around "running out of money" while explaining why the system is more likely to be altered than disappear.
The duo also tackles concentrated stock risk, using a long-term Micron example to illustrate the tension between holding winners and having a plan to exit. A standout segment features a recent widow navigating retirement with limited assets, raising key questions around survivor benefits, Social Security timing, and turning $250K into sustainable income.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts: Brian Wiley & Alex Lundgren
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Most people don't have a money problem—they have a follow-through problem. Brian Wiley and Jeremiah Bates use real-life case studies, including a massive estate mess left behind by Brian's own father, to show why DIY financial planning often leads to incomplete or broken outcomes—especially when trusts aren't properly funded or plans aren't kept up to date.
The conversation goes into estate planning mechanics, breaking down how wills vs. trusts actually work, why co-trustee structures can create logistical nightmares, and how poor coordination leads to delays, legal headaches, and family tension (even when intentions were good).
The guys also covers actionable planning topics, including when to pay off student debt versus investing, how to think through competing financial priorities, and a detailed listener question on using IRA funds to fund an HSA—highlighting rollover rules, contribution limits, and tax implications.
Plus, a key question for business owners: when it makes sense to move from a SIMPLE IRA to a 401(k), including higher contribution limits, added flexibility, and the real cost of compliance.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Guaranteed income is often seen as the goal in retirement, but it comes with trade-offs that many investors don't fully understand.
This podcast breaks down what you're actually giving up when you exchange a lump sum for a fixed income stream. While guaranteed income can provide predictability and peace of mind, it often comes at the cost of flexibility, control, liquidity, and long-term planning opportunities.
Nic walks through how these decisions impact your ability to adapt to life changes, manage taxes, respond to market opportunities, and leave assets to heirs. He also explains why focusing only on the income amount can lead to oversimplified decisions with long-term consequences.
It isn't about whether guaranteed income is good or bad—it's about understanding the trade-offs and making sure the decision fits into a broader financial plan.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host: Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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A volatile stretch tied to the Iran conflict quickly reversed last week, giving us a real-time example of how fast markets can swing and why reacting to short-term headlines can backfire.
Jeremiah and Alex tackle listener questions, starting with whether apps like Acorns are a legitimate way to build wealth and leave money behind for family. That conversation turns into a deeper look at estate planning basics, including when simple tools like transfer-on-death designations work—and when they fall short.
A standout segment features a real listener story about naming multiple co-trustees, which led to months of delays, bank complications, and family tension. The hosts break down why this happens and how to avoid it.
Finally, the episode dives into retirement income planning, specifically whether lifetime income annuities belong in the "income bucket," and the trade-offs between guaranteed income and losing flexibility.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Alex Lundgren
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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If you have one, choosing between a pension lump sum and monthly income may seem simple, but it's one of the most important financial decisions you'll make in retirement. Nic breaks down the key differences between taking a guaranteed monthly pension and opting for a lump sum payout. While many people approach this decision based on whether they "need income," Nic explains why that thinking often falls short.
From investment responsibility and market risk to tax flexibility and long-term income planning, both options come with trade-offs that extend far beyond the initial decision. He also highlights factors many people overlook, including how income behaves over time, the impact on a surviving spouse, and how taxes can play a significant role depending on which path you choose. And the right answer depends on how this choice fits into your overall financial strategy.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts: Nic Daniels
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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With tax deadlines approaching, we talk about the real-world complexity of Roth conversions—starting with a detailed caller scenario that highlights how confusing the rules can actually be. Brian and Jeremiah walk through how taxes are paid on conversions, when estimated payments are required, and unpack lesser-known strategies like the "withhold and replace" approach and the 60-day rollover rule.
The show also covers a second caller navigating a pension lump sum, breaking down rollover options, how to access funds without unnecessary penalties, and strategies like 72(t) distributions. Along the way, the hosts explain why even simple financial decisions can become complicated when taxes are involved, and why many advisors fall short when it comes to coordinating tax strategy with investment planning.
Financial planning isn't just about what you do—it's about how and when you do it, especially when taxes are involved.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Many investors believe they have a financial plan. When in reality, they simply have an investment account... Nic Daniels and Alex Lundgren break down the critical difference between investment management and true financial planning. While investment management focuses on selecting funds and tracking performance, real planning goes much deeper—covering tax strategy, retirement income, risk management, estate coordination, and life transitions.
They discuss common scenarios where portfolios have grown successfully over time, but clients lack a clear plan for how to turn those assets into sustainable income. From tax-efficient withdrawal strategies and Roth conversions to planning for market volatility and major life events, this episode highlights what should actually be part of the conversation.
They also outline key red flags that may indicate you're not receiving real financial planning—and what proactive, comprehensive planning should feel like. Because growing your money is only part of the equation!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts: Nic Daniels & Alex Lundgren
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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With markets entering correction territory, Brian and Jeremiah break down what recent volatility actually means and how investors should respond without making emotional mistakes. They explain how rising oil prices, inflation expectations, and interest rate uncertainty are driving market swings, and why having a strategy in place matters more than reacting to headlines.
The conversation then shifts into actionable tax and investment planning. The guys walk through strategies like tax-loss harvesting, managing concentrated stock positions, and why reducing taxes can be just as impactful as chasing higher returns. They also highlight commonly missed opportunities, including properly funding HSAs and coordinating tax decisions with your overall investment strategy.
A key segment focuses on what investors should expect from a financial advisor. After a caller shares frustration with being pushed off to a CPA, the hosts explain why true fiduciary advice should include tax-aware planning, guidance on Roth conversions, Social Security timing, and a fully coordinated strategy—not just investment management.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Most couples assume taxes will decrease when one spouse passes away, but in many cases, the opposite happens. In this podcast, Nic focuses on the often-overlooked "Widow's Tax Penalty" and why it can create a significant tax burden for surviving spouses. When filing status shifts from married filing jointly to single, tax brackets shrink—often resulting in higher taxes on similar or even reduced income.
Nic explains how income sources like IRAs, Required Minimum Distributions (RMDs), and certain pensions may remain unchanged, while Social Security benefits are reduced. This combination can create what's known as "tax compression," where the surviving spouse faces higher tax rates and potentially increased Medicare premiums due to IRMAA thresholds. More importantly, this is why planning must occur while both spouses are still alive. From Roth conversions to asset location strategies, proactive planning can help reduce future tax burdens and protect long-term income.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host: Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages.
The show then shifts into practical, real-world financial planning conversations. The hosts walk through how to handle inheritances, including what happens to debt, how probate works, and why some assets may need to be liquidated despite emotional attachment. They also highlight lesser-known strategies like gifting appreciated stock, charitable giving for tax efficiency, and using HSAs more effectively.
In Hour 2, the conversation returns to fundamentals, breaking down retirement accounts like traditional IRAs and Roth IRAs in simple terms. How they're taxed, when contributions make sense, and how to use them to reduce taxes today while planning for future income.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles.
The conversation then shifts into deeper retirement planning strategy. Using real-world experiences, the guys walk through Roth conversion planning, including how investors with large IRA balances should think about converting money over several years to manage future taxes and required minimum distributions. They explore the trade-offs between converting aggressively versus managing tax brackets, how those decisions interact with Social Security timing, and why planning for unknown life expectancy makes retirement strategy more complex than simple math.
Brian and Jeremiah also touch on broader financial planning topics including market volatility, inflation expectations, estate planning considerations, and the importance of having a coordinated strategy across taxes, investments, and retirement income.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Long-term care is one of the biggest financial risks retirees face... yet it's rarely discussed until a crisis happens. In this podcast hosted by Nic Daniels, he explains what long-term care actually is, why it can be so expensive, and the common misconceptions surrounding who pays for it. Many retirees assume Medicare will cover these costs, but in reality most long-term care expenses must be paid out of pocket unless someone qualifies for Medicaid after depleting much of their assets.
Nic walks through the different ways families approach this challenge, including self-funding care, traditional long-term care insurance, and newer hybrid strategies that combine life insurance with long-term care benefits. Plus, why timing matters when exploring insurance options and why many people wait until it's too late.
Most importantly, this episode highlights the family and emotional considerations behind long-term care planning—because without a plan, the burden often falls on spouses or adult children.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
A surge in oil prices following escalating tensions between the U.S., Israel, and Iran sent energy markets sharply higher, raising new questions about inflation, interest rates, and how investors should respond. Jeremiah Bates and Alex Lundgren break down what a 35% spike in oil could mean for gas prices, consumer spending, and Federal Reserve policy, while explaining why reacting emotionally to geopolitical headlines can lead investors into costly mistakes. They discuss how markets historically digest global conflicts, why short-term volatility doesn't necessarily change long-term strategy, and how proper portfolio structure and liquidity planning can help investors avoid panic decisions during uncertain periods.
The show also dives into timely tax-season issues investors should watch closely. Jeremiah and Alex explain why 1099 forms aren't always correct, common errors involving Roth conversions and IRA distributions, and why Form 8606 is critical for documenting nondeductible IRA contributions. They also discuss refund delays tied to new tax law implementation, how HSA contributions can still reduce taxable income before the filing deadline, and what self-employed investors need to know about solo 401(k) reporting requirements.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Jeremiah Bates & Alex Lundgren
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Everyone thinks they're diversified... Until the market proves otherwise. In this podcast episode, Nic Daniels breaks down what diversification really means and why so many investors get it wrong. After years of strong market performance, it's easy to feel confident owning growth-heavy portfolios, tech ETFs, or even multiple S&P 500 funds. But are you truly diversified, or just concentrated in disguise?
Nic walks through real-world examples of "fake diversification," including overlapping mega-cap exposure, tech-heavy ETF combinations, U.S.-only portfolios, and the hidden risks inside high-yield income investments. He explains why bull markets mask concentration risk and how volatility quickly exposes it.
Most importantly, he outlines practical, tax-aware ways to gradually rebalance and build a portfolio designed not just to grow wealth — but to protect it. Diversification isn't about today's gains, it's about making sure one market shift doesn't rewrite your retirement.
Take Our BetterBuckets™ Assessment
https://www.therealmoneypros.com
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Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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As U.S. and Israeli strikes on Iran dominate headlines, Brian Wiley and Jeremiah Bates break down what a Middle East escalation could mean for oil prices, inflation, and the stock market. They analyze the risk surrounding the Strait of Hormuz, discuss how markets have historically responded to geopolitical shocks, and explain why panic-driven decisions often do more damage than the events themselves. Most importantly, they outline how proper liquidity planning and structured allocation can protect investors from being forced into bad moves during volatile periods.
The episode also features CPA Stephanie Helms, who unpacks the real details behind the new federal tax changes. From the fine print on "no tax on tips" and overtime pay to the new senior deduction for Social Security recipients and the complex auto loan interest deduction tied to VIN rules, the conversation exposes what actually qualifies and what doesn't. They also discuss state tax conformity issues, refund delays, and why some taxpayers may need to amend returns.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts
Brian Wiley & Jeremiah Bates
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Jeremiah and Nic start with a volatile week in the markets following the Supreme Court's decision to strike down President Trump's tariff authority and the market's surprisingly calm reaction. They explain why uncertainty, not bad news itself, drives volatility and how diversified portfolios, including small caps, value stocks, and international exposure, help investors stay resilient when headlines shift.
The conversation then turns to one of the most overlooked areas of financial planning: estate planning and account titling. They walk through the differences between wills and trusts, why wills do not avoid probate, and how simple steps like beneficiary audits, TOD and POD designations, and proper account ownership can prevent costly delays and family conflict. They also discuss whether trusts should be named as beneficiaries on IRAs, how inheritance rules differ for individuals versus trusts, and when simplicity is often the best strategy.
Rounding out the show, the duo covers tax-season pitfalls, including corrected 1099s, K-1 delays, Roth conversions, backdoor Roth mistakes, and why rushing to file taxes can create unnecessary problems.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This Saturday, Brian and Jeremiah dig into a timely and controversial topic: self-representation in real estate. Using a real client example, they explore why some buyers and sellers are bypassing traditional agents, how commission structures affect negotiations, and when professional representation truly adds value, especially in complex or high-stakes transactions. The conversation expands into the broader real estate industry, MLS practices, and whether technology and AI are beginning to disrupt long-standing models.
The show also tackles a critical investing issue: overconcentration risk. Through real-world stories, from individual stock success to catastrophic losses, the hosts explain how having too much money tied to a single company, property, or asset can quietly put long-term financial security at risk, even when things appear to be working.
Rounding out the episode, Brian and Jeremiah revisit the BetterBuckets™ strategy and explain how separating money into protection, income, and growth buckets helps investors stay disciplined during market volatility. They discuss income-producing options, dividend stocks versus bond funds, yield traps to avoid, and why focusing on purpose rather than headlines leads to better long-term outcomes.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Brian and Jeremiah talk about a volatile week in the markets with a deep dive into cryptocurrency, investor psychology, and why emotional reactions often lead to costly mistakes. The show breaks down Bitcoin's sharp pullback, putting it into historical context by explaining why 50%+ drawdowns have been a recurring part of its long-term behavior and why understanding your objective matters more than chasing momentum.
The conversation expands beyond crypto to examine broader market volatility, headline-driven fear, and the danger of reacting to short-term noise instead of sticking to a well-structured plan. Using real-world examples, the hosts explain how missing just a handful of the market's best days can dramatically reduce long-term returns and why disciplined investors are often rewarded after periods of panic.
The second hour shifts into practical planning topics, including how people actually buy and hold Bitcoin, ETFs versus direct ownership, and a candid discussion on annuities—when they may help, when they often don't, and how fear-based selling can lead to high fees and poor outcomes.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This episode blends financial psychology with practical planning. Brian Alex open by discussing a core principle of advice: why seeking guidance only helps if you're willing to follow it, and how emotional decisions often lead to expensive outcomes.
They answer listener questions about investing in silver, explaining how precious metals can fit into a diversified strategy when used appropriately, while cautioning against overconcentration and fear-based investing. The conversation also tackles political and economic anxiety, reinforcing that reacting to headlines or administrations rarely leads to better long-term results than sticking to a disciplined investment plan.
The show delivers actionable retirement planning insight through a detailed discussion on Roth conversions. Brian and Alex break down whether to pay conversion taxes from outside savings or withhold from the IRA itself, the trade-offs involved, and how these decisions interact with future tax brackets, Required Minimum Distributions (RMDs), and Medicare IRMAA thresholds. Additional listener questions cover college tax credits, 529 plan reporting, and foundational saving strategies.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts: Brian Wiley & Alexandra Lundgren
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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One stock can change your life — and then quietly become your biggest retirement risk.
Nic Daniels breaks down the dangerous side of a "winning" portfolio: stock overconcentration. Using Micron's explosive run as a real-world example (currently over $390/share as of the recording date), he explains how employees, long-time investors, and families who inherit stock can wake up to life-changing wealth… only to realize one company now controls their entire financial future.
You'll learn how concentration risk happens (often by accident), why investors get emotionally stuck holding oversized winners, and why the fear of taxes and "missing out" can lead to retirement-threatening decisions. Most importantly, Nic outlines practical, repeatable strategies for trimming a concentrated stock position over time — without panic selling or trying to perfectly time the market.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host: Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Brian and Jeremiah tackle a fast-moving financial landscape—where market volatility, tariff headlines, and economic uncertainty can push investors into emotional decision-making. The show explores a proposed 10% cap on credit card interest rates, debating whether it's consumer protection or government overreach, and how limiting risk can also limit opportunity.
They connect today's headlines to long-term strategy, using the BetterBuckets® strategy to explain how separating money into stability, income, and growth "buckets" helps investors stay disciplined when markets fluctuate. Through practical examples, they show why reacting to short-term fear can derail long-term financial success.
The show also features in-depth retirement planning guidance, including Roth conversion strategy, required minimum distribution (RMD) planning, Medicare IRMAA impacts, and the decision of when to claim Social Security. Listeners learn how tax efficiency, cash-flow planning, and understanding the ripple effects of financial decisions can create flexibility and reduce surprises in retirement.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Brian and Jeremiah dive one of the biggest questions investors should be asking: how do you know if your financial advisor is truly working in your best interest—or quietly profiting from hidden fees? This show starts by breaking down fiduciary vs commission-based advice, why transparency matters, and what listeners should ask to uncover all-in advisory costs—including mutual fund expense ratios, 12b-1 fees, and confusing share class structures like A, B, and C shares.
Plus, practical call-in planning: a homeowner selling property after decades in California learns how the $500,000 home-sale capital gains exclusion works for married couples, how improvements affect cost basis, and why moving states or turning a home into a rental can change tax outcomes. Finally, the hosts cover gig-economy tax basics—how DoorDash/1099 income gets taxed, the role of Schedule C, and why tracking deductions and mileage is essential.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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The first full trading week of 2026 kicks off with major headlines—and even bigger financial questions. In this episode of Real Money Pros, Jeremiah Bates and Brian Wiley react to the surprise Venezuela takeover and what it could mean for energy prices, investor sentiment, and potential opportunities in oil producers, refiners, and oil service companies. They tie current events back to long-term discipline using the BetterBuckets® system, explaining how investors can stay strategic instead of emotional when news cycles accelerate.
Listeners also get clarity on a major Social Security rumor—whether Social Security will be "tax-free." The hosts explain how Social Security taxation actually works, what "combined income" means, and why filing strategies can dramatically impact married couples.
Hour two shifts into actionable tax planning with CPA Stephanie Holmes and enrolled agent Patrick Brinzo, covering Big Beautiful Bill changes, senior deduction impacts, estimated tax payments and safe harbor rules, and the truth behind "no tax on tips" and "no tax on overtime."
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
As 2025 winds down with markets near all-time highs, we focus on how investors can stay disciplined, tax-efficient, and emotionally grounded heading into 2026. Jeremiah Bates and Nic Daniels unpack why market volatility—driven by headlines, politics, and forecasts—shouldn't dictate financial decisions, and how time-based "bucket" strategies help protect lifestyle spending regardless of market swings.
The guys go into common mistakes made by high-income earners, including excessive cash holdings, poor tax withholding, misreported backdoor Roth contributions, and costly surprises from mutual funds held in taxable accounts. Also, explaining how capital gains are taxed, how they affect Modified Adjusted Gross Income, and why understanding this distinction matters for Medicare premiums and tax planning.
Listeners also got a detailed breakdown of Health Savings Accounts (HSAs) versus state Medical Savings Accounts (MSAs), including what expenses are eligible, when premiums can (and can't) be paid, and how HSAs can double as long-term tax-advantaged investment tools.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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It's the season of giving—but does generosity come with a tax bill? Not exactly.
In this solo episode, Nic Daniels breaks down one of the most misunderstood topics in personal finance: the gift tax. From helping your kids with a down payment to giving cash to grandkids, he explains exactly how much you can give without involving the IRS.
You'll learn how the annual gift limit works, what Form 709 actually does (hint: it's not a tax payment), and how the lifetime gift and estate exemption keeps most people completely in the clear.
With current limits set at $19,000 per person and no taxes due for recipients, it's easier than you think to give generously without triggering tax consequences.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Nic Daniels
Today, we focus on building smarter financial strategies for business owners, retirees, and long-term investors navigating a changing market environment. Jeremiah Bates and Alex Lundgren break down retirement plan options for the self-employed, including SEP IRAs, Individual 401(k)s, and SIMPLE plans—highlighting contribution limits, employee requirements, vesting rules, and costly mistakes business owners often overlook.
The conversation expands into the BetterBuckets® System, explaining how aligning cash, income, and growth assets can reduce emotional decision-making and create clarity during market volatility. The hosts discuss why understanding why you own certain investments matters just as much as what you own—especially when markets fluctuate.
They also examine recent market movement, interest-rate cuts, rotation between growth and value stocks, and what volatility really means for long-term planning. Rather than reacting to headlines, the episode emphasizes disciplined strategy, time horizon alignment, and using market pullbacks as planning opportunities—not panic moments.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
We're in December so you know what that means... Actionable planning as the year closes — from Required Minimum Distributions to Roth conversions, backdoor Roth execution, QCD mistakes, and avoiding IRS withholding penalties. Jeremiah and Nic unpack overlooked tax traps, including misreported charitable transfers, improper Roth documentation, Form 8606 errors, and how retirees get hit with avoidable interest and penalties.
Also something new to look forward to: Trump Accounts. The guys break down how these federally seeded children's investment accounts work, eligibility timelines, contribution rules, investment limitations, tax treatment, distribution penalties, automatic setup, and whether politics should influence planning. They compare these to 529 plans, UTMAs, custodial IRAs, trusts, and simple brokerage accounts while showing when each shines — and when giving an 18-year-old control can be dangerous.
Plus, we get practical strategies for gifting, legacy planning, educating children about money, and using investment accounts as tools for skill-building rather than entitlement. Everything from tax efficiency, Social Security concerns, behavioral finance, and new policy mechanics.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
This last weekend, Jeremiah and Nic walk through everything investors should be thinking about heading into year-end. They open with the uptick in market volatility and why short-term swings (especially after years of strong returns) should be expected rather than feared. From S&P 500 movement to speculation-driven selloffs and margin trading, the guys explain what's actually happening under the hood.
They then shift into the biggest year-end priorities: maxing out 401(k) contributions, coordinating Roth strategies, and using HSAs the right way—including the little-known double catch-up rule for couples over 55. The advisors outline practical moves for self-employed listeners too, especially when SEP IRAs unintentionally reduce their Qualified Business Income (QBI) deduction.
Listener calls round out the show with questions on spending down windfalls, tax-efficient Roth funding, managing debt, and how to plan confidently when you feel "behind."
In hour two, the conversation turns to 1031 exchanges and Delaware Statutory Trusts—how they work, who they're right for, and the real trade-offs behind tax deferral. They finish with retirement psychology, planning clarity, and why understanding your strategy matters more than timing the market.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
This week's Money Hour dives into one of the most volatile stretches the market has seen in months — and why investors are reacting the way they are. Brian welcomes Richard Davila of Profitscore Capital Management to break down the real drivers behind the market sell-off: stalled Fed rate cuts, a crypto crash shaking retail investors, shaky labor data, and sky-high expectations for Nvidia's upcoming earnings.
From there, the conversation shifts to what volatility actually signals, how ProfitScore uses "volatility regimes," and why the current neutral regime makes investing especially confusing for DIY investors.
Brian and Rich also dig into the emotional side of investing — why behavior, sentiment, and over-concentration are hurting more portfolios than bad stock picks. They walk listeners through long-term strategy, diversification, and how to avoid chasing AI or crypto without a plan.
The second half of the show widens the lens: the economic pressure on Idaho families, cost-of-living concerns, wage stagnation, health-care subsidy worries, and why newcomers with cash are reshaping Idaho's housing reality. Plus, they unpack the boom in AI, robotics, nuclear innovation, and quantum computing — including why the next decade will determine who leads the global economy and what investors can realistically expect.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Guest:
Richard Davila, CTA | Profitscore Capital Management
This episode tackles some of the biggest financial decisions listeners are facing right now. Brian starts with a breakdown of upcoming ACA subsidy changes—why many families may see higher health insurance premiums next year and what planning steps to consider before open enrollment closes. We also cover challenges around financing a CBD/hemp-related business, why traditional banks often won't lend, and what alternative paths may still be available.
From there, we dive into real listener questions. One caller wants to know whether a Roth conversion makes sense alongside pension income and future retirement withdrawals. Brian walks through how conversions really work, the tax traps people overlook, and how withholding decisions impact your final bill. Plus, a question about pulling equity from a four-plex to refinance or reinvest. Brian explains the pros and cons of HELOCs, traditional refinances, and VA loan options in the current interest-rate environment.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
You've heard the controversial new idea making headlines — the 50-year mortgage. What started as a proposal from national homebuilders sparks a bigger conversation: Are we solving housing affordability, or just stretching debt for another generation?
Brian breaks down how amortization works, why stretching payments can look appealing but cost hundreds of thousands more in interest, and how it impacts the broader economy. He also shares personal stories about real estate mistakes, mortgage decisions, and how inflation and rising rates are reshaping homeownership for Millennials and Gen Z.
Listeners call in with their own real-life experiences — from first-time homebuyers juggling tight budgets to the emotional payoff of finally owning a place you can call your own. Along the way, Brian explains the math behind mortgage length, how income growth changes affordability over time, and why some debts may not be as "bad" as you think.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week, Jeremiah and Alex tackle the questions that real retirees are actually asking. From how to file for Social Security the smart way to how to unlock forgotten retirement money hiding in old accounts.
They dig into Social Security myths and strategies, including how to decide when to file, the difference between spousal and survivor benefits, how income limits affect your payments, and what happens when SSDI converts to regular benefits.
Callers share real-world dilemmas: a 64-year-old in cybersecurity weighing when to claim; a woman in California discovering a secret credit card in a community property state; and a couple debating whether to sell or rent a second home and how to avoid capital gains taxes using the Section 121 exclusion.
The unstoppable duo wrap with tips on finding unclaimed 401(k)s, old accounts, and missing funds, plus why year-end is the perfect time to revisit tax strategies and portfolio moves.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
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SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
Pay taxes now or later? It's one of the biggest decisions in retirement planning and the Roth conversion strategy sits at the center of it.
We break down how Roth conversions work, why timing is critical, and how they can transform your retirement strategy. They explain how to move pre-tax dollars into a Roth account, what the short-term tax hit really means, and how to avoid common pitfalls such as triggering Medicare surcharges or penalties under the five-year rule.
We also touch on how to use Roth conversions strategically for long-term tax savings, including how they help protect surviving spouses from higher tax brackets and reduce required minimum distributions later in life. Understand how Roth conversions can turn your biggest liability—taxes—into your greatest long-term advantage!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
Brian Wiley takes on one of the most frustrating issues facing Americans today — the ongoing government shutdown — and what it reveals about our collective financial vulnerability.
With nearly two-thirds of Americans living paycheck to paycheck, Brian explores how even a short-term disruption in income can send households into crisis mode. Through candid listener calls, including a 29-year-old air traffic controller working without pay and a retired veteran frustrated with misuse of social benefits, the show dives into the human side of financial resilience.
Brian connects it all back to planning, explaining the BetterBuckets™ strategy for building liquidity, stability, and long-term growth. He also explains why having at least three years of cash reserves can turn chaos into confidence! Plus, Brian discussed more on the rise of AI and job security risks, offering practical steps to stay financially adaptable no matter what comes next.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
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SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Alternative investments have become a buzzword—but are they really the secret weapon of the ultra-wealthy, or just another tool in a diversified portfolio?
In this podcast, Jeremiah and Nic unpack what "alternatives" actually mean—from private equity and private credit to other non-public market opportunities. They explain who qualifies as an accredited investor under Regulation D, what the income and net worth thresholds are, and why not everyone needs to chase these investments right away.
They break down the trade-offs: potential for higher returns and less daily market volatility—but also illiquidity, limited transparency, and the need for careful due diligence.
Learn how alternative investments work, who they're for, and how they can (or can't) fit into your financial plan!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
Jeremiah Bates and Alex Lundgren team up with Steve Marsh from Medical Plans of Idaho to unpack a huge issue looming over millions of Americans — the potential expiration of enhanced premium tax credits under the American Rescue Act. With these provisions set to sunset after 2025, many could see premiums spike by 75–80% going into 2026!
They explain what the "400% federal poverty level" threshold means for your wallet, who's most at risk, and what you can do now to prepare. The discussion dives into both individual health plans and Medicare, including the major changes to Advantage plans in Idaho — from disappearing zero-premium options to how retirees can use this year's guaranteed issue window to upgrade coverage.
The hosts also share proactive tax and income planning strategies — from HSA contributions and 401(k) deductions to managing self-employment income — that could make or break your eligibility for crucial tax credits.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alexandra Lundgren
Brian and Jeremiah pull back the curtain on what's really driving the markets—and investors themselves. From the emotional highs of stock speculation to the discipline required for sound planning, they explore why behavior often matters more than economic headlines.
The guys unpack how market optimism and consumer frustration can coexist, what it means when valuations outpace fundamentals, and why following "the herd" can lead to regret. They also dive into practical, real-world planning topics: a listener's question about COBRA vs. ACA health insurance, LLC deductions, and tax-smart strategies for the self-employed.
Finally, they tackle risk from a new angle—how to see it not as something to fear, but as something to understand and manage. It's a blend of market analysis, financial insight, and straight talk about the psychology behind money decisions.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
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SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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The economy might feel uncertain, but according to JPMorgan's Chief Global Strategist Dr. David Kelly, there's more stability and opportunity than the headlines suggest.
In this exclusive, uncut interview with The Real Money Pros, Dr. David Kelly joins Brian Wiley and Jeremiah Bates to unpack the big picture: from AI's real economic impact to the sustainability of market highs, Federal Reserve independence, and what investors should be watching next. He discusses the growing gap between perception and reality, the rise of bubbles in U.S. equities, and why international diversification might be the smartest move going forward.
The conversation spans the future of technology, cryptocurrency skepticism, gold's misunderstood value, and how robotics and biotech could transform productivity. But it's not all numbers—Dr. Kelly also tackles how media polarization and political volatility shape investor psychology more than data ever could.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guest:
Dr. David Kelly
Chief Global Strategist, J.P. Morgan Asset Management
Hosts:
Brian Wiley & Jeremiah Bates
Hosts, Wealth Management Advisors
Brian dives into an unexpected connection between global trade, the cattle industry, and personal finance. With news of the U.S. considering deals to import Argentinian beef, Brian explores how capitalism, protectionism, and politics shape the prices we pay at the grocery store, and ultimately what that means for American ranchers and consumers alike.
Also, how economic shifts ripple through your household budget, why government shutdowns and furloughs are wake-up calls for financial preparedness, and how to build resilience through smart, behavior-based money decisions. Drawing from 25 years of experience helping clients weather every market cycle, he shares timeless lessons on staying disciplined through uncertainty, keeping emotion out of investing, and protecting your financial "herd" when times get lean.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
In this very special episode, we have a powerful conversation with Dr. David Kelly, Chief Global Strategist at JP Morgan Asset Management, to unpack some of the biggest forces shaping today's markets. From artificial intelligence and robotics to interest rates, government debt, and investor behavior, Dr. Kelly explains where he sees opportunity—and where caution is warranted!
The discussion covers how rapid technological advances could drive productivity growth and transform the workforce, why Federal Reserve independence remains crucial, and how rising U.S. debt and political volatility affect investor confidence. All of them take on portfolio diversification, international markets, and how long-term strategy can keep investors steady through cycles of fear and excitement.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
Guest:
Dr. David Kelly, Chief Global Strategist
J.P. Morgan Asset Management
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SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This week on The Money Hour, Brian Wiley uses a clever metaphor — musical chairs — to describe today's high-anxiety markets. With stocks soaring and Micron hitting near-record highs, investors are sliding around nervously, waiting for the music to stop. Brian digs into how emotions like greed and fear can dictate our financial behavior, from cashing out 401(k)s for new toys to missing chances for growth out of hesitation. He also tackles bigger themes: tariffs, nationalism, and how politics, trade wars, and human behavior all intertwine in this volatile financial climate.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week, Brian and Jeremiah unpack one of the biggest forces shaping today's markets—fear. They talk about how investor emotions can cloud judgment, why so many people are sitting in cash despite record market highs, and what "waiting for the right time" actually costs over years or even decades.
They also dig into the Fed's latest comments, interest rate expectations, and how inflation psychology keeps consumers—and investors—on edge. Plus, listener stories about retirement regret and post-pandemic investing lessons prove one thing: discipline beats drama every time.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This week, Brian Wiley breaks down the skyrocketing cost of beef and grocery inflation—and what it means for your wallet. From $6+ per pound for ground beef to $9 steaks, Brian talks practical tips for saving money, like grinding your own meat or shopping store specials.
He also dives into the bigger picture: how supply shortages, post-COVID herd recovery, and trade impact prices, and how your spending choices actually shape the market. Plus, listeners share their strategies for coping with rising costs. If you’ve been feeling the pinch at the grocery store, this episode is packed with real-world advice, economic insights, and a reminder that your wallet is your vote.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
On this episode, we draw surprising parallels between woodworking mishaps and managing your 401(k)—showing how even tiny mistakes can turn into big problems over time. We dive into the hidden impact of investment fees, the importance of planning for risk versus reward, and how small tweaks in fund selection can make a massive difference for your retirement.
The conversation goes into the evolving value of homeownership in today’s economy, exploring whether renting might make more sense for some families. A live caller joins to ask about leveraging equity in a fourplex, sparking a deep discussion about refinancing, HELOCs, self-directed IRAs, and building long-term rental income. In the second hour, we also tackle financial fraud and scams targeting everyday investors (and seniors) and share cautionary tales about self-directed IRAs, gold schemes, and annuity traps.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Over the weekend, Jeremiah and Brian go into the realities of America’s rising debt and why politics alone won’t fix the problem. The hosts challenge common assumptions about government spending, inflation, and taxation—breaking down how these big-picture issues actually trickle down to everyday households.
Instead of waiting on Washington, they focus on what individuals can do now: understanding the real impact of debt, how taxes may shift depending on policy changes, and why relying solely on campaign promises is a dangerous financial strategy. Plus, Their conversation also explores investing in uncertain times, from opportunities in technology and AI to evaluating where future growth could come if the U.S. reduces its reliance on foreign goods.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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457 plans may look like 401(k)s, but they come with powerful benefits—and costly pitfalls if misunderstood. Jeremiah Bates and Alex Lundgren explain how to maximize contributions, avoid penalties, and use 457s to unlock early retirement strategies. Plus, not all 457s are built the same... Work for a non-profit? These are the things you MUST know.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
This week, Brian and Jeremiah tackle some of the toughest money choices listeners face. Should you use an inheritance to pay off a low-interest mortgage or invest for growth? Is gold really the “safe haven” people believe it to be or just another speculative bet? And how do you plan ahead for long-term care costs without draining your family’s savings?
Real-world calls drive the conversation, with questions about paying down debt, structuring investments, and balancing family responsibilities. The guys break down the math and the mindset, showing why the “obvious” answer isn’t always the best financial move.
Plus, they also zoom out to cover big-picture topics: the role of insurance in retirement, why cash alone isn’t a strategy, and how to think about risk when the markets feel uncertain.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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The largest wealth transfer in history is happening right now, as baby boomers pass on trillions of dollars in retirement assets. But if you inherit an IRA, the rules aren’t as simple as many think, with recent legislation making them even more complex.
The team explains the new landscape of inherited IRAs under the Secure Act 1.0 and 2.0. They cover the differences between spouse and non-spouse inheritance, how the 10-year withdrawal rule works, and the major tax consequences you need to prepare for.
From required minimum distributions (RMDs) to special exceptions for minors, disabled individuals, and trusts, we show what beneficiaries must know to avoid costly mistakes. Plus, Jeremiah and Nic share planning strategies to reduce the tax hit, like coordinating withdrawals with your income or leveraging Roth accounts for long-term growth.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
This week on Newstalk KBOI, Brian takes a step back to look at how the way we shop, spend, and invest has completely transformed—from Sears catalogs to Amazon’s overnight delivery. But convenience comes with new challenges: tariffs on small packages, global supply chain shifts, and questions about whether “buying American” is realistic in today’s economy.
Brian also digs into the big-picture investing takeaways. What industries will benefit from reshoring manufacturing? Will AI make some jobs (and workers) obsolete—and what does that mean for investors? And when it comes to gold, is it really a currency, a collectible, or just a heavily-taxed gamble?
Plus, Brian wraps it all up with our team's approach to the “bucket strategy,” showing how a disciplined approach could even rescue Social Security—and why the hardest part is simply getting started.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week, Brian and Jeremiah draw a line straight from the California Gold Rush to today’s Wall Street. Why? Because the way people chase wealth really hasn’t changed. From miners risking it all for a nugget of gold to investors jumping on the latest market trend, the patterns of greed, fear, and opportunity repeat over and over.
The guys break down what history can teach us about investing today: why discipline outlasts hype, how to balance risk and reward, and how to avoid letting emotion wreck your financial plan. They also touch on the bigger picture—like what “wealth” really means and why legacy and values matter just as much as returns.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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If you’re self-employed or running a small business, saving for retirement doesn’t have to be complicated. One of the most powerful but often overlooked tools available is the SEP IRA—a plan designed to help business owners put away significantly more than a traditional IRA, while also providing tax benefits.
Jeremiah and Nic walk through the ins and outs of SEP IRAs. You’ll learn how they work, who qualifies, and why flexibility makes them a great option for many entrepreneurs.
From contribution rules (up to 25% of wages, capped at $69,000) to employee eligibility requirements, they break down what business owners need to know—whether you’re trying to reduce taxable income, reward loyal employees, or simply build your own retirement nest egg.
You’ll also hear why SEP IRAs can be easier to manage than a 401(k) and how employees benefit from immediate vesting and full control over their investments. Is a SEP right for you?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
Artificial intelligence is moving faster than most people realize, and it’s about to change everything from jobs to investing. Over Labor Day weekend, Brian Wiley and Jeremiah Bates open up the topic of the AI revolution and ask the big question: is this the next great wealth-building opportunity, or another dot-com style bubble?
From massive data centers and trillion-dollar tech investments to the risk of widespread job disruption, the hosts break down what AI means for markets, the economy, and everyday investors. They highlight how companies like Nvidia, Microsoft, and Meta are positioning themselves, and how government policies could shape the outcome. Most importantly, they explain how the bucket strategy can help you stay protected if the hype collapses, while still giving you a chance to benefit if AI drives the next major boom. Do you want to be left behind?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
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SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Annuities are one of the most heavily marketed financial products—and often one of the most misunderstood. They promise growth without loss, guaranteed income, and peace of mind. But behind the sales pitch lies high commissions, long surrender periods, and frustrating caps on growth.
In this podcast, Jeremiah and Nic pull back the curtain on annuities and introduce a compelling alternative: structured notes. These innovative investments offer downside protection, defined outcomes, and the potential for enhanced upside—all without the commission-heavy baggage that comes with most annuities.
You’ll learn:
- The hidden costs and pitfalls of annuities.
- How structured notes provide flexibility and clarity.
- What “soft protection” really means for your portfolio.
- Why defined outcome investing may align better with your long-term goals.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
This Money Monday, Brian goes into one of the biggest economic and controversial question today: Should the U.S. government invest billions into Intel to keep semiconductor innovation and manufacturing on American soil?
Drawing parallels to the auto bailouts of 2009 and other government rescues, Brian unpacks the risks of “socializing” industries, the potential dilution of Intel shares, and the broader implications for investors, taxpayers, and global competition. From China’s aggressive tech strategies to the exploding demand for AI and quantum computing, the conversation asks whether a government stake in Intel is a smart safeguard—or a dangerous precedent.
Is this a necessary move to secure America’s technological edge, or another slippery slope where taxpayers foot the bill for failing companies?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week on The Real Money Pros, Brian and Jeremiah take on some of the hottest )and trickiest) money questions hitting households today. They unpack the pros and cons of investing in gold, the reality of inflation’s impact on retirement, and why “gig work” is changing how people save for the future.
Listener questions bring the conversation to life, covering everything from the risk of holding too much cash, to how small business owners can build wealth without losing tax efficiency. The guys also highlight common traps investors fall into when chasing safety, and why long-term planning still beats short-term reactions—even in unpredictable markets.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Artificial intelligence isn’t just a buzzword anymore. It’s driving market highs, reshaping industries, and sparking debate about whether it’s a bubble or a lasting revolution. In this week's Money Hour, Jeremiah and Nic talk about how AI could impact investments, jobs, and even wages. They explore where AI already outperforms humans and why emotional intelligence may be the skill that keeps you relevant in the workplace.
The guys also unpack the latest updates on Social Security, clarifies common misconceptions about spousal and survivor benefits, and explains why relying on the SSA for advice could cost you. Plus, they highlight big changes coming out of the “Big Beautiful Bill,” including new opportunities with 529s, the rollout of “Trump Accounts” for kids, and tax code updates that could save retirees thousands.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Jeremiah Bates & Nic Daniels
This week, Brian and Jeremiah break down three issues that are hitting Americans the hardest right now: inflation, housing, and the future of money. They talk through why prices keep climbing, how higher rates are shaping the housing market, and what it all means for families trying to balance today’s costs with long-term planning.
The conversation then shifts to stablecoins and new legislation in Congress that could bring digital dollar-backed assets into the mainstream—changing how we bank, invest, and even make everyday payments. Plus, listener questions spark discussions on retirement withdrawals, whether holding too much cash is really a smart move, and how to sidestep the emotional traps that can derail a portfolio.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Starting in 2026, a brand-new type of tax-free savings account nicknamed the “Trump Account” will be available for minors. If you’re a parent, grandparent, or even a business owner looking to give the next generation a serious head start, you'll want to take advantage of it.
Jeremiah and Nic explain how these accounts work, who qualifies, and the unique benefits that set them apart from existing savings tools. From a $1,000 government-funded seed contribution for certain newborns, to employer match opportunities, to decades of tax-deferred growth, these accounts could become a cornerstone of a child’s long-term wealth plan.
What's Inside:
- Who can open a Trump Account and when
- Annual contribution limits and tax perks
- What investments are allowed and why simplicity is key
- The rules for withdrawals and qualified uses
- How these accounts fit alongside 529s and Roth IRAs
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
Inflation is hitting hard, prices are climbing, and yet many workers haven’t seen a pay raise in years... Brian digs into why pay increases aren’t keeping up – and what you can do about it. From union vs. non-union wages to the art of asking for a raise (with proof you deserve it), he explores the trade-offs between job security and higher pay.
Plus, real stories, including one caller’s take on union negotiations and Brian’s personal leap from employee to entrepreneur after being denied a raise. The conversation goes deeper, connecting workplace value to larger economic forces like tariffs, automation, and the rise of AI and robotics – and why staying relevant is your best defense against being replaced
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week, we break down what the Fed’s latest rate pause really means and why the market’s reaction isn’t always the full story. They dig into the ripple effects on mortgages, credit card rates, and borrowing costs, and talk about how “higher for longer” might stick around when it comes to interest rates.
The guys also tackle listener questions on everything from annuity pros and cons to the best time to start Social Security. Plus, they share why cash can be a dangerous long-term strategy, how to use volatility to your advantage, and why market pullbacks aren’t always bad news.
Whether you’re worried about inflation eating your savings, wondering how to invest in a weird market, or just trying to make sense of mixed economic signals, this episode is one to tune into.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
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SPONSORS:
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Your 529 plan just got a serious upgrade—and if you're a parent, grandparent, homeschooler, or working professional, you'll want to hear this.
Nic and Alex join forces again today to go through some new rules for 529 plans following the passage of the One Big Beautiful Bill. Starting as soon as July 2025, the list of what counts as a “qualified education expense” is expanding dramatically. That means more flexibility and better use of your tax-advantaged dollars!
Highlighted Changes to 529s:
- Expanded coverage for K–12 expenses beyond just tuition
- A new $20,000 annual withdrawal limit starting in 2026
- What this means for homeschoolers, dual enrollment, and standardized testing
- How professionals (yes, even CPAs and realtors) can now use 529 funds for career development
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Nic Daniels & Alex Lundgren
Brian Wiley tackles the root causes of inflation (and no, it's not just tariffs) and discusses how stimulus programs, economic cycles, and behavioral investing shape our financial reality. He challenges conventional narratives, critiques misleading government data, and gives a fresh perspective on how inflation, interest rates, and political noise affect your bottom line. He explains how to read the markets, spot opportunity during chaos, and take control of your financial future—even when the numbers don’t make sense.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This weekend, Brian and Jeremiah go into the realm of estate planning, focusing on the misunderstood but crucial tool: the revocable living trust. They answer listener questions from California to Florida, explaining step-ups in basis, trust-based ownership, and how titling mistakes can send your estate straight into probate.
The real-world implications of leaving property outside of a trust, the legal difference between revocable and irrevocable trusts, and why funding your trust matters just as much as setting it up. They also address common misconceptions, like whether trusts protect assets from lawsuits or divorce—and offer guidance on avoiding costly oversights.
Estate planning isn’t just for the wealthy—it’s for anyone who wants their legacy to pass smoothly and privately to the next generation. If you’ve ever thought about leaving property to your kids, this conversation will change how you plan for the future.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Big changes are coming to the student loan system—and if you or your kids plan to attend college soon, you need to know what’s inside the One Big Beautiful Bill.
In this week's podcast, Nic and Alex break down the sweeping new legislation that overhauls how federal student loans work starting July 1, 2026. From newly capped borrowing limits to stricter repayment plans, these reforms are designed to curb runaway college costs—but could leave some families scrambling to fill financial gaps.
They walk through:
- New limits on Parent PLUS and graduate loans
- What counts—and doesn’t count—toward eligible loan expenses
- The end of $0 minimum payments for low-income borrowers
- Why filing taxes separately may no longer help reduce payments
Will these changes force students and parents to reassess how education fits into their long-term career decisions?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Nic Daniels & Alex Lundgren
In this week's episode of The Money Hour on Newstalk KBOI, Brian talks about the biggest financial stressors Americans face—housing costs. How much of your income should go toward your mortgage or rent? Are you "house poor" and don’t even know it? He breaks down the real numbers behind PITI (Principal, Interest, Taxes, Insurance), lending standards, and how federal programs play into affordability.
He also shares insights from listener calls, including one homeowner living mortgage-free for decades and another struggling to balance quality of life with rising costs. Plus, Brian gets personal—sharing why he chose to build a home from scratch and how his construction journey parallels building financial security.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week, Brian and Jeremiah dig into one of the biggest mistakes they see from investors—sitting in too much cash out of fear. They talk through why holding back might feel safe but often leads to regret, missed opportunities, and slower retirement progress.
They also break down today’s weird market conditions: strong indexes, mixed economic data, and why consumer confidence still feels shaky despite record highs. Plus, they take on common listener questions—like how to deal with rising insurance premiums, whether real estate still makes sense, and how to stop overthinking every market dip.
They also take listener calls and dive into real-world planning questions: • Should you wait to invest until after the election? • When do Roth conversions make sense? • How should real estate affect your tax plan in retirement? • Are annuities a good idea for monthly income—or a trap?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Most people don’t think about hiring a financial advisor—until something bad happens. This week, Jeremiah is joined by Alex Lundgren for an honest conversation about what it really means to have a trusted advisor in your corner, especially during one of life’s most difficult events: the loss of a loved one.
They break down why human advice matters when you're faced with grief, paperwork, taxes, and major financial decisions you didn’t see coming. From understanding beneficiary options and managing IRAs, to coordinating with attorneys and custodians—this isn’t the kind of support you’ll find from a call center or robo-advisor...
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
Brian takes a deep dive into the future of money—especially stablecoins and how they might flip the whole payment system on its head. He breaks it down in plain English: what stablecoins are, how they could replace Visa and Mastercard, and why it actually matters to you.
He also talks crypto in 401(k)s (yep, that’s happening), how companies like NVIDIA and Micron are powering the tech behind the scenes, and why Bitcoin isn’t just for “those people” anymore. Whether you’re still skeptical or already all-in, Brian gives you the tools to start thinking about digital assets with a clear head—and maybe even some strategy.
The government is started to take part, should you?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Brian and Jeremiah cover what everyone’s thinking: Why does the market feel fine if the public doesn’t? They unpack the disconnect between bullish investors and frustrated consumers, and what the Fed’s “higher for longer” stance really means for housing, inflation, and your portfolio.
They also dive into a huge shift coming to our financial system—stablecoins. As Congress pushes new legislation to bring these digital dollar-backed assets into the mainstream, Brian and Jeremiah explain what it means for investors, the banking industry, and anyone tired of waiting 3 days for an ACH transfer.
Other highlights this week: how regret can wreck a retirement plan, why cash isn’t a long-term strategy, and how to avoid emotional investing traps that burned people during COVID-era markets.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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That surprise notice from your IRA custodian? It might be about something called UBIT—and if you’ve got limited partnerships or master limited partnerships in your IRA, you’ll want to pay attention.
This week, Jeremiah and Nic explain what Unrelated Business Income Tax (UBIT) is, how it gets triggered inside your IRA, and what it means for your bottom line. They break down how UBIT is calculated, what types of investments commonly set it off, and whether or not you should be concerned if you’ve received a Form 990-T notice.
Is UBIT a reason to dump those high-yield investments in your retirement account? Not necessarily—but you do need to understand when the IRS comes calling and why.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
On last night’s tech-charged show, Brian took listeners on a ride through the future of money, jobs, and investing. From the rise of AI and quantum computing to the real mechanics behind crypto, he breaks down why traditional thinking (and traditional portfolios) might not cut it much longer.
He shares how learning more about emerging tech helped shift his own mindset from skepticism to strategy. Brian talks about why education is the antidote to fear, and how investors can avoid being left behind as innovation keeps picking up speed.
He also unpacks how Bitcoin gets its value, how AI could reshape entire industries (including his own), why companies like NVIDIA are suddenly worth over $4 trillion, and how to position yourself to take advantage of all of it.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
In this special episode of The Real Money Pros, Brian and Jeremiah are joined by Idaho Congressman Russ Fulcher to talk through one of the biggest pieces of legislation in years: the $4.5 trillion “Big Beautiful Bill.” Fulcher shares the story behind his popular addition—no federal tax on overtime pay—and how it could boost take-home income for millions of hourly workers.
The crew also tackles where this bill fits into the larger economic picture, from growing federal debt to tariffs and trade resets with China, Mexico, and the EU.
Later in the show, Brian and Jeremiah get personal with calls from listeners asking about the bill’s impact on Social Security taxes, the future of crypto like XRP, and how to protect their families through estate planning and life insurance.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
Today, Brian dives into the passage of the “Big Beautiful Bill”—a $4.5 trillion piece of legislation that’s sparking debate across party lines. While the headlines tout tax cuts and local wins (yes, even Idaho got a little pork), Brian takes a closer look at what this bill really means for taxpayers, investors, and the long-term debt picture. He breaks down permanent tax changes that may benefit small business owners, retirees on Social Security, and working families—but he also challenges listeners to ask: at what cost? From inflation’s sneaky role in boosting tax receipts to how our complicated tax code rewards those with the right advisors, this episode blends financial insight with political reality. Plus, Brian gets real about why tax avoidance (not evasion!) is your legal right—and why many households could save thousands with smarter planning. And yes, we touch on third parties, healthcare costs, and why a Krispy Kreme job may pay more than you'd think. Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week on The Real Money Pros, Brian and Jeremiah dive into the real (and wild) consequences of owning gold the wrong way—like when a client’s self-directed IRA got caught up in a precious metals scam, leaving them with pennies on the dollar and a massive headache.
From there, we unpack some crazy estate stories (think: gold in storage units, rifles hidden in floor vents, and a map-worthy backyard treasure hunt) that show why how you own something is just as important as what it is. And yes—Jeremiah shares his own run-in with the law in Hawaii involving drone fishing, a court date, and one very expensive lesson about checking the rules.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Net Unrealized Appreciation: If you own company stock in your 401(k), this episode could potentially save you thousands in taxes. Jeremiah and Nic uncover the little-known but incredibly powerful NUA tax strategy. Through a real-world client example, you’ll learn how someone turned a $16,000 stock cost basis into a $98,000 gain—and avoided paying ordinary income tax on the entire amount.
But this isn’t just a story of smart tax planning—it’s a roadmap for anyone nearing retirement with company stock in their 401(k). From tracking your cost basis to understanding when NUA makes sense (and when it doesn’t), the guys give you the knowledge you need to ask the right questions and avoid costly mistakes.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
After an unstable week, Brian unpacks this last weekend’s geopolitical drama with Iran and its ripple effects across global markets. While the headlines scream war, oil prices, and defense stocks, he zooms in on a more powerful long-term message: boring investing still wins.
He uses a real-life client story—going from $50K to over $1 million in 10 years—to illustrate how time, discipline, and sticking to a strategy can outlast even the most chaotic news cycles. From the rise of GE Aerospace to the pitfalls of chasing hype, Brian shows how purposeful, time-based investing isn’t just safe—it’s smart. He also dives into how current events create both fear and opportunity, why aerospace and U.S. energy might be long-term winners, and why Elon Musk’s vision still matters to investors...
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
In this tech-centered episode, Brian and Jeremiah explore the game-changing legislation pushing stablecoins into the financial mainstream. They break down what stablecoins really are, how they differ from volatile cryptos like Bitcoin, and why this move could disrupt legacy payment giants like Visa, Mastercard, and Western Union.
From the impact on small business transaction costs to how this shift could eventually remove paper money from circulation, the guys dive deep into how blockchain technology might reshape personal banking, investing, and even how you pay your taxes. They also explore the potential investment angles—highlighting which companies might sink, and which ones could surge as adoption grows.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Think you’re earning 5% on your savings? Not so fast. In the first rendition of the renewed podcast series, Jeremiah and Nic uncover the truth behind annual percentage yield (APY)—what it is, how it’s calculated, and why it often misleads savers.
From CD rates to high-yield savings accounts and dividend stocks, they break down the difference between annual percentage rate (APR) and APY, explain how monthly compounding works, and highlight the pitfalls of relying on introductory bank offers. But this episode goes deeper than just math. The duo challenges listeners to ask the right questions: Is this rate in my best interest—or someone else’s? Is short-term security worth sacrificing long-term growth?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
Brian takes listeners deep into the heart of Washington’s latest fiscal chaos. With a $5 trillion proposed increase to the national debt ceiling and heated debate over lowering the SALT deduction cap from $40,000 to $10,000, Brian calls out the partisan maneuvering and asks the real question: is any of this actually conservative?
From a live look at the U.S. debt clock to a breakdown of how tariffs, tax credits, and backdoor tax hikes affect everyday Americans, this episode is part financial analysis, part political reality check. Brian explains how deficit spending, political gamesmanship, and misguided tax policy hit taxpayers from every angle—especially those nearing retirement or trying to build wealth in uncertain markets.
He also shares where he sees real investment opportunity right now and why this may be the best market of his 25-year career—for those who know how to read it.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
In this second part of our two-part show, Jeremiah Bates takes the mic to share his perspective on one of our most powerful retirement planning tools: the bucket strategy. Building on Brian's introduction in Hour 1, Jeremiah breaks down the logic, math, and mindset behind organizing your assets into three core buckets—short-term liquidity, income, and long-term growth.
Using real client examples, including one who retired just before the COVID crash, Jeremiah explains how the bucket plan can protect your retirement income, reduce emotional investing mistakes, and help you weather market downturns with confidence. He outlines how each bucket functions, what types of investments belong in them, and why timeline-driven planning is essential for lasting financial peace of mind.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Jeremiah Bates
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Brian Wiley dives deep into one of the most effective investment strategies for retirement: bucket-based investing. Using a fictional scenario, Brian explains how blending goal-based and cash-flow planning can help retirees organize their assets into three key buckets—stable, income, and growth. He walks through their $1.3M portfolio, their $6,000/month retirement income needs, and how to align investments with real-life goals like buying an RV or planning for early retirement. Brian shows how this simple system empowers investors to manage market volatility, reduce emotional decisions, and retire with clarity.
Look for our next episode where Jeremiah Bates give his point of view of The Bucket Strategy!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Amid the recent political theater, economic uncertainty, and media overload, this week's show on KBOI strips it all back to what really matters: your money and your mindset. Brian Wiley challenges listeners to push past the distractions—from tariffs and tech to presidential puffery—and demand the one thing no one seems to be offering: a plan.
Is America headed for another recession? Will tariffs tank your investments? And what do Elon Musk, Micron, and your 401(k) have in common? We don't pretend to have all the answers—but we do have a framework that works, even when the world doesn't.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley, Wealth Management Advisor
The dudes unpack the headlines that distracted investors all week—starting with the bizarre (and kind of surprising) public feud between Elon Musk and Donald Trump. But rather than get caught in the drama, they break down what these kinds of headlines actually reveal about market psychology, innovation narratives, and how investors often overreact to noise.
Brian shares thoughts on Musk’s focus on Mars, and how the biggest minds—and money—are increasingly concentrated in AI, robotics, and infrastructure. Jeremiah brings it back to reality with a discussion on emotional investing and why even the best plans get derailed by uncertainty and indecision.
They also revisit the bucket strategy, explain how long-term planning can absorb market turbulence, and share a real-world story about a client who sold a home and finally put cash to work—reminding listeners that action, not perfection, drives results. We talk tech, politics, and personal finance in a way that helps listeners refocus on what actually matters: having a strategy that isn’t swayed by social media, soundbites, or sentiment swings.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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This Money Monday, Brian covers a wide range of topics—blending market analysis, tax insights, and small business advice with listener-driven conversations about the real economic pressure points showing up now.
He kicks off the hour with commentary on Elon Musk's Mars obsession, the latest tariff developments, and how political leadership—regardless of party—continues to shape investor sentiment and consumer costs. He questions whether Americans are being fully informed about the impact of policy shifts, especially when it comes to trade, the IRS, and the broader retirement system.
A strong segment focuses on the IRS quietly keeping overpayments after a three-year window, and Brian’s push for systemic change—including a bipartisan proposal he’s drafted to reform Social Security and tax administration.
Listener calls add practical insight: a new real estate photographer navigating 1099 taxes and business structure, and a grandfather funding a trust for his grandson while watching tariff policy threaten his ski gear business.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Everything from market volatility and investor behavior to life insurance gaps and why simple planning still wins… Jeremiah and Nic unpack the latest tariff developments—what’s real, what’s politics, and how uncertainty is shaking Wall Street—and explain why emotional reactions to short-term headlines often lead to long-term regret.
Jeremiah shares stories from client meetings, including a couple sitting on too much cash for too long, illustrating the cost of inaction and paralysis by analysis. The team stresses the importance of knowing your investment timeline and purpose—especially when volatility strikes. A key stat? The S&P 500 has rallied over 18% since April 8th—proof that missing just a few big days can wreck your long-term returns.
They also discuss the AI-driven surge in NVIDIA, with caller insights and reminders about avoiding concentration risk. Plus, practical talk on Roth vs. traditional accounts, 401(k) withdrawal rules, and why index funds often outperform stock picking.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Over the Memorial Day weekend, Brian Wiley and Alexandra Lundgren unpack the often misunderstood mechanics and risks of 401(k) plans—from overloading on company stock to the overlooked tax strategy known as Net Unrealized Appreciation (NUA). If your retirement plan is tied to your employer’s stock, your paycheck, and maybe even a pension, you may be overexposed without realizing it…
They walk listeners through how NUA works and when it might be smarter to move company stock out of a 401(k) instead of rolling it all into an IRA. Brian and Alex also dive into loan provisions, early withdrawals, and the in-service distribution option that can open the door to greater investment flexibility—if your plan allows it.
They also break down why 401(k) plans are designed the way they are, what employers can customize, and how plan features like automatic enrollment, vesting schedules, and Roth catch-ups impact savers at different stages of life.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Alex Lundgren
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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This week on KBOI, Brian digs into the economic and behavioral ripple effects of tariffs, asking the central question: who really pays? Using the latest Walmart price controversy as the backdrop, Brian challenges the political narratives suggesting tariffs are absorbed by foreign governments, when in reality, it’s American consumers, employees, and businesses footing the bill.
He blends real financial insight with personal stories—like his own tariff-snagged motorcycle order—and ties in a powerful call from Joe, a Walmart employee and Trump supporter, who supports the trade policy but wants honest leadership and transparency. It’s a thoughtful, unfiltered discussion about how economic policy affects real people, and why ignoring the cost or blaming others is a dangerous game.
What’s the actual plan behind the tariffs? Why aren’t leaders explaining the pain before asking for sacrifice? Brian draws sharp historical parallels—from World War II speeches to modern economic battles—to ask why today’s Americans are being kept in the dark.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Brian, Alex, and our callers dig into one of the most overlooked but urgent problems in personal finance: our retirement system is broken—and most people don’t even realize it.
The conversation opens with an honest critique of the current mess of savings vehicles: 401(k)s, SIMPLEs, SEPs, IRAs, Roths—all with different rules, limits, and levels of access. The hosts explain why these inconsistencies create a fundamental inequality: if you're self-employed, you can stash away $70K pre-tax, but if you're a W-2 employee? You're capped at less than half that. It’s a system built with good intentions that’s now a patchwork of inefficiency, confusion, and lopsided opportunity.
The episode features a practical case study from a young entrepreneur trying to offer retirement benefits to a small team with limited resources. Alex breaks down the real math behind startup retirement plans and offers realistic paths forward. They also take a call from a college student who saved $10K and wants to invest it wisely—an unexpected reminder that real financial planning starts early, and opportunity favors the intentional.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Alex Lundgren
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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This last Saturday, Brian Wiley and Jeremiah Bates dug deep into the real-world impact of tariff policy, investor behavior, and why emotional risk tolerance matters as much as the numbers. The market feels chaotic—but as the guys explain, it's not just the economy reacting—it's the people. And like a game of musical chairs, the longer the music plays, the more irrational the behavior becomes!
We open up with sharp commentary on market overreactions tied to tariffs and trade drama. From there, it zooms in on the behavioral side of investing: fear, confirmation bias, and the mental loops that drive emotional decisions. Brian and Jeremiah explain why many investors—especially retirees—feel stuck and how a simple framework like the "bucket strategy" can bring clarity.
There’s also discussion around overexposure to stocks like Nvidia or Tesla, and why it’s easy to get caught chasing performance when a clear plan is missing. Real listener calls—like a business owner seeing reshoring effects from tariffs—round out the conversation with timely, ground-level perspective.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
The trio gang (Brian, Jeremiah, and Nic) goes into the real economic impact of tariffs, rising uncertainty, and how financial planning needs to adapt to both market volatility and emotional behavior. As headlines swirl about the administration’s evolving trade strategy, the guys challenge listeners to examine their own “fortitude” for this economic shift—and whether they’re reacting emotionally or strategically.
Jeremiah emphasizes that personal impact matters more than GDP headlines, reminding listeners that preparation and liquidity are key to managing any downturn. Nic draws from his personal experiences to explain how unease around money often stems from deeper concerns—goals, family, and long-term plans—not just market performance.
The episode also tackles estate planning with practical advice: when a will isn’t enough, why trusts often make more sense, and how proper account titling and beneficiary audits can prevent probate delays. Plus, listener questions round out the hour, ranging from home buying decisions during economic uncertainty to the future of crypto and the Treasury’s recent moves.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Tonight, we look at the real-world impact of tariffs—from policy to personal experience. After getting hit with a 145% tariff on a simple electric dirt bike order, Brian uses the story to highlight how quickly these economic shifts are starting to affect everyday consumers and small business owners. Is this a "chip shortage" part two?
The show explores the growing divide between political loyalty and practical financial understanding. Through listener calls and market commentary, Brian lays out how tariffs are changing buying behavior, why companies like Apple are in complicated positions with overseas manufacturing, and how investors can separate long-term opportunity from short-term noise.
There’s also a clear message for anyone sitting on the sidelines: if you’re still holding cash or stuck in low-growth products like annuities, it might be time to reevaluate. With market volatility tied to trade strategy, international positioning, and inflation policy, now may be a good time to rebalance and revisit your financial plan.
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Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Brian Wiley and Jeremiah Bates dig into how the latest tariff headlines, political pressure on the Fed, and fast-moving market swings—often triggered by fake news and social media rumors—are creating both chaos and opportunity for investors.
Brian shares insights from a recent financial conference, pointing out a troubling generational gap in financial advisory leadership and highlighting how seasoned advisors are keeping clients steady through volatile times. The show also features real listener calls, including advice to a 26-year-old balancing debt repayment with future investing goals, and a deeper look at dealing with a financial scam tied to solar financing.
The overarching message is clear: market volatility is nothing new, and emotional reactions are often the enemy of smart investing. Wiley and Bates emphasize strategy, education, and planning—urging you to position yourself for future opportunities rather than reacting to short-term fear.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian cuts through the noise surrounding market volatility, interest rates, and U.S.-China trade tensions. As the S&P 500 and Dow show signs of technical stress—with major players like Nvidia and Apple influencing index performance—Brian explains why low-volume selloffs might not be as dire as they appear, and why institutional investors are still holding steady.
He explores the practical impacts of tariffs, particularly those targeting China, not from a partisan lens, but from a macroeconomic and behavioral standpoint. With a live call-in from a 24-year-old listener, the show evolves into a broader discussion on generational investing, the rise of AI and robotics, and how young investors should be thinking about long-term opportunity, not just short-term volatility.
We wrap up with a call from Congressman Russ Fulcher, who affirms the administration's tariff strategy as a driver of long-term domestic investment. Brian ties it all back to fundamentals: investing against the U.S. economy has historically been a losing bet. Now may be one of the best times to lean in strategically—not emotionally.
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Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
In this solo-hosted episode, Jeremiah Bates explores the week’s financial news and practical planning strategies—anchored by real-world client conversations. While Wall Street processed more volatility, led by Nvidia’s $5.5B hit and Apple’s China-related struggles, Jeremiah explains how index weighting magnifies the market impact of tech giants and why understanding portfolio construction matters more than ever.
But markets are only part of the story. Long-term care costs are skyrocketing—like a $12,000/month surprise bill for a client’s mother—and how families can prepare. He discusses tools like Miller Trusts, Medicaid planning rules, and how some families might self-fund care without sacrificing their financial stability.
Plus, tax-efficient strategies like Roth conversions and Qualified Charitable Distributions (QCDs) for retirees facing RMDs they don’t need. It's important to understand your tax brackets, filing status, and charitable intent when making these decisions.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Brian Wiley breaks down one of the most emotionally charged and telling market sell-offs in recent memory. On April 8th, Main Street investors hit the panic button in response to tariff news, triggering a cascade of 401(k) liquidations and driving down markets in dramatic fashion. Brian, watching the sell-off unfold mid-flight, saw a flashing opportunity—not a crisis.
Drawing from 26 years of advisory experience, Brian underscores how behavioral responses—not fundamentals—often drive volatility. He explains how mass sell orders from retirement plans compounded the drop and created clear buying signals for those paying attention. From rebalancing 401(k)s and maximizing HSA tax benefits to switching out underperforming stocks for better-positioned growth plays, the episode offers both macro commentary and actionable insights.
Using real-life client examples and his own personal trades—including moves into Micron, Delta, and Tesla—Brian drives home a key message: investors need to prepare, not react.
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https://www.therealmoneypros.com
Host:
Brian Wiley
After the crazy week, Brian and Jeremiah dissect what they call the most emotionally driven and predictable market sell-off of their careers. Brian shares how, mid-flight, he scrambled to access Wi-Fi—not to panic, but to buy—spotting a clear opportunity as investors dumped assets out of fear.
The hosts emphasize a critical truth: emotional decisions, not strategy, drive most investment mistakes. Missing just the top 10 days in the market over decades can cut your returns in half. Timing matters—but only if you're prepared.
Jeremiah highlights how uncertainty around tariffs, treasury yields, and economic policy triggered fear-based behavior, not grounded planning. The message is clear: strategy beats headlines, and emotion is your portfolio’s worst enemy. For those still working, market drops are opportunities. For retirees, preparation—liquidity, proper asset allocation, and planning—prevents disaster.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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The markets are trying to ride high again — but should you trust the rally? In this week’s Money Hour, the team breaks down what’s really driving investor optimism right now. Is the Fed about to cut rates, or is inflation still too sticky to ignore? We unpack the latest jobs data and wage growth reports and what they might mean for your portfolio.
The conversation also touches on Tesla’s bumpy ride, the psychology behind market overconfidence, and why corrections aren’t the enemy. Plus, they answer caller questions, such as exploring the big difference between Roths and traditional 401(k)s, and discuss how to strategically use both in retirement planning.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Jeremiah Bates & Alex Lundgren
After ending a rough trading week, Brian and Jeremiah dissect the pivotal week on Wall Street as economic uncertainty rattles investors. With major indices taking a hit and bond yields climbing, they spotlight the bond market's warning signs and the Fed’s ongoing inflation battle. They explore the collapse of commercial real estate giants like WeWork and why regional banks could be sitting on a ticking time bomb...
The guys also examine cracks in consumer behavior—from falling credit card payments to signs of tightening wallets—and what that means for the broader economy. Are we heading toward a slow bleed or a sudden break? Their discussion covers real estate, inflationary pressures, and defensive strategies, urging listeners to reassess their risk exposure now.
If you're wondering whether it's time to rebalance, shift into higher-quality assets, or prepare for market turbulence, this is your must-hear episode.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian talks about the latest market movements and what they mean for your portfolio. With inflation concerns and interest rate chatter still dominating headlines, he explores how investors can stay ahead of economic shifts. Brian also discusses tax-efficient investing strategies, including ways to maximize deductions and protect your wealth from unnecessary taxation. Also, taking a closer look at the latest stock market trends—who’s leading, who’s lagging, and how to position your investments accordingly.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This Saturday, we talk the latest market trends and what they mean for your portfolio. We dive into smart tax strategies, helping you keep more of what you earn—especially if you’re facing Required Minimum Distributions (RMDs). Are you making tax-efficient investment moves? We give some tips on how to maximize your returns while minimizing Uncle Sam’s cut.
We also explore the hidden risks lurking in your investments. From overconcentration in tech stocks to overlooked fees in your retirement accounts, we uncover common pitfalls that could be dragging down your wealth. Plus, we tackle listener questions on the best ways to hedge against inflation and where today’s real opportunities lie.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian and Jeremiah break down the current market volatility and why investors need to prepare for inevitable downturns—just like you would during flu season! They discuss how market corrections happen every 14–16 months and why having a three-year financial cushion can keep you from making panic-driven mistakes.
The conversation also dives deep into Elon Musk’s long-term strategy—does he really care about Tesla, or is it just a stepping stone to Mars? They explore how AI, robotics, and quantum computing are shaping future investments and why understanding these trends could give investors an edge.
They also highlight the importance of strategic tax planning, how business owners can avoid wasting money, and the smart way to structure investments for long-term success.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
This Monday, Brian breaks down how emotions influence investing—using Tesla as the perfect case study. He discusses the psychology behind stock movements, investor sentiment, and why people buy and sell based on emotions rather than strategy.
A listener calls in, revealing they now want to buy Tesla stock simply because they like Elon Musk. But is that a smart investing move? Brian dives into Tesla’s fundamentals, market trends, and why understanding the emotional cycles of fear and greed can help you make better financial decisions. Plus, we explore how Tesla’s shifting brand perception could impact its stock price and whether the company’s long-term growth potential is still intact.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Markets go up, markets go down—but what does that mean for your money? Brian Wiley dives into the cycles of booms and busts, reflecting on 25 years of market history and how investors can navigate uncertainty. With inflation, tariffs, and shifting tax policies in play, the key takeaway is this: smart financial moves matter more than ever.
Brian is joined by longtime friend Juan, a tech industry insider, to discuss how AI, semiconductors, and government policies are shaping the economy. Plus, they explore how emotions—fear, greed, and even political frustration—can influence investment decisions. Whether it’s understanding how tariffs affect tech stocks or deciding when to hold or sell in a volatile market, this episode is packed with insights to help you stay ahead.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
After weeks of fear-driven markets, we dive into yet another wild day, with the NASDAQ dropping over 4% and major stocks like Tesla taking a hit. But is this a time to panic or an opportunity to invest? Brian Wiley and guest John McClure from ProfitScore break down the market sell-off, the role of interest rates, and how political uncertainty is fueling volatility. They discuss why long-term investors need to stay disciplined and how shifting regulations could impact portfolios. Plus, they unpack the importance of risk management—should you go to cash, or is now the time to buy? Treasuries, GDP trends, and what’s next for the U.S. economy.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
Guest:
John McClure, President & CIO
ProfitScore Capital Management, Inc.
This week, Brian and Jeremiah break down the latest market swings and what they mean for your portfolio. With the NASDAQ dipping into correction territory, should you be worried? Not if you’ve got a solid plan! We talk about why staying invested through the ups and downs is key and how to avoid panic-driven mistakes. Plus, we dive into estate planning—because let’s be real, nobody likes thinking about it, but having a plan in place can save your family a ton of headaches.
Ever wonder if those micro-investing apps actually work? We share a real-life success story that might surprise you. And for all the small business owners out there, we cover how choosing the right business structure—like an S-Corp—could save you serious money on taxes.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian Wiley and Jeremiah Bates break down the fiery Oval Office exchange between Trump, JD Vance, and Ukraine’s Zelensky. What led to the heated debate, and was Zelensky’s approach the right move? The hosts analyze the political and financial stakes—especially how Trump’s efforts to reshape foreign alliances could ripple through global markets.
Then, it’s all about preparing for the unexpected—federal worker layoffs are making headlines, and job security is a growing concern. If layoffs are looming, what should you do first? The guys cover essential strategies: avoiding costly 401(k) loan mistakes, using credit lines wisely, and ensuring your health and life insurance aren’t at risk.
In the second hour, they take a deep dive into Health Savings Accounts (HSAs), explaining why they’re one of the most underrated financial tools. Plus, listener questions tackle the taxability of life insurance, the Roth vs. traditional IRA debate, and smart diversification strategies.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
In this episode of The Money Hour on Newstalk KBOI, Brian Wiley dives deep into the ever-changing landscape of cryptocurrency, gold, and AI investing. He explores whether Bitcoin and other digital assets are finally earning their place in the financial world or if they remain too risky for the average investor. Meanwhile, gold has surged to nearly $3,000 per ounce—should you buy in, or is it just another hype cycle? Brian also unpacks AI’s growing role in the economy, highlighting investment opportunities and potential pitfalls as this technology reshapes industries.
Plus, the show takes a hard look at financial scams and the importance of being proactive about wealth preservation. Whether it's protecting your digital assets, avoiding shady investment schemes, or understanding why AI-driven fraud is on the rise, this episode equips you with the knowledge they need to stay ahead in 2025’s unpredictable markets.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley
This week, Brian Wiley and Jeremiah Bates break down the latest market swings, explaining why recent volatility is normal market behavior and how investors should approach it. With economic uncertainty looming—fueled by inflation concerns and political factors—the guys explain how to stay disciplined in your investment strategy.
As tax season kicks into high gear, they tackle common tax questions, including how to handle 1099 forms, correct errors on tax documents, and optimize your filings. Retirement planning is another hot topic (as always), with key insights on when to claim Social Security, how to create a steady income stream, and strategies for managing taxes in retirement. Brian and Jeremiah dive into real-world financial planning cases, from consolidating debt efficiently to ensuring your portfolio is structured to weather market downturns.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
With the triple team, Brian, Jeremiah, and Alex dive into smart strategies for minimizing capital gains taxes when selling property. A caller shares their real-life scenario of selling two properties, prompting a discussion on how to leverage exemptions, 1031 exchanges, and Delaware Statutory Trusts to maximize profits while minimizing IRS exposure.
Next, they tackle the age-old question: should you pay off your mortgage before retirement? With interest rates at historic lows for many homeowners, we break down why keeping a low-interest loan might be the better financial move.
We also explore retirement income planning, balancing liquidity with long-term growth, and how to ensure financial security for both spouses. Finally, we touch on Medicare premium brackets and how capital gains can unexpectedly increase healthcare costs.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Jeremiah Bates, & Alex Lundgren
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
What a wild ride 2025 has been so far! We dive into the latest market swings and how tariffs are shaking up the economy. Jeremiah and Nic break down what the recent tariff discussions mean for businesses, consumers, and your portfolio. They also tackle the volatility that has defined 2025 so far—why markets keep swinging and how to stay level-headed through the noise. Do you think tariffs will be good or bad for our country?
The conversation then shifts to tax planning, including key strategies to maximize deductions, the impact of the expiring Tax Cuts and Jobs Act, and whether Roth conversions should be on your radar before potential tax hikes.
Plus, the guys dig into real-life financial planning scenarios—managing estate taxes, protecting your wealth in blended families through proper estate planning and prenuptial agreements, and, of course, the financial scams to watch out for this tax season. AI-driven fraud is on the rise, and it’s getting more sophisticated—don’t get caught off guard!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
This week, mortgage rates are top of mind as we discuss where they’re headed in 2025 and how the bond market is influencing lending rates. Guild Mortgage’s Dave Perry joins the show to break down home-buying strategies in today’s high-rate environment.
Next, we explore how interest rate trends could impact your investments and borrowing power. The Federal Reserve’s latest stance suggests a “wait and see” approach—so what does that mean for markets and your portfolio?
Finally, the recent elimination of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) could mean thousands more in benefits for certain retirees. We discuss what this means, who qualifies, and why you need to prepare for potential tax implications.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
Guest:
Dave Perry, Guild Mortgage
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
On this episode, Jeremiah and Nic discuss how to navigate the complex tax season, offering tips for understanding 1099 forms and avoiding tax surprises. The duo dives into artificial intelligence and its potential impact on the economy, from energy demands to legislative risks, providing listeners with perspectives on investment opportunities and challenges in the AI space. Additionally, they explore the evolving role of financial advisors, highlighting the importance of trust and comprehensive planning that aligns with clients' values and long-term goals.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
Wealth Management Advisors at Tree City Advisors of Apollon
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian Wiley and Jeremiah Bates unpack the dangers of bad advice on platforms like TikTok, highlighting how poorly sourced financial tips can lead to major IRS troubles. They emphasize the importance of vetting financial advisors and understanding credentials to ensure your money is in trusted hands. Too bad it didn’t stay banned for long!
They then shift to pensions, exploring the pros and cons of lump-sum payouts versus lifetime payments. The hosts address factors like interest rates, flexibility, and the long-term viability of pension providers. They also highlight the nuances of joint-life and single-life payout options, along with how to align these decisions with your retirement goals. Plus, donor-advised funds can be a strategic charitable giving tool. The hosts explain how these funds work and the tax advantages they offer, especially for those with RMD obligations.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Looking back at the week, Jeremiah and Brian dive into the latest job numbers and their surprising market impact, exploring how strong employment figures might influence Federal Reserve decisions and bond yields in the months ahead. They examine the intricacies of Qualified Charitable Distributions (QCDs) and Donor-Advised Funds (DAFs), showing how strategic giving can maximize tax benefits while supporting causes close to your heart. Plus, it’s never been easier to start a business here in the United States. Brian shares a story about how easy it is – no excuses!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
To kick off 2025, Brian Wiley and Jeremiah Bates dive into the year ahead with actionable insights on smart tax strategies, the evolving crypto market, and navigating the housing landscape. They emphasize the power of Roth conversions and other pre-tax tools like HSAs and 401(k)s, providing guidance on how to optimize your tax picture and keep more money in your pocket.
The guys explore how market trends, including semiconductors and other tech investments, could shape 2025. The duo weighs the potential of AI-driven industries and crypto’s long-term prospects, unpacking the implications of regulatory developments for investors. Plus, get tips for tackling the housing market creatively amid high interest rates.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
As we hit the final weeks of December, we’re gearing up for the financial challenges and opportunities that lie ahead in 2025. The conversation kicks off with expert insights on recent market movements, helping you understand what's driving the end-of-year volatility.
Brian and Jeremiah talk about value and growth investing, offering practical guidance on where to focus your attention as interest rates fluctuate and the Federal Reserve sets its course for the coming year. This is a segment worth paying attention to going into January.
Wrapping things up, we dive into year-end tax strategies designed to boost your bottom line. From maximizing Roth conversions to smart tax planning for retirees, these actionable tips will help you make the most of your financial opportunities before the clock strikes midnight on December 31st.
Have a very Merry Christmas!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Jeremiah Bates and Alex Lundgren kick off the show by addressing common retirement planning mistakes, emphasizing the importance of saving early, adjusting plans over time, and preparing for rising healthcare costs. They highlight how neglecting these steps can derail your financial security in retirement. We see these often! They also dive into effective debt management, offering tips to avoid high-interest traps and use debt strategically.
Tax planning also takes center stage with a discussion on Roth conversions and their potential impact on Medicare premiums and overall tax liability. Jeremiah and Alex stress the importance of understanding how financial actions, like selling assets, affect your tax picture. Plus, advice on investment diversification to manage risks and behavioral finance tips to overcome emotional decision-making that can (and will) harm your portfolio.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alex Lundgren
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian and Jeremiah kick off today's discussion with the concept of simplicity in financial planning—reminding us that overcomplicating strategies can often lead to unnecessary stress. From estate planning to consolidating accounts, they emphasize the value of keeping things straightforward, especially when working across generations within families. The guys also delve into charitable giving and the often-overlooked tax benefits it can provide. By fine-tuning how donations are executed, you can maximize tax savings while supporting causes that matter to you.
Plus, options trading takes center stage as they explain its mechanics, risks, and potential rewards using relatable analogies. Whether you're a seasoned investor or just curious about options, their insights help you understand this complex investment strategy. Remember to be smart about your options trading! Your risk could be unlimited.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
After the shortened trading week, Brian Wiley and Jeremiah Bates tackle the increasing threat of financial scams, particularly those targeting the elderly. With over $10 billion reported lost to scams in 2023, they discuss the importance of vigilance in protecting loved ones and yourself from fraud. 'Tis the season to be scamming!
Additionally, the duo explores elder financial exploitation by trusted individuals, such as family members or caregivers. The hosts discuss systemic vulnerabilities and the vital role of fiduciary responsibility in safeguarding assets. Whether you're navigating caregiving arrangements or seeking ways to assist aging parents, this episode provides insights to protect against exploitation and maintain financial security.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
On this episode, we dive into some of the most important financial strategies you should consider as we approach the end of the year. Whether you’re managing your portfolio solo or working with a financial advisor, we’ll break down how to match your financial needs with the right type of advisory service.
We’ll also talk about the top year-end tax strategies to help you make smarter moves. From tax-loss harvesting to charitable giving through donor-advised funds, these tips could make a big difference in how much you save when tax season rolls around!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
In this shortened show, Brian and Jeremiah examine the ambitious push for government efficiency, including plans to cut $2 trillion in spending. With leaders like Elon Musk and Vivek Ramaswamy at the helm, we explore how transparency and strategic cost-cutting could reshape government operations while addressing public skepticism about bureaucracy. Will it work?
We also take a walk into Roth IRA conversions, highlighting how converting traditional retirement accounts during lower-income years can reduce taxes and secure long-term, tax-free growth. There's a reason we talk about this often. Finally, the episode focuses on managing investment risk through proper diversification and understanding asset performance. Whether navigating crypto markets or balancing a portfolio for retirement, smart risk management is critical for a successful financial plan.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Jeremiah Bates and Brian Wiley dive into key strategies for tax-efficient retirement income, focusing on Roth conversions and income planning. By understanding tax implications and income thresholds—such as those impacting Medicare premiums and ACA credits—retirees can strategically use Roth conversions to minimize taxes and optimize inheritance planning. This approach helps protect against unexpected tax burdens and offers beneficiaries the advantage of tax-free inherited funds.
The guys also explore how market behavior and national events, like elections, impact investment decisions, emphasizing the importance of maintaining a long-term strategy despite short-term uncertainties. Additionally, they offer insights into national debt concerns as Brian and Jeremiah examine the U.S. debt-to-GDP ratio and its implications for economic stability.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Brian and Alex dive into proactive retirement planning and key strategies to make the most of your savings. We discuss how tax-efficient withdrawals and income planning can maximize funds, especially if you’re retiring before Medicare eligibility. We also cover how withdrawals from accounts like Roth IRAs and 401(k)s impact taxes and health insurance credits, making careful planning essential.
For parents, we share tips on teaching college-aged kids about managing tuition and building financial independence. We also explain the tax implications of 401(k) rollovers and the importance of direct rollovers to avoid penalties. For business owners, we emphasize the need for specialized advisors who understand the unique financial challenges of entrepreneurs. Lastly, we explore why balancing risk in investments is crucial, avoiding the extremes of being too conservative or aggressive.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Alexandra Lundgren
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.co
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
—————————————————————
Jeremiah and Brian explore essential financial strategies for retirees navigating today’s unpredictable economic landscape. We discuss handling stock market volatility through diversification and risk tolerance, as well as optimizing tax-efficient withdrawal strategies from retirement accounts to minimize taxes and manage required minimum distributions (RMDs). Additionally, the guys address the impact of inflation on retirement planning and the need to adjust financial strategies to maintain purchasing power. Finally, we analyze key economic indicators and investment strategies during uncertainty, emphasizing the importance of aligning your approach with long-term financial goals for a secure retirement.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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It’s October, so now is the time to discuss end-of-year tax planning for business owners. The team emphasizes the importance of organizing your books, categorizing expenses correctly, and maximizing deductions before December 31st. CPA Stephanie Helms also shares insights on tax projections to help you save money.
Stephanie also breaks down the Corporate Transparency Act (CTA), which requires business owners to file a beneficial ownership report by the end of the year. She explains what this means for both small and large businesses, along with the penalties for non-compliance.
We also cover market and economic trends, examining how global events, rising interest rates, and market volatility in September and October could affect your investments.
Finally, we focus on capital gains tax planning, offering strategies for timing asset sales, qualifying for long-term capital gains rates, and offsetting gains with losses to reduce tax liabilities. It's time to wrap up your 2024!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
Guest:
Stephanie Helms, CPA
https://davestewartcpa.com/
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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This last Saturday, Brian and Jeremiah were joined by attorney Steve Rausch to dive into some critical financial topics for business owners and families.
First, they explored the new FinCEN Beneficial Ownership Reporting Requirements. Starting January 1, 2025, businesses must report their beneficial ownership to the Treasury Department to combat tax evasion and money laundering. Non-compliance could result in hefty fines and jail time, so make sure you’re prepared!
The team discussed the importance of prenuptial agreements in estate planning. Prenups are especially vital for those in second or later-in-life marriages, as they protect personal and financial assets in case of divorce or death.
Next, they tackled trusts and estate planning for business owners. Trusts help avoid probate and ensure seamless asset transfer, but they can complicate FinCEN reporting. It’s crucial to plan carefully when using trusts in business ownership.
Finally, the team looked at entity structuring and asset protection. Setting up LLCs and holding companies can safeguard personal assets from business-related liabilities, but you need a clear strategy to stay compliant with FinCEN regulations.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley & Jeremiah Bates
Guest:
Steve Rausch, Attorney
steverauschlawoffice.com
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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In this episode, we dive into the implications of the Federal Reserve's recent 0.5% interest rate cut, examining how it affects the economy, inflation, and financial products like loans and savings accounts. We also tackle the rising costs of living due to inflation, focusing on how essentials like groceries and auto insurance impact consumers daily. As we navigate this changing economic landscape, our experts discuss adaptive investment strategies, particularly for income investors, and the importance of tailoring portfolios to respond to potential future rate changes. Lastly, we explore retirement savings options for business owners and self-employed individuals, detailing plans such as traditional IRAs, SIMPLE IRAs, SEP IRAs, and solo 401(k)s. Understanding these options is crucial for optimizing tax benefits and ensuring a secure financial future.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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In this episode, Eric Forner of Passive Income Blueprint, shares his insights on building personal brands and passive income through affiliate marketing and online courses. He discusses his journey, the importance of mentorship, and how he made $19,000 in just 21 days through branding and storytelling. We also dive into business valuation challenges when a brand is closely tied to its owner, exploring strategies for creating a systemized, sellable company.
We cover Nvidia's key role in AI development and its partnership with Taiwan Semiconductor, while also examining geopolitical risks tied to the stock. A caller, Belinda, discusses her debt repayment strategy, including whether selling stock to pay down her high-interest debt was the right move.
Additionally, we explore rental property management, liquidation, and using a 1031 exchange or Delaware Statutory Trust to reinvest for better cash flow and tax efficiency.
Tune in for a comprehensive discussion on personal branding, AI investments, debt strategies, and real estate management!
Hosts:
Brian Wiley
Jeremiah Bates
Eric Forner, CEO, Passive Income Blueprint
go.passive-income-blueprints.com
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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With the rising cost of living, can young adults cover essentials like rent, food, and bills without relying on parental support? In this episode, we dive into the financial independence of young adults in today's challenging economic climate and compare it to previous generations.
The conversation also sheds light on the reality of low starting wages in certain fields—such as teaching—especially in places like Idaho, where financial struggles can be more pronounced. We discuss various strategies parents are using to help their children through this transition period, from keeping them on family plans to offering direct financial assistance for major expenses like buying a home. Is it necessary for today’s parents to support their children when they first leave the house?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Jeremiah and Alex explore the impact of Federal Reserve interest rate changes on fixed-income investments like CDs and bonds. As rates rise, CDs become popular, but reinvestment risks loom when rates fall... We also discuss the inverse relationship between interest rates and bond prices, guiding you on how to navigate this shifting terrain.
Next, we compare 401(k)s, Roth IRAs, and Traditional IRAs. The tax implications of each, contribution limits, and strategies like the “backdoor Roth IRA” for high-income earners. We also delve into effective investment strategies, including asset allocation and diversification. We highlight the risks and rewards of individual stocks, such as Nvidia, and the influence of market trends and geopolitical factors on your portfolio.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates & Alexandra Lundgren
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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This Saturday, we start by exploring the tax-efficient approach of Net Unrealized Appreciation (NUA) for managing company stock within a 401(k), explaining how you can potentially lower your tax burden. We analyze the anticipated Federal Reserve rate cuts and their implications for different market sectors and your investment portfolio. Do you feel like inflation has slowed down enough to cut rates?
We also tackle common IRS challenges, including tax filing and payment issues, and share tips on how to contest penalties through the taxpayer relief office. Learn about IRS Rule 72(t), a crucial tool for those considering early retirement, which allows penalty-free early withdrawals from retirement accounts. Finally, we cover key retirement planning strategies, focusing on managing taxable income to qualify for health insurance subsidies and optimizing your Social Security benefits.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley
Nic Daniels
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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How much do you tip the waiter when they ask? On Saturday, we dove into the complexities of taxation for tipped employees, exploring whether tips should be taxed and how it impacts Social Security, FICA, and eligibility for tax credits and public assistance. We also discuss the potential benefits of investing in Opportunity Zones, areas designated for economic development that offer unique tax advantages for those looking to revitalize communities.
Our conversation then shifts to wealth-building strategies, unpacking how the wealthy leverage tools like Delaware Statutory Trusts (DSTs), Opportunity Zones, and 1031 exchanges to grow their wealth while minimizing taxes. Finally, we offer financial planning advice for young adults, focusing on the importance of starting early with a Roth IRA, building strong savings habits, and the value of mentorship in financial literacy.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley
Alexandra Lundgren
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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In this episode, we dive into the complexities of market volatility and its impact on retirement planning, particularly for those approaching retirement. We discuss the recent market sell-off, its global roots, and the implications for the 401(k) accounts of those nearing retirement. You'll learn about the carry trade strategy and how it influences currency exchange rates and interest rates, contributing to recent market movements.
Our hosts offer practical advice on adjusting your investment strategy, emphasizing small, strategic reallocations over emotional, large-scale changes. We also explore the importance of risk assessment tools like Nitrogen (formerly Riskalyze) to ensure your portfolio aligns with your retirement timeline and goals. Want a free portfolio analysis through Apollon Wealth Management? Reach out to us using the link below!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley
Jeremiah Bates
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Jeremiah Bates runs solo to break down asset allocation vs. asset location: diversification vs. location. He also compares Roth IRAs and traditional IRAs, focusing on tax advantages and when to use each, including backdoor Roth IRA strategies for high-income earners. Tackling market volatility, he discusses the stock market's unpredictable nature and emphasizes long-term strategies. Plus, we analyze Intel's recent stock performance, broader market trends, and the impact of Federal Reserve policies on interest rates and asset classes…
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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We dive into the recent market volatility influenced by key economic indicators like jobs reports, leading to a shift from equities to bonds. We also discuss various investment strategies, emphasizing the importance of a balanced portfolio, the potential risks in tech stocks, and the nuances of speculative trading with options.
We also explore how the upcoming presidential election could impact the markets, with a focus on sectors like defense, energy, and healthcare. Intel's recent challenges, including a significant stock drop, layoffs, and dividend suspension, are analyzed, along with its long-term prospects in the AI and chip industry.
How to maintain your long-term investment strategies despite market fluctuations and introducing the "bucket system" for asset allocation. Dividing assets into cash, income, and growth buckets can help manage risk and align with your financial goals.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Jeremiah Bates, Ben Barzideh
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Recent GDP data shows higher-than-expected growth driven by robust consumer spending, suggesting a healthy economy… But does your personal finances feel the same way? Our discussion also covers the Federal Reserve's potential interest rate cuts amid moderating inflation and strong GDP growth, and their implications for the economy and stock market. We also talk about the importance of planning, understanding market volatility, and the differences between income-focused and growth-focused portfolios. Finally, we touch on estate planning topics such as the step-up in basis, required minimum distributions (RMDs), and the fairness of estate taxes.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley
Jeremiah Bates
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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In the second hour of last Saturday's show, Brian Wiley and guest Matt Nadeau, an advisor with Piershale Financial Group of Apollon, tackled retirement planning and tax management for small business owners. Brian criticized the uneven retirement savings options between large and small businesses, advocating for uniform deferral limits. They highlighted the need for a team of professionals, including financial and tax advisors, to navigate complex financial issues. The discussion also covered the benefits of Health Savings Accounts (HSAs) for tax advantages and medical expense flexibility and more!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley
Matt Nadeau, Wealth Management Advisor
https://www.piershalefinancial.com
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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In this episode, Jeremiah Bates is joined by Ben Barzideh, a Wealth Management Advisor with Piershale Financial Group of Apollon. They discuss the recent CrowdStrike cybersecurity incident that occurred last Friday and its significant impacts on industries and the stock market. They emphasize the importance of diversification in investment portfolios to mitigate risks of over-concentration. Practical advice is offered for business owners and investors on protecting themselves through insurance and strategic diversification. Additionally, Jeremiah and Ben highlight the importance of early tax planning with a CPA, especially for small business owners. Guidance on setting up retirement plans, such as 401(k) and Simple IRA, is provided, detailing their administrative requirements and benefits.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Wealth Management Advisor
Ben Barzideh, Wealth Management Advisor
https://www.piershalefinancial.com
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Jeremiah and Nic explore crucial aspects of financial planning and retirement readiness. We emphasized the necessity of open dialogue about money matters and ensuring that financial decisions align with personal goals and needs. Our discussion covered diverse income sources for retirement, managing expenses within budget constraints, and addressing the emotional aspects of transitioning into retirement. We also delved into the pivotal role of financial advisors in guiding clients through financial behaviors, risk management strategies, and estate planning. We stressed the importance of categorizing expenses into essentials, wants, and wishes in retirement planning, prioritizing non-negotiable needs such as healthcare and utilities.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Jeremiah Bates and attorney Steve Rausch emphasize the significance of estate planning and the benefits of using trusts to manage assets, maintain control, and minimize tax implications. They compare the tax implications of gifting property versus transferring through an estate plan, stressing the importance of understanding cost basis and capital gains taxes. They touch on some anticipated tax law changes, especially the potential sunsetting of the Tax Cuts and Jobs Act, highlighting the need for proactive financial planning. Additionally, they cover the importance of long-term care planning and appropriate insurance policies, noting rising costs and the need to prepare in other ways besides just insurance.
(Also, sorry for the audio quality... oops!)
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Steven Rausch, Attorney
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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We are joined by Shahar Plinner, the CEO and founder of Formations, to delve into essential tax planning and business structuring strategies for small business owners. We discuss the significant benefits of transitioning to an S corporation, including reduced self-employment taxes and simplified financial management. Learn how Formations offers comprehensive services like legal entity setup, payroll management, and tax filing while still providing personal expert advice. We'll also discuss the crucial need for professional financial guidance for the self-employed and address common misconceptions about its cost. Maximize your business's tax savings!
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guest:
Shahar Plinner, CEO/Founder of Formations
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
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SPONSORS:
Formations:
https://get.formationscorp.com/real-money-pros
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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In this episode of The Real Money Pros, host Brian Wiley and attorney Steve Rausch from Gravis Law explore key topics in estate planning and asset protection. Steve explains the differences between wills, which go through probate, and trusts, which can avoid probate if properly set up. They discuss the importance of titling accounts and designating beneficiaries to avoid probate, focusing on transfer on death (TOD) and pay on death (POD) designations, and joint accounts. Steve also covers how state laws affect asset ownership and distribution, especially in divorce and estate planning contexts. Learn how to efficiently protect your assets and get it right the first time.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Steven Rausch, Attorney, Gravis Law
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Brian and Jeremiah are back live to discuss recent market movements, emphasizing the Federal Reserve's efforts to manage inflation and the impact of the latest PCE data on interest rates. They cover various investment strategies, recommending dividend-paying stocks over conservative options like CDs, and critically examining fixed and indexed annuities, noting their complexities and potential downsides. Additionally, they explain strategies for accessing retirement funds early without penalties, including IRS rule 72(t) for IRAs, age rules for 401(k) and 457 plans, and utilizing Roth IRA contributions.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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In this episode, Brian Wiley rides solo and provides essential financial advice on generating income for retirement through a three-bucket strategy: cash for immediate needs, income for consistent revenue streams, and growth for long-term investments. The discussion includes tips on avoiding emotional investing, the benefits of index funds, and the pitfalls of high-yield investments and gold. Additionally, Brian talks about the risks (and opportunities) of investing in distressed stocks, emphasizing diversification and professional guidance when needed. He covers tax-saving strategies for self-employed individuals, including the advantages of structuring businesses as LLCs or S-Corps to maximize dividend distributions.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com/daveperry
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Happy Mother’s Day! In this weekend’s discussion, Brian Wiley and Jeremiah Bates highlight the critical role of life insurance in providing a safety net for loved ones during challenging times. They give tips for calculating the ideal coverage amount based on factors like income, lifestyle, and future financial needs. Additionally, they guys explore the advantages of trust-based planning in estate management and discuss how trusts offer greater asset protection and flexibility compared to traditional wills. Let’s make sure our families are taken care of if we suddenly aren’t here to do it ourselves.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com/
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Who's ready to retire? Most of us are ready mentally, but how about financially? Jeremiah Bates and Alex Lundgren share real-life client stories about individuals who didn't believe they were prepared for retirement, only to discover they were, and vice versa. The easiest way to set yourself up for that next step? Prepare an in-depth plan. They also delve into the strategy of Roth conversions and how their clients utilize them to minimize taxes and free up extra funds in retirement.
Jeremiah and Alex explore methods to access your home's equity by utilizing HELOCs and reverse mortgages to supplement any necessary cash flow for your post-working years. They also discuss proper strategies for exiting rental properties, including 1031 exchanges, Delaware Statutory Trusts, and more.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Alex Lundgren, RSSA®, AIF®, Financial Advisor
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com/
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Formations:
https://get.formationscorp.com/real-money-pros
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Brian teaches us a good life lesson about paying your dues on time... If he had taken his own advice, he could have saved $8,000! Last Saturday, he was joined by fellow advisor Nic Daniels and attorney Steve Rausch to discuss the trickiness of filing taxes and the potential penalties for mistakes. Does Brian have a claim to avoid that large IRS penalty? The topic of timeshares also comes up, raising the question: How do you get out of it?
In a more serious tone, they discuss the Corporate Transparency Act, legislation that would require millions of LLCs across the country to file an extra form in the name of preventing money laundering. How will this be enforced for small businesses? Because a $500/day late fine can easily become unpayable. They question the government's understanding of the underlying issue and whether they truly believe this is a quick fix.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
Steve Rausch, Senior Attorney, Gravis Law
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Brian Wiley broadcasts from the suburbs of Chicago with fellow advisor, Ben Barzideh with Piershale Financial Group to dive deep into the world of investment methodologies, market volatility, retirement planning, and active money management. In this episode, they explore various investment approaches—from buy-and-hold to tactical strategies—highlighting the benefits, drawbacks, and considerations for retirees and pre-retirees. Discover the challenges retirees face amidst market fluctuations, the emotional impact of significant losses, and the importance of tailored retirement plans.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
https://www.piershalefinancial.com
Hosts:
Brian Wiley, Financial Advisor
Ben Barzideh, ChFC® , RFC®
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This past weekend, we welcomed fellow advisors and radio show hosts from Piershale Financial Group, based in Illinois. We began with advice on Social Security planning, discussing optimal benefit ages based on pension income, IRAs, and Roth conversions. We cautioned against over-reliance on pre-tax retirement accounts, advocating for diversification with Roth IRAs and taxable investments. Tax considerations were highlighted, focusing on managing brackets through strategies like Roth conversions.
In the second hour, the team delved into the importance of strategic planning for Social Security benefits. They covered optimal claiming ages, spousal benefits, survivor benefits, and the benefits of delaying until age 70 for growth. Additionally, they touched on tax efficiency in retirement, emphasizing Roth conversions, bracket management, and the impact of required minimum distributions. The conversation centered on Social Security benefits, discussing eligibility, taxation, and maximizing strategies, along with understanding the tax implications of retirement income sources such as pensions and investments.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guests:
Michael (Mike) Piershale, ChFC® , RFC®
Matt Nadeau, CFA, RFC®
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Alex Lundgren, RSSA®, AIF®, Financial Advisor
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SPONSORS:
Guild Mortgage:
https://guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Do you ever look at your yearly premiums paid for insurance and wonder why you even pay that much for something that may never happen? But what if it does? Brian and Jeremiah talk about risk management, but not the kind you mitigate within your investment portfolio. They discuss the importance of life insurance, explain the differences between whole and term life policies, and give real-world examples of why our families absolutely need it. Plus, as we all start to finish up our taxes, they make a point as to why it's probably worth it to pay a tax preparer. Why? The same reason you may need an advisor.
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
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SPONSORS:
Guild Mortgage:
https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&utm_medium=description&utm_campaign=sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
In this Easter day show, Brian dives into the nuanced world of financial advising, focusing on the hurdles advisors encounter when approaching sensitive subjects with clients. He shares his personal experiences and insights on how advisors should navigate discussions about retirement risks, overspending, and faulty investment strategies. The roles of financial advisors reach far beyond asset management, as they need to manage the expectations of their clients and address their emotional responses. How deep does the relationship with your advisor run?
Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Brian Wiley, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&utm_medium=description&utm_campaign=sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
Are you invested the right way? And we’re not talking about the actual investments that you hold, but rather the things that you do BEFORE you even invest a dollar. Brian and Jeremiah, focus on being tax-efficient, implementing insurance, and diversifying account titles. The key to successful wealth management is making sure all sides of the circle are perfectly balanced. Client cases, goal-based planning, cash-flow planning, and more!
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guest:
Dave Perry, Guild Mortgage
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&utm_medium=description&utm_campaign=sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
This show focuses on the major news surrounding the litigation involving the NAR, the National Association of Realtors. If you’re unsure of what exactly is going on, we have Steve Rausch, an attorney with Gravis Law, explain what the class action lawsuit is and what it could mean for the NAR. Are 6% commissions fair for consumers to pay? We discuss our opinions and take calls from current and retired real estate agents to hear their perspectives. Our financial industry has set a fiduciary standard – should it apply to real estate as well?
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&utm_medium=description&utm_campaign=sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
The rise in interest rates has already started to slow. In turn, we’ve seen an increase in home listings, but can buyers even afford the mortgages? Dave Perry with Guild Mortgage (formerly Academy Mortgage) joins the show to help talk about credit scores and how they are evaluated when applying for a mortgage. Can you still get a home with a low credit score? You might not be dinged as much as you used to.
We then talk about death, a topic we don’t like to talk about, but one we should always be planning for. What you should have in your “binder” and common holes in people’s financial plans that absolutely need to be filled. Do you need a will, trust, or both? We answer those questions.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guest:
Dave Perry, Guild Mortgage
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
https://www.guildmortgage.com
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
Financial scams aren't anything new – they've been around for a while now. However, with the help of technology, their prevalence and complicated nature have only increased, especially with the progression of artificial intelligence. Have you been scammed before? We have!
In the second hour, Jeremiah and Brian help to explain the basic workings of cryptocurrency. While some of us may think that these digital assets are worthless, they prove time and time again that they're not leaving us anytime soon. How blockchains work, the roles of third-party crypto exchanges, and the scams that lie within them.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
All things Social Security! Okay – it may be a sort of boring topic, but navigating the Social Security system by yourself isn't as easy as you may think. Try getting to know all 2,700+ rules that apply! Alex Lundgren sits down with Jeremiah and gives some tips around Social Security filing strategies: implications of filing too early, spousal benefits, divorce, and more.
Is Invidia's blowout performance in 2023 (and now) sustainable? The team talks about indexing and the benefits of it when it comes to investing in these high-performing, unpredictable securities, such as Invidia and other companies developing and implementing artificial intelligence.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Alex Lundgren, RSSA®, AIF®, Financial Advisor
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
As we start to near the end of February, questions about tax-related items start to flood in for advisors and CPAs all around the nation. So what better time to bring in a tax expert? Our partner and friend, Stephanie Helms, joins us via phone to talk about tax topics that should be top of mind and answer any caller questions. How to properly take your deductions, 1031 exchanges, estimated taxes, and so much more.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Guest:
Stephanie Helms, CPA
https://davestewartcpa.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
In our first-ever live show for KFBK, we discuss the nuances of inheriting property, including the tax implications and gifting strategies. Brian and Jeremiah share heartfelt stories about emotional attachments to inherited items, offering guidance on whether to keep, sell, or gift them. Plus, we discuss the importance of establishing asset value, uncovering hidden assets, and maximizing investment potential in collectibles like comic books and coins. And many caller questions!
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Brian Wiley, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
The year is 2074, and your grandkids just inherited your extensive Pokémon card collection... What should they do with it? Brian and Jeremiah spend most of the show talking about and taking calls surrounding the topic of inheriting items. If you've ever been left with something that you're just not quite sure what to do with, the guys give some ideas and guidance. Organizing estate sales, step-up in basis, and dealing with sentimental feelings. Plus, if you lose money due to poor advice given to you by a professional, what kind of claims could you have? DSTs, REITs, and caller questions.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
Jeremiah, Brian, and Steve Cilley navigate through economic trends and financial strategies. Contrary to past recession predictions, they discuss the importance of anchoring financial plans to personal goals, urging listeners not to let politics dictate their approach. Unraveling the true essence of portfolio rebalancing, the hosts delve into its strategic nuances. The episode sparks debates on Basic Universal Income, higher minimum wages, and the intricacies of S.A.L.T. taxes. Exploring the complexities of tax codes, they question the necessity of convoluted structures and offer valuable tax strategies related to Health Savings Accounts (HSAs). Today's lesson: TAKE ACTION!
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Brian Wiley, Financial Advisor
Steve Cilley, CEO of Ataraxis PEO
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
In this episode, Jeremiah covers key economic topics like inflation moderation and interest rate policies, exploring their impact on investor sentiment. We also discuss the emotional aspects of selling a business and the growing influence of Artificial Intelligence in the restaurant industry. What industry is under attack next?
We provide practical insights into incorporating rental properties into Individual Retirement Accounts (IRAs) using self-directed IRAs. Plus, Jeremiah addresses the pros and cons of converting a traditional IRA to a Roth IRA, emphasizing that a Roth isn't always the one-size-fits-all solution. And much more!
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Host:
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
The passengers aboard the Boeing airplane that had its door blow out during mid-flight are trying to sue the manufacturing company. Is it justified? Serial entrepreneur Steve Cilley sits with Brian and Jeremiah to talk about how he would approach the situation as a business owner. How do you retain customers after something like that?
Now that crypto spot ETFs are widely available, have you picked any of them up? Do you trust it? Why would you even want to own it? Maybe cryptocurrencies aren’t the fad we once thought.
Among listener submissions, the trio clears the misconceptions surrounding gift tax and how it’s not actually a “tax.” Plus, is it even viable to tax the wealthiest people on their unrealized gains within their investments? All of that in these two hours!
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Steve Cilley, CEO, Ataraxis PEO
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
If you could go back in time and change your path in life, would you? The big news this week was the approval of Crypto Spot ETFs, allowing the masses to actually own cryptocurrencies like Bitcoin without having to open crypto-specific accounts. Now that it's going to be more accessible, is it appropriate for your long-term portfolio? Brian and Nic explain why your advisor might not even offer them to you (for now). Plus, listener submissions and much more.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
WE ARE LIVE AGAIN, BABY! Happy New Year to everyone, and we hope you're as happy to have us back doing the show live as we are. Jeremiah and Brian start by talking about Boeing's most recent incident and the potential implications that could create for its stock. They discuss paying professionals for services, TSP rollovers, A.I., and much more. If you've ever thought of starting a business, what has prevented you from just getting started? Brian brings up what it's like to be a business owner when it comes time to let go of your identity...
(Also, the audio fixes itself at 00:01:32... Sorry.)
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
Every end of the year, we give our personal predictions for 2024; Everything from sector performance, real estate, and more. Plus, we review our last year's predictions! What did we get right and what did we get wrong? Let's just say Brian's pessimism of home builder stocks in 2023 was greatly proven wrong... Will crypto and tech rule 2024?
Tax planning for the new year starts NOW! With new legislation, we can expect to see a rise in tax rates, so it's imperative that we start to plan for those increases as soon as we can. Steve Rausch gets pulled into the studio for a couple of segments to discuss how to properly gift property to your heirs. We talk about how step-up in basis works and the potential complexities and issues it can bring to a bad estate planning strategy.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
https://www.capitalcitylawoffice.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Steve Rausch, Estate Planning Attorney
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
The DJIA hit record highs, and the Fed expects to cut rates... what a week! To start the first hour, Brian and Jeremiah mostly discuss lowered interest rates and how that should (or should not) affect your investment portfolio. Which investments perform best in times of lower interest rates? They also focus on investors looking to generate income through their investments, emphasizing specific numbers and percentages that demand attention while disregarding others.
On another note, is A.I. going to take over our children? And no, we don't necessarily mean in the scariest way possible... Artificial Intelligence has surged in the last year, and we expect it to continue making headlines. While those of us who aren't tech-savvy might not fully grasp how it works, we can still explore how to profit from it. The guys talk about its integration into your portfolio and why it's something we need to consider as a viable investment.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
The labor market is not what it used to be. These darn kids just don't want to work anymore! Or maybe the issue is way more complicated than just that. Steve Cilley of Ataraxis PEO joins Jeremiah to discuss all things employment—things that employers and the self-employed need to pay attention to before the year is over and be sure to give it attention now. This stuff can get complicated! Plus, comparing different retirement plans and the incoming mandatory retirement benefits that will start in 2025. Do you think employees working from home are just as effective as in the office?
In the second hour, Brian and Jeremiah talk poorly of the annuity industry, to say the least. They'll explain why they urge people to take a different route, emphasizing that sometimes there's such a thing as too conservative. And if you're in one right now, don't worry. They'll tell you how to get out of it...
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Stephen Cilley, CEO of Ataraxis PEO
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
In the first hour, Brian flies solo to talk about his most recent DIY investor mistake... Yes, even he makes mistakes! He explains what to do to prevent what he did and gives other tips on picking and buying companies during market pessimism. Who doesn't like buying things on sale? Jeremiah helps end the hour with a November market update – it was a good month! This year has been kind to tech stocks, but are we starting to see the tide turn back to other alternatives? Plus, December means the season of giving, but giving could mean taxes! The guys give ways to be extra tax-efficient and helps you understand the gift tax rules.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
We hope everyone enjoyed their Thanksgiving weekend! First, Jeremiah and Nic discuss the Corporate Transparency Act, legislation that was passed to enhance transparency in entity structures and ownership in order to prevent money laundering and other illegal business activities. Sounds great to prevent the funding of terrorism and other misuse of funds, but how will it affect the everyday small business owner? Harsh penalties will also be available for the small guy… Along with listener questions, the team talks about recent retail sales reports and the upcoming expectations for this holiday season.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Understanding the concept of options and how they're used to leverage your position in a security can be confusing for many investors. Even more daunting to put them into action within your own portfolio! While Brian and Jeremiah don't go super far into the concept, they talk about when to use leveraging strategies and how to implement them safely. Plus, how fund managers use these techniques within ETFs and mutual funds to make you money. Also in the first hour, the guys discuss what to do if you recieve inheritence, whether it be in cash or an asset. They give strategic plans on how to approach it to avoid unnecessary tax consequences. In the second half of the show, they highlight why getting started is the hardest part about investing. While we see uncertainty in the markets and in the world as a whole, it's important to prevent ourselves from making knee-jerk reactions to these kinds of things. And do bonds now belong in your growth bucket?
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Jerome Powell's recent statements on Thursday ignite a debate on whether the Federal Reserve should slow down interest rate hikes, exploring the implications of their decisions over the last year. Jeremiah and Nic also cover Required Minimum Distributions (RMDs) and the updates from Secure Act 2.0, effective in 2024, detailing which accounts require RMDs and how to avoid penalties. Additionally, they emphasize the opportune moment to increase payroll 401(k) contributions.
Addressing millennials' financial concerns, including high credit card usage, substantial student loans, and a culture of spending, the hosts contemplate the viability of bonds as an investment. They discuss end-of-year financial moves, such as tax loss harvesting, and engage with listener questions.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
In this episode, we tackle the challenges of turbulent markets and difficult life events. Not everything is going to be a win! Jeremiah and Brian offer effective strategies to navigate these potential roadblocks. They also explore methods for generating stable income amidst market volatility, focusing on understanding bond yields and their impact on portfolios, along with the crucial bond price-yield relationship.
In the second hour, the team provides essential insights into financial considerations during divorce, covering joint accounts, property, debts, and legal representation. They'll discuss relevant laws and their application to accounts, as well as the importance of updating estate plans amid divorce proceedings. Plus, understanding mutual funds, IRAs, UMAs, other account types and the money-sucking fees that may be hidden.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
We have successes and failures throughout the course of life, as is the same with our personal financial management. Brian highlights why we should all try to find a mentor to learn from when it comes to investing, especially for those that may have not have had that sort of education through their upbringing. What types of people to work with and which types of people to not work with. Do everything you can to build that well-thought-out investment strategy! In the last hour, Brian talks about estate planning and other legal considerations. The difference between wills and trusts and in what situations they are best. Get ready for two hours of Brian Wiley, and only Brian...
The Real Money Pros
https://www.therealmoneypros.com
Host:
Brian Wiley, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Our mortgage expert, Dave Perry, sits down with Jeremiah to discuss the current landscape of 20-year high mortgage rates. Can there still be homebuying opportunities? Dave explains why buying a home, even with near 8% interest rates, is better than not being in the market at all. He provides data to show that waiting any longer may be even more expensive.
In the second hour, Alan and Brian discuss geopolitical risks and market volatility, and how they affect asset allocation. They delve into using technical analysis to identify leading indicators and explain why the news has such a significant impact on the markets.
Guests:
Dave Perry, Academy Mortgage
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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In this episode, we unravel the implications of Congress's recent failure to pass the Farm Bill. As the bill extends beyond just agriculture, what could be the repercussions of it not going through? Jeremiah and Nic discuss the most recent CPI numbers, and although many consumer categories are down in price, we're still feeling it in our wallets. As the United Auto Workers (UAW) strike continues, we dive into the broader conversation surrounding current inflation rates and the necessity for higher wages. How does this dynamic affect the average worker? Lastly, we set our sights on year-end financial planning. As the year draws to a close, it's imperative to make strategic moves to set yourself up for a financially successful 2024.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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No risk, no reward! Jeremiah and Brian give you a market update and talk about the most recent economic developments, including the most recent and surprising jobs report. Inflation, cost of living, and the stagnation of wages. Alan Holman joins Brian for the self-titled Old Guy Hour to give their old guy perspective on the markets. If you've been around for as long as they have, you've most likely also experienced market-related PTSD that has caused you to be wary of today's market conditions. However, that just means we've seen this all before (and it's probably not going to be as bad as the economic pessimists may think). Recession or not, don't make short-term decisions with long-term money.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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What is your 'why'? Why did you buy that stock? Why did you put your money into a CD? Is it because someone told you to, or did you copy someone else's strategy? There's a reason why it's called personal finance – it's personal to you. Jeremiah and Nic, in the first hour, talk about designing plans that work best for you, regardless of whether it applies to anyone else. Plus, listener questions! In the last half, Brian returns to the studio to focus on discovering strengths and weaknesses and finding solutions. Working with professional advisors, consider upgrading your advisors, and avoid getting too caught up in high-flying investment issues. After all, in reality, politics shouldn't dictate how you invest.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Jeremiah and Nic starts the show with market news – the United Auto Workers' strike, Instacart's IPO, and everything else important you may have missed. The guys move on to talk about the texts and phone calls that we never want to receive... Is your and your family's estate plan updated and where you want it to be? And if you've done those steps already, you may want to update it.
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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In a volatile market (like the one we are currently experiencing), your investment strategy needs to take a different approach. We need to understand the impacts of investing amidst high market risk and rising interest rates. Alan and Brian start the show by discussing some of the investment opportunities that may be available in this risky environment. Is it time to reintegrate bonds into your portfolio? They explain the distinctions between bonds and bond funds, and in what situations you may want to consider them. They also address how to balance growth and income needs when faced with a less-than-ideal market, and explore how annuities can sometimes be beneficial.
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
Who remembers the good 'ol days? The era of Coronavirus and free government money! If you've seen or heard recent advertisements regarding the ERC (Employee Retention Credit), it may be tempting as a business owner to try to get your hands on this "free" money. We have Steve Cilley of Ataraxis PEO to give his opinion on the matter and urges to keep cautious if you decide to move forward with the process. Plus, more topics surrounding business owners and hiring employees. In the second hour, Alex sits with Jeremiah to talk about the use of generating fear in order to sell investors certain ideas or financial products. At times, things like Gold, Annuities, and even Cryptocurrency are sold around the idea of protecting you from a devasting scenario. Don't fall into the trap!
Guest:
Steve Cilley, CEO
ataraxispeo.com/offer
Hosts:
Jeremiah Bates, Financial Advisor
Alex Lundgren, AIF®, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Have you personally felt the impacts of our current inflation? Looking at the numbers, Energy is up and used car prices are down, but what have you noticed the most? Amid the high costs of everything, there is the silver lining of low unemployment in the United States. But is that a positive statistic in the long term? While that seems like a weird question, Alan and Brian talk about the long-term effects of a continuous desire for higher wages. With Britain's newest IPO, ARM, hitting public markets, we've realized that the IPO landscape has been very lowkey the past year. They explain how they work and the difficulties for the average investor to obtain shares of IPOs in general. Finally, questions to ask your advisor to make sure they're actually in it for you...
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Ataraxis PEO
https://ataraxispeo.com/offer
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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How much is enough to retire? It's actually not as much as you probably thought... If you're wanting to listen to the first hour of the show hosted by Brian Wiley and Alan Holman, visit our previous episode!
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Mortgage rates nearly kiss the 8% mark for a 30 year loan and starter homes in Denver can near $750,000... How did the housing landscape become like this? Alan and Brian talk about low inventory and ways you could possibly lower that interest rate. Apple stock drops, showing us that maybe the tech industry can't keep performing like this forever? While we may be far from the fall of tech, the guys discuss why investments in the energy sector may be necessary for sustained growth. Is lithium mining the new hot take? Finally, Brian and Alan explain pensions and why they're starting to gain popularity again. Important considerations before making a decision – this may be something that requires a professional.
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Have you noticed that politicians will throw out the most wild policies right before reelection season? Weird. Jeremiah and Nic start by talking about the proposed "Credit Card Competition Act" legislation that will effectively get rid of the credit card reward system. RIP to the travel industry! Plus, are utility companies really that stable? In the recent incident in Lahaina, power companies have shown us once again how much of a liability they can be. Just be careful how you invest in them... Come the second hour, Brian swaps places with Nic and talk about another sector: aerospace and defense companies with in the United States. Finally, discussed is generating income and how to gain "alpha" within your company's 401(k) plan. It may not be as optimally managed as it should be.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Alan and Brian start by talking about the world of sector investing and its benefits, while also cautioning against the pitfalls of over or underweighting in a specific sector. Don't underestimate your 401(k) – it's one of your most valuable assets! Learn why precision is key when selecting investments for your 401(k) and how a knowledgeable financial advisor can make a difference when it comes to growth in that account. Your company's investment strategy may not be the most optimized... Finally, we underscore the importance of comprehensive financial planning, whether it's partnering with an advisor or meticulously navigating the process yourself. Bucket strategy, reviewing insurance policies, chartible giving, and more.
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Nvidia blew past its already-high revenue expectation for this quarter, which seemed to surprise the overall market. How long can they sustain this level of growth? In our first hour, mortgage expert, Dave Perry, sits with Nic and gives an update on the current housing landscape. They dissect the actions made by the Federal Reserve and give some reasons why it’s so difficult to buy a house today. Coming in the second hour, Adam Berry with Lively HSA helps Jeremiah explain the benefits of an HSA and how to maximize health care savings.
Guests:
Dave Perry, Academy Mortgage
Adam Berry, Lively HSA
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Invidia and the technology sector is just the gift that keeps on giving. They continue to beat investor expectations, but how much longer can they keep it up? Alan stresses the number one thing to do if you're trying to short-term trade: Stick to a strategy. India goes to the moon, political noise makes its way back into the news, and – manufacturing is moving to outer space? After seeing the republican debates, do you get emotional? It's important to remember stay calm during the fear-mongering headlines and everything else that comes with politics. Green beats Red and Blue every time. Finally, some tips on strategically using life insurance to the best of its benefits.
Hosts:
Alan Holman, CFP®, Wealth Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Financial advice is NOT built the same. Alex and Jeremiah explain the distinctions between the various types of financial advisors, including insurance agents, registered representatives, and IARs. The team stress the importance of comprehending how your financial advisor is compensated and the implications of their recommendations. How would your advice change if you had a financial incentive? In the second hour, Alan Holman joins Jeremiah to give important financial tips that young adults need to remember. Many of the advice is based on staying out of high-interest debt, building up a savings, and getting familiar with any programs and benefits that employers may offer. Start investing now and have time work for you!
Hosts:
Jeremiah Bates, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
Alex Lundgren, AIF®, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
In the first segment, Alan and Jeremiah give you this last week's market update. After seeing the most recent consumer data, we're not quite sure how much of a recession we'll actually see. While still very possible, U.S. consumers are more resilient to keep spending than ever! Next, they jump into tips that young adults need to remember. Many of the advice is based on staying out of high-interest debt, building up a savings, and getting familiar with any programs and benefits that employers may offer. Start investing now and have time work for you!
Hosts:
Alan Holman, CFP®, Wealth Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Consumer debt on credit cards has hit the $1 Trillion mark. This definitely shows that the stigma around debt has clearly changed, as it's no longer seen as a "bad" way to conduct your finances. Although there are ways debt can be abused, what are the other negative implications that this trend could have on household budgets and the U.S. economy as a whole? Jeremiah gives his market update, which includes commentary around Fitch's downgrade of U.S. bank lending and the forecasted recession that we're supposedly going to see at the end of 2023. In the last two segments, Nic and Alex talk about pensions and what options should be considered if you have one. There are multiple ways you're entitled to receive your pension payments, but maybe only one of those options is best for you. Be sure to work with an advisor to make sure you're able to maximize your benefit.
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
Alex Lundgren, AIF®, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Inflation is sticking – and so is consumer spending. For how much longer can Americans maintain extra cash for things such as entertainment? Even with the rising costs of living and the general condition of the stock market, there are still so many opportunities to take advantage of. It may just take a little readjusting…
Hosts:
Alan Holman, CFP®, Wealth Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Some of the biggest financial news last week was that Fitch's bond ratings for the United States were downgraded, leaving a bit of a market sell off. What does this decision say about the U.S. and its fiscal policies? Brian and Jeremiah talk a lot about bonds and where (and if) they belong within your portfolio. Jeremiah gives his market update for the week, where U.S. indexes left off, and what companies outperformed. Alex Lundgren talks about the top five, most commonly overlooked expenses that retirees find. Make sure you are saving enough! Social Security, listener questions, and much more!
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
Alex Lundgren, AIF®, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Someone was able to scam hundreds of thousands of dollars from a prison cell? Alan Holman, joined by Brian Wiley, go back and forth on the issue of fraud, especially when it comes to senior citizens and those with limited mental capacity. If your parents or someone in your family falls into that category, it may be time to take over some of their responsibilties. They also talk about bonds and the recent downgrade of U.S. debt by the credit rating agency, Fitch. What does that mean for bonds? They discuss how they work and where or not bonds are something you should be trading. ETFs, generating income in retirement, listener questions, and more!
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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The directions that the markets move are largely out of your control. That means your money can lose value, even if you're doing all of the right things. But, there are some things we CAN control. In the first hour, Jeremiah discusses ways that investors can maximize their savings potential by being as cost efficient as possible. That includes finding investments with the lowest management fees, mitigating trading costs, and using the most tax-efficient accounts for your situation. Plus, the team explains the downsides of being too risk averse when investing. How much does your hesitation cost you in the long-term?
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Someone came to Jeremiah and said that they had roughly $10,000 to invest – and Tesla was a company that they had their eyes on. For whatever reason, there was some hesitation to pull the trigger. The result? Let’s just say they could’ve more than doubled their money… This morning, Brian and Jeremiah talk about risk taking when it comes to investing and the willingness to put your hard-earned money on the line. Plus, some small tactics we can use to get over the fear of losing.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
We've all been young once... and probably made some dumb financial decisions (or many). Brian and Alex hit the topic of financial "whoopsies" and how you can most likely fix them if the poor habits stop. Since Alex is our in-house Social Security Analyst, she touches on some of the more common mistakes that people miss out on when it comes to setting up their Social Security payments. In the second hour, the team talks about the value of the U.S. dollar and whether or not it is doomed to failure. Does the Federal Reserve really know how to pull us out of our recession?
Hosts:
Brian Wiley, Financial Advisor
Alex Lundgren, AIF®, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Christmas in July? Well, not exactly, but now that we're in the middle of summer, we're going to start preparing for tax season! The more time we have, the more likely we are to get it all right. Making sure everything is checked off the list will result in the least amount of taxes owed as possible. Get it done by December 31st – Your CPA will love you. Alan and Brian talk about maximum contributions to accounts, Donor Advised Funds, RMDs, and more.
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
In your day to day, where do you feel the impacts of inflation the most? Give the example of any economic hardship in the last few decades and you'll see people running out of the markets and eager for a definite answer. But while everyone is running out... run right in! However, as we saw consumer reports hit the public last week, we say tons of investor optimism. The headlines may be talking about inflation, but it seems consumers are continuing to spend! Amazon Prime Day(s), using Gold as a hedge, travel stocks, and more. Political discussions and what we need to see from following administrations.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Retirement: The one main goal that people strive for when saving and investing. So this morning, Alan and Brian hone in the discussion on retirement plans and the different forms that they can take. Traditional IRA, 401k, 403b, and 457 plans just being a few options we can choose from – depending on our situations of course. While we believe that Social Security isn't going to leave us for good anytime soon, there are some actions that we need to personally put into place to supplement any potential financial shortcomings that may come with Social Security in the future. Most Americans aren't financially prepared for retirement. Make sure you're not one of them!
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
In the first week of July, Larry Fink, the CEO of BlackRock, made some noteworthy comments about Bitcoin. As Bitcoin and other cryptocurrencies have proven that they're not going away anytime soon, he has changed his outlook on the asset class and has called it something along the lines of "Digital Gold". With their eyes set on developing an approved Spot ETF that tracks Bitcoin, could this change the way that we look at cryptocurrencies as a whole? Interest rates continue to rise and inflation is still very much prevalent, so BlackRock and other financial companies look to create a regulated ETF that investors can use as another Gold alternative in times of high interest rates and volatile markets.
Host:
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Failure to plan is planning to fail. That’s especially true when it comes to your end-of-life planning. For the majority of the show, Brian and Jeremiah talk about Estate Planning and how to avoid the financial mess that comes with failing to plan for death. They explain the difference between a will and a trust and what all your estate holds. How to bring up the conversation, where to start, and the importance of proper documentation.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
With Independence Day occuring in the middle of the week, there wasn't much activity... This weekend, Alan and Jeremiah wanted to expand more on Social Security for our listeners in Denver. "Will there even be money for me when I retire?" is a question we hear a lot. The team aims to ease some of the pessimism around Social Security by giving tips on how to strategically plan for earning that income in retirement. One thing you may not know? There are so many ways to take your Social Security payments–there is NOT a one-fits-all approach. When to file, widow's benefits, spousal benefits, and more.
Hosts:
Alan Holman, CFP®, Wealth Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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So far, 2023 has been a great year for the market with much thanks to the technology sector and the Artificial Intelligence "mania". Were any of these outperformers like Invidia part of your portfolio before this year? Now that we're at the middle mark of the calendar year, Jeremiah and Nic brainstorm on some of the things that we can be doing to prepare for taxes in 2024. They discuss 1031 Exchanges, the Delaware Statuatory Trust Strategy, and more. Don't pay a penny more than you have to!
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Brian Wiley and Alan Holman discuss the most recently revised GDP numbers, housing, and mortgage rates. They explore the current state of the economy, the impact of job growth and spending patterns, and the market's response to global events. They also delve into the concept of bond laddering as a strategy for income generation and provide insights on building a well-diversified investment portfolio. Also, Brian and Alan give ideas on how students can get creative when it comes to paying their way through college and handling any debt they may incur in the process.
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Nic discusses the recently implemented Inform Act, which aims to address the sale of stolen, counterfeit, and potentially harmful products on online marketplaces. The Inform Act requires platforms like Amazon and eBay to disclose and verify the identity of sellers to deter such activities. However, can it really be effective? Let us know what you think by going to our website and using our Ask the Experts feature!
Host:
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Interesting events unfolded over the weekend in Russia – and it’s sure to affect the markets in coming weeks. Will you be able to ignore the volatility and keep your eyes on the prize? Jeremiah and Brian define the distinctions between ETFs and Mutual Funds. Is one better than the other? Management fees, the targeted index it’s tied to, and other things to watch for when choosing between one or the other. In the second hour, we discuss spending in retirement. Since we spend most of our lives in the accumulation stage, shouldn’t we prepare to spend in a "de-accumulation" phase?
Host:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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This episode is all about charitable giving – and we had the honor of having the CEO and Founder of Project C.U.R.E., Dr. Douglas Jackson, to join us. He explains what his organization does and how we can give money to charities like his. Not only does our money go to great causes, but we can also take advantage of tax benefits that can positively impact us as well. Want to donate to Project C.U.R.E.? Follow their link below!
Hosts:
Alan Holman, CFP®, Wealth Advisor
Brian Wiley, Financial Advisor
Guest:
Dr. Douglas Jackson, PhD, JD
Founder of Project C.U.R.E.
Donate to Project C.U.R.E.
https://projectcure.org
The Real Money Pros:
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Social Security is the cornerstone of retirement income – about 1/3 of American retirees recieve 90% of their retirement income from Social Security alone. With so many people relying on it, you'd assume that they all know what they're doing, right? Well, not quite... Social Security can be a tricky thing to fully understand, especially if you want to get the most out of your money. Alexandra Lundgren joins Jeremiah on this broadcast to relay the information she has been learning about Social Security as she's worked towards becoming a certified Social Security Advisor. Delaying benefits, coordinating claims with your spouse, dealing with a previous marriage, and much more.
Hosts:
Jeremiah Bates, Financial Advisor
Alex Lundgren, AIF®, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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You've probably heard us talk poorly about annuities and other related investment products... and we're here to tell you that again. But in all seriousness, annuities are usually below-average performing investments that aren't beneficial to the majority of investors – especially those still in the accumulation stage. This morning, Alan Holman and Brian Wiley explain how annuity products operate and how you could easily be sold one by a slick-talking salesperson. While they warn against the cons of these, there are actually times where an annuity can be a great option for certain people.
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Outside of the United States, we’re seeing countries starting to form demographics that consist of more older people than there are younger people – Italy being one of them. Though it’s one of the hottest tourist destinations, it’s becoming less and less affordable for those that live there. Nic highlights the current issues that they’re having within their economy and how it’s related to our current Social Security system. Is it finally time to reform our retirement programs?
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Building a successful retirement fund doesn't happen without a solid plan to back it up. How else do you compensate for your child's college tuition, an expensive hospital bill, or a random series of expenses you never saw coming? Brian hosts the show solo today to explain the important of a financial plan and a look into the "Bucket Strategy" that he uses for his clients.
Hosts:
Brian Wiley, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Are we headed into a recession? Alan Holman believes so, but does that really mean much to your financial plan? We talk about Money Market accounts, what not to confuse them with, and how they fit into your planning buckets. We dive deeper into our “Bucket Strategy” and discuss whether or not Alternative Investments are worthy of time for the average investor. There are also questions you need to be asking your advisor or anyone selling you any sort of financial product. Treat them like you would a doctor – get a second opinion!
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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Last week, Advanced Auto Parts (AAP) announced a major cut in their dividend. The company announced lower-than-expected earnings per share and revenue for the first quarter of 2023, citing challenging and competitive dynamics. As a result, they reduced their earnings per share forecast by 40% and cut their quarterly dividend from $1.50 per share to $0.25 per share! This is just one example of how dividends are never guaranteed. Nic explains the potential pitfalls of investing for dividend income and why companies even pay dividends in the first place.
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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After weeks of built up anticipation, we were able to see a deal reached for the U.S. Debt Ceiling. As a result, we saw a fair amount of market optimism – Jeremiah and Nic give a brief market update on what happened this last week. May marked the 29th consecutive job report that showed more jobs were added to the market. Since the report is one of the data markers that the Federal Reserve is looking at to help cool inflation, what effect will this have for interest rates? Businesses having trouble finding workers, 1031 exchanges, and holding real estate within an IRA.
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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By this point in the month, the talk of Artificial Intelligence has infiltrated almost every financial news outlet. And it's no different on today's show in Denver... After seeing Invidia's big jump forward after they experienced investor optimism, almost every investor is wondering how they can become a part of this "mania". Alan Holman and Jeremiah Bates warn about becoming too invested in the hype and how risk management can allow you to capture gains while protected your downside risk. Are you all-in for A.I.?
Hosts:
Alan Holman, CFP®, Wealth Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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When banks like Silicon Valley Bank and Signature Bank went under, many people believed that we were going to start experiencing what we did back in 2008 during the "Great Financial Crisis". While these things definitely rhyme, what we saw a couple months ago versus what we saw more than a decade ago is actually much different.
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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As a nation of special interests, you can't have economics without politics; it's become apparent once again with the debates surrounding the debt ceiling. Brian and Jeremiah briefly touch on how Democrats and Republicans look differently on financial issues. With all of the other "noise" that's on your news timelines, it can be hard to focus on your end goals. When is it time to turn off the news, ignore what's going on in our country, and put your eyes back onto what's best for you and your family? Finally, the team discusses Artificial Intelligence and what it means for the U.S. workforce.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Debt ceiling, politcal talk, blah, blah, blah... Is this something we average investors need to pay close attention to, or is it just noise in the grand scheme of your financial planning? Alan and Brian discuss the national debt and what it means for our country. If you're in a 401(k) or another employee-sponsored retirement plan, be sure to rebalance your account at least once a year! Plus, the team discusses the future of Artificial Intelligence and the companies that are developing the A.I. landscape. What tech stocks should you be picking up to get-rich-quick? You're asking the wrong question.
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
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You would think that a Mutual Fund that is actively managed would beat the index that it’s based off of, right? Not always. And in the age of ETFs with low expense ratios, rarely ever. If you have a 401(k) or any other employee sponsored retirement plan, look into its holdings to see if you’re investing in these poor performing funds.
Resource:
https://citywire.com/pro-buyer/news/these-were-the-15-biggest-active-funds-10-years-ago-where-are-they-now/a2416765
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
The Federal Reserve is trying to stabilize the U.S. economy and keep its dollar's value stable. Are they doing the job? As prices of everything continue to rise and the cloud of a recession still looms, people are feeling like their pay isn't quite keeping up. Brian and Nic talk about minimum wage and how employers are being forced to pay people livable wages in order to keep their staff on-board. In the second hour, Brian debates heavily with a caller regarding "Modern Monetary Theory". Questions on NFTs and much more!
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels, BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
Elon Musk, while one of the richest people in the world, is one of the most innovative of our time. Although he's a major genius, could A.I. even take over his roles? Brian and Alan talk about the current state and the future of artificial intelligence; What companies can we expect to take it to the next level? With the most recent boom of cryptocurrencies and the get-rich-quick stories that came with it, people are now looking for the new opportunities in the A.I. industry. Emotions, patience, and strategy is a huge part of picking the next big thing – but are you capable of doing it?
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
The Social Security system was designed to fail? Brian and Alex uncover why Social Security may be trending towards "insolvency" and what that exactly means. And since their employees are not allowed to give advice on any questions you may have regarding SS, Alex gives advice on what you need to be aware of. Marriage benefits, divorce, clergy, and more. In the second hour, Brian wonders if leaving his wealth to his son is the best idea. Would your money be put to its best use? He shares how some creativity can make sure your money is used as intended after death. Companies and political stances, current market volatility, and our lack of direction.
Hosts:
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
—————————————————————
Welcome our new co-host, Alan Holman, for the new The Real Money Pros show in Denver, Colorado! Brian Wiley and Alan introduce themselves to the local Coloradans and talk a little bit about why they decided to spend their working lives in the financial industry. They explain what it means to be a fiduciary advisor and what it's like to work with a financial advisor that builds financial plans around their clients' goals.
Hosts:
Brian Wiley, Financial Advisor
Alan Holman, CFP®, Wealth Advisor
The Real Money Pros:
https://www.therealmoneypros.com
630 KHOW:
https://khow.iheart.com/
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
Advisor Insurance Solutions:
https://advisorinsurancesolutions.com/
—————————————————————
President Joe Biden's push to expand the accessibility of home loans for those who have had a hard time establishing credit has caused some confusion among homebuyers. Nic explains what these Loan Level Price Adjustments are and how (if implemented) these price adjustments will affect those looking to acquire funding to buy homes. Do you think those who have been financially responsible should accept their raised rates at the expense of those with poor credit?
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon
https://www.treecityadvisors.com
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Have you made your life's career your only identity? If so, you're in for a rude awakening in retirement. When people plan for retirement, many only plan for the amount of money they're going to need when they're no longer working. One of the most overlooked things is the most simple–what are you going to do with all that free time?! Brian and Nic talk more about retirement planning and their experiences with clients that have ended up going back to work. Also, they talk about value investing, how it differs from growth investing, and why it's so important to your long-term portfolio. Building income in retirement, owing taxes to the IRS, trust planning, and moving on to a new advisor.
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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The scary news headlines will tell you that we're headed towards a down-spiraling recession that's going to cause everything to burn. But is that true? Are we in one right now, is it coming soon, or did the scare already pass? Brian Wiley and Nic Daniels talk about the U.S. debt ceiling and explain why it's probably more of a conversation piece than anything else. Randy, a California caller, asks if it's possible to live life in America without a credit score and why it's normalized to have debt – this leads Brian to explain that not all debt it bad. Leveraging credit to build wealth and how responsible use of credit can get you ahead.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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Did you have trouble filing your taxes last week? Brian and Nic start off with the problems of our country's tax system, how we're expected to navigate it, and how the topic led to Brian getting 2 Million views on TikTok! Plus, they touch on the topic of co-signing. Has a loved one asked you to co-sign on any of their large purchases? Brian explains why this is a TERRIBLE IDEA! In the second hour, the team debates on the necessity of hiring an advisor for financial guidance as you go through life. Is it worth it to you specifically?
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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You recieved an amazing gift from someone in your family, but you're worried about the taxes you'll have to pay on that income! Pause. Jeremiah busts the most common myths that surround the Gift Tax.
Host:
Jeremiah Bates, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon
https://www.treecityadvisors.com
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By the time you're reading this, you've probably filed your taxes. If you did it yourself, did it go smoothly and without an argument with your spouse? If you said yes, you're lying. Brian and Jeremiah question the complicated nature of the United States' tax system. After a woman calls and explains her situation that revolved around a class-action lawsuit, the team explains how they work. Plus, the tax ramifications that are possible if one is to receive payment from a class-action case. What's going on in the markets and more!
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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During times of financial and global uncertainty, is Gold really your money’s safe haven?
Host:
Nic Daniels BFA™, Financial Advisor
Resource:
https://www.fisherinvestments.com/en-us/insights/market-commentary/caveats-to-golds-recent-climb
The Real Money Pros
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon
https://www.treecityadvisors.com
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April 18th is just around the corner... Have you procrastinated again? Brian and Jeremiah sit in the studio on Easter weekend to tell you that it's okay! The duo discusses some ways that you can become more tax efficient this year so you don't have to pay $1 more in taxes than you need to. In the second hour, they talk about financial literacy and how it can be hard to know what's right and wrong when we're bombarded with information on the daily. FOMO, greed, and loss aversion... Don't forget the tried and true financial tactics.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
SPONSORS:
—————————————————————
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
—————————————————————
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
—————————————————————
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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In France, we’re seeing an uproar from their citizens as President Emmanuel Macron pushes to delay qualifying retirement age by a couple of years. Why? There’s just simply not enough money in their pension. And unfortunately, the U.S. may need to make similar changes in the near future to prevent our Social Security system from becoming insolvent. So how do we fix it? Well, that’s the million dollar question.
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
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SPONSORS:
Academy Mortgage
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon
https://www.treecityadvisors.com
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The trust of our banking system continues to decline as more of these “scary” headlines hit the news. But if we can’t trust the banking system, then where is our money safe? A coffee can? Grandma’s basement? We tell you why paranoia does NOT mix well with your cash. And the revived movement towards cryptocurrency and decentralization is proof of society’s uneasiness towards the topic of large banking.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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As the news of failing banks around the world continue, the fear of losing hard-earned money to these institutions grow stronger. What is a bank run? Plus, Jeremiah argues that the CEO of Silicon Valley Bank may end up in a mess of legal troubles after accusations of insider trading start to stack. To spread more light on what happened in hopes to ease the uneasiness of these disasters, Todd Erickson with CapEd Credit Union calls in to answer some of the questions we have.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
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Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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Big news hit us late last week with Silicon Valley Bank essentially collapsing… and it begs us the question: Can we trust the banking system with our money? We may have the backup of the FDIC, but what flaws of the system could cause us to lose our money if it came to it? Brian, Jeremiah, and colleague Dave Perry dive into what happened and who is to blame. Plus, Dave gives us tips on how to manage our credit. And guess what–It’s really not that difficult.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Dave Perry, Branch Manager at Academy Mortgage
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The Real Money Pros:
https://www.therealmoneypros.com
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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Environmental, Social, and Governance. Brian and Jeremiah cover ESG Funds; are they as effective as a fund that strives for maximum performance? Finding the balance between ethics and returns. Jeremiah talks about adding cryptocurrencies into your portfolio and where you should actually be holding your digital assets. Don't put all your trust into the exchanges that make it easy for you to buy and sell... Finally, the duo gives some last minute tax advice and what to do moving forward.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
The Real Money Pros:
https://www.therealmoneypros.com
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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To open up your free HSA, visit livelyme.com/pro to get started!
In the first hour, Adam Berry from Lively HSA, joins Brian Wiley to talk about just that. HSAs! This self-audited tool is the best way to save for medical expenses and save on taxes. But what happens when you get audited and you used your HSA card to buy beer along with your cough medicine? Adam gives tips on how to properly use your HSA money and differentiates between what expenses are qualified and not. Jeremiah sits in on the second hour to talk about long-term investing, market volatility, and the future of A.I. companies.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Adam Berry, Director, National Banking Partnerships
The Real Money Pros:
https://www.therealmoneypros.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
The Federal Reserve is still busy trying to figure out ways to prevent our economy from heading into a full-on recession. With their corrections, can we expect a soft landing or a hard one? Maybe no landing at all. Jeremiah and Nic help cut down some of the financial “noise” we are bombarded with on the daily. What’s really important to pay attention to as a long-term investor? The inverted yield curve, artificial intelligence, and tax tips for 2022.
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
How much confidence do you have in the real estate market right now? In the first hour, Brian and Dave Perry have a conversation around housing affordability and just how much interest rates affect someone’s monthly payment. As the Fed raises rates further, will mortgage rates follow? It actually doesn’t have the correlation you may think. Plus, Jeremiah joins to discuss companies’ most recent earnings reports, upcoming economic outlook, and investing with loss aversion syndrome.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Dave Perry, Branch Manager at Academy Mortgage
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
The Real Money Pros:
https://www.therealmoneypros.com
Wait... Did we already pass the bottom of the market? Brian and Jeremiah talk about how most of your financial decisions are probably based off of your own sense of FOMO. Do YOU think the recession is finally over? The team touches on mortgage rates and the reason why the Federal Reserve keeps adjusting rates. The average American car payment is around $1,000/month! Could leasing be more practical? AI technology and trying to find the next Apple.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
The Real Money Pros:
https://www.therealmoneypros.com
Academy Mortgage:
https://academymortgage.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
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In 2022, stock and bond performances were abysmal… But that doesn’t necessarily mean more doom and gloom! After looking at previous years with similar performance numbers, there may be some hope for your accounts in 2023. We can take this as optimism, but not as a sure outcome.
Data Resource:
https://www.blackrock.com/us/financial-professionals/insights/student-of-the-market
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
Tree City Advisors of Apollon
https://www.treecityadvisors.com
Academy Mortgage
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Lively (HSAs and FSAs)
https://livelyme.com/pro
Companies are releasing their earnings statements, but what does that exactly show us? Nic Daniels breaks down Netflix’s most recent quarterly earnings and proves that numbers can be decieving. Plus, as inflation starts to slow, what effects will that have on mortgage rates? Dave Perry with show sponsor, Academy Mortgage, says that he predicts rates will continue to decrease. Rental properties, being a landlord, and more.
Hosts:
Nic Daniels BFA™, Financial Advisor
Dave Perry, Branch Manager at Academy Mortgage
Academy Mortgage:
https://academymortgage.com
The Real Money Pros:
https://www.therealmoneypros.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Lively (HSAs and FSAs)
https://livelyme.com/pro
Scammers are really out here! And the ones that are most likely to be tricked out of their hard-earned money are our aging parents and grandparents. In 2021, there was roughly $1.7 BILLION stolen from fraudulent schemes. Nic gives you a few key hints that will instantly tell you if you’re being scammed…
Host:
Nic Daniels BFA™, Financial Advisor
The Real Money Pros
https://www.therealmoneypros.com
Tree City Advisors of Apollon
https://www.treecityadvisors.com
Academy Mortgage
https://academymortgage.com/?lo=dave-perry
Lively (HSAs and FSAs)
https://livelyme.com/pro
You have money to put into your retirement accounts, but... where should that money exactly go? In the first hour, Brian and Nic talk about ways to evaluate a company. What parameters are the most important to look at and when to know that your emotions are replacing logic. Don't be afraid to be audited! Tax avoidance is MUCH different than tax evasion–pay the least amount of taxes your possibly can! Rebalancing your portfolio as life progresses, receiving an unexpected inheritance, and learning from your mistakes.
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
The Real Money Pros:
https://www.therealmoneypros.com
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
If you’re looking for income or you just want that extra dividend to help boost your investment growth, a high yield percentage is going to look super attractive. BUT! Beware. A high yielding stock may not necessarily mean that it’s a good investment choice. The underlying company and its good-standing isn’t represented by this number alone…
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Host:
Nic Daniels BFA™, Financial Advisor
Are you expecting a lower income than you had in 2022? A Roth Conversion could be a good way to recoup some of those losses.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
First, Brian and Jeremiah touch a little bit on Secure Act 2.0 and what happened within the markets this last week. They spend the remainder of the first hour talking about rebalancing your portfolio and doing so with strategy at the forefront. In the second hour, Jeremiah shares a story regarding cryptocurrency and how something as speculative as crypto can burn you tremendously. Learning from our past mistakes and doing tax preparation as tax season approaches.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
This ongoing legislation that has finally been passed by President Biden brings some very important changes to retirement planning. RMDs, conversions, Roth options, contribution limits, and much more. Be sure to do your own research on Secure Act 2.0 to make sure you take full advantage of its contents.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Finally, we get the final details of Secure Act 2.0 and how it will affect your retirement plans. Brian and Nic take the first few segments to explain some of the biggest changes that the legislation brings. They explain Roth conversions and the tax pros and cons, plus, some of the downsides that 2.0 presents. Finally, the team gives their predictions for 2023! The markets, world events, and individual stocks.
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Why is this the case?! Is it the current economy? Do people just enjoy working? Nic gives you five reasons why (the majority) of Americans are finding themselves working a few extra years before they transition into retirement life.
Resource:
https://www.financial-planning.com/list/5-reasons-americans-are-retiring-later-in-life
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
We hope you all had a very merry Christmas! Jeremiah and Alex talk about the popular “FAANG” stocks. These include some of the best-performing companies that are key to the movements in the markets. Should these stocks be a part of your portfolio? The team explains where your investments in growth stocks should be based on your time horizon.
Hosts:
Jeremiah Bates, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Merry Christmas, everyone! We’re all busy with holiday shopping, spending time with family, and relaxing. The last thing we want to think about is TAXES! But if you’re a member of Congress, that’s ALL you should be thinking about. Nic talks about the tax changes that are included in President Biden’s Inflation Reduction Act–the same ones that are yet to be clarified. Will these these changes actually solve our inflation issue?
Resources:
https://www.democrats.senate.gov/imo/media/doc/inflation_reduction_act_one_page_summary.pdf
https://taxfoundation.org/book-minimum-tax-analysis/
https://www.realclearmarkets.com/articles/2022/12/05/at_year_end_congress_must_fix_the_2023_tax_fire_it_lit_868128.html
https://crsreports.congress.gov/product/pdf/IF/IF11960
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Do you have a specific criteria that a company must fall in between in order for you to feel good about investing in it? Then ESG Funds are right for you! Or, are they? Brian and Nic discuss the potential downsides to picking individual stocks for your portfolio and why mutual funds or ETFs is possibly the better choice. Ford and the future of EV infrastructure and gold as a hedge. In the second hour, TODs, stock inheritance, proper investment allocation, and more.
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
What to pay attention to and what to ignore when it comes to studying international markets – What’s today, is tomorrow somewhere else. Why is our U.S. currency so strong right now and when can we expect its value to decline. Brian talks about current geopolitical risks and its affects on international markets and currencies.
Be sure to visit our website and use the “Ask the Experts” feature to get your financial questions answered. No strings attached!
Host:
Brian Wiley, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Special guest and show sponsor, Dave Perry with Academy Mortgage, joins Brian in the first hour of the show to answer the question we’ve all been asking: How much longer until housing comes back to equilibrium? Jeremiah takes place in the second hour to discuss bonds and how their secondary markets operate. Is now the best time to generate income by investing in the markets?
Guest:
Dave Perry, Sr. Loan Officer
https://academymortgage.com/?lo=dave-perry
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Who would’ve thought that November would be the month that they markets started to recover? Probably not you. Know your timeline and invest accordingly. Jeremiah and Alex talk about Roth Conversions and how they may not actually benefit you. There are some tax implications you should be aware of first. Capital gains, bonds, and more.
Hosts:
Jeremiah Bates, Financial Advisor
Alexandra Lundgren, AIF®, Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Will we ever see the bottom of the market? The answer is yes and our advice is to not worry about it too much. If you do your planning right, what happens around you becomes less scary. Tax lot sales, how to handle non-qualified gains, and building income portfolios. And instead of complaining about the wealthy using “tax loopholes”, how about we take advantage and benefit from them as well? Hope you all had a great Thanksgiving weekend!
Hosts:
Brian Wiley, Financial Advisor
Alexandra Lundgren, AIF®, Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
This last Friday, roughly $2 trillion in stock options expired. What does that even mean? Brian and Nic hit the airwaves today to explain just that. To hedge against risk in the markets, we contemplate two old-age investments that may become relevant again: Gold and Bonds. In the second hour, we talk about buying, leasing, or renting. Whether it comes to buying a house or buying a car, which option is best?
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
For many with money sitting inside of a pre-tax retirement account, it’s time to start thinking about taking their required minimum distributions. And depending on your situation, taking your RMDs may not exactly be ideal! Nic gives you some ideas on how to make the most out of those distributions. Online calculators, qualified charitable distributions, and investing your RMDs.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Resources:
https://www.forbes.com/sites/kristinmckenna/2022/10/19/the-best-way-to-take-required-minimum-distributions-rmds/?sh=6762222b69dd
Inflation is high, the stock market is down, and the news is looking scary. What do you do? If you’re looking for advice from an experienced and successful investor, who better than Warren Buffett? We dive into what Buffett does during times of inflation and market uncertainty. In short, it’s quite simple actually.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Resources:
https://www.investopedia.com/articles/markets/041714/how-warren-buffett-made-berkshire-hathaway-worldbeater.asp
https://www.advisorperspectives.com/articles/2022/10/25/what-would-warren-buffett-do
https://www.bls.gov/cpi/latest-numbers.htm
https://en.wikipedia.org/wiki/Paul_Volcker
https://www.berkshirehathaway.com/letters/letters.html
Two years ago, die hard cryptocurrency believers would’ve told you that you were stupid for doubting that digital coins were going to be the future of money… Well, how about it now, eh? Jeremiah hits the air solo and talks about the fall of FTX, one of the largest cryptocurrency exchanges. What to do with your coins going forward, the risks of investment manias, and long-term planning. Also, FSAs, taxes on capital gains, and end-of-year tax planning in the show’s second hour.
Host:
Jeremiah Bates, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
As financial advisors, the biggest financial hits you'll take are when it comes to making bad tax decisions. For example, what would happen if you checked the "traditional" box within your 401(k) instead of the "roth" option? Brian explains why finding tax efficiencies is crucial to financial success. Plus, our colleague, Diane Wilson with mysocialsecurityanalyst.com joins via phone to talk about Social Security. What changes are to come, taking SS early, spousal benefits, and more!
Guest:
Diane Wilson
www.mysocialsecurityanalyst.com
Host:
Brian Wiley, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Fall, what a beautiful time of year… I know that it may be tempting to curl up by the fire and relax as the temperatures drop, but this is GO TIME! As the end of 2022 gets closer, there may be some important financial moves that you need to take advantage of while you can. Nic gives three things to pay attention to during November and December.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
For this shortened show, co-hosts Nic and Alex discuss midterm elections, politics, market behavior, and end-of-year tax planning. With the midterm elections coming up, how can we expect the market to react? As historical data shows, pretty well. And as the holidays approach, it’s time to consider meeting with your financial professionals to make sure everything is handled before the craziness begins!
Hosts:
Nic Daniels BFA™, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
We've all heard of the Chinese knock-off products that flood the street markets. Fake Gucci purses and the Nike shoes. But what about knock-off artificial intelligence? China is using technology from U.S. companies to form their own technologies – Something we are not too fond of. In fear of losing the technological upper hand, the United States' chip sanctions aim to stop just that.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Inflation, rising interest rates, bear markets: Words that soon-to-be retired folks could find scary. Brian and Nic talk about dealing with the current market’s roadblocks while approaching your golden ages. Changes in Social Security and how to make the most of your fixed income.
Hosts:
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Last week, Social Security gave a 8.7% increase in benefits for the year 2023. It will add on at least $140 per month, in other words, one tank of gas for your truck. Nic goes ever the updated maximum taxable earnings, exemptions, benefits, and more. Rand Paul’s 2021 Festivus Report shows us just how much money the U.S. government wasted – so is there a better way to supplement our Social Security shortage? And don’t forget – it’s Roth Conversion season!
Sources:
https://blog.ssa.gov/social-security-benefits-increase-in-2023/
https://www.ssa.gov/news/press/factsheets/colafacts2023.pdf
https://www.heritage.org/taxes/commentary/1-chart-how-much-the-rich-pay-taxes
https://www.paul.senate.gov/sites/default/files/page-attachments/Festivus%20Report%202021_0.pdf
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Jeanine Barkan, a colleague and business exiting expert, joins Kent for a second episode to answer the question: Where do I start? She explains the important of businesses performing a SWOT analysis, keeping important documents within reach, and other factors that determine the market value of your business. Name rebranding and more. Stay tuned for part three with Jeanine!
Guest:
Jeanine Barkan, CVA, CEPA
https://www.myexitus.com/services
Host:
Kent Owings AWMA®, Wealth Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Bonds have been hit hard this year. We’ve been battling inflation and other market uncertainty–Brian and Jeremiah explain bonds, why they’ve taken a beating, and how their secondary markets operate. Stealth inflation, RMDs, and much more. Have questions? Find us on our website and use the “Ask the Experts” feature to get in contact with our advisors. For free!
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Many business owners will have to experience a business exit at some point in their career. While an exit may seem as easy as just – well, exiting – many entrepreneurs will find that they missed out on the ability to choose. Jeanine Barkan, a professional partner of our advisory firm, joins Kent to explain how her company, Exitus, helps business owners make that next step. Are you looking to sell your business? Follow along in the coming weeks to hear more about Jeanine and how companies like hers can help.
Guest:
Jeanine Barkan, CVA, CEPA
https://www.myexitus.com/services
Host:
Kent Owings, AWMA®, Wealth Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Are your gold and silver investments not holding up like you thought they would? Brian and Alex talk about the steady value of the U.S. dollar and what it means to have a fiat currency. The stock market is looking less than beautiful, but does it really mean your investments have lost money? Alex explains realized vs. unrealized gains and losses. Finally, when it comes to investing, is it something you’re willing to do on your own or are you better off paying someone to take that risk for you?
Hosts:
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
If a school said that you’d be paying around $28,000 in tuition, you’d probably re-think signing those admission papers. Colleges around the nation are seeing a drop in registration numbers – but is it really THAT surprising? Free-market environmentalism, midterm elections, and a drop in the unemployment rate.
Resources:
https://www.aier.org/article/free-market-environmentalism-is-working-in-montana/
https://www.forbes.com/sites/michaelcannivet/2022/10/02/the-stock-market-has-risen-after-every-midterm-election-since-1950/?sh=17c654687c48
https://www.cnbc.com/2022/10/05/colleges-struggle-with-enrollment-declines-underfunding-post-covid.html
https://www.cnbc.com/2022/10/06/apartment-demand-fell-during-busiest-renting-season-realpage-report-says.html
https://www.cnbc.com/2022/10/07/jobs-report-september-2022.html
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
The founder of a local business consulting firm, Jake Blanchard, gives up some time to hang out with Kent to give his ideas on how business owners can take this upcoming recession head-on. Jake is a business strategy consultant and an avid podcaster here in the Boise Metro area – and a long-time acquaintance of Kent's. He shares his experiences as a consultant and gives his thoughts on what business owners and entrepreneurs should be looking at right now to make sure their business makes it through difficult times. When everyone else is fearful, get BOLD!
Guest:
Jake Blanchard, Strategy Consultant & Podcaster
https://www.jakeblanchard.com
https://deltaplife.com
Jake's Podcast: https://bit.ly/3EdSNHq
Host:
Kent Owings AWMA®, Wealth Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
This special show includes two fellow professionals and friends that our advisors have grown relationships with, each with their own area of expertise. In the first hour, Dave Perry joins Brian and Nic to give insight on the overall landscape of the real estate market. Buying with rising interest rates, current home prices, and reverse mortgages. "Marry the house, date the rate!" John McClure, the President and CIO of ProfitScore, gives us his background in risk management and the importance of investing correctly. What you should change and the future of our current recession.
Guests:
Dave Perry, Branch Manager, Academy Mortgage
https://academymortgage.com/about-us/team/daveperry
John McClure, President & CIO, ProfitScore
https://profitscore.com/team.php
Hosts:
Brian Wiley, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Talks around China usually have a fearful and uneasy undertone, mostly because the country has been seen as a threat to the United States in recent decades. But are they as big of a threat as we've been told? Especially in terms of their economic stability, we're not sure they can even handle their own. Nic discusses real estate, trade, and politics within China and how he thinks the future of their economy will unfold.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Talks around China usually have a fearful and uneasy undertone, mostly because the country has been seen as a threat to the United States in recent decades. But are they as big of a threat as we've been told? Especially in terms of their economic stability, we're not sure they can even handle their own. Nic discusses real estate, trade, and politics within China and how he thinks the future of their economy will unfold.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
The trend is your friend. Well, sometimes – but looking at what the stock market has done in the past can teach us some very valuable lessons about how to invest today. Nic shows why now would be the worst time to pull out your investment dollars. Since World War II, there have been five significant bear markets. Each having something in common with the others... Is this trend showing us that we're on the brink of recovery?
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
You're looking at the markets and your portfolio and asking, "What the hell is going on?" Can we blame it on one person or thing? Brian believes our nation has become too entitled... Right now, the stock market is exposing itself to everyone – showing us that there is opportunity everywhere. Brian and Jeremiah debate whether buying or leasing a vehicle is better and asks the same question when it comes to buying or renting a home. Plus, it's that time of the year where you should be asking your financial professional about what to do before January to maximize tax savings!
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Liz Truss and England follows suit with the U.S. and raises interest rates 2.25%, meanwhile unbanning oil fracking to combat their energy issues. Gold turns out to not be a great hedge against the market as many claim and Ford makes it more difficult for dealerships to sell EVs…
Resources:
https://www.marketwatch.com/story/gold-retreats-to-2-year-lows-as-investors-await-fed-decision-11663589737
https://reason.com/2022/09/20/fords-e-v-charger-mandate-shows-how-broken-dealership-laws-are/
https://www.reuters.com/markets/europe/bank-england-raises-rates-225-despite-likely-recession-2022-09-22/
https://www.dailywire.com/news/strengthening-our-energy-resilience-britain-ends-fracking-ban-will-become-net-exporter-by-2040
https://www.cbsnews.com/news/fedex-6-9-percent-rate-hike-2023/
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
You’ve worked your whole life to get to this point, so let’s not screw it up now! Nic gives six tidbits to think about as you near your final five to ten years of your working years. These tips relate to finances in one way or another, but they’re mostly pieces of advice to help make your retirement life as fulfilling as possible. Quality of life is the most important!
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
While Brian and Jeremiah are away on business, Nic and Kent talk everything from the volatility of the markets we've seen in 2022 to auto manufacturers trying to produce more EVs. Certificate of Deposits are starting to look attractive again, we wait for the Federal Reserve to announce interest rates, and the world deals with the international energy crisis.
Hosts:
Nic Daniels BFA™, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
It’s inflation season! And you know it’s bad when Certificate of Deposits start to look tempting… Large companies continue to layoff employees, food prices jump more than 10% from last year, and many wonder what’s next. At least we’re bringing chip manufacturing back to the United States?
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
What is the September Effect? While there are non-believers in the theory, it is undoubtedly a phenomenon to look at and be aware of. Kent Owings explains why these trends may occur during the last quarter of the year and what it may look like for the months of September through December of 2022. Will these things affect you much? It depends on your strategy.
Host:
Kent Owings AWMA®, Wealth Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Nic gives a brief update to what's been added to the bipartisan EARN Act.
Resources:
https://www.finance.senate.gov/chairmans-news/wyden-crapo-introduce-bill-to-bolster-retirement-savings
Hosts:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Minimum wage is a topic that seems to continue with time. As cost of living increases and general inflation soars, does it need to constantly be raised to keep up? Remember, a fair wage needs to also be fair to the employer. In the second hour, Brian totally fixes the retirement system. The only thing stopping him? The U.S. government.
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Whether you lost a spouse earlier in life or you’ve just had a hard time finding the right person, you may find that you want to marry someone in your retirement years. We’re no gatekeepers of love, but does it make financial sense to get married so late in life? You may be surprised by the fact that Uncle Sam isn’t any easier on the old and in love.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Opportunity zones are a great way to put your investment cash into something that directly affects the communities that lie within these zones. While these could be considered controversial, it can be a way to help diversify your portfolio for the right investor.
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Broadcasted live on September 3rd, 2022.
Hosts:
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Credit card balances have reached 20+ year highs. That’s crazy! What’s the cause? Higher costs of living or the urge to spend after two years of lockdowns? The one thing we do know, is to pay attention to your credit card rates and incur your debt wisely.
Resources:
https://www.cnbc.com/2022/08/05/credit-card-usage-surges-amid-record-inflation.html
https://wallethub.com/edu/cc/credit-card-landscape-report/24927#interest-rates
https://www.cnbc.com/2022/08/02/credit-card-balances-jump-13percent-as-inflation-outpaces-wage-growth.html
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Credit card balances have reached 20+ year highs. That’s crazy! What’s the cause? Higher costs of living or the urge to spend after two years of lockdowns? The one thing we do know, is to pay attention to your credit card rates and incur your debt wisely.
Resources:
https://www.cnbc.com/2022/08/05/credit-card-usage-surges-amid-record-inflation.html
https://wallethub.com/edu/cc/credit-card-landscape-report/24927#interest-rates
https://www.cnbc.com/2022/08/02/credit-card-balances-jump-13percent-as-inflation-outpaces-wage-growth.html
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Have you seen how much new cars are selling for now-a-days?! There’s no wonder why people are reconsidering making that next major purchase. And it doesn’t just apply to vehicles! With the current economy, it’s not easy for the majority of us to spend thousands on something or risk a career change. How has your spending changed this last year?
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Have you seen how much new cars are selling for now-a-days?! There’s no wonder why people are reconsidering making that next major purchase. And it doesn’t just apply to vehicles! With the current economy, it’s not easy for the majority of us to spend thousands on something or risk a career change. How has your spending changed this last year?
Host:
Nic Daniels BFA™, Financial Advisor
Find Us:
https://www.therealmoneypros.com
https://www.treecityadvisors.com
As inflation rises, the Federal Reserve is staying busy to try to bring us back down. But are they doing their job effectively? Are they doing their job at all?! Alex and Brian talk about Biden's plan to relieve student loan debt and whether or not giving away "free" money is the best route to take. As you've gotten older and become more experienced at life, what are some of the financial lessons you learned as a young person that helped shape your money habits today?
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
If you didn’t have to pay back student loans before, NOW YOU DO! Congrats! Europe is slowly, but surely figuring out how to become less dependent on Russian oil and Americans aren’t going to stop ordering french fries with their meals anytime soon. Can California fulfill their promise on banning the sale of gas-only vehicles by 2035? Your week in review!
Resources:
https://www.wired.com/story/russian-gas-europe/
https://www.theguardian.com/world/2022/jul/28/german-cities-impose-cold-showers-and-turn-off-fountains-in-face-of-russian-gas-crisis
https://www.cnbc.com/2022/08/25/irs-refunding-1point2-billion-in-late-filing-fees-for-nearly-1point6-million-.html
https://www.cnbc.com/2022/08/24/biden-expected-to-cancel-10000-in-federal-student-loan-debt-for-most-borrowers.html
https://www.tker.co/p/fry-attachment-rate-lamb-weston?triedSigningIn=true
https://www.barrons.com/livecoverage/jackson-hole-fed-jerome-powell-speech
https://www.latimes.com/environment/story/2022-08-25/california-poised-to-ban-sale-gas-powered-cars-2035
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
If you didn’t have to pay back student loans before, NOW YOU DO! Congrats! Europe is slowly, but surely figuring out how to become less dependent on Russian oil and Americans aren’t going to stop ordering french fries with their meals anytime soon. Can California fulfill their promise on banning the sale of gas-only vehicles by 2035? Your week in review!
Resources:
https://www.wired.com/story/russian-gas-europe/
https://www.theguardian.com/world/2022/jul/28/german-cities-impose-cold-showers-and-turn-off-fountains-in-face-of-russian-gas-crisis
https://www.cnbc.com/2022/08/25/irs-refunding-1point2-billion-in-late-filing-fees-for-nearly-1point6-million-.html
https://www.cnbc.com/2022/08/24/biden-expected-to-cancel-10000-in-federal-student-loan-debt-for-most-borrowers.html
https://www.tker.co/p/fry-attachment-rate-lamb-weston?triedSigningIn=true
https://www.barrons.com/livecoverage/jackson-hole-fed-jerome-powell-speech
https://www.latimes.com/environment/story/2022-08-25/california-poised-to-ban-sale-gas-powered-cars-2035
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Starting next year, the Biden Administration plans on implementing a 1% excise tax on a company that performs a stock buyback or share repurchase. The plan is to raise $74B over the next ten years by enforcing the tax. Will it work, or will companies find another way to return cash to its shareholders?
Resources:
https://www.cnbc.com/2022/08/19/what-stock-buybacks-are-and-how-a-new-tax-affects-your-portfolio.html
https://www.usnews.com/news/business/articles/2022-08-16/companies-facing-first-tax-on-stock-buybacks-in-biden-bill
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Making mistakes is inevitable, but don’t make them often! Minor financial mistakes that you make now, have the potential to have great repercussions as time goes on. Be sure to work with a professional! Brian learns what “woke” means and it sparks the conversation of how political views often bleed into your investment strategies. Beware – opportunities live on both sides…
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
87,000 new IRS agents were hired – for what?! The bigger question we should be asking, is “for whom”? Crypto hackings continue, skyrocketing the amount of money lost within investors’ crypto wallets. Companies continue to lay off their workforce, Turkey slashes interest rates despite ridiculously high inflation, and we learn that our kids are costing us a fortune.
Resources:
https://www.heritage.org/budget-and-spending/commentary/fact-checking-team-biden-who-those-87000-new-irs-agents-would-audit
https://www.reuters.com/markets/us/losses-crypto-hacks-surged-60-19-bln-jan-july-chainalysis-2022-08-16/
https://www.cnbc.com/2022/08/17/crypto-broker-genesis-slashes-20percent-of-workforce-and-announces-ceo-exit-.html
https://www.cnbc.com/2022/08/18/turkey-surprises-markets-with-rate-cut-despite-inflation-near-80percent-.html
https://www.reuters.com/business/retail-consumer/furniture-retailer-wayfair-cut-870-jobs-2022-08-19/
https://www.wsj.com/podcasts/minute-briefing/inflation-pushes-the-cost-of-raising-a-child-to-above-300000/24418493-9ad8-4c0f-90d9-10afac10db2a
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Frequently asked questions – answered! Many of you have been asking about Roth IRAs, so Nic dives in to give you all some clarity. He explains what a contribution is, its limits, and more. Roth conversions, tax implications, and everything else you need to know!
Resources:
https://taxfoundation.org/2022-tax-brackets/
https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2022
https://www.irs.gov/retirement-plans/plan-participant-employee/2022-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work
https://www.irs.gov/retirement-plans/plan-participant-employee/2022-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-not-covered-by-a-retirement-plan-at-work
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Is China still the big and intimidating country we thought it was becoming? We don’t know what they have up their sleeve when it comes to taking control of Taiwan, but we do know that a full scale invasion could mean trouble for their already-rocky-economy. China’s recent infrastructure development failures may be all we need to see to answer that question…
Sources:
https://www.city-journal.org/chinas-increasingly-fragile-economy
https://danieljmitchell.wordpress.com/2022/07/25/in-one-chart-everything-you-need-to-know-about-china/
https://247wallst.com/special-report/2022/07/22/foreign-countries-that-own-the-most-u-s-land/11/
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
When you’re young, recovering from financial mistakes can easily be done. But when you’re aging closer to retirement, not so much. Brian and Kent give out cautionary flags regarding the sales of annuities and other similar products. Also, attorney Steve Rausch joins in via phone to discuss designing trusts and proper estate plans.
Brian Wiley, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
The meditation app Calm lets go of 20% of their employees. At least they can use the app to cope? EV trucks are becoming more expensive due to battery manufacturing costs, Pfizer expands into other companies, and the financially elite focus their attention back on the stock market.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
During a rocky and uncertain economy, annuity sales reach new records. At the base of it all, it comes from selling fear. A trade of mediocre gains for “guaranteed” income. Nic explains why these usually aren’t your best tools for retirement saving.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
If you want to start learning how to ski and expect to be a world champion in the next year, you’re highly mistaken. Financial success is based on setting realistic expectations and implementations. Don’t understand crypto or real estate? Don’t invest in it! Plus, Brian and Jeremiah pose the question: What can employers do to better retain their employees?
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Blackrock and Coinbase cut a deal this week. Good for them, but hopefully Blackrock knows what they’re doing… It has NOT been a secure week for crypto! The VA has thousands of dollars worth of unused electronics stuck in a warehouse and Elon Musk seeks to earn more capital from investors.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
The Inflation Reduction Act aims to do just that. Reduce the amount of inflation. But will it work? The bill highlights its goals to tax the rich and large corporations, but a deeper look shows that it may affect everyone…
Resources:
https://americansforprosperity.org/inflation-reduction-act-facts/
https://www.finance.senate.gov/imo/media/doc/jct_distributional_effects_inflation_reduction_act.pdf https://www.marketwatch.com/story/whats-in-and-out-of-democrats-739-billion-inflation-fighting-package-01658980250?siteid=yhoof2 https://www.politico.com/news/2022/08/02/income-minimum-corporate-tax-deal-00048929 Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
A few years ago, you were probably feeling very confident. Your retirement accounts were looking great and you may have gotten comfortable. Then, BOOM! Recession. When the markets are good and healthy, what can you do to mitigate risk and protect your gains? We talk divorce and its impact on finances, the Mega Millions jackpot winner, and more.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
This week has been a somber one. No, not because of inflation, rising interest rates, or the lack of world peace… Worse. THE CHOCO TACO IS DEAD! And this week, Old Man Nic learned that millennials may not be so dumb after all.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Nic explains what it means when you hear about the value of the U.S. currency and how it compares to others across the world. Plus, how the value of our currency can either create opportunity or financial hurdles.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Nic explains the rules to Custodial Minor Roth IRAs and the benefits that they can have for minors. If your child is under 18 and has earned income, this can be the perfect way to teach them about tax-free growth and the importance of saving money for retirement!
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Expectations. Set them and set them realistically. Set yourself up for success! American workers not filling entry-level positions are forcing large companies to replace them with robotics. Account rebalancing, setting up retirement accounts for your business, and other financial advice.
Jeremiah Bates, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Just when the energy crisis needed a hero, nuclear power plants started to shut down to save the lives of local fish… While ethical, it still sucks. Oh, and if you’re needing some health services, go no further than your nearest Amazon Health Clinic!
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
We got a question from one of our faithful listeners regarding Medicare and its ability (or non-ability) to cover long-term care expenses. Medicare vs. Medicaid and what they cover can get very deep into the weeds. That means if you don’t do your research thoroughly, you can end up in big financial trouble.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Our past experiences determine how we will react to current and future situations. If you clearly remember 2008, how has that experience changed the way you use your money in today’s economy? Brian and Nic talk about what they would’ve done differently if they could do it over again. Plus, think about keeping opportunity cash on the side…
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Recession, blah, blah, blah… Electric vehicles. Real estate, stock market. But what about the important news? Costco hotdogs and a soda will remain $1.50? Now that’s what we want to hear!
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
It’s summer! You’re out on the lake, hanging with friends, getting a tan – NOT thinking about taxes! But, while you’re out soaking in the sun, there are ways you can save on taxes come April…
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Yes, the housing market can be a little crazy right now, but it’s not impossible to get into your first home. Nic brings you five super important things to take care of BEFORE you apply for that loan. Don’t become house poor!
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Broadcasted live on July 9th, 2022.
Brian Wiley, Financial Advisor
Jeremiah Bates, Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Oh, guess what? While you’re paying an arm and a leg at the gas pump every few days, oil from our reserves are being sent overseas! Crypto companies are taking huge financial hits, states are handing out money, and the energy crisis continues on.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Semi-conductor manufacturing continues to be one of the largest roadblocks in the supply chain. Do you think the U.S. can find a way to be totally or mostly self-reliant when it comes to chip manufacturing? It will take more than just a government initiative to get it started.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Lately, everyone has been afraid of the "R" word... A recession. Right now, it's hard to accurately predict how long it will last or how far down we'll see the markets go. Over the 4th of July weekend, Nic and the crew talk about developing financial grit and the process of changing your behaviors when it comes to spending and saving money.
Nic Daniels BFA™, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Growth stocks are looking grim, CPA's are cheating on their final exams, falling vehicle quality, and supply chains.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
As Secure Act 2.0 moves forward, we are going to see more and more updates along the way. Today, Nic gives us the most recent updates on the retirement-focused legislation as of June 2022. Raised RMD age, student loan debt relief, penalty-free early withdrawals, and more.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Broadcasted live June 25th, 2022.
Jeremiah Bates, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Are we headed into a recession? That’s the big question you’re hearing everyone talk about. Brian and Jeremiah gives tips on how to prepare for down markets and the importance of digging for the opportunities.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Phew! It's looking rough out there right now, folks. The markets are taking a beating, the crypto sector is having a crisis – what do we do?! Well, we stay calm! These drops in the market is nothing the world hasn't seen before. Your advice for this week? Stay the course.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
If you’re looking for dividend-paying investments to supply fixed income in retirement, here are some things you should know! When you watch the news and hear that your bond’s yield has dropped, don’t fret! It’s not what you think it may mean.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
No, no – we're not transitioning into a wilderness survival podcast! Although Nic loves the outdoors, he's here to give advice on how to survive a bear market. Since this isn't the first, nor last time we'll see one, here's some advice to give you the best leg up that you can give yourself when the markets start to look scary.
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
When you go out and get gas before work and buy groceries for dinner, how bad are you feeling the effects of inflation? Brian and Alex discuss ways to respond effectively and how to invest and prepare for situations like these. In the second hour, they touch on how to pass on your selling business and how to make sure the person who takes over will do it right.
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
While Nic is out and about this weekend, Kent steps in to give you his weekly wrap up! And if you've paid any attention to the markets today, there's no need for an explanation...
Kent Owings AWMA®, Wealth Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Johnny Russell from Fairly Reliable Bob's, a staple dealership in Boise, joins Nic in this podcast to answer all questions regarding the auto industry. Financing, supply shortages, new vs. old, and more. Contact Johnny for vehicle sales by visiting their website below!
Johnny Russell, Sales Manager
https://www.fairlys.com
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
Compared to the booming real estate industry we had just a year ago, things are already looking to slow down. Brian and Jeremiah toss around ideas of how our current economy is different than it was in '08 and '09. Do we change our habits or do we simply stay the course?
Brian Wiley, Financial Advisor
Jeremiah Bates, Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Oh man, where do we even start? Automotive experts are certain electric vehicles are the future, governments are getting involved with cryptocurrency, manufacturing woes, and failing fund managers. Your week in review!
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
Priorities: The first things you may think of are your children. But what most people won’t tell you is that it’s ok to focus on yourself first! And it’s especially true when it comes to funding your retirement. Nic explains why your retirement should be your main focus…
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
After three years, the IRS decided to finally clarify the rules that pertain to non-spousal inheritance of Traditional and Roth IRAs. More specifically, how those beneficiaries are to distribute those funds within those IRAs after taking possession. The Secure Act 1.0 was enacted in 2019! So much for efficiency...
Nic Daniels BFA™, Financial Advisor
https://www.therealmoneypros.com
https://www.treecityadvisors.com
On this Week in Review episode, Nic wanted to focus on what really matters. And no, it’s not money. After reflecting on this week’s tragedy and those that came before, we should just stop for a minute and give thanks. Make sure that the ones closest to us feel loved and appreciated.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Will bond markets in the U.S. go up? Nic explains why he thinks money is going to be flowing into them soon. With our battle against inflation, it may be a recipe to push more investors to store their money inside of U.S. bonds.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The supply chain bottleneck is very apparent in the automotive industry. The prices of used cars are becoming so outrageous that some model years are MORE than what they were brand new. So what would stop you from choosing new instead of used?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What a wild ride we saw this last week in the markets! What was your reaction? Brian and Alex, our seasoned veterans in the industry, have almost seen it all. And this – well, really isn't that different.
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Well, since everything else is getting more expensive we might as well have higher phone bills, too! Defense companies are landing contracts with the U.S. government to replace resources we've sent to Ukraine and countries are starting to ban food exports. And the markets? Let's not even mention it...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
You're looking to buy a home, but not exactly sure which route you want to go when it comes to your loan options. Fixed or adjustable rates? Nic gives his opinion based on his experiences. It may be best to just lock in that rate...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Market performance has been rough this past month! You can either blame the world or you can become opportunisitic. What could you take advantage of while the numbers are down? An Estate Planning Attorney joins Jeremiah for the second hour to give tips on how to protect your family and your assets after an untimely death.
Steve Rausch, Attorney
www.capitalcitylawoffice.com
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
What's causing inflation? All of that dang money you guys keep spending! Crypto has been taking a huge hit, along with the rest of the market. Fake college students, celebrity brawls, and more!
Free Internet:
https://www.fcc.gov/acp
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Social Security was once something that you could rely on when it came to earning income in retirement. Now... not so much. With inflation and the cost of living in our current day, we need a fix. And fast!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Diversification this, diversification that. But what does it actually mean and why is it so important for long-term investing? Just because you have money in many different mutual funds, it doesn't necessarily mean you're truly diversified.
Source: https://www.callan.com/periodic-table/
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Brian and Nic talk about everything related to our current housing market landscape. Rising interest rates, home equity lines of credit, and more. Like the wisest investor of all time said, if you don't understand it, don't invest in it! Crypto digital assets and caller questions.
Brian Wiley, Financial Advisor
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Are the markets crazy? Or do they just have many personalities? We ditch our typical Week in Review episode this Friday to bring in our colleague, Kent Owings. Nic and Kent talk about some of the reasons why the markets so often swing back and forth.
Nic Daniels BFA™, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Will the U.S. ever become the "King of Conductors"? While New York now has a brand new facility, it won't nearly be enough to fix the supply chain issue...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What the heck is happening to my money right now? That's a question we've all asked ourselves after the past few months. Well, it's really not THAT surprising when you consider the fact that we're still making our way out of the pandemic.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
You've created a business and ran it successfully (hopefully) for years. You're getting older or you're getting bored and want to do something else. But you can't exactly just quit, so what's your exit strategy? Jeremiah and Brian talk about selling or buying a business and other tips on how to run one.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Screw renewable energy – lets go back to the good 'ol days! COAL! If you have a 401(k) with Fidelity, you'll soon be able to have up to 20% of your account invested in Bitcoin. Rhode Island democrat wants to financially penalize the unvaccinated and much, much more for your weekly review.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Financial literacy, especially within the Armed Forces, is declining! What does that mean and what could be the cause? Follow the link below to see how you fare against the U.S. military when it comes to financial knowledge.
Take the quiz: https://grow.acorns.com/8-question-financial-literacy-test/
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
It's not often that we're able to guarantee anything due to the industry we work in. But if you're looking for a short-term investment to park your cash in, consider I-Bonds! And if you lock them in by April 28th, you're going to be looking at a 8.54% return.
Nic Daniels BFA™, Financial Advisor
https://treasurydirect.gov
www.therealmoneypros.com
www.treecityadvisors.com
Taxes were paid last Monday! Or at least should have been... Brian explains why next time, you might just want to skip out on paying on your estimated taxes. Interest rates, bonds, and fiduciary rules. Also, what are the benefits and drawbacks of being self-employed?
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The energy crisis continues! Corn prices are at a 9-year high, European countries are building long extension cords, and no one can seem to get away from Russian oil.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Divorce can be tough as it is... So let's try to remove as much financial stress as we can! Nic gives you 12 different things to pay attention to while you go through this difficult part of your life.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If you're on the hunt to buy a house right now, you know just how cutthroat the market is. It's TOUGH out there! Even more so knowing that interest rates are higher than they were just a year ago... Nic explains what rising interest rates mean for the future of the housing market.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
No matter what, we all have choices! It's especially true when it comes to our finances. While Brian was getting a well needed break, Alex and Nic take a hold of the ship. They talk about staying consistent with positive financial choices. Prepare for the future, but also enjoy the money you make – it's yours!
Alexandra Lundgren AIF®, Financial Advisor
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Tomorrow is Good Friday, the markets are closed, and we get a three-day weekend! By the end of the summer, Biden haters may end up loving the cheaper gas prices... Plus, Rivian releases a near $200K luxury EV and Elon Musk offers billions to take Twitter private. Happy Easter!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Most European countries have been the most progressive and the loudest when it comes to using renewable energy. While their legislations would lead you to think they're ready to make these changes, their reliance on Russian oil is now the most apparent. Will Europe and the rest of the world be ready to make the switch before it's too late?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
During this time of the year, we're always prepared to pay some taxes. But THIS much?! Not what you were expecting. Jeremiah and Brian touch on other topics such as trusts and estate planning, Secure Act 2.0, and answers to caller questions.
Brian Wiley, Financial Advisor
Jeremiah Bates, Advisor
www.therealmoneypros.com
www.treecityadvisors.com
So, you might want to quit your job now and go to Walmart... Drive a truck and earn a $100k salary? Sounds good to me! Crypto bailouts, NCAA Championship, SHEIN clothing, and more!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What's the difference between Transfer on Death (TOD) and adding beneficiaries? Nic has for you a short and sweet podcast to help define what each of them mean.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
We hear lots about the Federal Reserve and how they're going to reduce or raise interest rates. But what about their balance sheet? Looking at the Fed's balance sheet gives us more details to the story about how their actions affect our markets.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If you had the means to totally pay off your home, would you? Or, could you live with the debt of a mortgage? There are times when the calculator doesn't accurately represent what's best for you! Reverse mortgages, jumbo loans, caller questions, and more.
Brian Wiley, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Cigarettes? So 1960. Walmart is now starting to stop the sale of tobacco products in certain states. Crypto heists, oil manufacturing, retirement savings, and more.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Biden’s “Billionaire Minimum Income Tax” won’t affect the majority of Americans. Definitely no one that listens to this podcast! Nic talks about the near $5.8 trillion budget request by the Biden administration and what the budget will be spent on.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Imagine this: You find out about target date funds, you think they'd be a great option for you, you feel great about saving for the future. BOOM. You're hit with an unexpectedly high tax. For those who held Vanguard's target date funds in their non-qualified accounts actually lived that reality...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Broadcasted live on March 26th, 2022.
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Sometimes saying nothing at all speaks the loudest. Xi Jinping is standing behind Russia while they wage war on Ukraine. Is there anything China can do to re-attract global investors to put their money back into the country?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Recently, Nic had a client (that remains unnamed) who decided to make a huge decision based off of their emotions. The result? A loss of hundreds of thousands of dollars.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
As history has shown, the markets will always have rocky years. So when the next bear market comes, don't fret. You'll survive! Companies that have overcome adversity, dollar-cost averaging, pensions, and more.
Brian Wiley, Financial Advisor
Jeremiah Bates, Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Warren Buffet is now the 5th richest man in the world, the rich got richer, and in 2021, a million more millionaires were created. And for us "normal" folk? Well, Amazon bought MGM Studios. Maybe we'll get another James Bond movie?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
You've probably heard this many time, but if you're new to investing, you may not be very familiar! When someone says to "buy the dip", what do they mean? In the current state of our market, you may want to know this. Like NOW.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If resources and products weren't hard enough to get already... This new conflict in Ukraine definitely isn't helping. How will the war affect businesses, suppliers, and manufacturers moving forward?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Reach your goals regardless of the current state of the world! Brian and Jeremiah discuss inflation, the Russian/Ukrainian conflict, and rising gas prices. How to jump the financial hurdles that may come – all with a little peace of mind.
Brian Wiley, Financial Advisor
Jeremiah Bates, Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The war in Ukraine is doing more than just terrorizing the citizens of the country. We are feeling the effects EVERYWHERE around the world. Nic talks gas prices, semiconductors, cryptocurrency, and much more!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
News outlets have released articles stating that President Biden plans to use his executive power to add oversight to cryptocurrencies. In many cases, regulations are necessary. But when it comes to crypto, wouldn't that defeat its intended purpose?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Before Nic dives into the five most common income strategies in retirement, he highlights the importance of the sequence of returns when taking income in retirement. The order of which they occur matters! Greatly!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Inflation, Ukraine, Russia, gas prices! The perfect topics to use to generate fear in return for financial gain. Don't be fooled! "Boring" investment strategies are usually best. And much, much more!
Brian Wiley, Advisor
Nic Daniels BFA™, Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What a crazy time we're in... Terror and destruction in Ukraine, huge inflation, and a 3-ton piece of junk aimed to hit the moon sometime today. Your weekly review!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Also known as the Society for Worldwide Interbank Financial Telecommunication. We'll just call it SWIFT... Well, what is it and what role does it play when it comes to the current situation in Ukraine? Nic gives a short and sweet definition!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Confused about what sanctions are and what they will mean for Russia? Nic gives a quick explanation.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Brian and Alex dive into the Ukrainian/Russian conflict and give you advice on how NOT to play into the fear that Putin is creating. They give examples of bad moves and good moves that are made by investors when major events like this happen. What are the best things you can do? Stick to your strategy and stay calm.
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.treecityadvisors.com
www.therealmoneypros.com
While we're not trying to downplay the current situation in Ukraine, what we're trying to say is this: Don't panic. This isn't the first crisis and it won't certainly be the last. Nic gives examples of how the markets have historically reacted to major events.
Source: https://bit.ly/3JSVRZ2
The information included in this material has been taken from other sources considered to be reliable. We do not represent that this information is accurate and complete, and it should not be relied upon as such.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
By now, we've all heard it. Being fearful and uneasy in these kinds of situations is normal and totally acceptable. However, your reactions may not be. Brian steps away to give his best financial advice in response to the conflict.
Brian Wiley, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
At a glance, Mutual Funds and Exchange Traded Funds (ETFs) may look very similar. One isn't necessarily better than the other, but it's important to look at the expense ratios and historical performances of each. Nic gives some example of why you MAY want to put your money into ETFs rather than mutual funds...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If you've shopped online recently, you probably noticed a couple of buttons during checkout that mention Affirm or Uplift. Buy now, pay later is becoming more popular, especially when it comes to planning vacations. Is this something that could work for or against you?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Russia, Ukraine, gold, fear, markets, inflation... Just a few of the words we're hearing everyday. How will you financially deal with the current conflict?
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Hey young people! Guess what! While you're struggling to find affordable housing and pay bills, there are people paying millions for virtual land! Plus, everything you need to know about this last week.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
So many things change in life and those changes come often. We move states, change careers, or get laid off from our jobs –– possibly leaving thousands of dollars in employer retirement accounts! Could you be the lucky one to be owed $1M?
Resources:
www.efast.dol.gov
unclaimedretirementbenefits.com
freeerisa.benefitspro.com
https://bit.ly/3523s8m
https://bit.ly/33pp5PA
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The Department of Labor's Investment Advice Rule is seeming to bother some insurance agents and agencies. Why? Well, being forced to act in a fiduciary manner isn't always best for a salesman's commission wallet...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Today's theme: BUYER BEWARE! Nic shares news from this week that teaches us consumers a valuable lesson. Everything from dealership markups to old ladies getting conned out of their money.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com www.treecityadvisors.com
Disclaimer: This is satire! Please do the exact OPPOSITE of what Nic tells you to do in this episode. He gives some examples of things that you should NOT do if you want to have an enjoyable retirement.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Brian and Alex start off with what this week in the markets looked like and how to manage investment risk and emotion. At our firm, we act as fiduciaries, always giving the client the advice that's best for them – not for our wallets. Some ways to use fiduciary rules to benefit you the most!
Brian Wiley, Financial Advisor
Alex Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Your Week in Review! But where's Nic? Luckily, Brian and Alex were in the studio recording our broadcast show for tomorrow, so this isn't your usual weekly review. They talk about what happened in the markets, FAANG stocks, and more!
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Gone are the days of parking your money in short-term CDs and earning 6%... However! There are some options that are similar. Defined Outcome ETFs – and they're exactly what they say they are! With any investment, do some research and see if it's right for you and your financial situation.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
We always hear about chip shortages, but how short are we really? Oh, only 5 days worth of product? Regardless of supply chain issues, Apple has broken revenue records during the last few months! The retirement of Stephen Breyer and more.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Imagine you're on a trip. You have a suitcase that you checked with the airline, a carry-on that you put above you, and a personal bag that you keep underneath the seat in front of you. You separated your items based on when you'll need them during the flight. The same should go with your investment buckets!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What is insider trading and why is it illegal? Alex and Brian discuss the nuances of the law and explore the gray areas of what situations can facilitate insider information. In the second hour, Jeremiah Bates (our millennial advisor in the office) helps explain what cryptocurrency is, how it works, and if it'll ever actually be considered a currency.
Brian Wiley, Alexandra Lundgren AIF®, Jeremiah Bates
Financial Advisors @ Tree City Advisors LLC
www.therealmoneypros.com
www.treecityadvisors.com
As COVID is running rampid through our office, Nic is still bringing your weekly review from home! Bitcoin's pricing has fallen, airlines are complaining about 5G, and rising interest rates. Stay healthy, everyone!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If you own a home and have owned it for a decent amount of time, your property value has most likely increased. If that's the case, you NEED to review and possibly update your home's insurance policy. Since the value of the home has gone up since you bought it, you need to make sure that the insurance matches that increase. Call your insurance company today!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Remove your emotions from your investing! We say it all the time, but we can't stress it enough. So that's why we brought in John McClure from ProfitScore Capital Management – to talk about being strategic and disciplined when it comes to your investments. Learn more about what ProfitScore does in the link below!
Brian Wiley, Financial Advisor
www.therealmoneypros.com
John McClure, President & CIO
https://profitscore.com
If you're close to retirement or are already retired, there's great news! Large pensions are close to being funded 100%, which is the healthiest they've been since 2008! What else happened this week? The U.S. became the top exporter of liquid natural gas, investors put more than $30B into stocks, and more.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
No one knows or expects death, so don't be surprised if you do! And if that happens, you want to make sure that the beneficiaries are properly set up on all of your accounts. Nic Daniels gives you some examples of accounts that you want to check off your list... BEFORE it's too late!
Download the checklist here: https://bit.ly/3rgls6q
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
In the first hour, Alex joins Brian to explain how to properly set up a trust and pass on your estate in preparation for your death. They highlight the importance of setting up beneficiaries and reviewing every detail to make sure that your family doesn't end up in probate court. Nic then sits with Brian to give you some tips on how to approach your investments in 2022!
Brian Wiley, Alex Lundgren, and Nic Daniels BFA™
Financial Advisors @ Tree City Advisors
www.therealmoneypros.com
www.treecityadvisors.com
What happened during our first work week of 2022? Besides accidentally writing 2021 on our checks, it was a big week for alcohol! Major beverage companies moving to canned cocktails, Toyota replacing GM as #1, and the Elizabeth Holmes conviction. Would you try an alcoholic Mountain Dew?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
It's our first official podcast of 2022! Our elders always told us when we were kids to learn from our mistakes, so why stop now? Nic kicks off this year with six financial things that we all learned from 2021 that we need to make sure we remember in 2022. We're not always aware of them when we do it!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Happy New Year! What a better way to kick off 2022 than to give you the best financial advice that can be implemented into your plan right now. Brian and Jeremiah talk about the Bucket Strategy and the Modern Portfolio Theory. Diversification, time, and the strategies to beat our country's current inflation.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Your FINAL Week in Review for 2021! What happened this week? Well, it seems like to mostly be good news. Unemployment claims are nearly what they were before the pandemic started, the big companies got even bigger, and cryptocurrencies left most people with FOMO. We'll see you next year!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
It's our final week in the year 2021 and Nic Daniels gives you ten bits of financial advice to take with you into the New Year. What else are you going to be doing next year to boost your finances?
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Due to the markets being closed on Christmas Eve, we give your weekly review a day earlier than we usually do! Rand Paul, oil consumption, inflation, Build Back Better Plan, and more. We hope you have an amazing Christmas! 🎅
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The week before Christmas brings lots of joy, family, and friends. This time of the year may be one of your slowest or it could be the busiest, but don't overlook some of the most important things going into the New Year! Nic gives you six things to pay attention to as you finish out this December.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The lowering of the value of the U.S. dollar, inflation at roughly 6.2%, where to find good dividend-paying stocks, and much more. Tips on how to make the best out of your money by keeping as much of it as possible!
Brian Wiley, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If you're looking for a hot real estate market – it looks like Hawaii is the place to be right now! Deal volume is at an all-time high. Properties are also being bought up all over Turkey due to the decreasing value of their currency. Chinese companies and more!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
We know that this isn't the most fun topic to talk about, but it's real and could very well happen to any of us. We also know that the best way to protect your family financially against the death of a spouse is to have life insurance. But if you have to wait a couple of months until you're able to cash out on your policy, you may be in a little bit of trouble...
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The biggest financial news to hit the U.S. this week was the topic of inflation. What has caused such a large increase in a short period of time? Brian talks about what the numbers mean and the importance of staying ahead of increasing prices. Plus, Brian reads and answers your questions live!
Brian Wiley, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Here it is once again, your financial Week in Review! Jack in the Box, China, Evergrande, and U.S. inflation. What do you think was the most important thing that happened this week? 🤔
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Great job, you've fully maximized your Roth IRA's potential! That's an amazing start. Now, you're looking to put some more extra cash into accounts that will benefit you in retirement. Nic gives you some other options that will help you get the retirement you want, not the one you're stuck with!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Why are we so afraid of talking about our finances? Whether we're ashamed of the debt we've taken on or poor long-term planning, it can be hard to discuss money – even with our advisors! Brian, Alex, and Kent talk about the "Bucket Strategy" and how it is the basis to financial planning. If you're in the Fresno, CA area, be sure to come to our free workshop this week!
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
We are back with your weekly financial reviews after the Thanksgiving week! Chip shortages, the European markets, and Trump's very own social media company. The country of Turkey is seeing insane amounts of inflation and – you can get a Whopper from BK for $0.37? Everything important you need to know!
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
There are some things in life where having too much can't be a bad thing. And life insurance is one of them! Is your family being properly covered? Nic shares some recent experiences with clients and family where life insurance was the saving grace amongst death within these families.
Nic Daniels BFA™, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Happy Thanksgiving everyone! We start off the program by talking about the new strain of COVID-19, which is being called the omicron variant. We can only speculate what that could mean for the near future, so let's prepare for whatever comes. We explain dollar-cost averaging and give you some real life case studies that we are currently working with.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Today, we wrap up our mini-series around reverse mortgages with Anissa Franklin! Reverse for purchase. You'll learn some creative ways to tap into your home equity and utilize it in a way to fulfill your needs.
Anissa Franklin, Mortgage Loan Officer
www.primeres.com/afranklin
Nic Daniels, Financial Advisor
www.therealmoneypros.com
In the second part of the reverse mortgage series, Anissa Franklin helps us understand the ways that reverse mortgages can help you. And it's kind of like a Swiss army knife, there's more than one way they can benefit!
Anissa Franklin, Mortgage Loan Officer
www.primeres.com/afranklin
Nic Daniels, Financial Advisor
www.therealmoneypros.com
This is the first part to a three episode series that revolves around reverse mortgages. You may have heard these before, but let us clear the air around reverse mortgages and let you know that there can be huge benefits if it's right for you. Our special guest, Anissa Franklin, is a mortgage loan officer here in Boise, ID and is an expert when it comes to these.
Anissa Franklin, Mortgage Loan Officer
www.primeres.com/afranklin
Nic Daniels, Financial Advisor
www.therealmoneypros.com
As Thanksgiving approaches, now is the time to finalize your end-of-year checklist with your CPA or advisor! If you're not finding ways to save money on taxes right now, then you might be too late. December is a super busy time for those in the financial industry, so get on it!
Brian Wiley, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Everything you need to know that happened this week! Biden's Build Back Better plan was passed by the House, a new nuclear plant in the U.S., China, and everything else that you should know.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
While we don't doubt your smartness, we highly recommend that you hire a financial advisor! You may know your goals and how to invest within your Fidelity account, but there are tons of benefits that bringing in an advisor will give you. The price you pay for an advisor's guidance will be nothing compared to the money you may be able to grow and save by hiring someone with all the know-hows.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What country produces the most oil? Nope, not Saudi Arabia, no other Middle Eastern country. It's the United States! Nic and Brian talk about Rivian Motor Company's initial public offering and growth vs. value stocks. Caller questions and more!
Brian Wiley, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Another review of this last week, just in case you had your head in the sand! Rivian Motor Company partnered with a SPAC, foreign travel restrictions were lifted, and General Electric is splitting up. What do you think was the most important thing that happened this week concerning your dollar?
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Electric vehicles are a HOT topic right now. Current major manufacturers are dipping their toes into the EV market, along with new auto companies emerging. It seems that these companies have no issue producing these electric cars, but the issue lies within charging for the consumer – specifically charging away from home. Will the free market step up, or will it require government involvement?
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Successful investors have always looked ahead into the future, figuring out what the next "big thing" will be. What about you? We talk about the newest things when it comes to technology, electric vehicles, and cryptocurrency. Jeremiah and Brian explain what Crypto is and how the blockchain works. Is there a way to fix our broken Social Security system?
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Your weekly recap of this week! Central Banks around the world hint at raising interest rates, Black Rifle Company going public, low jobless claims numbers, and more.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
You find yourself becoming the executor of an estate. In the middle of all of the grief and sadness, you have to figure out what you're going to do with this huge asset that's now in your name. It's no easy task, but Nic is here to give you some tips to help navigate this new responsibility!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
When the economy seems to not be in your favor and world events cause you to feel uneasy, it's natural for you to be defensive with your money. But within every set back there's opportunity! Brian and Jeremiah broadcast from an undisclosed location, keeping the topic simple – investing! Growth stocks, value and dividend-paying stocks, cryptocurrencies, and sticking to the basic fundamentals.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Facebook is no longer! Don't worry, the social media platform that you know and love will still be there. However, Mark Zuckerberg and his team has changed their corporate name to Meta. This is due to the change of course that the company plans to make, taking us into a new level of technology that we haven't seen before. Plus, the Shiba Inu coin and the person who turned $5,000 into billions (at least on paper)!
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.treecityadvisors.com
www.therealmoneypros.com
This Friday, we bring you something new! Every Friday from now on, we will be giving you an overall review of everything that happened during that week. Everything you need to know to stay up to date!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Our special guest, Clark Reese with Wadsworth Reece CPAs, sits down with Jeremiah and Kent to help give you some ideas on how to be tax efficient going into the New Year. We recommend sitting down with your own CPA to see if there are things you should be doing before 2022 or things that can wait to be done until January. Don't pay any more than you have to!
Clark Reese, CPA
www.wadsworthreese.com
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
There's a new proposed tax change that would mostly target the ultra-high-net-worth billionaires of the United States. While the amount of people that would be affected is very small, there's something that we commoners and the super rich have in common: We want to keep as much of our money as we can! Jeremiah and Nic highlight the importance of being tax efficient.
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
On Monday, the city of Boise had a tragic shooting event at our local mall. This is the first tragedy like this to hit our town, so many of us are feeling the effects very strongly. Something like this may force you to look at your values and ask yourself if you're living the way you're supposed to. Money is great to have, but it's not the only thing to have!
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
Broadcasted live on 10/24/2021.
Brian Wiley, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The Money Pros take over the last hour of Nate Shelman's Rant and Rave Friday! Jeremiah and Nic dive deeper into "The Great Resignation" to find out why so many people are quitting their jobs. And Idaho ranks #3 in the states with the most job resignations! There's got to be some sort of change in perspective when it comes to work life and personal life...
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
Whether you love him or hate him, the guy just can't be forgotten. Donald Trump. Today, he made the news due to a merger deal that would help him launch his own social media company to rival those in Silicon Valley. Jeremiah and Nic talk about hype and what it can do to the mechanics of the stock market. As a result, Digital World Acquisition Corporation soared upwards and hit the 400% mark!
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
Since the beginning of the Coronavirus pandemic, online sales of goods have exponentially skyrocketed. Stay-at-home orders has changed the way that Americans are spending their money, so many businesses are having to adapt. We'll most likely see many companies copying the business models of those that succeeded the most during the pandemic.
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
In this topic-focused podcast episode, Nic removes the fear around Social Security and its rumored bankruptcy. He explains how Social Security is funded and what the word "insolvency" means when it comes to the SS Administration. Is there a way to solve the financial woes that face them?
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
We'd all love to be super wealthy. What are these billionaires doing that we aren't? They own stocks! Jeremiah and Alex talk about the importance of long-term stock portfolios and having good habits with money. Is the economy really as bad as these reports keep telling us? You may be able to retire earlier than you think.
Jeremiah Bates, Financial Advisor
Alexandra Lundgren, AIF®, Financial Advisor
www.therealmoneypros.com
If you woke up today and thought that Macy's stock would end up in the green, you'd be crazy, but correct. How?! Similar retail companies are trying to find a way to operate in a world where most of our shopping is done online. Will we see a change and a Macy's that exists in ten years? Plus, what did the SEC think of the "meme stocks" that heavily affected Wall Street earlier this year?
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
Broadcasted live on October 17th, 2021.
Brian Wiley, Jeremiah Bates, and Nic Daniels BFA™
Financial Advisors @ Tree City Advisors
www.therealmoneypros.com
www.treecityadvisors.com
Cryptocurrency! You love hearing about it and the crypto market is loving everyone's reaction. Jeremiah and Kent discuss Bitcoin and its continuing success and how long prices will continue to skyrocket. On top of that, The SEC is set to approve the first U.S. Bitcoin Futures ETF early next week. We'll just have to see what things will look like then...
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
We've talked about the Pandora Papers a couple of times already and at this point, it's old news. But tonight, we wanted to bring in our go-to attorney to talk about the legality of these trusts and anonymous banking that have been set up in South Dakota and similar states. Not all of it may be as suspicious as you may have thought!
Jeremiah Bates, Financial Advisor
Steve Rausch, Attorney
www.capitalcitylawoffice.com
www.therealmoneypros.com
Here in the United States, prices of homes and the costs of rent are quite high – a lot higher than what most of us are used to! But when looking at China, it looks like we have it pretty good... Nic and Kent discuss the current housing landscape of China and what it looks like for the average citizen. Policies around their real estate and more.
Kent Owings AWMA®, Wealth Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
In today’s podcast, Nic briefly explains the difference between a Flexible Spending Account (FSA) and a Health Savings Account (HSA). He then compares the FSA's "use it or lose it" nature to our government’s attitude towards their budgetary spending. Let’s just say it wouldn’t be difficult to return over $1 trillion dollars to U.S. taxpayers!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
In the month of August, a record 4.3 million workers quit their jobs. And yes, that's August of 2021! A number so high that it has been termed as "The Great Resignation". We may want to blame it on them young 'n lazy kids of Gen-Z, but is it really that simple? Maybe there's other factors that have caused this shift in power when it comes to employers and employees...
Jeremiah Bates, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
Unknown disruptions within the operations of Southwest Airlines caused thousands of flights to be cancelled, leaving even more thousands of customers stranded. At this point, we can only speculate what caused it. Plus, companies have felt the effects of the issues within their supply chains in the last couple of years. Now, some of them are taking matters into their own hands.
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
This week, you may have heard news of the "Pandora Papers" and seen the negative reactions among your average-earning Americans. While these billionaires may be doing some unethical things with their money, there are ways where YOU can take advantage of legal tax-saving strategies. Yes, the average person can do it too! Caller questions and more!
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
The number of new jobs created this last month was down compared to recent previous months. What could be the causes? School, COVID, free money – Either way, don't let minor hiccups skew your money habits. In a $3.5T spending bill, banks and other institutions are required to monitor the ins and outs of accounts. Does that invade our right to privacy? Happy weekend!
Jeremiah Bates, Financial Advisor
www.treecityadvisors.com
www.therealmoneypros.com
Here in the Treasure Valley, rent has risen 50% from this time last year. And that's not just exclusive to Idaho, rent nationwide is starting to become comparable to someone's mortgage payments. Your kids are tired of wasting their money every month, so how can you help them get into their first home? Sheila Moore joins Jeremiah to give advice on how to do it the right way!
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
Sheila Moore, Loan Officer
www.fairwayindependentmc.com/Sheila-Moore
October is here and that means... market volatility! As an adult, this month takes on a whole different kind of scary. Plus, we talk about the U.S. debt ceiling and question our ability to stick with it.
Jeremiah Bates & Nic Daniels
www.therealmoneypros.com
www.treecityadvisors.com
The state of South Dakota has laws that have formed a haven for billionaires and others who are looking to harbor their money safely and discreetly. The recent investigation into the Pandora Papers shows yet again that the rich live by a totally different set of rules. Or do they? If you could find a legal way to reduce your tax liabilities, wouldn't you do it too?
Jeremiah Bates, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Facebook is yet again facing backlash from some of its users and is going against a whistleblower that's yet to present their case in front of the Senate. What does this mean for an investor who holds Facebook stock? If you believed the company was in the wrong, would you protest and dump your holdings? Situations like this put investors in the position of choosing either morality or profit.
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
This Sunday, we stray away from our usual financial talk to make room for a discussion that can be very difficult to talk about. Divorce. Just one of the things that can happen that will change everything about your life as you know it. Brian hosts a professional Divorce Coach, along with our resident attorney to discuss the effects of a divorce. How it affects you financially, legally, and personally.
Brian Wiley, Financial Advisor
www.therealmoneypros.com
Brenda Lee, Divorce Coach
thebrendalee.com
Steve Rausch, Attorney
www.capitalcitylawoffice.com
Open enrollment is just around the corner! Since we're on the topic of insurance, who better than Steve Marsh from Medical Plans of Idaho to join us this evening. Choosing the right plan for you and if you're a business owner, building the best benefit plan for your employees.
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
Steve Marsh, Medical Insurance
www.medicalplansofidaho.com
Like our moms told us, think before you speak and think before you act! With political landscapes, market risk, and everything else that invades the news, our emotions are taken on a roller coaster ride every day. So let's learn to make wise decisions and not emotional ones. Worry about the things that are ACTUALLY important!
Jeremiah Bates, Financial Advisor
Brian Wiley, Financial Advisor
www.treecityadvisors.com
www.kboi.com
Here are the things you need to know about the recent proposed changes to self-directed IRAs! If these changes are to be implemented, prepare to sell off any real estate, cryptocurrency, or any other investment vehicle that isn't a publicly traded asset...
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.kboi.com
With great power comes great responsibility... we've all heard that at a million times. So should we be setting higher standards for those who have control? Two Presidents within the Federal Reserve have decided to retire after their morals were questioned following their actions within the stock market.
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.kboi.com
It's in our nature. We tend to despise change, especially a significant change that you notice in your every day life. But in order to improve our lives and us as people, we must endure just that! Nic talks about why it's so hard for us to change and what we can do to get past the negative thoughts we have revolving around it.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
If you look closely onto the horizon, you may be able to see yet another government shutdown. Should we be worried? Well, let's just say this happens more often than we may think... Plus, prices of oil and what to possibly expect from our current energy crisis.
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.kboi.com
Following the whole situation around the Chinese company Evergrande, the markets plummeted as the world reacted. Yes, something that was some-what major occurred, but was it really going to affect us that much to fall into hysteria? Knee-jerk reactions, the U.S. debt ceiling, and personal finance questions from callers.
Brian Wiley, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Your market recap, China's decision to stop all crypto mining and trading, and other Cryptocurrency news you may need to know.
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.kboi.com
If you're a business owner, thinking ahead is a big part of the game. You plan ahead to grow revenue, grow your client base, or expand locations. But what about the things that happen after you want to get out of the business? When setting up your business, plan ahead with an exit strategy. Tax compliance, company benefits, and more.
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.kboi.com
Today's market update, Evergrande and China, Federal interest rates, and more!
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.kboi.com
One of the most basic concepts of day trading is "buying at the dip". And in other words, buy low and sell high. But is that truly an investment strategy? Waiting for a dip means your money is liquid and not currently invested. Don't be afraid of market volatility! Let logic do your investing, not emotion.
Jeremiah Bates, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
www.kboi.com
We are back from our "extended break"! Our weeknight radio show is now back on 670 KBOI in Boise, Idaho. Jeremiah Bates and Alex Lundgren talk about what happened in the markets after China Evergrande's debt crisis hit the news. We will always experience some sort of volatility. Adjust and keep moving forward!
Jeremiah Bates, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What concerns you the most when it comes to investing and your money? Is it a new president, new legislation, or a pandemic? Regardless of the current fear, trust in the long-term strategy. Brian and Alex discuss a pending bill that would prevent high-income earnings from doing a Backdoor Roth conversion. Annuities, long-term care, and a couple caller questions.
Brian Wiley, Financial Advisor
Alexandra Lundgren AIF®, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Unfortunately, there will be a day where you pass and leave your children and family behind. Now that you're no longer around, where does all of your stuff go? Nic records from his backyard today to tell you about the five asset classes that are the hardest for your beneficiaries to obtain. So if you have some of these assets in your possession, you might want to rethink how you want to get rid of them!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
What does the Secure Act mean for your inherited qualified accounts? There are some rules to be aware of!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Let's go back to the day when you were about to get your very first paycheck. You just started your first job and was looking forward to spending your hard-earned money! Just to realize that you didn't make as much as you thought you were going to... Deductions? FICA? What does all this mean? Let's make sure you understand where your money is going!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
As more details emerge on the possible tax changes that Democrats are proposing, we highlight the items that would directly affect your money! Do you agree with the way they plan to fund their infrastructure package? Even if these tax changes don't affect your pocketbook specifically, still pay attention. You never know when it might!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Yesterday marked the 20th anniversary of the terror attacks that hit NYC on 9/11/2021. How did that change you? After the bumpy financial road that followed soon after, did your habits with money change as well? General financial advice and more! Jim Bennet joins us via phone to education us more on the FairTax Act.
Jim Bennet, Board Member
fairtax.org
Visit us!
www.therealmoneypros.com
More and more companies are starting to realize that even $15/hr isn't enough to attract and keep employees for long periods of time. Amazon, Chipotle, and Starbucks are some of the few that are offering to pay college tuition for employees that meet certain criteria. With student loan debt hovering over a large percent of Americans, this is the perfect way for people to work towards their financial goals.
Alexandra Lundgren AIF®, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Don’t we all love government mandates? In today's podcast, Nic walks us through Washington State’s mandate that will require all W2 workers to either pay into the state's long-term care insurance program or have private long term care insurance by November 1st of 2021. The state payroll tax begins January 1st, 2022.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Bitcoin and other cryptocurrencies have been around for a while now, becoming a go-to investment for those looking to grow their portfolio quickly. We have seen people catch a lucky break and make millions off these digital coins, but we've yet to see how they work within a governmental level. Until now! El Salvador is looking to adopt crypto as a national currency. Can this end badly for them?
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
As data from the new Hospital Price Transparency rule enacted in 2021 begins to surface, health insurers and consumers are seeing wide differences in the prices being paid/charged for identical procedures and services. Asking questions about your healthcare costs gives YOU the power to leverage your personal health and financial health more effectively than ever before.
Nic Daniels, Financial Advisor
www.treecityadvisors.com
www.therealmoneypros.com
Many of us who were around during the year 2008 vividly remember the recession. The major burst of a housing bubble that left so many homes foreclosed and empty left an imprint on those who were affected. But what led to it? And looking at today's housing market, are we headed for that again?
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
In tonight's episode, Nic breaks down an annual Charles Schwab survey that poses this question: How much money makes you wealthy? For some, they would say that making $100M per year would make them wealthy. For others, just making a $1,000 more per month would suffice. What about you? What is your definition of wealth?
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Reese Phillips with Preferred Senior Benefits walks us through the important world of Medicare. When you can apply, how your choices affect your finances, and what you need to do as your health needs change. Learn more with the resources below!
PreferredSeniorBenefits.com
Reese@PreferredSeniorBenefits.com
YouTube: https://www.youtube.com/channel/UCtQvjlURdOV4lkJKfOL1qDQ/featured
Nic Daniels, Financial Advisor
Kent Owings AWMA®, Wealth Advisor
www.therealmoneypros.com
Natural disasters are NOT cheap... And we just recently saw Hurricane Ida hit southern Louisiana and Mississippi. When disasters hit on a large scale, what is the financial cost? Nic, a former long-time resident of Louisiana, breaks down what the estimated cost of this hurricane is expected to be. What the repercussions will be and what it will take to fix what it destroyed.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
The fluctuation of the stock market isn't very complicated to comprehend. In short, the answer lies within investor certainty and/or uncertainty. Someone who is worried for the future is likely to make decisions off of that emotion. Even when it comes to your personal finances, these feelings tend to rule your decision making. Today, we cover four simple ways to remove uncertainty from your financial picture!
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Do you want to invest in cryptocurrencies because you know everything about it and think it's a good investment or are you just wanting to follow what's being talked about? Brian and Jeremiah pose the question of whether or not the IRS should be able to know exactly what you are buying and selling in the market. Is it too far of a reach? We also discuss the current state of our tax system and whether or not it's the most efficient system.
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
We have reached episode 100!!! This is a huge milestone for us. Thank you so much to those who have been a part of our growing community. To the next 100! For today, we have Brian Wiley record with us to talk about the changes in taxation on long-term capital gains and how this would affect people and their investments. But don't fret! Stay focused on your goals. Time deters any risk.
https://www.fool.com/research/capital-gains-tax-rates/
Brian Wiley, Financial Advisor
Nic Daniels, Financial Advisor
www.therealmoneypros.com
Owning gold as an investment is a huge topic. We get asked about it all the time! So who better to discuss it with than a gold expert? A local business owner, Sam Reading, who owns Idaho Pawn & Gold sits with Nic and Kent to talk about what it's like to buy and sell physical gold in today's market.
Text Gold1 to (208) 615-8714 to sign up for gold & silver alerts!
www.pawnidaho.com
www.therealmoneypros.com
Need to transfer a property in a pinch? Quitclaim deeds! With just a little bit of paperwork and a little know-how, you'll be able to get that house in or out of your hands. Nic educates you on the tax implications, step-up in basis, and more.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Suitability rules may sound good to the untrained ear. That financial product that an insurance broker may fall within their rules of suitability, but that doesn't mean that it's necessarily good for you. Don't be mislead! Nic goes into detail about what these parameters mean for those who must abide by these rules. Get advice that is specific for YOU.
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com
Ok, we know that it's still the month of August, but hear us out... Start doing your Christmas shopping now! And no, your partner isn't asking us to remind you to not wait until last minute. It's because our shipping crisis isn't over yet! The demand of consumers is still too high to keep up with. So if you're looking to order something for a loved one, don't wait too long...
Nic Daniels, Financial Advisor
www.therealmoneypros.com
www.treecityadvisors.com