Something More With Chris Boyd: Recent Episodes
J. Christopher Boyd
Something More with Chris Boyd is Cape Cod's finanical talk show, airing Saturday's at 3pm on WXTK, 95.1 FM. The show covers a wide variety of finanical topics with the goal of educating and entertaining.
Why wait until year-end when there may be planning opportunities available right now? In this episode of Something More with Chris Boyd, Chris Boyd, Russ Ball, and Luke Bagley discuss two often-overlooked areas of financial planning that deserve attention before the calendar turns: Required Minimum Distributions (RMDs) and beneficiary designations. With markets posting strong gains through much of the year, many retirees and inherited IRA beneficiaries may be wondering whether it makes sense to wait until December to take their required distributions. The team explores why a mid-year review can be valuable, how market performance may influence planning decisions, and why RMDs can be part of a broader asset allocation and risk-management conversation rather than simply a year-end obligation. The discussion also highlights strategies that can help make RMDs more effective, including Qualified Charitable Distributions (QCDs) for charitable-minded individuals. In addition, the conversation turns to another planning area that frequently gets overlooked: beneficiary designations. Whether due to marriage, divorce, the birth of children, or simply years passing since an account was opened, outdated beneficiaries can create unintended consequences. The team explains where these designations typically exist, why they often supersede instructions in a will, and how proper planning can help simplify the transfer of assets while avoiding unnecessary probate complications. The episode also begins with a discussion of the team's upcoming seminar series, Unlocking Value Without Unnecessary Tax Burden, designed for individuals with highly appreciated investments, real estate, or business interests who are seeking tax-efficient planning strategies. To learn more or register, visit: https://events.wealthenhancement.com/amrtaxwebinar If it has been a while since you've reviewed your retirement distribution strategy, account beneficiaries, or overall financial plan, this episode offers practical reminders and timely opportunities to revisit some of your most important financial decisions. #FinancialPlanning #RetirementPlanning #EstatePlanning #WealthManagement #FinancialAdvisor #TaxPlanning #RetirementIncome #BeneficiaryPlanning #LongTermPlanning #FinancialWellness
How should you prepare for one of the biggest financial risks facing retirees—and one that many people would rather not think about? In this episode of Something More with Chris Boyd, Chris Boyd, Russ Ball, and Luke Bagley take an in-depth look at long-term care planning, the rising cost of care, and the difficult decisions families face when trying to protect their retirement savings. While many people recognize that long-term care expenses can be substantial, understanding how to prepare for those costs is far less straightforward. The conversation explores the realities of traditional long-term care insurance, including qualification requirements, benefit triggers, premium increases, elimination periods, and inflation concerns. The team discusses why many consumers become frustrated with these policies and why evaluating long-term care risk has become an essential part of comprehensive financial planning. They also review alternative approaches, including hybrid life insurance and annuity-based solutions, and discuss how some families choose to self-fund care expenses. Throughout the episode, the discussion emphasizes that there is no one-size-fits-all answer. The best strategy depends on a household's financial resources, goals, health considerations, and desire to preserve assets for loved ones. Whether you're approaching retirement, currently retired, or helping aging parents navigate care decisions, this episode provides valuable perspective on one of the most important—and often overlooked—planning challenges facing families today. #LongTermCare #RetirementPlanning #FinancialPlanning #WealthManagement #EstatePlanning #RiskManagement #FinancialAdvisor #RetirementStrategy #LegacyPlanning #InsurancePlanning
Is there anything you should truly never sell in retirement? Or is that kind of thinking too rigid for real life? In this episode, Chris Boyd is joined by Brian Regan, Luke Bagley, and Vincent Sansone to challenge a popular article claiming retirees should avoid selling certain assets—like appreciated stocks, life insurance, or even their home. The team breaks down why blanket advice like "never sell" can be misleading, and why thoughtful, individualized planning matters far more than following hard rules. The conversation explores key retirement decisions, including when it might make sense to sell appreciated investments despite taxes, how to evaluate old life insurance policies, and whether downsizing your home could actually improve financial flexibility and quality of life. Along the way, the group highlights the importance of balancing long-term legacy goals with actually enjoying retirement. If you've ever wondered how to weigh tax efficiency against lifestyle—or how to make smarter, more flexible decisions as you approach retirement—this episode offers a grounded, practical perspective. #RetirementPlanning #FinancialAdvisory #WealthManagement #ClientFocused #FinancialInsights #InvestmentStrategy #RetirementStrategy
AI is driving markets—but is it also creating the next bubble? In this episode of Something More with Chris Boyd, the team tackles one of the biggest questions facing investors today: are we in the middle of an AI-driven market boom that could turn into a bubble—or is this a long-term transformation worth staying invested in? With massive capital pouring into infrastructure, data centers, and semiconductor technology, the opportunities are undeniable—but so are the risks. Chris Boyd and Brian Regan explore what's fueling the rapid growth in AI-related investments, including the staggering levels of spending by major technology companies. They break down how this surge is impacting everything from stock valuations to interest rates—and why it matters not just for tech investors, but for the broader economy. The conversation also highlights an often-overlooked reality: a small number of companies are driving a significant share of economic growth, which raises important questions about sustainability. A key theme throughout the episode is concentration risk. What should investors do if a single stock or sector has grown to dominate their portfolio? The team discusses practical strategies for managing that risk, including diversification, tax-aware approaches, and the importance of having a disciplined plan—even when it means making difficult decisions like trimming winning positions. Finally, the discussion turns to portfolio strategy in today's environment. With shifting market leadership, rising interest rate pressures, and increased uncertainty, the team makes the case for a more active approach—one that adapts to changing conditions rather than relying solely on a set-it-and-forget-it mindset. If you've been wondering whether to lean into the AI story or step back and reassess your risk, this episode offers a thoughtful, balanced perspective to help guide your decisions. #Investing #WealthManagement #FinancialPlanning #PortfolioStrategy #AI #MarketOutlook #RiskManagement #Advisors
Stocks are up, headlines are loud, and optimism is back—but what's really driving markets as we head into the second half of the year? In this episode of Something More with Chris Boyd, Chris is joined by Brian Regan and Russ Ball to unpack the powerful forces shaping today's investment landscape. From geopolitical tensions in the Middle East to the ripple effects of oil prices, inflation expectations, and interest rate shifts, the conversation explores how global events are influencing both short-term volatility and longer-term outlooks. But the discussion doesn't stop there. The team takes a deeper dive into the remarkable strength of the market so far this year—highlighting how a strong second quarter helped push returns solidly higher despite earlier volatility. Much of that momentum, they explain, is being driven by a concentrated group of sectors, particularly those tied to artificial intelligence and semiconductor growth. That raises important questions: Is this sustainable? Are we seeing echoes of past tech booms? And what should investors be watching most closely right now? Along the way, they share thoughtful perspective on portfolio strategy, including the challenges in fixed income, the role of diversification, and why discipline—especially in fast-moving areas like AI—matters more than ever. Whether you're encouraged by recent returns or cautious about what comes next, this episode offers a balanced, practical framework for navigating the months ahead. #InvestingInsights #MarketOutlook #WealthManagement #FinancialPlanning #ClientStrategy #EconomicTrends #PortfolioManagement
What happens when you finally reach your retirement "number"… and then have to start spending it? In this thoughtful and highly relatable conversation, Russ Ball sits down with Jeff Perry—recently retired financial advisor—to explore one of the most overlooked challenges in retirement: shifting from saving to spending. After decades of focusing on accumulation, the transition to drawing down assets brings both financial and emotional complexities that aren't always easy to prepare for. Jeff shares his firsthand experience navigating those first few months of retirement, offering an honest look at the psychological hurdles that come with watching your portfolio decrease rather than grow. Together, they discuss how to determine sustainable withdrawal rates, the importance of truly understanding your expenses (including the often-forgotten "life happens" costs), and why having a clear plan can make all the difference in building confidence. The conversation also dives into practical strategies—like guardrails, bucketing, and annual plan reviews—that can help retirees stay on track while still enjoying their money. Perhaps most importantly, this episode highlights the emotional side of financial planning: overcoming fear, embracing flexibility, and giving yourself permission to live the life you've worked so hard to create. #RetirementPlanning #FinancialAdvising #WealthManagement #RetirementIncome #FinancialSecurity #ClientExperience #PersonalFinance
The Healthcare Heist: Why Costs Keep Rising and What We Can Do About It
Why does healthcare feel so expensive, complicated, and—at times—frustratingly broken? In this episode of Something More with Chris Boyd, we welcome back Dr. Jordan Grumet to explore his new book, The Healthcare Heist, and unpack the root causes behind rising costs and declining patient experience.
Drawing on his background as a physician and financial expert, Dr. Grumet explains how the modern healthcare system has evolved from a community-centered model into one heavily influenced by third-party interests. Insurance companies, pharmaceutical firms, and other stakeholders—many driven by profit rather than patient care—have reshaped incentives in ways that impact both costs and outcomes. The result? Patients and providers often feel caught in a system that doesn't fully serve either of them.
Beyond diagnosing the problem, this conversation dives into what meaningful change could look like. From understanding the role we all play as patients, to exploring how storytelling and collective awareness could drive reform, this episode offers a thoughtful and balanced perspective on one of the most pressing issues in our lives today.
If healthcare is something you've ever worried about—whether it's affordability, access, or long-term planning—this discussion will challenge your thinking and give you a clearer lens on where we go from here.
Listen to our other conversation with Dr. Jordan Grumet: SMwCB - The Purpose Code – Dr. Jordan Grumet
If you enjoy thoughtful conversations about money, life, and what really matters, be sure to like, subscribe, and share.
Jordan Grumet, MD | Author, Speaker, Coach
Jordan Grumet's Podcast, Earn & Invest
Estate planning isn't a separate "legal chore" you do once and forget — it's a core part of financial planning that helps your money decisions work the way you intend, both during your lifetime and after. In this episode of Something More with Chris Boyd, Chris Boyd and Russ Ball explain why estate planning belongs in the same conversation as retirement planning, tax strategy, investment design, and risk management. They break down the foundational documents (wills, trusts, powers of attorney, and healthcare directives), but the bigger point is how these tools coordinate with everything else you're doing financially. Your account titling, beneficiary designations, cash flow plan, tax planning, and long-term projections can all be impacted by what your estate documents say — and by whether your plan is properly implemented and kept up to date. The episode also highlights a common gap: people often have an attorney, an investment account, and a tax preparer operating in silos. Chris and Russ discuss why integrated planning helps "connect the dots," so your investments and planning strategies align with your estate goals, family dynamics, and potential tax exposure over time. If you've ever wondered "Do I really need a trust?" or "Is my plan still accurate after life changes?" this conversation reframes estate planning as a practical, living part of your overall financial strategy — designed to reduce confusion, improve outcomes, and support the life you want to live (and the legacy you want to leave). #EstatePlanning #FinancialPlanning #WealthStrategy #TaxStrategy #RetirementPlanning #LegacyPlanning #SomethingMoreWithChrisBoyd
Markets are hitting new highs—but with inflation pressures, AI enthusiasm, and massive IPOs looming, what's really driving the rally? And more importantly, how should investors be thinking about it? In this episode of Something More with Chris Boyd, Chris is joined by Russ Ball and Brian Regan for a wide‑ranging conversation on artificial intelligence, market concentration, and the surge in expected IPO activity from some of the world's largest and most talked‑about companies. They explore how AI‑related earnings—particularly in semiconductors and data infrastructure—are powering recent gains, while other parts of the market lag behind. The discussion goes beyond headlines to examine inflation risks, consumer stress, and the growing "K‑shaped" economy—where financial outcomes look very different depending on where you sit. The team also unpacks what trillion‑dollar IPOs could mean for liquidity, spending, and future market dynamics, including potential ripple effects across housing, inflation, and asset prices. Throughout the episode, the focus remains practical and grounded: understanding what's happening beneath the surface, recognizing both opportunity and risk, and keeping long‑term planning front and center in a rapidly changing environment. #InvestingInsights #MarketTrends #ArtificialIntelligence #FinancialPlanning #WealthManagement #EconomicOutlook
Are you truly a conservative investor, or has your life experience shaped you to think about risk differently? In this episode of Something More with Chris Boyd, Chris sits down with Brian Regan and Russ Ball to talk about how personal experiences influence investing decisions and why two people can look at the exact same opportunity and come away with very different perspectives. Brian reflects on entering the workforce during the financial crisis and how that period shaped a disciplined and cautious mindset while still recognizing the importance of investing for long term growth. The conversation explores the challenge many investors face: Protecting what they've worked hard to build while still pursuing enough growth to support future goals. Chris and Russ also discuss how this balance changes in retirement, when preservation becomes more important but growth still matters in order to keep pace with inflation and longevity. Topics include: • Why volatility is not always a bad thing • The importance of understanding what you own • How diversification and asset allocation help manage risk • Why risk tolerance is personal and often tied to your own experiences and perspective At the center of the conversation is the idea that investing is not one size fits all. The best financial strategy is one that aligns with your goals, your experiences, and your comfort level with uncertainty. #Investing #RiskManagement #BehavioralFinance #StockMarket #WealthBuilding #FinancialPlanning #PortfolioStrategy
Should you convert to a Roth IRA, or is waiting the better move?
In this episode of Something More with Chris Boyd, Chris and Russ Ball take on one of the most common questions in retirement planning and explore why so many investors hesitate when it comes to Roth conversions.
Drawing from advanced IRA planning education and real conversations with clients, they break down the concerns that often stop people from taking action. Topics include the fear of paying taxes today, the possibility of higher Medicare premiums, and uncertainty about where future tax rates may be headed.
Chris and Russ also look at the opportunities that can make Roth conversions worth considering, especially during the years between retirement and required minimum distributions. The conversation focuses on understanding the numbers, avoiding common misconceptions, and recognizing how delaying a decision can sometimes create larger tax consequences later.
Topics include: • Why many investors avoid Roth conversions • How today's tax environment may create planning opportunities • The impact conversions can have on Medicare premiums and future taxes • Why timing matters in retirement income planning • How Roth strategies fit into a broader long term financial plan
This episode is not about pushing a one size fits all strategy. It is about helping investors better understand their options so they can make informed decisions based on their goals, income needs, and future tax considerations.
#RothIRA #RetirementPlanning #TaxStrategy #Investing #FinancialPlanning #WealthManagement #IRA #MoneyDecisions
What happens when real-life financial questions don't have simple answers? In this episode of Something More with Chris Boyd, Chris and Russ Ball open the mailbag to tackle some of the most common—and often misunderstood questions from clients and listeners. From fixing excess Roth IRA contributions to navigating the complexities of a 1031 exchange, this episode walks through real-world scenarios that can have meaningful financial consequences if handled incorrectly. Along the way, they break down the rules, timing requirements, and potential pitfalls that investors need to be aware of. The conversation also shifts to a more personal and increasingly common challenge: what to do if you're approaching retirement with limited savings. Chris and Russ explore practical strategies for improving your position, including adjusting spending, evaluating housing choices, and considering part-time work to strengthen your long-term outlook. At its core, this episode is about clarity, flexibility, and informed decision-making. Whether you're dealing with a tax issue, evaluating real estate strategies, or simply trying to figure out your next step financially, this discussion offers grounded, actionable insight. If you've ever wondered "What should I do in this situation?" this episode is for you. #FinancialPlanning #TaxStrategy #RetirementPlanning #WealthManagement #Investing #AdvisorInsights
Markets are hitting new highs but is the foundation as strong as it seems? In this 19th anniversary episode of Something More with Chris Boyd, Chris is joined by Brian Regan, CFA, for a deep dive into the latest quarterly market insights. While earnings remain impressive especially driven by AI and large-cap growth several underlying risks are beginning to emerge that investors can't afford to ignore. Brian shares why inflation remains a key concern, how geopolitical tensions and energy prices are influencing economic trends, and why the Federal Reserve's next moves may keep interest rates higher for longer. He also highlights lesser-discussed risks gaining traction, including private credit liquidity concerns, shifts in construction employment, and the evolving role of cryptocurrency in consumer behavior. Together, they explore what a "K-shaped" economy really means for investors and why markets can perform well even as large segments of the population struggle. Perhaps most importantly, this conversation focuses on how to respond thoughtfully not react emotionally. Rather than making drastic portfolio moves, Chris and Brian explain the value of making measured, strategic adjustments to navigate uncertainty while staying invested for long-term growth. If you're wondering whether today's strong market performance is sustainable or what warning signs might lie ahead this episode offers timely perspective and practical guidance. #FinancialPlanning #Investing #Markets #WealthManagement #EconomicOutlook #PortfolioStrategy #RetirementPlanning
In this episode of Something More with Chris Boyd, Chris is joined once again by Brian Regan, Senior Portfolio Manager on the AMR Team at Wealth Enhancement, to explore how leadership changes—at major corporations and within the Federal Reserve—can materially influence investment outcomes. The conversation begins with high‑profile leadership transitions, including Apple's succession from Tim Cook, shifts at Berkshire Hathaway, Netflix, Starbucks, and Simon Property Group, and why investors should care not just who leads a company—but how they got there. Chris and Brian unpack what they look for in effective leadership: * Founder-led vs. externally hired CEOs * Long tenure and institutional knowledge * Capital allocation discipline * Governance structures that protect shareholders * The risks of concentrated control and weak oversight
They also discuss: * Apple's strategic restraint in AI spending—and why that may be a competitive advantage * Governance failures that create "value traps" * Why leadership continuity often trumps flashy turnarounds * The coming transition at the Federal Reserve, Jerome Powell's legacy, and what uncertainty at the Fed could mean for markets * Why strong bank earnings are a reassuring economic signal
The episode concludes with a candid discussion on financial advisory fees—when advisors do earn their keep, when they don't, and how good advice extends far beyond investment selection into behavioral coaching, planning, tax strategy, and risk management. A thoughtful reminder that people matter behind the balance sheets—and so does the advice you rely on.
We're now two months into the conflict involving Iran—so what does it really mean for markets and your portfolio? In this episode of Something More with Chris Boyd, Chris is joined by Brian Regan, Senior Portfolio Manager on the AMR Team at Wealth Enhancement, for a timely and grounded conversation about geopolitics, market volatility, and long‑term investing discipline. The discussion revisits the market's initial reaction when the conflict began in late February, the sharp but short-lived selloff, and the subsequent rally back toward all‑time highs. Chris and Brian explain why markets often recover faster than headlines suggest—and why investors who remain disciplined are often rewarded. They also explore: * Why the Strait of Hormuz matters so much to global energy markets * How oil price spikes ripple through inflation, interest rates, and portfolios * Which sectors have shown resilience during the conflict * Why earnings expectations—not fear—ultimately drive markets * How yield curve shifts impact gold, banks, housing, and private credit * What could happen if the ceasefire holds—or breaks down
Most importantly, this episode reinforces a timeless investing lesson: Short‑term geopolitical events are rarely a reason to abandon a sound long‑term plan. If global uncertainty has you questioning your portfolio, this conversation offers perspective, context, and calm.
In part two of Chris Boyd's conversation with author Beth Pinsker, they dive into the legal and logistical realities families face when a loved one declines or passes away. Beth shares firsthand stories about powers of attorney that didn't work, banks refusing access, the maze of government agencies, and the surprising complications of digital assets. One striking line from the show: "I thought those documents were the golden ticket… and then I went to try to use a power of attorney." They also explore estate planning, fairness vs. equality among heirs, and how to prevent family conflict before it starts. #EstatePlanning #DigitalAssets #PowerOfAttorney #ElderCare #FinancialCaregiving #FamilyPlanning #WealthManagement #SomethingMoreWithChrisBoyd
Most families don't plan for financial caregiving until they're forced into it. In this episode, Chris Boyd talks with award‑winning financial journalist and author Beth Pinsker, whose book My Mother's Money: A Guide to Financial Caregiving blends memoir and practical guidance. They explore the moment "everything changed," the early red flags families often miss, why even the "right" documents aren't always enough, and how the cost of care becomes painfully real. As Beth says: "Financial red flags come first… handling money is a complicated higher function." If you have aging parents — or expect to one day — this conversation is essential. #FinancialCaregiving #AgingParents #ElderCare #FamilyFinance #LongTermCare #CaregivingJourney #EstatePlanning #SomethingMoreWithChrisBoyd #WealthEnhancement
In this episode of Something More with Chris Boyd, Chris and Brian dive into two of the biggest areas where families unintentionally sabotage their financial success: retirement savings missteps and education planning mistakes. Brian discusses patterns he's seen after reviewing hundreds of 401(k) plans — especially the surprising frequency of investors mixing target-date funds with additional stock funds, inadvertently doubling their risk. Chris and Brian explain how target-date funds are designed, why adding extra funds defeats the purpose, and how investors often fall into the trap of chasing performance or comparing themselves unfairly to the S&P 500. The conversation also unpacks: * Why the S&P 500 is not an appropriate benchmark for most people * How risk tolerance, time horizon, and personal financial stability should determine allocation * Why short-term performance viewing leads to emotional decisions * The "illusion of diversification" when holding many similar stock funds * How to properly evaluate whether your portfolio risk matches your goals * The importance of focusing on time in the market, not timing the market
Then the episode turns to education planning mistakes — an increasingly urgent topic as college costs continue skyrocketing. Chris and Brian cover: * Why early and consistent saving matters most * Why 529 plans remain the best savings vehicle for education * How the new Trump savings accounts fit in (and don't) * How costs differ dramatically between public vs. private education * Why parents often damage their own retirement security trying to pay for college * The importance of setting expectations with children early * Brian's personal system for projecting education costs to 2044 * Why lifestyle decisions (cars, home choices, spending patterns) impact your ability to fund education
Finally, the discussion closes with a thoughtful segment on whether buying a home is always the right move, especially for Millennials and Gen Z. Chris and Brian outline why today's high prices and high mortgage rates reduce affordability — and why renting may sometimes make more financial sense until conditions improve. Learn more / Contact us: https://somethingmorewithchrisboyd.com AMR-info@wealthenhancement.com Like, subscribe, and share if you find this helpful. #RetirementPlanning #CollegeSavings #TargetDateFunds #529Plans #FinancialEducation #WealthManagement #smwcb
Why panic selling backfires — and how proper planning prevents emotional mistakes. In this episode of Something More with Chris Boyd, Chris and Brian Regan tackle a timeless question: Why do investors feel the urge to sell when markets decline? They explore the psychology behind market fear, why this instinct is often counterproductive, and how disciplined planning helps investors avoid costly emotional decisions. From there, the conversation moves into today's market environment — including the global tensions, oil price changes, sector‑specific volatility, and what these disruptions mean (and don't mean) for long‑term investors. A major focus in this episode is private credit; an area Brian has been warning about since early 2025. He outlines why the surge in private credit inflows, liquidity mismatches, rising default rates, and cross‑ownership structures between private equity and private credit funds are creating instability beneath the surface. While not a 2008‑style crisis, Brian explains why investors — especially those unknowingly exposed — should pay attention.
#MarketVolatility #InvestorBehavior #FinancialPlanning #WealthManagement #PrivateCredit #SomethingMoreWithChrisBoyd
In Part 2, Chris and Attorney Keats Boyd dive into advanced strategies that protect wealth, reduce risk, and potentially eliminate state‑level estate taxes. Topics include: * Why rental property owners should strongly consider using an LLC * Inside vs. outside creditors — and why the distinction matters * How LLCs protect your home and financial assets from tenant lawsuits * Selecting the right state in which to form an LLC (charging order jurisdictions explained) * Filing requirements, costs, and practical considerations * Using LLCs as part of multi‑generation wealth planning * Whether MA real estate taxed in an estate can be reduced or eliminated using LLCs or credit shelter trusts
If you own rental property or have substantial real estate value, this episode is full of actionable insights that may save your family significant taxes and liability exposure. #EstatePlanning #FinancialPlanning #WealthManagement #TrustsAndEstates #TaxPlanning #RetirementPlanning #LLC #AssetProtection #RealEstateInvesting #LandlordLife #LiabilityProtection #Smwcb
In Part 1 of this in‑depth conversation, Chris Boyd and estate planning attorney F. Keats Boyd III explore the real drivers of an effective estate plan — beyond the basics and far past what most families consider. Topics include: * Why most estate plans are outdated long before people realize * How step‑up in basis really works (and why families lose hundreds of thousands by structuring things incorrectly) * Joint trusts vs. individual trusts — and why traditional planning often fails today * Residency choices (MA vs. FL) and the tax implications, including: + Estate tax thresholds + Capital gains considerations + Required steps for changing domicile
- How the SECURE Act changed IRA planning and why most trusts created before it need updates
- Why "funding the trust" is the #1 reason estate plans fail
If you own real estate, have retirement accounts, or haven't updated your estate plan in years, this episode provides essential insights. #EstatePlanning #FinancialPlanning #WealthManagement #TrustsAndEstates #TaxPlanning #ResidencyPlanning #MAEstateTax #FloridaResidency #IRAPlanning #TrustFunding #smwcb
In this episode of Something More with Chris Boyd, Chris sits down with Brian Regan, CFA® to unpack what's happening in financial markets amid rising geopolitical tensions and inflation pressures. Despite conflicts abroad and volatility in energy markets, the stock market has shown surprising resilience — but beneath the surface, major shifts are underway in oil, bonds, and private credit.
Brian breaks down:
- Why markets aren't reacting as sharply as headlines might suggest
- What's driving oil price spikes and how refinery disruptions, supply bottlenecks, and global shipping constraints play major roles
- Why inflation expectations are ticking higher, and how energy costs feed directly into consumer prices
- Bond market stress, including rising yields, falling bond prices, and what the Fed's shifting policy stance could mean
- The changing shape of the yield curve — and why predictions have become more uncertain
- Growing concerns in private credit, including rising default rates and liquidity issues
- Portfolio positioning considerations, including whether short‑term geopolitical events should influence long‑term investment strategy
Chris and Brian reinforce the importance of global context, disciplined planning, and a diversified approach, especially when markets face unexpected shocks. They also highlight how having a financial team in your corner can help make sense of fast‑moving economic developments.
#MarketUpdate #Investing #FinancialInsights #EconomicOutlook #YieldCurve #Inflation #InterestRates
War in the Middle East. Oil up sharply. Markets on edge. Should investors panic-or stay the course?
On this episode of Something More with Chris Boyd, Chris Boyd sits down with Brian Regan and Russ Ball to unpack the financial implications of renewed U.S. and Israeli strikes involving Iran. Together, they examine how geopolitical shocks historically affect markets, why volatility often feels worse than it proves to be, and what disciplined investors should focus on instead of headlines.
Most importantly, they reinforce a core principle: investment strategy should align with your financial plan not with the latest breaking news.
Whether you're feeling uneasy or simply looking for perspective, this episode offers thoughtful analysis, practical guidance, and a steady voice in uncertain times.
Keep striving for Something More.
#SmartMoney #FinancialInsights #Investing #Markets #FinancialPlanning #PortfolioStrategy #WealthManagement #LongTermInvesting #SomethingMoreWithChrisBoyd #WealthEnhancementGroup
Diving Deep on Social Security decisions with Marsha Mantell (part two)
In this episode of Something More with Chris Boyd, Chris, and Jeff welcome back Social Security expert and author Marsha Mantell for a deep dive into reallife Social Security case studies. Drawing from her book Social Security: Lightly Toasted, Not Burned, Marsha shares relatable scenarios from single earners and hardworking bluecollar couples to divorced spouses, blended families, and widows navigating complex decisions. Together, they walk through how lifetime earnings, timing, marital history, and survivor benefits shape Social Security outcomes. With humor (yes, the Flintstones and Brady Bunch make an appearance) and practical insight, this episode highlights why assumptions about ages like 62, 65, 70, or even 70½ often miss the mark and why thoughtful planning matters. Whether you are approaching retirement or helping clients prepare, this conversation delivers clarity, strategy, and "something more" to help you make informed choices about your Social Security benefits.
#SocialSecurity #RetirementPlanning #FinancialAdvice #CaseStudies #MarshaMantell #ChrisBoyd #WealthEnhancementGroup #RetirementStrategy #WidowBenefits #SpousalBenefits #FinancialPodcast #SomethingMoreWithChrisBoyd
For more information or to reach TEAM AMR, click the following link:
https://www.wealthenhancement.com/advisor-teams/amr-team
To buy Marcia Mantell's book, click the link below:
https://www.barnesandnoble.com/w/social-security-lightly-toasted-not-burnt-marcia-macdonald- mantell/1148852467?ean=9798987424933
This week on Something More with Chris Boyd, the AMR team with Chris, Jeff Perry, and Russ Ball dives into the mailbag to tackle the realworld financial questions listeners are asking right now. From deciding when to rightsize a portfolio, to navigating the emotional tugofwar of selling after a big gain, to understanding the role of precious metals, taxes, Roth conversions, annuities, and estate planning, this episode covers a full spectrum of issues that matter most to investors and retirees. We explore why timing the market is so tricky, how to think clearly about risk versus return, and the importance of aligning decisions with longterm planning instead of shortterm emotions. You will also hear valuable insights on RMD strategies, IRMAA surprises, and when annuity income might or might not fit your needs. Tune in for practical guidance grounded in real client conversations, and as always, keep striving for Something More. #FinancialPlanning #RetirementPlanning #InvestmentStrategy #WealthManagement #MailbagEpisode #ChrisBoydShow #MarketInsights #TaxPlanning #RothConversion #EstatePlanning #Annuities #FinancialAdvice #CapeCodAdvisors #SomethingMoreWithChrisBoyd
In this episode of Something More with Chris Boyd, Chris, and Jeff welcome Social Security expert and author Marsha Mantell for an in-depth conversation on the realities of Social Security today. From the program's looming funding challenges to the widespread myths about bankruptcy, grandfathering, and claiming strategies. Marsha breaks down what retirees really need to know. They explore her new book, Social Security: Lightly Toasted, Not Burned, and discuss the program's history, why people are panicking, and why they should not. They outline both the math and the mindset behind smart claiming decisions. Whether you are single, married, divorced, or widowed, Marsha explains why context matters, why the rules are not always intuitive, and how this decision fits into broader retirement and financial planning. If Social Security feels confusing or overwhelming, this episode brings clarity, calm, and practical guidance for mapping your own best path forward. #SocialSecurity #RetirementPlanning #FinancialAdvice #MarshaMantell #ChrisBoyd #WealthEnhancementGroup #RetirementEducation #SocialSecurityMyths #FinancialPodcast #SomethingMoreWithChrisBoyd For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team To buy Marcia Mantell's book, click the link below: https://www.barnesandnoble.com/w/social-security-lightly-toasted-not-burnt-marcia-macdonald- mantell/1148852467?ean=9798987424933
Mortgage rates have shifted dramatically in recent years, leaving many homebuyers and homeowners wondering: What is "normal" now? In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry, Russ Ball, and special guest Donna McKeown, Senior Loan Officer at Movement Mortgage, to break down the current mortgage landscape. We discuss where rates stand today, why expectations have changed, and how to approach refinancing decisions. Donna shares expert insights on points, adjustable vs. fixed rates, jumbo loans, and the impact of student debt on mortgage approvals. Plus, we explore practical tips for first-time buyers, when to start the conversation with a lender, and why "marry the house, date the rate" might be the smartest advice in today's market. Whether you are buying, refinancing, or just curious about trends, this episode offers clarity and actionable guidance.
#MortgageRates #HomeBuyingTips #Refinancing #RealEstateFinance #MortgageAdvice #FinancialPlanning #HousingMarket #WealthManagement #InterestRates #SmartMoneyMoves
For more information or to reach TEAM AMR, click the following link:https://www.wealthenhancement.com/advisor-teams/amr-team
As the new year begins, Chris Boyd and senior portfolio strategist Brian Regan take a deep, forward-looking look at the economy, markets, and portfolio positioning. This episode explores how artificial intelligence has become a dominant driver of economic growth and why its influence is reshaping equity valuations, sector allocation, and long- term investment strategy. Brian and Chris explain why today's market differs fundamentally from past valuation peaks, how earnings growth and expanding margins are supporting prices, and what hyperscale AI investment means for semiconductors, utilities, and infrastructure. The conversation also covers yield-curve dynamics, Federal Reserve policy, inflation, tariffs, and how these forces interact across equities, fixed income, alternatives, and international markets. Listeners will gain insight into the "complete system approach" to investing that connects macroeconomic signals with tactical portfolio decisions, along with practical considerations for retirees and those nearing retirement. A thoughtful, data-driven discussion designed to help investors stay disciplined amid volatility and focus on what truly drives markets.
#SomethingMorePodcast #MarketOutlook #ArtificialIntelligence #InvestingStrategy #EconomicForecast #PortfolioManagement #InterestRates #YieldCurve #FinancialPlanning #RetirementPlanning #WealthManagement
Subscribe and watch this episode on Youtube- https://youtu.be/8huJsBcTQZs
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
AI vs. The Human Financial Planner: Artificial Intelligence is transforming industries, but can it truly replace the human touch in financial planning? In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and Russ Ball to explore the pros and cons of using AI for personal finance. From quick answers and efficiency to the pitfalls of "hallucinations" and lack of context, we dive into where A-I shines and where it falls short. Financial planning is not just about math; it's about life changes, family dynamics, aspirations, and emotional comfort. Can an algorithm understand your fears or priorities? We discuss why human advisors still play a critical role in tailoring strategies, asking the right questions, and guiding decisions beyond formulas. Whether you are a
DIY investor or curious about tech's impact on wealth management, this conversation offers valuable insights into balancing innovation with personal connection. #ArtificialIntelligence #FinancialPlanning #AIandFinance #WealthManagement #FutureOfFinance #HumanTouch #MoneyMatters #InvestingInsights #TechAndFinance #FinancialAdvisor For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
As we kick off a new year, investors face the challenge of navigating ever-changing market narratives while staying focused on long-term goals. In this episode of Something More with Chris Boyd, host Jay Christopher Boyd is joined by Jeff Perry and Brian Regan to discuss key lessons from 2025 and how they shape portfolio strategies for 2026. From the impact of government policy swings to the role of interest rates and the evolution of technology giants like Nvidia, we explore what matters most for asset allocation. Brian shares insights on holistic portfolio construction, risk management, and why resisting reactionary moves is critical for success. Whether you are concerned about volatility, curious about alternatives like gold, or wondering how AI-driven innovation influences markets, this conversation offers practical guidance for building resilience and opportunity into your financial plan.
#FinancialPlanning #PortfolioStrategy #MarketInsights #Investing2026 #RiskManagement #AssetAllocation #AIandMarkets #WealthManagement #LongTermInvesting #EconomicTrends #InterestRates
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
Thinking about retiring abroad? In our latest episode of Something More with Chris Boyd, we explore the top global destinations for Americans in 2026—from Portugal and Spain to Thailand and Costa Rica. -Cost of living advantages -Healthcare considerations -Visa and residency requirements -Lifestyle and cultural appeal Retirement is more than a finish line—it's a new chapter. Could yours include a European countryside or a tropical beach? Inspired by Realtor.com's guide to global retirement destinations. https://www.realtor.com/news/trends/the-best-global-cities-retirement-americans-in-2026/ #RetirementPlanning #GlobalLiving #FinancialFreedom #WealthManagement #LifestylePlanning
Start 2026 with a plan that works for you. In our latest episode of Something More with Chris Boyd, we explore practical steps to make this year your strongest yet—financially and personally. -Update your W-4 and review tax withholdings -Maximize retirement contributions (new limits for 2026!) -Understand Roth vs. Traditional strategies -Rebalance your portfolio after strong market years -Refresh your financial and estate plans #FinancialPlanning #RetirementReady #WealthManagement #NewYearNewPlan #PersonalFinanceTips
Welcome to a fresh start! In this episode of Something More with Chris Boyd, Chris and Jeff Perry from the AMR team at Wealth Enhancement dive into the power of New Year's resolutions, especially when it comes to your financial life. We explore why many goals fail and how to make them stick by shifting from vague aspirations to clear, actionable behaviors. Learn how SMART goals and daily questions like "What can I do today to move closer to my vision?" can transform your planning process. We also discuss life events that often trigger financial reviews, including retirement, job changes, inheritance, and why getting a second opinion on your financial plan can provide confidence and clarity. Plus, discover how our complimentary two-step consultation works and why ongoing planning matters for long-term success. Start the year strong with practical strategies for financial well-being! #NewYearsGoals #FinancialPlanning #SmartGoals #MoneyHabits #WealthManagement #ChrisBoydShow #InvestingWisely #FinancialConfidence #2026Planning #SomethingMorePodcast For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
2025 Market Lessons: Tariffs, Trends, Private Equity with some Baloney Sauce As 2025 comes to a close, we take a step back to reflect on the year's biggest market lessons and what they mean for the year ahead. Despite early turbulence—including a near 20% drop tied to tariff fears—investors ultimately enjoyed solid returns. In this episode of Something More with Chris Boyd, Chris, Jeff Perry, and Brian Regan discuss how adaptability in American business helped weather policy shifts, and share insights on portfolio strategies that worked, from regional banks to gold. We also tackle the growing buzz around private credit and private equity—and why Brian calls it "baloney sauce." Plus, we explore risks in alternative markets and what investors should expect from high-flying tech names like NVIDIA. Join us for candid analysis, practical takeaways, and a look at how to position for 2026. #YearEndReview #MarketInsights #InvestingStrategy #PortfolioPlanning #TariffTalk #PrivateCredit #FinancialPodcast #ChrisBoydShow #2026Outlook #BaloneySauce For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
Doctors do no harm: Navigating Wealth Management for Medical Professionals Physicians face unique financial challenges that set them apart from other professionals. In this episode of Something More with Chris Boyd, Chris is joined by Pete Hoglund, Jeff Perry, and Russ Ball to explore the complexities of financial planning for doctors. From managing medical school debt and navigating multi-year contracts to planning for a career with high income but limited earning years, we break down the critical phases of a physician's financial life. We also discuss strategies for retirement planning, liability protection, and why physicians, like professional athletes, must maximize savings during peak earning years. If you're a physician or work with one, this conversation offers practical insights on portfolio management, risk mitigation, and building long-term financial security. Tune in to learn how to overcome time constraints and emotional hurdles to create a plan that works for your future.
#PhysicianFinance #FinancialPlanning #WealthManagement #RetirementPlanning #MedicalProfessionals #DebtManagement #PortfolioStrategies #RiskManagement #SomethingMorePodcast #MoneyMatters For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
Media Power Plays & Market Signals: Warner Bros Deal + In the News In this episode of Something More with Chris Boyd, we dive into major stories shaping headlines and investor sentiment. First, we unpack the high-stakes battle for Warner Brothers Discovery, where Paramount and Netflix are vying for control in a deal worth over $100 billion. What does this mean for the future of streaming, media consolidation, and shareholder value? Then, we shift gears to the latest Bureau of Labor Statistics data, exploring what a surprising dip in inflation could signal for interest rates, economic growth, and your portfolio. From hostile takeovers to macroeconomic trends, we break down what investors need to know and how these developments might influence markets in 2026. Join Chris Boyd, Jeff Perry, and Brian Regan for insights that go beyond the headlines. #InvestingInsights #MarketTrends #MediaMerger #WarnerBrosDeal #EconomicUpdate #InflationWatch #FinancialPodcast #StreamingWars #ChrisBoydShow #PortfolioStrategy For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
As the year draws to a close, it's the perfect time to review your portfolio and ensure your investments align with your goals. In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and Brian Regan to discuss why year-end reviews matter and what investors should consider before heading into 2026. From rebalancing and active allocation strategies to adjusting for life events, we explore how disciplined portfolio management can help you stay on track. We also touch on market trends, risk profiles, and why diversification matters more than ever. Whether you work with an advisor or manage your own investments, this conversation offers practical insights to help you make informed decisions. Tune in to learn how to position your portfolio for success in the coming year.
#PortfolioReview #YearEndPlanning #InvestmentStrategy #AssetAllocation #FinancialPlanning #WealthManagement #MarketInsights #Rebalancing #SomethingMorePodcast #MoneyMatters
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
What does 2026 have in store for the economy, markets, and your money? In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry, Russ Ball, and Brian Regan to share their bold predictions for the year ahead. From the Federal Reserve's recent quarter-point rate cut to the possibility of multiple cuts next year, we explore what these moves could mean for borrowing costs, mortgages, and investment strategies. Will inflation stay stubbornly above 3%? How about GDP and the Stock Market? Could home prices actually decline by 5%? And how might a new Fed Chair appointment shake up monetary policy? Our team dives into the data, the dissent within the Fed, and the political dynamics that could influence economic outcomes. If you want insights on interest rates, housing trends, and the forces shaping 2026, this episode is packed with valuable perspective.
#EconomicPredictions #2026Forecast #InterestRates #InflationTrends #HousingMarket #FedPolicy #FinancialPlanning #MarketInsights #SomethingMorePodcast #WealthManagement
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
As 2025 races to a close, year-end tax planning takes center stage, especially with the sweeping changes from the One Big Beautiful Bill Act. In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and Russ Ball from the AMR team at Wealth Enhancement to unpack what these changes mean for you. From strategic IRA withdrawals and managing Required Minimum Distributions (RMDs) to leveraging qualified charitable distributions, we explore how seniors and service industry workers can benefit from new deductions and credits. Plus, we dive into the expanded SALT deduction, temporary tax breaks, and why "taxes are on sale" right now. Whether you're planning for retirement or simply want to maximize your refund, these insights can help you make informed decisions before the year ends. Tune in and learn how to turn tax law changes into financial opportunities.
#YearEndTaxPlanning #TaxStrategies #FinancialPlanning #RetirementPlanning #TaxTips #WealthManagement #OneBigBeautifulBill #TaxSavings #MoneyMatters #SomethingMorePodcast
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and special guest Dr. Roger Landry to explore the powerful connection between stress, health, and financial well-being. They dive into why stress is a leading contributor to disease and how lifestyle choices, not just genetics, shape healthy longevity. From movement and social connection to purpose and lifelong learning, Dr. Landry shares practical insights for living a vibrant life in retirement. The conversation also highlights how financial planning can reduce anxiety and provide "permission" to enjoy life without fear of running out of resources. Tune in for strategies to thrive physically, mentally, and financially throughout your retirement journey.
#HealthyLongevity #RetirementPlanning #StressManagement #FinancialWellness #PurposefulLiving #SomethingMorePodcast #HealthyRetirement #financialplanning
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
For more on Dr. Landry, please visit his website at: https://www.livelongdieshort.com/
Not all "financial planning" is created equal. In this episode of Something More with Chris Boyd, Chris, Jeff Perry, and Russ Ball unpack how to tell if you are getting real financial advice or just a sales pitch for someone wanting you to buy their product. From free dinner seminars to promises of "guaranteed income" and "market risk elimination," we explore the red flags, the hidden costs of annuities, and why fiduciary advice matters. Plus, practical tips for checking an advisor's background and ensuring your financial plan is truly in your best interest. Don't get sold a product you may regret owning later – be an educator consumer and only work with a fiduciary.
#FinancialPlanning #Fiduciary #InvestorEducation #RetirementPlanning #Annuities #WealthManagement #MoneyMatters #ChrisBoyd #SomethingMorePodcast #FinancialAdvice #RiskManagement #SmartInvesting For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
As the holiday season kicks off with Giving Tuesday, Chris Boyd and Jeff Perry dive into the spirit of generosity and the financial strategies behind charitable giving. From supporting local nonprofits to understanding tax implications and bundling deductions, this episode explores how to make your giving more impactful - both for the causes you care about and your financial plan.Tune in for practical tips and insights to navigate charitable contributions during this festiveseason.
#GivingTuesday #SeasonOfGiving #CharitableGiving #FinancialPlanning #TaxTips #HolidayGiving #Nonprofits #Philanthropy #MoneyMatters #ChrisBoydPodcast
For more information or to reach TEAM AMR, click the following link:
https://www.wealthenhancement.com/advisor-teams/amr-team
Medicare open enrollment can feel overwhelming, especially with endless ads and confusing options. In this episode of Something More with Chris Boyd, Chris and Jeff Perry welcome returning guest and Medicare expert Marcia Mantel to break it all down. From understanding Parts A, B, C, and D to making smart choices before the December 7th deadline, Marcia shares practical tips to avoid costly mistakes and penalties. Plus, we touch on Social Security updates and what's ahead for retirees. If you're approaching Medicare decisions or helping a loved one, this conversation is packed with clarity and actionable advice.
#MedicareEnrollment #RetirementPlanning #FinancialWellness #MedicareMadeSimple #OpenEnrollment #SocialSecurity #MoneyMatters #ChrisBoydPodcast #HealthcarePlanning #SeniorLiving For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
November is Long-Term Care Awareness Month - which makes it a perfect time to tackle one of the most overlooked yet critical aspects of financial planning. In this episode of Something More with Chris Boyd, Jeff Perry, and Russ Ball join Chris to discuss the real challenges families face when long-term care becomes necessary. From understanding what long-term care really means, to the staggering costs, insurance options, and the impact on your financial security, we break down what you need to know to prepare wisely. Do not ignore this risk as 70% of retirees will need some form of care. Tune in for practical insights and strategies to protect your wealth and peace of mind. #LongTermCare #FinancialPlanning #RetirementPlanning #WealthManagement #Insurance #CareCosts #AgingWell #FinancialSecurity #ChrisBoyd #SomethingMorePodcast #MoneyMatters #RiskManagement For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
In this episode of Something More, Chris Boyd and Brian Regan dive into the big questions oninvestors' minds: fears of a market crash, dollar dominance, government debt, and inflation. But it is not all doom and gloom - NVIDIA's blockbuster earnings call has the market buzzing, with staggering growth projections and margins that defy expectations. Plus, a surprise jobs report adds fuel to the optimism. We will explore what this means for AI, energy demands, and the future of investing. Stay tuned for insights you will not want to miss! #Investing #Markets #AI #NVIDIA #Earnings #DollarDominance #Inflation #TechStocks #FinancialPodcast #ChrisBoyd #EconomicTrends #StockMarket #JobsReport For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team
In this episode of Something More with Chris Boyd, we tackle several hot topics impacting investors and everyday financial decisions. From the recent government shutdown and its ripple effects to the controversial proposal for 50-year mortgages, we explore what these developments mean for your financial future. Plus, we dive into the Kyle Busch lawsuit over indexed universa life insurance and the related consumer lessons of having a full understanding of what you are buying and don't simply rely of what a salesperson is saying. Join us for practical insights, fiduciary perspectives, and strategies to navigate today's complex financial landscape.
#SomethingMorePodcast #FinancialInsights #GovernmentShutdown #MortgageTrends #InsuranceAwareness #InvestorEducation #WealthManagement #FinancialPlanning #MoneyMatters #FiduciaryAdvice For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
"K" Shaped Economy: Market Momentum vs. Economic Headwinds In this episode of Something More with Chris Boyd and Jeff Perry, Brian Regan unpacks the bifurcated state of today's economy as he outlines a recent Q4 Economics and Market Outlook Webinar. While markets are soaring, signs of slowing in job growth and rising debt tell a different story. We also dive into the constitutional debate over tariffs, explore how interest rates shape investment strategies, and revisit timeless market maxims like "Don't fight the Fed" and "The trend is your friend." Whether you are curious about portfolio fundamentals or the broadereconomic outlook, this conversation offers clarity and actionable insights. #SomethingMorePodcast #MarketInsights #EconomicTrends #InvestingWisely #FinancialPlanning #InterestRates #TariffsDebate #BullMarket #PortfolioStrategy #WealthManagement AMR Team Webinar | Q4 Economics and Market Outlook link:
https://www.youtube.com/watch?v=Nz2oeEBDPm4&list=PLzxw58ckeLybSvPMh2C7p9dcRTL uyB3N6
For more information or to reach TEAM AMR, click the following-https://www.wealthenhancement.com/s/advisor-teams/amr
Stock Market Highs, Risks, and Uncertainty: Navigating Market Volatility
In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and Russ Paul from the AMR team to tackle the big questions surrounding today's markets. With stocks hitting new highs, excitement is in the air, but so is risk. We explore what could shake investor confidence, from prolonged government shutdowns and missing economic data to geopolitical tensions and Supreme Court decisions. Plus, we share practical strategies for both retirees and accumulators: when to rebalance, how to manage liquidity, and why time in the market beats timing the market. If uncertainty makes you nervous, this conversation will help you keep perspective and stick to your financial plan.
#FinancialPlanning #MarketRisk #InvestingWisely #StockMarket #RetirementPlanning #DollarCostAveraging #AMRTeam #SomethingMorePodcast #EconomicUncertainty #WealthManagement #PortfolioStrategy #WealthManagement #ChrisBoyd #JeffPerry #RussBall #FinanicialPlanning #Inthenews #Governmentshutdown
Market Crashes, AI, and Risk Management: A lot has changed since 1929 In this episode of Something More with Chris Boyd, Chris sits down with Jeff Perry to unpack the growing buzz around Andrew Ross Sorkin's new book 1929 and the anxiety related to some investors who fear the next market slide. Are we headed for another catastrophic market crash? Chris and Jeff explore what made the 1929 crash so severe, why today's markets are fundamentally different, and what lessons history offers for managing risk. They also dive into modern concerns like tech-driven valuations, AI's role in fueling market optimism, and practical strategies for protecting your portfolio. Topics discussed include liquidity buffers, diversification, asset allocation, rebalancing and stress testing. If you've been wondering how to prepare for uncertainty, this episode is packed with insights you won't want to miss. #FinancialPlanning #MarketCrash #InvestingWisely #RiskManagement #PortfolioStrategy #AIandMarkets #1929Lessons #WealthManagement #ChrisBoyd #JeffPerry #FinanicialPlanning #Divesification For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Smart Moves Before Year-End: Tax Strategies for Retirees & Investors
In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry to explore essential year-end tax planning strategies that can help investors and retirees avoid penalties and optimize their financial outcomes. Whether you're managing your own portfolio or working with a financial advisor, this episode is packed with actionable insights to help you finish the year strong and prepare for what's ahead, including How to avoid IRS penalties through proper withholding and estimated payments -The hidden tax consequences of mutual fund capital gains -Strategic use of Required Minimum Distributions (RMDs) -The power of Qualified Charitable Distributions (QCDs) -Roth conversions and how they can reduce future tax burdens -Tax-loss harvesting and other overlooked opportunities -Temporary tax benefits under current legislation and why timing matters
#YearEndPlanning #TaxStrategies #RMDs #RothConversion #QCD #TaxLossHarvesting #FinancialPlanning #RetirementTaxTips #WealthEnhancement #ChrisBoydPodcast #InvestSmarter #PortfolioStrategy #ChrisBoyd #JeffPerry #AMRTeam
https://www.kiplinger.com/taxes/what-you-should-do-before-2026-because-of-obbba-changes
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Markets, Shutdowns, Trumps trip to Asia - What Investors Need to Know In this episode, host J. Christopher Boyd is joined by Jeff Perry of the AMR team at Wealth Enhancement to unpack the latest headlines and their implications for investors. From the ongoing government shutdown and its ripple effects on economic data and SNAP benefits, to the Federal Reserve's recent rate decision made without key government data, we explore how these developments may influence portfolio decisions heading into the final quarter. They also dive into the Social Security cost-of-living adjustment, Medicare premium changes, and the broader healthcare inflation landscape. Plus, Chris and Jeff touch on international trade updates from the President's trip to Asia, including rare earth agreements and tariff negotiations with China. Whether you're a seasoned investor or just keeping an eye on the markets, this episode offers timely insights to help you stay informed and proactive.
#InvestingInsights #MarketUpdate #GovernmentShutdown #FederalReserve #SocialSecurity #MedicarePremiums #EconomicOutlook #FinancialPlanning #WealthEnhancement #TradeTalks #PortfolioStrategy #ChrisBoyd #JeffPerry #AMRTeam
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Retire Often: Mini-Retirements for a Richer Life with Jillian Johnsrud In this episode of Something More with Chris Boyd, host Jay Christopher Boyd is joined by AMR team members Jeff Perry and Russ Paul, along with special guest Jillian Johnsrud, author of Retire Often. In this episode, we explore Jillian's unique approach to creating a fulfilling life through mini-retirements or short breaks that can boost your career trajectory, improve work-life balance, and help you rediscover joy. Jillian shares practical strategies for planning these breaks, overcoming fears about career disruption, and even leveraging time off to increase lifetime earning potential. If you have ever wondered how to avoid burnout, make bold life choices, and still stay financially secure, this conversation and her new book "Retire Often" might just be for you. To learn more about Jillian and "Retire Often" check out the link below: https://retireoften.com/ #RetireOften #MiniRetirement #WorkLifeBalance #FinancialPlanning #CareerGrowth #LifestyleDesign #WealthEnhancement #Podcast #PersonalFinance #LifePlanning #WealthManagement #RetirementPlanning #FinancialAdvisor #Podcast #chrisBoyd #jeffperry #jillianjohnsrud For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Unlocking Business Wealth: Exit Planning & Financial Planner Standards with Paul Brahim
In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and special guest Paul Brahim, Managing Director and Financial Advisor at Wealth Enhancement in Pittsburgh. Paul, a CFP® and CEPA®, shares decades of experience guiding CEOs and business owners through retirement planning, succession strategies, and financial wellness. We dive into the critical topics of "Title" protection for financial planners and why legal and regulatory standards matter for the profession. Next up is an engaging conversation about "Exit Planning" for business owners, including how to unlock wealth, create liquidity, and align business decisions with personal goals.
#FinancialPlanning #ExitPlanning #BusinessOwners #SuccessionPlanning #CFP #CEPA #WealthManagement #RetirementPlanning #FinancialAdvisor #Podcast #chrisBoyd #jeffperry #paulbrahim #wealthenhancement
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Compelling Reasons You Need a Financial Advisor This week, Jeff Perry sits in for Chris Boyd and is joined by co-host Russ Ball, both part of the AMR team at Wealth Enhancement Group. Inspired by Christine Benz's Morningstar article, "Why I Have a Financial Planner," Jeff shares his personal journey from DIY financial planning to becoming a client and eventually a team member of the AMR Team. Together, Jeff and Russ explore the value of getting a second opinion on major financial decisions, the importance of stress-testing your retirement plan, and the different compensation models in the financial advisory world. They also offer practical advice on how to evaluate a financial advisor, including the three essential questions every investor should ask. Whether you are managing your own finances or considering professional guidance, this episode offers insights that could help you uncover blind spots and make more confident decisions about your financial future.
#FinancialPlanning #WealthManagement #JeffPerry #RussBall #ChristineBenz #FinancialPlan #ChrisBoyd #WealthEnhancementGroup #Preparedness #FamilyFinance #FinancialAdvisor
To read Christine Benz' article, click the link below: https://www.morningstar.com/personal-finance/why-i-have-financial-planner
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Jeff Perry and Russ Ball explore 7 ways to save Social Security as outlined in Jeff's recent article linked below. While there is not a single solution that is likely to address Social Security's funding challenges on its own, there are many potential approaches to the looming reduction in benefits. To gain the public and political support needed, a combination of strategies to both increase revenue and contain cost reductions will likely be needed. There is no doubt that implementing meaningful long-lasting changes to Social Security will require public support and political courage. Whether or not President Trump and Congress will touch the "third rail" of politics or "kick the can down the road" is anyone's guess. For the survival of Social Security as we know it, let's hope reform is sooner rather than later. While you might not prefer some of the options discussed, Jeff and Russ make a compelling case that doing nothing is not a good plan.
#FinancialPlanning #WealthManagement #SocialSecurity #JeffPerry #RussBall #ChrisBoyd #WealthEnhancementGroup #Preparedness #FamilyFinance
Click the link below to review Jeff's article on Saving Social Security: https://www.wealthenhancement.com/node/139041
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Are you ready for year-end financial planning? In this episode of Something More with Chris Boyd, Chris and Russ Ball dive into the essential strategies you should be considering before December 31st. From navigating Required Minimum Distributions (RMDs) and Roth conversions to maximizing retirement contributions and leveraging Qualified Charitable Distributions (QCDs), this episode is packed with actionable insights. Whether you're retired, still working, or managing inherited IRAs, you'll learn how to: Avoid costly RMD mistakes Use QCDs to reduce taxable income Harvest tax losses and manage capital gains Maximize work plan contributions (including the new "super catch-up"!) Plan Roth conversions strategically Revisit Medicare Advantage options Update beneficiaries and estate plans Don't miss this timely conversation that could save you money and help you finish the year financially strong. Listen now at SomethingMoreWithChrisBoyd.com or wherever you get your podcasts. #YearEndPlanning #FinancialFreedom #RMDs #RothConversion #TaxSmart #RetirementPlanning #QCD #CapitalGains #EstatePlanning #MedicareEnrollment #FinancialAdvisor #WealthEnhancement #ChrisBoydPodcast #MoneyMatters
Is the economy headed for a slowdown; or a tech-fueled boom? In this episode of Something More with Chris Boyd, Chris is joined by Russ Ball and Brian Regan, Senior Portfolio Manager at Wealth Enhancement Group, for a deep dive into the economic outlook heading into Q4. They unpack: The hidden drag of tariffs, student loans, and slowing job growth The explosive growth of AI infrastructure and its market impact Why utilities and semiconductors may be the “picks and shovels” of the AI boom How a steepening yield curve could benefit regional banks The surprising strength of gold and long-term bonds Portfolio strategies to balance risk and opportunity Whether you're concerned about recession risks or excited by the AI revolution, this episode offers a thoughtful, data-driven perspective on how to position your investments for the months ahead. Listen now at SomethingMoreWithChrisBoyd.com or wherever you get your podcasts. #Q4Outlook #MarketInsights #AIInvesting #TariffImpact #PortfolioStrategy #FinancialPlanning #ChrisBoydPodcast #WealthEnhancement #GoldInvesting #YieldCurve #RegionalBanks #InvestmentOutlook #EconomicUpdate #SmartInvesting
Beyond the Numbers: Finding Purpose in Retirement with Fritz Gilbert In this episode of Something More with Chris Boyd, Chris Boyd and Jeff Perry welcome Fritz Gilbert, author of The Retirement Manifesto blog and the book, Keys to a Successful Retirement. Together, they explore the emotional and psychological journey of retirement and what happens after you hit your financial goals. Fritz shares insights from his own experience and research, including the four phases of retirement, the surprising link between retirement and depression, and how identity, purpose, and relationships play a critical role in a fulfilling post-career life. Whether you are nearing retirement or advising someone who is, this conversation offers valuable guidance on preparing for the non- financial aspects of the transition.
#RetirementPlanning #PurposeInRetirement #FritzGilbert FinancialPlanning #TheRetirementManifesto #FinancialFreedom #LifeAfterWork #RetirementTransition #IdentityAndPurpose #KeysToRetirement https://www.theretirementmanifesto.com/retirement-success/ For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Who You Gonna Call? ... Not Ghostbusters In this episode of Something More with Chris Boyd, Chris is joined by Jeff Perry and Russ Ball from the AMR team at Wealth Enhancement. The dialogue begins with brief commentary on the ongoing Government Shutdown and the potential economic impacts. Next, they dive into the crucial but often overlooked aspect of financial and estate planning. The conversation focuses on organizing your assets and key contacts for life's unexpected moments. From digital accounts and estate documents to everyday service providers and emergency contacts, they explore how a simple “Who to Call” list can make a world of difference for your loved ones. The trio reflects on insights from our recent webinar with Digital Wrangler Kate Huffnagle - check the show notes for a link! Whether you are the one managing the household finances or just want to ensure your family is prepared, this episode is packed with practical advice to help you get organized and stay ready. #FinancialPlanning #EstatePlanning #DigitalLegacy #WealthManagement #ChrisBoyd #WealthEnhancementGroup #Preparedness #FamilyFinance #LegacyPlanning Click the link below to review the recent episode with the Digital Wrangler: https://www.youtube.com/watch?v=hzaB0ubhqPI&list=PLzxw58ckeLybSvPMh2C7 p9dcRTLuyB3N6&index=69 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
In this episode of Something More with Chris Boyd, Jeff Perry, and Russ Ball join Chris to tackle the challenges of concentrated stock positions and embedded capital gains. Whether it is legacy shares, inherited assets, or long-held business equity, these situations can create significant tax and portfolio risk. The team explores smart strategies to manage exposure, reduce volatility, and navigate tax implications without necessarily selling. This episode is a must-listen for investors facing concentrated positions or advisors helping clients preserve wealth while minimizing tax burdens. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr #CapitalGains #ConcentratedStock #TaxPlanning #InvestmentStrategy #PortfolioRisk #WealthManagement #FinancialPlanning #EstateStrategy #OptionsHedging #AssetAllocation
In this episode, Chris Boyd and Jeff Perry of the AMR team at Wealth Enhancement welcome special guest Joe Gaj, Director of Insurance, for a deep dive into how life insurance can play a pivotal role in retirement planning. From pension maximization strategies to hybrid long-term care solutions, they explore how retirees can protect their loved ones, preserve wealth, and manage healthcare risks. Whether you are nearing retirement or advising those who are, this conversation offers essential insights into modern insurance planning. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr #RetirementPlanning #LifeInsurance #PensionMaximization #LongTermCare #HybridLTC #WealthPreservation #FinancialWellness #InsuranceStrategies #EstatePlanning #FinancialPlanning
The 0.01% Rule and Why Upward Mobility Feels Out of Reach In this episode of Something More with Chris Boyd, Chris, Jeff Perry, and Brian Regan unpack a simple yet powerful spending guideline of the “0.01% Rule”. The trio explores how it can help you make quick, confident financial decisions without overthinking. But the conversation doesn’t stop there. Brian attempts to explain why so many young Americans feel stuck in their standard of living, the generational and structural challenges that shape financial choices, and the trade-offs families face when balancing childcare, housing, education, healthcare, and career opportunities. Whether you’re early in your career, approaching retirement, or somewhere in between, this episode offers perspective, strategies, and a reminder that financial planning is as much about values as it is about numbers. #PersonalFinance #MoneyTips #FinancialPlanning #WealthBuilding #UpwardMobility #GenerationalWealth #EconomicTrends #LifeChoices #RetirementPlanning #FamilyFinance #CostOfLiving #MoneyMindset
To read Brian’s article, click the link below: https://www.linkedin.com/pulse/why-economic-vibes-off-brian-regan-cfa-mba-fbi0e/
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
From Highs to Headwinds: Navigating the Economy’s Crosscurrents In this episode of Something More with Chris Boyd, Chris and co-host Jeff Perry sit down with Senior Portfolio Manager Brian Regan to unpack the economic “headwinds” that could challenge today’s market highs. From the ripple effects of tariffs and their $800B impact on consumers, to the economic consequences of shifting immigration patterns, student loan repayments, and rising wages, the conversation dives deep into the data, the Fed’s balancing act, and the looming question of recession risk. Whether you’re an investor, business owner, or simply curious about where the economy is headed, this episode offers a grounded, data-driven look at the forces shaping our financial future.
#Economy #Markets #Investing #Tariffs #Inflation #RecessionRisk #FederalReserve #EconomicOutlook #PortfolioManagement #FinancePodcast #MarketAnalysis #InterestRates #EconomicHeadwinds #Headwinds #WallofWorry #FinancialPlanning #Investing
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Digital Wrangling: Securing Your Online Legacy In this episode, Chris Boyd and Jeff Perry from the AMR team at Wealth Enhancement sit down with Kate Hufnagle, the “digital wrangler,” to unpack the world of digital assets. Far beyond cryptocurrency, our guest explains how every email, social media profile, cloud storage, and even auto-ship subscriptions form part of your digital estate. Kate walks us through real-world examples, from photos saved on your phone to streaming services tied to your account and explains why it is critical to think about who can access your devices when you are no longer able. We also tackle the sticky challenges of incapacity: durable powers of attorney, the limitations of terms of service agreements, and the conversations you need to have now to spare your family headaches later. By the end of this episode, you will have a clear roadmap for making an inventory of your digital footprint, designating trusted contacts, and weaving your online life into your broader estate plan.
#FinancialPlanning #DigitalLegacy #DigitalAssets #EstatePlanning #TechTalk
For Kate’s freebie (My Estate & Life Organizer), click the following link: https://www.thedigitalwrangler.com/
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
In the News - Google’s Court Ruling, Stablecoin Regulation, and Presidential Power
In this episode of Something More, Chris Boyd joins Jeff Perry and Brian Regan to unpack headline-making developments. First, they break down the recent antitrust remedy imposed on Google and what it means for the internet search monopoly, AI partnerships and exclusive contracts. Then, they dive into the new “Genius Act” framework for stablecoins, exploring how backed digital dollars, smart contracts and blockchain validators could transform cross-border payments and usher in real-world revenue streams. The episode concludes with a fast-paced enthusiastic exchange of various news items related to presidential power.
#GoogleAntitrust #StablecoinRegulation #FintechNews #BlockchainInsights #DigitalAssets #IntheNews #FinancialPlanning #PresidentialPower
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Estate Planning Reimagined: From Step-Up Basis to Blockchain Governance Chris Boyd and Jeff Perry welcome returning guest F. Keats Boyd III to unpack advanced estate planning strategies that go far beyond drafting a simple will. They explore how revocable trusts, step-up in basis rules, and beneficiary-focused tax planning can keep wealth concentrated and shielded from high trust tax rates. Next, the trio dives into family governance tools, from legacy letters and constitutions to LLC structures for managing shared assets like vacation homes without friction. Finally, they introduce the revolutionary potential of blockchain-based DAOs for anonymous, transparent multigenerational wealth stewardship. To sign up for one of Keat’s upcoming seminars, click the link below:
www.youresvp.com and enter the code: CEGBUS
#EstatePlanning #TrustsAndTaxes #FamilyGovernance #StepUpInBasis #LLCStrategies #BlockchainDAO #WealthPreservation #FinancialPLanning
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Maximize Your Match: Celebrating National 401(K) Day In this episode of Something More, Chris Boyd sits down with Jeff Perry and Russ Ball to celebrate National 401(K) Day and unpack the true power of your workplace retirement plan. You will learn why pre-tax contributions reduce your taxable income now, how Roth options let your savings grow tax-free, and exactly why missing out on an employer match is like leaving cash on the table. We will also cover contribution limits, catch-up provisions for those over fifty, and strategies for combining traditional and Roth accounts to optimize your tax liability in retirement. Whether you are just starting your first job or looking to turbocharge your savings before year-end, this episode delivers the insights you need to make every dollar work harder for your future.
#National401KDay #RetirementPlanning #EmployerMatch #TaxStrategy #RothVsTraditional #FinancialWellness #CompoundGrowth #FinancialPlanning
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Peace of Mind: Navigating Healthcare As You Age – Join Jeff Perry as he welcomes Jen Mahoney, Director of Care Management for Live Well Care Management. In this candid conversation, you will discover why healthcare emergencies are not always “somebody else’s” problem and how having a dedicated advocate can make all the difference when navigating hospital stays, new diagnoses, or long-term care planning. In this episode, you will learn more about: -The ideal moment to involve a care manager. -Common triggers that prompt adult children to seek guidance for aging parents. -How care managers assess levels of support. -The pitfalls of waiting until your loved one’s care needs outgrow their current living arrangements.
To contact Jen Mahoney, see the website and email address below: Livewellcm.com jennifer.mahoney@livewellcm.com
RetirementPlanning #RetireSmart #caremangement #assistedliving #healthcareforseniors #FinancialPlanning #RetirementGoals #RetirementLifestyle Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Gold Fever: Myths, Memories, and Market Reality - Guest host Jeff Perry sits down with senior portfolio manager Brian Regan to unpack why gold still captures investors’ imaginations and also their dollars. From the historic change in the Gold Standard at Bretton Woods and the Nixon shock to today’s headlines and Costco’s unexpected bullion boom, Jeff and Brian explore the real drivers behind gold’s rise, the role of investor psychology, and the facts (and fictions) about the link to inflation and the dollar. Plus, the geopolitical twists that may shape where gold goes next and why it might be more speculation than an actual safe haven. #financialplanning #investing #gold #retirementplanning #speculation #goldfever #financialrisk #illiquidity See Brian’s article on Gold at the link below: https://www.wealthenhancement.com/pdf/gold-beyond-the-myths
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Navigating love, legacy, and liquidity- this episode of Something More with Chris Boyd dives deep into the financial complexities of second marriages, blended families, and estate planning. Chris and Russ Ball explore how to protect your wealth, honor your relationships, and make smart decisions about cash flow, prenuptial agreements, and retirement readiness. Whether you're newly remarried or simply rethinking your financial future, this episode offers clarity, compassion, and actionable advice.
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In this episode of Something More with Chris Boyd, Chris and Russ Ball unpack the political drama surrounding the Federal Reserve and its embattled Chair, Jerome Powell. From historical power struggles to current-day maneuvering by the president, they explore how monetary policy, interest rates, and central bank independence shape the economy- and your portfolio. With echoes of Nixon-era stagflation and Volcker’s radical reforms, this episode offers a compelling look at why the Fed matters more than ever.
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5 Questions to Answer Before Retiring Early
Thinking about retiring early?
Before you hand in your notice and book that dream vacation, make sure you have asked yourself the right questions. In this episode of Something More with Chris Boyd, Chris, Jeff Perry, and Russ Ball explore critical considerations that can make or break your early retirement plans. From financial readiness to lifestyle planning, this conversation is packed with practical insights and candid advice. Listen now and make sure your retirement plan is more than just a spreadsheet.
#EarlyRetirement #RetirementPlanning #FinancialFreedom #RetireSmart #PlanToRetire #FinancialPlanning #RetirementGoals #LifeAfterWork #RetirementLifestyle Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Alternative Assets in Retirement Plans: Good or Bad Idea?
In this episode of Something More, Chris Boyd is joined by Jeff Perry and Russ Ball to unpack the hidden world of private equity and private credit. Following President Donald Trump signing an executive order that clears a path for alternative assets to be added into 401k’s, the trio discuss how these off- exchange assets differ from familiar public stocks and bonds highlighting the trade-off between potentially higher returns and the pitfalls of illiquidity, opaque valuations, and concentrated deal flow. Chris, Jeff and Russ debate the risks of giving everyday retirement savers access to cryptocurrency, and private credit, especially when most investors lack the tools and experience to understand the risks and assess these investments properly.
#financialplanning #investing #401K #retirementplanning #privatecredit #cryptocurrency #financialrisk #privateequity #illiquidity
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Boomers, Benefits & the Budget: What’s Next for Social Security? In this timely and informative episode of Something More with Chris Boyd, Social Security expert Marcia Mantell (see link below) returns and joins Chris Boyd and Jeff Perry to unpack recent legislative changes, dispel common myths, and offer practical guidance for retirees, widows, and public employees navigating the evolving Social Security landscape. Highlights from this episode include: -The surprising passage of the Social Security Fairness Act and what it means for public sector retirees and surviving spouses. -Clarifying confusion around Social Security taxation and the impact of the One Big Beautiful Bill. - What do the latest actuarial projections mean for Social Security’s solvency and your future benefits? -Why claiming early may not be the best move, despite alarming headlines. - Creative policy ideas and political realities that could shape Social Security reform. -How immigration, demographics, and industry pressure may influence the future of retirement benefits. Whether you are planning your own retirement or advising others, this episode offers essential insights to help you make informed decisions and prepare for what is ahead. #OBBB #BBB #incometaxes #socialsecurity #socialsecurityreform #socialsecurityfairness #immigrationreform
https://boomerretirementbriefs.com/meet-marcia/
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Taxes, Tech & Tangents- A Financial Mishmash-n this eclectic and engaging episode of Something More with Chris Boyd, Chris Boyd and Jeff Perry cover a wide range of timely topics- from nostalgic movie favorites to serious financial planning insights. Topics include: -A preview of the upcoming webinar on managing your digital footprint and estate planning in a tech-driven world (see link below to register). -A timely reminder about National Financial Awareness Day and six smart steps to improve your financial health. -A deep dive into the Rule of 55 for early retirees and how to access retirement funds penalty-free. Don’t get too excited, this is often not a prudent financial option. -Updates on recent cryptocurrency legislation and what it means for investors and consumers. #financialplanning #investing #401K #403B #IRAs #529s #nationalfinancialawarenessday #ruleof55 #retiringearly #cryptocurrency Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Long-term Care Insurance: One size does not fit all
Linda Thalheimer of Long Life Planning (see website link below) joins Jeff Perry and Russ Ball to dig into the topic of long-term care insurance. The podcast begins with a detailed discussion of who needs long-term care insurance. Linda answers questions regarding how these policies work, what they cover, and typical limits. The conversation shifts to an in-depth conversation about new and hybrid policies that can work in certain circumstances.
#financialplanning #longtermcare #longtermcareinsurance #estateplnning #homecare #assistedliving www.longlifeplanning.com Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Mail Bag: Avoiding beneficiary IRA taxes, OBBB, tax deductions, and 529 planning
Jeff Perry and Russ Ball tackle questions from listeners and clients.
To start this episode, Jeff and Russ discuss options for beneficiaries of IRAs who wish to avoid income taxes.
Next up is a series of questions resulting from the passage of President Trump’s “One Big Beautiful Bill’ to include how the new senior tax deduction works and the details on the changes to taxes on tips and overtime.
The episode ends with a question from a parent who is worried about market risk in their son’s 529 account.
#financialplanning #investing #stockmarket #OBBA #BBA #incometaxes #IRAs #529s #beneficiary #seniortaxdeduction #taxesonovertime #taxesontips
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Portfolio Pitfalls: 5 Mistakes You Can’t Afford to Make – Timing the market, lack of international equity exposure, taking on too much investment risk, attempting to predict the movement of interest rates, and lacking protection against inflation are just some of the mistakes many investors can make. Chris Boyd, Jeff Perry, and Russ Ball offer advice on these issues and others as they explore how common portfolio mistakes can derail retirement plans. See below a link to a related Morningstar article.
#financialplanning #investing #stocks #bonds #stockmarket #investormistakes #inflation #markettiming #internationalinvesting #investmentrisk #interestrates
https://www.morningstar.com/personal-finance/5-investment-portfolio-mistakes-avoid
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Memories Over Money: A New Take on Wealth Transfer – Chris Boyd, Russ Ball and Jeff Perry dig into a wide variety of issues and conflicts concerning how people plan and spend, or don’t spend their accumulated wealth. Topics include funding a college education, paying for long-term care, or simply treating your family with gifting; there are plenty of ways to use your hard-earned wealth. In the context of a comprehensive financial plan, the trio offers advice and best practices to ensure your desired legacy and financial priorities are achieved. See below a related Kiplinger article. #financialplanning #investing #stocks #bonds #stockmarket #legacy #gifting #goals #estateplanning https://www.kiplinger.com/retirement/estate-planning/holding-wealth-why-retirees-shouldnt- focus-on-leaving-an-inheritance Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
When to Buy Municipal Bonds – Municipal bonds are debt securities issued by governmental entities to finance public projects like schools, highways, or water systems. For investors seeking stability and tax advantages, municipal bonds can be an appealing component of a diversified portfolio. However, as with any investment, they are rarely a good choice as their suitability depends on individual circumstances, risk tolerance, and broader market conditions. Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry to review if and when municipal bonds are right for your portfolio. #bonds #municipalbonds #investing #financialplan #diversification Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
How to Stay Safe From Identity Theft and Cybercrime – Chris Boyd and Jeff Perry welcome Jeff Lanza (see link below) to the podcast. Mr. Lanza was a FBI Special Agent for over 20 years, during which he investigated cybercrime, organized crime, human trafficking, and terrorism. Listen to an in-depth conversation on how criminals often use greed and fear to victimize even the most educated people. Mr. Lanza offers insights and preventative tactics to avoid falling for a scam. #scams #identitytheft #romancescams #cybersecurity #creditfreeze #phishing
www.theLanzaGroup.com
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
OBBB Is Law, So What’s In It? – Chris Boyd and Jeff Perry get into the weeds of the One Big Beautiful Bill recently signed by President Trump. The episode begins with a broad overview of the Trump agenda that was included in the OBBB, including additional funds for the military, border security, and an extension of the tax cuts. Jeff highlights that many provisions of the OBBB are favorable towards the low and moderate income workforce, such as reforms to taxes on tips, overtime, families with children, and seniors. Chris and Jeff discuss the raising of the debt ceiling and the long-term concerns of the rising national debt. #BBB #OBBB #taxcuts #debtceiling #financialplanning #incometaxes Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Focus on the 2nd Half – As we enter the second half of 2025 with the stock market at record high levels, Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry for a detailed review of the first half of the year and an outlook for the remainder of 2025. With a focus on valuation metrics, Brian offers general commentary on the stock market as well as specific sectors, including utilities and semiconductors. Brian also provides thoughts on the importance of “AI” relative to the growth in corporate earnings. Chris inquires with Brian whether international stocks are worthy of consideration. #financialplanning #geo-political #stockmarket #utilitystocks #semiconductors #corporateearnings #stocks #internationalstocks
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.”
https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Taxes, Timing, and Total Wealth – A Holistic Approach In this insightful episode of Something More with Chris Boyd, Chris and Russ Ball explore the critical role of integrated financial planning—where tax strategy, investment management, and life goals come together to create a truly comprehensive approach to wealth. What you’ll learn: * Why tax planning is more than just filing—it’s about lifetime strategy * The importance of tax diversification: tax-deferred, taxable, and tax-free accounts * How Roth conversions, charitable giving, and gifting can be optimized * Strategies for managing concentrated stock positions and capital gains * How timing decisions—like when to take Social Security or sell a business—can shape your financial future
Whether you're planning for retirement, managing a windfall, or simply want to make smarter financial decisions, this episode offers practical insights to help you align your money with your life. Tune in now and discover how a holistic approach can help you build, preserve, and enjoy your wealth.
2025 At The Half – A Mid-Year Market Check-In As we hit the halfway mark of 2025, Chris Boyd and Russ Ball of the AMR team at Wealth Enhancement take a thoughtful look at the year’s financial journey so far. From market volatility and tariff tensions to geopolitical shifts and AI-driven optimism, this episode dives into the key forces shaping the investment landscape. Get insights on: * Market performance across major indices and asset classes * The impact of global trade negotiations and political uncertainty * Sector trends, valuation concerns, and portfolio positioning * Why now might be the right time to reassess your risk tolerance
Whether you're a seasoned investor or just trying to make sense of the headlines, this episode offers clarity, perspective, and practical advice to help you navigate the rest of the year with confidence. Tune in and keep striving for something more.
The Purpose Code – Worried about your purpose? Most people are. But no one has to be Chris Boyd and Jeff Perry welcome Dr. Jordan Grumet, M.D. (see website link below) for a lively discussion about Dr. Grumet’s self-improvement book “The Purpose Code” which shows how to make your mark and how to set goals in life without falling into the anxiety traps of conventional success principles books. Dr. Grumet shares his own compelling personal story of why he gave up practicing medicine full-time. The trio digs into a variety of topics that will benefit everyone. #purpose #meaning #financialplanning #lifecoach #happiness #anxiety #selfhelp https://jordangrumet.com/
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Climbing the Wall of Worry – In the context of the endless news cycle of significant political, economic, and geo-political events, Chris Boyd, Jeff Perry, and Russ Ball discuss what an investor should do with all the external market risks, while at the same time, we are reaching record high levels for several market indices. Topics covered include tariffs, debt-ceiling, Iran, immigration, and the Big Beautiful Bill. While there is some disagreement on the politics, the trio discussed the value of working with a financial advisor, especially in turbulent times. #financialplanning #geo-political #wallofworry #stockmarket
Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.”
https://register.gotowebinar.com/register/6040334700710880088
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Time to Open the Mailbag – Chris Boyd and Jeff Perry open the Mailbag and answer listener and client questions. The episode opens with a listener question asking, I have multiple IRAs, how many RMDs do I need to take each year? Chris and Jeff next answer what is the Rule of 25? The next topic is one based on television and radio commercials selling Home Title Lock Insurance – Chris and Jeff explain what it is and what it is not. Finally, Chris and Jeff answer what appears to be a simple question, but ends up not as simple as first thought – Do RMD’s affect my Social Security? Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
IRA Age Milestones – If you have an Individual Retirement Account (IRA), are you aware of the many key age milestones? Chris Boyd and Jeff Perry take you through a chronological timeline from childhood to your mid- seventies as they discuss twelve key ages and relatively unknown opportunities related to your IRA that could boost your savings and reduce your income taxes. Click the link below to register for our upcoming webinar, “Don’t leave a digital mess.” https://register.gotowebinar.com/register/6040334700710880088 For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Things to consider before buying a second home – Chris Boyd and Jeff Perry are joined by Britta Ferguson CFP®, CEPA® who is a Senior Vice President, Financial Advisor with Wealth Enhancement to explore the pros and cons of owning a second home (vacation home). The discussion begins with “try before you buy” advice and the distinction between an investment property that you may use part-time compared to a true second home that is unoccupied when you are not using it. The “math” of owning a second home is reviewed in addition to the “what- ifs” of owning property that you do not live in full time. Issues of estate planning and fractional ownership are also explored. Not all cons, the group shares some pros of having a second home. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Targets of Fraud – World Elder Abuse Awareness Day is June 15 and according to the World Health Organization, one in six people 60 years and older experience financial fraud or abuse each year. Elder fraud reports to the FBI’s Crime Complaint Center have risen by 14%, with an average loss of $34K (see link below). Chris Boyd, Jeff Perry, and Russ Ball dig into the statistics and discuss the most common types of fraud. The trio also shares practical advice how to avoid scams and fraud and what to do if you become a victim. https://www.fbi.gov/news/stories/elder-fraud-in-focus
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Best Books? – Chris Boyd opens this episode with a story from his most recent trip to the dentist where the hygienist was asking for financial planning book recommendations and advice as to how she should go about finding a financial planner who is willing to work with someone who has a modest income and assets. Chris and co-host Jeff Perry suggest a wide variety of books for people at various stages of their financial journey. The dialogue shifts to the challenges of finding a financial planner. Jeff shares the three questions that everyone should ask to anyone in the financial services industry who they are considering working with. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
5 Biggest Stealth Retirement Costs – Chris Boyd and Jeff Perry review a recent article from Kiplinger’s magazine (linked below) as they discuss the “Five Biggest Stealth Costs in Retirement.” The conversation begins with the notion that most people planning for retirement have a basic understanding of their future cash flow needs. Chris and Jeff dig into the costs that many people make incorrect assumptions about or ignore all together. Included in the conversation are unexpected health care costs, income tax errors, unanticipated financial emergencies, family member needs/gifts, and the long-term impacts of inflation. https://www.kiplinger.com/retirement/the-biggest-stealth-costs-in-retirement For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Don’t Assume – Chris Boyd, Jeff Perry, and Russ Ball explore several financial planning assumptions people sometimes make that are often not true. The episode begins with Russ Ball outlining a new “super catch-up” for workers ages 60-64, which leads to an overall review of retirement account limits and special catch-up opportunities. Jeff shares clients’ stories where two public employees incorrectly assumed they would not be eligible for Social Security. Chris brings up other topics not to make assumptions about, including beneficiaries and 401K investment allocations. For more information or to reach TEAM AMR, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr
One Big Beautiful Bill – Chris Boyd, Jeff Perry, and Russ Ball dig into the recently passed House of Representatives Budget Bill known as the “One Big Beautiful Bill.” The trio discusses the key items in the Bill, including making the Tax and Job Act income tax reductions permanent, eliminating taxes on overtime and tips, and increases in border and military spending. Jeff notes that the promises of significant reductions in Federal spending were not achieved in the House Bill. Chris and Russ offer thoughts on the likelihood of the House version passing in the Senate. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Navigating Economic Waves: A Portfolio Strategy - Brian Regan joins Chris Boyd and Jeff Perry to discuss a recent article Brian authored (see link below) which suggests that staying calm and ensuring that investment strategies are robust and adaptable, one can weather the economic “storms” triggered by tariff policy and related economic news. Brian comments that, “Just like a well-prepared vessel can withstand the might of the Atlantic, a thoughtfully managed portfolio can endure and thrive amidst economic turbulence.” https://www.thestreet.com/retirement-daily/your-money/navigating-trumps-economic- waves-a-portfolio-strategy-for-investors For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
IRA Beneficiaries: Who Inherits What and When? – Just back from the Ed Slott Conference, Chris Boyd shares his in-depth commentary on how the Secure Act changed rules for distributing assets from an inherited IRA. Chris is joined by co-host Jeff Perry as they explore the sometimes confusing and technical rules of the three distinct categories of IRA beneficiaries. Chris outlines the basic rules as he points out that there are exceptions to be aware of. Jeff highlights the need for financial advisors to collaborate with client’s income tax preparers and estate planning to not only avoid unnecessary taxes and penalties, but to have all the pieces work together as part of a comprehensive financial plan. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Mail Bag – Jeff Perry and Russ Ball dig into the Team AMR Mail Bag and answer questions from listeners. Included in this episode are, “I have read that my household expenses will go down when I retire, but I don’t understand why.” “I know that I need a Will, but don’t know who in my family I should choose to take care of my estate. Who should be my Personal Representative/Executor?” “I'm 49 years old and have nothing saved for retirement - what should I do?” Listen in as Jeff and Russ offer their advice and commentary to each of these listener questions. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
College Planning – As it is the time of year for high school and college graduations, Jeff Perry and Russ Ball discuss a wide variety of topics regarding planning for college. The conversation begins with the use of 529’s as the foundation for most families to save for future educational expenses. Jeff outlines the basics of how a 529 plan operates and the benefits of using one. Jeff & Russ next explore the factors that go into making the choice of which college is right for your student. Finally, the topic of how to pay for college and common mistakes people make in this process. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
BUFFETT! – With the recent retirement announcement from Warren Buffett, Chris Boyd, Jeff Perry, and Brian Regan reflect on the amazing life and the many financial lessons of Warren Buffett. Brian leads the conversation with a brief biographical summary of Buffett’s early years and reflections of how Buffett influenced his views on investing. Jeff weighs in with Buffett’s dislike of using leverage and specifically credit cards. Chris ends the episode discussing how Buffett plans to distribute his wealth through the “Giving Pledge.” For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Yellin & the News – After attending the CFA Society of Boston Annual Market Dinner, Chris Boyd offers his thoughts from Janet Yellen’s keynote speech. Chris reviews Yellen’s negative views on broad-based tariffs and other policies of President Trump. Jeff Perry joins the conversation as it shifts to other items in the news including more on tariffs, the Federal Reserve interest rate decision, new employment data, corporate earnings and a lack of guidance from CEO’s. The episode ends with thoughtful commentary from Chris about what an investor should do during these uncertain economic and political times. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Raising a financially literate child – Jeff Perry and Russ Ball offer suggestions and commentary about positive way to pass on personal finance lessons and values to your children through various stages of development. Jeff & Russ discuss the importance of positive role modeling (or at least not negative), explaining the three purposes of money, use of allowances, at what age is a debit card appropriate, value of a part-time job, and learning about compound interest and investing. Russ and Jeff share personal anecdotes and stories of what childhood lessons are still with them today. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Annual reviews and why you need one – You have probably heard all the reasons why you need a comprehensive financial plan. In this episode Jeff Perry and Russ Ball discuss why it is critical to review your plan at least annually. Topics covered include responding to life changes, investment objectives, time horizons, liquidity needs, risk tolerance, cash-flows, life insurance needs, legacy planning, and more. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Mr. Market is both charming and bipolar – With all the recent volatility in the stock market, Jeff Perry and Russ Ball discuss a recent article published in BottomLine magazine which highlights the investing lessons from Benjamim Graham, who authored “The Intelligent Investor” in 1949. Jeff & Russ outline the lessons from Mr. Graham who describes “Mr. Market” as a bipolar fellow, very charming but suffering from incurable emotional problems. Some days, he shows up feeling euphoric and will sell to you only at unreasonably high prices. Other times, he is panicked for no obvious reason and desperate to sell at any price. Listen in to the lively and fun conversation. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Federal Employees: Retirement & Layoffs - Planning during DOGE – with Brian Kuhn, CFP – With all the recent news stories concerning workforce reduction and changes that Federal employees may be facing, Chris Boyd welcomes fellow Wealth Enhancement Certified Financial Planner Brian Kuhn to the podcast. Brian provides an overview of the retirement system and benefits provided to Federal employees. Chris Boyd and Jeff Perry ask for Brian’s commentary on recent incentives for early retirement and the likely elimination of remote work for Federal employees. Brian offers his suggestions for Federal employees who are concerned about a potential job loss related to DOGE. To learn more about Brian Kuhn, check him out at: https://www.linkedin.com/in/briankuhncfp/
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
What's the Buzz? Recent Lessons – Chris Boyd, Jeff Perry, and Russ Ball discuss the economic and market news of the week, including the continued stock market volatility, tariffs, the Federal Reserve, unemployment data, consumer sentiment, and inflation. The trio outlines why having a financial plan is so critical in uncertain times. The conversation goes on to a discussion about how people make investments decisions within an employer-sponsored retirement plan, including the pros and cons that come with using target date funds. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Do I need to know about NUAs? - Andy Ives, CFP®, AIF® from Ed Slott and Company joins Chris Boyd and Jeff Perry for an interesting conversation about Net Unrealized Appreciation (“NUA”). NUAs are a powerful tool for people having employer stock in company plans. The discussion digs into how the gains from an employer stock program can be distributed according to the NUA rules and be subject to long term capital gain taxes. Andy shares the “triggering” events of when the rules apply, and common mistakes people make. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
GO SOMEWHERE - Colin Stroud – Travel expert and advisor on how to best use your credit card points and airline miles Colin Stroud joins the AMR Team for a highly informative and entertaining travel related episode. In this episode you will learn more about why flexible bank cards are a favorite, should you use one credit card or many cards to earn the most benefits, should you “buy points,” and what are arbitrage opportunities? Chris and Kristen Boyd dig into these issues and more. You won’t want to miss this episode if you are looking for money-saving tactics using your miles and points! To learn more about Colin Stroud, please visit his website: https://www.gosomewhere.world/
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
What A Week! So, Is It Over? – With seemingly endless announcements on tariffs and the related stock market volatility, Chris Boyd, Jeff Perry, and Brian Regan discuss what a wise investor should do in the midst of the uncertainty. Chris and Jeff attempt to summarize the recent developments of President Trump’s tariff policy. Chris plays a clip from a previous episode where he and Professor Jeremy Siegel discuss whether a trade imbalance is a good or a bad thing. Brian outlines tactical moves he has taken for clients. Jeff shares the need to have a financial plan, and Chris discusses the Team’s asset allocation strategy. Other issues debated in this episode include the impact on the dollar, employment data, and what is really “free trade.” For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Attorney Keats Boyd joins Chris Boyd and Jeff Perry for a lively conversation on the recent tariff policies of the Trump administration and how they could relate to your estate planning. In addition to tariffs, estate planning topics discussed include the “Golden Funnel,” multi- generational wealth, estate taxes, income taxes, using a LLC for your estate planning, and more. To reach Attorney Keats Boyd, please call his office at 508-775-7800 or click the link below: https://www.boydandboydpc.com/
For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Chris Boyd, Jeff Perry, and Russ Ball discuss the breaking news of the new tariffs known as “Liberation Day” imposed by President Trump. With the increased market volatility created by the Trump tariff announcement, Chris, Jeff, and Russ discuss whether it is time to reduce exposure in the stock market or is it time to add funds while the market is in correction territory. Chris
highlights that investors might wish to review their asset allocation. Jeff reviews that the bond market has performed well in recent months and how this is a reminder that investors can benefit from diversification among asset classes. For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Losing your parent is a profound event. While one will certainly suffer the emotional impacts, there are also important financial actions to take immediately. Protecting your parents’ legacy by managing their finances after their death is one of the most critical ways to honor their legacy. Chris Boyd, Jeff Perry, and Russ Ball discuss this sensitive issue and offer their own personal stories, thoughtful advice and lessons. Chris also details about inheriting an IRA from a loved one and the various rules surrounding beneficial accounts in general. For additional information on this topic, please click the links below:
https://www.library-messages.com/c9de15f9-d73a-4df0-953d-174013937f10/resource- center/estate/a-checklist-for-when-a-spouse-or-parent-passes
https://www.wealthenhancement.com/s/blog/what-to-do-after-a-parent-dies- MCILZXAWMCNVEJHHPLEXZJDK5G54
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Recession? – Chris Boyd welcomes Jeff Perry and Brian Regan for an in-depth discussion whether the US economy is heading into a recession. Chris begins the conversation with a detailed explanation of the definition of a recession, which may not be as simple as it seems. The trio reviews recent related economic news, including the potential impact of Trump tariffs, inflation, employment data, retail sales, potential of a reduction in government spending, and consumer confidence. Brian offers his expert commentary about the risks of an economic slowdown in the near future. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Social Security: To start or not to start, that is the question! – Deciding when to claim your Social Security benefits might appear to be a simple decision, but making the wrong decision can have a significant impact on your financial plan and your income taxes. Chris Boyd, Jeff Perry, and Russ Ball have an in-depth discussion and respond to the concept of taking Social Security at the earliest possible age and investing the monthly benefit. Chris, Jeff, and Russ remind listeners that it is always best to seek the advice of your financial advisor when making decision when to claim Social Security. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Donor Advised Funds – If you are charitably inclined, you are likely interested in maximizing your contribution to your favorite organizations while realizing the largest potential tax reduction. Chris Boyd, Jeff Perry, and Russ Ball dig into the benefits of using a Donor Advised Fund to help with your charitable giving with a flexible strategy that can offer significant income tax savings. The trio also discusses the legacy benefits of including family members with the decisions of a family-centered Donor Advised Fund. If you would like to receive a complimentary guidebook of Donor Advised Funds, please contact Chris Boyd or Jeff Perry, by clicking the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
5 signs it is time to retire – Retirement means different things to different people. Some people have been planning and preparing for years with a clear retirement date in mind. For others, it is less etched in stone. But either way, if you are thinking about retiring anytime soon, there are signs to consider. Chris Boyd and Jeff Perry review a recent Kiplinger’s article (see full article linked below), which asks are you emotionally ready? Have you saved enough? Do you have a post-retirement plan? Can you handle your bank account depleting? Have you talked with your spouse? Listen in as you might be surprised where the conversation goes. https://www.kiplinger.com/retirement/retirement-planning/five-signs-its-time-to-retire-in- 2025 For more information or to reach Chris Boyd or Jeff Perry, click
With this week marking five years since Covid related shutdowns, Chris Boyd, Jeff Perry, and Russ Ball begin this episode with reminiscing of where they were five years ago and sharing the related personal and financial lessons. The trio explores the similarities of current stock market movements with the recent tariff policy to the uncertainty caused by Covid. The value of working with a financial advisor during turbulent times is discussed, including financial and behavioral consideration. Chris closes out the segment explaining why having a comprehensive financial plan is critical to long-term financial success. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Being in the heart of income tax time, Chris Boyd, Jeff Perry, and Russ Ball remind listeners of key upcoming filing dates and related retirement account contribution limits. Jeff and Russ discuss the differences between traditional IRAs and Roth IRAs. Chris explains the use of a “back door” Roth IRA and Roth conversions. Chris also advises listeners how 1099’s work with Qualified Charitable Distributions (QCDs). Chris ends the episode with an offer for a complimentary Finance Fact Sheet to anyone who emails the show. For more information or to reach Chris Boyd or Jeff Perry, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr
With all the market volatility related to tariffs, Chris Boyd invites Senior Portfolio Manager Brian Regan on the podcast. Also joining the episode is Jeff Perry and Russ Ball. Chris and Jeff open the show with a summary of the latest tariff moves by President Trump as well as commentary why tariffs can be an effective or harmful tool in political and economic arenas. Brian responds to questions from the AMR Team related to his views about the impacts of tariffs on the stock market, inflation, and corporate earnings. Brian also reviews recent positive moves in fixed-income assets. For more information or to reach Chris Boyd or Jeff Perry, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr
The founders of Back Nine Nurses, Deborah O’Kelly and Kristen Hyde join Chris Boyd and Jeff Perry for an in-depth conversation about how they are responding to the growing needs of senior citizens and their families for trusted, personalized, and compassionate navigation during times of transition and uncertainty related to aging. Topics include homecare, assisted living, medical advocacy, hospice, and the need for advanced estate and family planning. Deborah and Kristen offer suggestions on looking for warning signs and how best to react. For more information, see the link below: https://www.backninenurses.com/ For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Chris Boyd and Jeff Perry welcome Dr.Laura Mattia to the podcast. The conversation focuses on the premise that while money is not the key to happiness, using it wisely can help us pursue our dreams, elevate our status, gain independence, and contribute to meaningful change in the world. The trio digs into why many married women are not involved in the personal finance and investment decisions of their household and the risks associated with such disengagement. For more information about Dr. Mattia, see the link below:
https://www.moneymatriarchs.com/
For more information or to reach Chris Boyd or Jeff Perry, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Is 80% enough? – Chris Boyd and Jeff Perry explore the question of how much you will likely be spending in retirement. The pair begins the conversation with the age-old rule that retirees only need 80% of their pre-retirement income in retirement. Chris and Jeff explore the “retirement smile” and how it can be a good predictor of retirement cash flow. More than just a podcast about money, Chris and Jeff discuss the various ways many retirees over and under spend their expected retirement funds. Chris puts the entire episode into why having an annual review with your financial planner is critical to staying on course in retirement. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Family Planning – not what you are probably thinking? – Families talk about finances in different ways. Some are incredibly open about the realities of their financial situations; some only discuss it when they need to; others consider talking about money as off-limits. If your family isn’t having open and honest conversations about finances and wealth, it’s time to reevaluate. Chris Boyd and Jeff Perry dig into these issues and more as they offer their commentary and advice on including family members in your financial and estate planning. See related article linked below:
https://www.wealthenhancement.com/s/blog/empowering-your-future-financial-planning- for-parents-with-adult-children-MC2WSGEA7ZQVCOXA2OJ5DP3ZAQPA
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Challenges to an early retirement – Chris Boyd and Jeff Perry explore the risks and challenges to retiring early. Chris and Jeff start the episode with how some clients have an undefined desire to retire early, and frequently fail to consider the various details. Chris outlines why savings must be abundant as an earlier retirement means not only spending sooner, but also fewer years of savings and less compounding as you spend assets. Chris and Jeff discuss the need for greater tax diversification, especially if retiring before age 59 ½. Chris explains the option of using Equal Periodic Payments. Chris and Jeff explore the need to plan for how you will manage health care insurance and costs, as well as the long-term impacts of inflation. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Fires - Are You Properly Covered? – With the recent fires in California, many homeowners across the country are wondering if they are properly covered. Chris Boyd welcomes Special Guest Doug MacDonald, CPCU to the episode. Joining them is Jeff Perry. The conversation begins with an outline of what homeowners’ insurance covers and what it does not. Specific topics reviewed include coverage limits, earthquakes, and flood risks. Doug offers advice concerning the value of a guaranteed replacement endorsement. For more information about Doug MacDonald, check out the link below: https://riskadvice.com/ For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
How much can I take? – How retirees determine a safe withdrawal rate is one of the most frequent questions clients ask their financial advisors. Chris Boyd, Jeff Perry, and Russ Ball review a recent Morningstar article (see link below). The conversation includes the pros and cons of relying on the standard rate of 4% as well as the risks of using stagnant rules in financial planning. Jeff raises the concept of cash flows as suggested by the “Retirement Smile” concept and Chris highlights the need for determining an annual withdrawal amount in the context of a comprehensive financial plan.
https://www.morningstar.com/retirement/how-retirees-can-determine-safe-withdrawal- rate-2025
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Free Yourself – Chris Boyd, Jeff Perry, and Russ Ball dig into the value of time and when engaging a financial advisor can have a meaningful impact on free time as well as your financial plan. The trio share commentary how handing over the reins of your portfolio can reclaim precious hours, rediscover your passions, and live a life enriched by experiences and moments that money alone cannot buy. The AMR Team is offering a complimentary guidebook titled, “Unleashing your time: The unexpected freedom of delegated investing.” For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
What’s new for Social Security in 2025? – With some 73 million Americans relying on Social Security for monthly income, there is a lot of interest in the recent changes to Social Security benefits. Jeff Perry and Russ Ball discuss the recent updates, including the repeal of the Windfall Elimination Provision (WEP), 2025 cost of living adjustment, and changes to income levels related to income taxes. Jeff and Russ informed listeners how to check on their future benefit estimates. Jeff and Russ also discuss best practices for retaining important documents, including income tax supporting data, military records, and more. Check out our previous podcast on Social Security Fairness and the repeal of WEP: https://somethingmorewithchrisboyd.libsyn.com/social-security-fairness
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
To convert or not…that is the question – If the title of this podcast captured your attention, let us be clear from the outset that there will not be any religious recruitment efforts forthcoming. What we will be digging into is the question of whether you should convert some or all of your assets from a traditional individual retirement account (IRA) to a Roth IRA. Jeff Perry and Russ Ball explore the advantages of a Roth conversion as well as some reasons why it may or may not be the right time for you. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
https://www.thestreet.com/retirement-daily/saving-investing-for-retirement/roth-ira-conversions- strategic-retirement-savings
Will your wishes be followed – Inspired by the HBO/MAX series The PITT, Chris Boyd, Jeff Perry, and Russ Ball discuss the need for a comprehensive estate plan and how families can sadly be torn apart without appropriate planning. Jeff reviews the foundational documents of an estate plan. Chris and Russ outline the family conflict that is present in The PITT. The dialogue continues with suggestions how family strife can be avoided with the correct documents in place and how family communications and meetings are often advisable during the financial and estate planning process. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Navigating life’s milestones – Chris Boyd opens this episode with sharing a personal story concerning the recent passing of his first financial planning client. Chris, Jeff Perry, and Russ Ball discuss how working with a financial planner in the different seasons of life can provide great benefit. The trio offers further commentary of the various ways a financial planner can assist individuals/families who are just getting started, building wealth, preparing for retirement, living in retirement and in estate and legacy.
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Trump’s Taxes, Tariffs, Immigration & the Market – With the inauguration of President Trump, the focus is shifting from political rhetoric to actual governing. Chris Boyd, Jeff Perry, and Russ Ball dig into the likely economic policies of President Trump and how they may impact the financial markets. Topics include, income taxes, tariffs, immigration, deregulation, cryptocurrency, budget deficits/debt, and TikTok. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Dogs of the Dow – In this episode, Chris Boyd and Team AMR look into the Dogs of the Dow strategy where an investor annually invests in the ten stocks with the highest dividend yield listed on the Dow Jones Average. Senior Portfolio Manager Brian Regan offers commentary of why this strategy is not the best option for investors who wish to own individual stocks. The conversation includes dialogue about investing for value versus growth. Chris Boyd and Brian share their thoughts on preferred methods of evaluating and investing in stocks. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Want to Buy or Sell a Business? – Owner of Compass Business, LLC Doug Cabral joins this episode for an in-depth conversation on the process and challenges of buying and selling a small business. Doug, Chris Boyd, Jeff Perry, and Russ Ball dig into a variety of issues involved, including maintaining confidentiality, putting a valuation on an ongoing small business, whether a franchise is a good option, and financing a transaction. Doug also explains the difference between a buyer who is looking for a job and a buyer who is seeking an investment. For more information about Doug Cabral, click the link below: https://compassbusiness.net/
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Social Security Fairness – With the repeal of Social Security’s Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), Chris Boyd, Jeff Perry, and Russ Ball share this breaking news and what it means to over three million people who will see an increase in benefits. The discussion starts off with a review of the 30+ year history of these provisions. Jeff outlines the average benefit increases while Chris provides his commentary on the long-term outlook and need for overall reform to the Social Security system. For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
The rise of the ETF – Chris Boyd shares his commentary about the increasing use of Electronically Traded Funds (ETFs). Chris references a recent paper by JP Morgan which shows that ETFs are not just being used for a passive style of investing. Chris explains how ETFs and Mutual Funds are structured. Jeff Perry and Chris outline the pros and cons of using an ETF for actively managed funds, including the ease of buying/selling, underlying costs, and tax efficiency. Chris and Jeff explore the long-term prospects of Mutual Fund products. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
A New Year – Chris Boyd, Jeff Perry, and Russ Ball review 2024, including stocks, bonds, real estate, and cryptocurrency. The trio offers their forecasts for 2025 and provide some perspective on how market trends and economic cycles do not last forever and assets tend to revert back to the mean level over time. The conversation turns to the importance of financial planning in the context of volatile markets. For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Do you have a Goal? – It is time to think about 2025 New Year’s resolutions and goals. Chris Boyd and Jeff Perry share their personal perspectives on setting goals in all areas of one’s life. The duo shares why using the SMART goal planning system can be the most effective method. Jeff uses the example of having the goal to save for future college expenses of a child or grandchild. Chris explains how goals play such a critical part of having a successful long-term financial plan. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Annual Reviews/Know Your Numbers – As we close out 2024 and enter a new year, it is a great time to meet with your financial advisor and conduct a holistic review of your financial plan. Jeff begins by outlining having your personal Net Worth Statement and Cash- Flow/Budget. Chris explains in detail the elements of a comprehensive financial plan, including reviewing life changes, investment objectives, risk tolerance, time horizon, and liquidity needs. Chris and Jeff also suggest streamlining your financial and bank accounts to ensure efficiency and effectiveness. Jeff mentions how your estate planning and life insurance needs are a part of a complete financial plan.
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Don’t go broke in retirement – Chris Boyd and Jeff Perry dig into several factors that can lead to someone in retirement not having sufficient assets and income to live their desired lifestyle. Chris and Jeff discuss the below linked article as they review the following risk factors: You Still Have Unsecured Debts, You Can’t Stick to a Budget, You Haven’t Budgeted for Health- Related Costs, You Still Pay for Dependents, and You Aren’t on Track to Retire With 25 Times Your Budget. Chris and Jeff emphasis how having a financial plan in place will guide you best with your retirement planning. https://www.gobankingrates.com/retirement/planning/signs-youll-go-broke-in-retirement/ For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
Not never, but be cautious – Should you buy an annuity as a part of your retirement planning? Based on an email from a listener, Chris Boyd and Jeff Perry provide their commentary on the proper use of annuities. Chris outlines the various types of annuities commonly sold by life insurance companies. Chris and Jeff caution listeners about the embedded fees and features of these products. Jeff points out the lack of flexibility to owners of annuities and reminds listeners in a typical fixed annuity based on the owner’s lifetime, there will nothing left for the inheritance/legacy. Chris speaks to his concerns of the impacts inflation can have for annuity owners. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Retirement Income Strategies for the Long Haul – Chris Boyd opens this episode with an offer to listeners for a complimentary 2024 Tax Planning Checklist. The conversation turns to a discussion of a Kiplinger’s article (see link below) about retirement income strategies that Chris was quoted in. Chris and co-host Jeff Perry discuss segmenting retirement income by using the bucket strategy, the use of dividend stocks/bonds versus total portfolio, having diversified income streams, using annuities (or not) for guaranteed income, and working part-time in retirement. Chris and Jeff remind listeners to take the Something More podcast survey (see link below). https://www.kiplinger.com/retirement/retirement-income-strategies-for-the-long- haul The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Elevate & Empower – Author and radio personality Jeff Katz joins the podcast to discuss his new book, Elevate & Empower. The show starts out with a lively discussion of Jeff’s unique background of being a police officer, wrestling promoter, radio show host, public speaker, husband, and father. Jeff shares the personal story of his daughter Julia and how she is the inspiration for the last chapter of the book “Quest for Cookies.” Jeff also shares his Letters to Julia and his own personal advocacy for disabled individuals. To order Jeff Katz’s book Elevate & Empower, e-mail Jeff at: jakatz@live.com The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Unpacking Social Security & Government Pensions – Chris Boyd, Jeff Perry and Russ Ball explore the often-incorrect assumptions people have related to social security and government pensions. Russ opens the segment with one of those common assumptions with a question to Jeff who outlines the interplay of the two sources of retirement income. Chris shifts to the topic of how many retirees struggle with the transition of accumulating assets to spending them. The group has an in-depth conversation as to why a comprehensive financial plan can be an asset to managing the financial and emotional components of retirement income and expenses.
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Bulls, Bears, and Pigs – After two years of strong market gains, many investors are wondering if a decline in stock prices is on the horizon. Chris Boyd, Jeff Perry and Russ Ball discuss market history and what constitutes normal market behavior. Jeff shares a personal financial move he recently made and reminds listeners of the old saying that “Bulls make money, Bears can make money, and Pigs get slaughtered.” Chris shares his guidance on having the proper allocations considering your risk tolerance. The trio also discusses a pension question and how other issues like health insurance and legacy planning play into the decision-making process for your pension options. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Beware of Frauds and Scams – Chris Boyd and Jeff Perry focus this episode with an update on recent methods that criminals are using to steal your funds and your identity. Chris and Jeff begin by discussing the growing use of Artificial Intelligence (AI) to trick victims into providing personal information. Other topics covered are spoofing, phishing, and customer service fakes. The conversation turns to methods to safeguard against becoming an identity theft victim, including credit freezes, requesting fraud alerts, enrolling in multifactor authentication, and checking your bank and credit card statements. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Small Business Saturday and Giving Tuesday – With the holiday season being in full swing, Chris Boyd, Jeff Perry, and Russ Ball start of with a discussion on how to manage the financial pressures that many people face during the holiday season. Jeff shares his thoughts on budgeting and low-cost gift giving. Chris next emphasizes the importance of supporting local businesses during the holiday shopping season. The dialogue flows to the dominance of online shopping. The trio discuss Giving Tuesday and Chris outlines various financial and tax planning techniques which allow for the most efficient and effective charitable giving. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Mail Bag with Brian Regan – Senior Portfolio Manager Brian Regan joins Jeff Perry and Russ Ball to answer client questions. The episode begins with Brian responding to a 70-year-old client who has approximately $100K in Verizon stock and very much enjoys the dividend of 6.5%. Brian provides the pros and cons of having such a concentrated position. The next client question comes from a couple in their 40’s who are saving for retirement primarily using 401Ks. They want to know if they should add international stock funds to their retirement accounts. Brian shares why this is a good idea despite a recent history of lagging returns for international funds.
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
The Future of You – Co-founders of “The Future of You” Nan Ives and Lisa Stornaielo join Jeff Perry and Russ Ball for a non-financial planning discussion focusing on how someone in retirement should Rebalance Your Life, Connect to Your Purpose, Activate “ReTRYmen” and Launch Your Life Plan. Nan and Lisa share their experiences with how their clients work through the opportunities and challenges they face when they step away from their full-time careers.
To find out more about The Future of You, click the link below: https://www.thefutureofyou.com/
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr
Lessons from clients – Chris Boyd, Jeff Perry, and Russ Ball review a variety of commonly discussed client financial planning issues. With the rise of stock prices in companies such as Nvidia, some investors find themselves with a sizable portion of their investment portfolio concentrated in a single holding. Chris leads the discussion of the best moves for such investors. The trio next reviews the challenges many people face in accurately predicting their retirement cash flow. The trio discusses challenges and methods of putting together an accurate financial plan.
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Year-end tax planning – With the end of the calendar year fast approaching, Chris Boyd, Jeff Perry, and Russ Ball discuss strategic tax planning topics. Topics covered include, RMDs, charitable giving, tax-loss harvesting, IRA contributions, tax deductions, and long-term tax planning. For listeners who would like a complimentary 2024 Tax Planning Checklist, they may contact Team AMR at the link below.
The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Where are Mortgage Rates headed? – Robert Foos, President of Sparrow Mortgage discusses the current state of the home mortgage market with Chris Boyd and Jeff Perry. The conversation starts off with the likely impacts for mortgage rates due to the recent election. Robert answers questions regarding the mortgage application process, debt to income ratios, types of income that qualify for a mortgage, self-employment situations, and programs for first time homebuyers. At the end of the segment, Robert mentions community events in the Falmouth area that he is involved with (see links below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To reach Robert Foos, Sparrow Mortgage, or the events mentioned, see the links below: https://sparrowmortgage.com/
Katie's Cure https://www.katiescureals.com/
Sip & Shop Small www.facebook.com/photo/?fbid=1072818018186092&set=pb.100063737103399.- 2207520000
The Case for International Investing with Nick Paul, MFS – Nicholas J. Paul, CFA who serves as the Equity Portfolio Manager for MFS joins Chris Boyd and Jeff Perry for an in-depth discussion about using mutual funds for international investing. Related topics covered include the potential impacts from the recent election, the growing national debt, tariffs, deglobalization, emerging markets, and currency risk. During the episode Chris and Nick also discuss the benefits of active management for international investing. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Meaning of Money – Cohen Taylor and Wendell Clarke join Chris Boyd and Jeff Perry for a dynamic conversation about the Meaning of Money. This episode is about a lot more than counting the dollars! Topics discussed include, why we give money meaning, money and emotion, money and relationships, identifying influences/origins of money messages, illustrating impact of money messages on financial behaviors, and highlighting impact on advisor/client relationship. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
RMD’s and things to remember – Just back from the Ed Slott conference in San Diego, Chris Boyd shares a variety of tax and financial planning topics with co-host Jeff Perry. The conversation begins with brief commentary on the upcoming elections. Next Chris shares detailed lessons about Required Minimum Distributions. The dialogue transitions to items to consider before the end of the year, including retirement contributions, Roth conversions, charitable giving and QCD’s. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Election and Investing – Senior Portfolio Manager Brian Regan joins Jeff Perry for a lively discussion about how the upcoming election may impact the markets and investors. The podcast starts out with a review of how the stock market has performed under prior Presidents. Brian shares detailed commentary of the likely economic outcomes of a Trump or Harris presidency. Jeff and Brian dig into issues of tax policy, deficit spending, employment, tariffs, and geo-politics. For more information or to reach Chris Boyd, Brian Regan or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Retirement Confidence – In this episode, Chris Boyd and Jeff Perry discuss the 34th Annual Retirement Confidence Survey conducted by the Employee Benefit Research Institute and Greenwald Research. Chris and Jeff dig into topics surveyed which include responses about Social Security, pensions, IRAs/401Ks, inflation, working after retirement and various expected sources of income. The discussion goes off on a tangent as the pair discuss the non-financial aspects of retirement planning.
Chris also invites you to join him at an upcoming seminar titled “Your Retirement Countdown”.
Click the link below to read the entire Retirement Conference Survey:
https://www.ebri.org/docs/default-source/rcs/2024-rcs/2024-rcs-release- report.pdf?sfvrsn=2447072f_2
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
End of Year Planning – Chris Boyd and Jeff Perry review financial planning and tax strategies investors may wish to consider prior to the end of the year. Topics discussed are RMD’s, estate planning, life insurance, charitable giving, deferring income, accelerating expenses, capital gains/loss harvesting and Roth conversions. Chris also reminds everyone why it is important to check and update your beneficiaries. Chris and Jeff also inform listeners of the new AMR Team office location in Hyannis and discuss the recent Grand Opening ceremony. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
College Planning – Part 2 – Chris Boyd and Jeff Perry introduce part two from their recent College Planning webinar. In this segment, Chris and Jeff introduce Cozy Wittman of College Inside Track. Cozy offers her thoughts on how to find the best “fit” for your student in the college selection. In addition, Cozy outlines the financial aid process and dispels some commonly held beliefs of which colleges may be the best value. Cozy also explains the FAFSA process and offers her advice as to what students and families should do with the announcement of the FAFSA opening delay. To watch the entire College Planning webinar, click the link below: https://www.youtube.com/watch?v=m55DXWD7HaA
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
College Planning – Part 1 – Chris Boyd and Jeff Perry introduce the first of two episodes from their recent College Planning webinar. In this segment, Chris and Jeff discuss the current and future cost of college and whether college is still worth the cost. Chris and Jeff then turn to the different ways to save and invest for future college expenses. The conversation focuses on the use of 529 plans. Jeff highlights why grandparents may be the best choice to set up a 529 plan. Chris and Jeff discuss what happens to 529 plan funds if they are not needed for college expenses. To watch the entire College Planning webinar, click the link below: https://www.youtube.com/watch?v=m55DXWD7HaA
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
The Survey Says – Aya Yoshioka CFA of Wealth Enhancement joins Chris Boyd and Jeff Perry to discuss the findings of Wealth Enhancement’s recent Retirement Lifestyle Study (linked below). The conversation begins with the survey’s top political concerns of the respondents as being inflation and taxes. Aya answers questions of the significance of elections and the stock market. Jeff outlines the lifestyle and happiness survey data among different generations. Chris asks Aya for her thoughts on the various geo-political events and how they could impact investors.
https://www.wealthenhancement.com/s/blog/retirement-lifestyle-survey- MC5U5DUQSIRZCBLLM7CYSIKO6YLM
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Does China care about our elections? – China expert and Attorney Andrew Singer joins Chris Boyd and Jeff Perry for a timely discussion of whether China really cares who wins elections in the United States or is China most interested in division and disruption? In addition to the U.S. Election, Andrew responds to questions about Chinese life & culture, tariffs, and alliances with North Korea and Russia. Andrews also offers commentary concerning China’s conflicts in the region, including the Philippines, Vietnam and India. For a related recent article by Andrew Singer, click the link below: https://www.andrewsingerchina.com/post/china-the-presidential-election
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Critical Financial Steps to Take Before You Retire – Chris Boyd and Jeff Perry discuss a list of items that should be considered before you retire. On the top of the list is figuring out what role working part-time will play after you retire from your fulltime work. The conversation turns to Social Security planning and how it fits into the overall retirement income puzzle. Jeff warns listeners of the impact of failing to plan for future inflation. Chris shares his thoughts why it is so critical to identify your own retirement income style before you retire and suggests that people should practice spending in the context of your retirement budget. The last step people should take as they are approaching retirement is to start structuring their portfolio for retirement. Chris summarizes why all these items are critical to a successful financial plan. Please see below links to two related articles reference in this podcast. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
https://www.morningstar.com/retirement/5-critical-financial-steps-take-before-you-retire
https://www.gobankingrates.com/retirement/planning/ways-retirees-can-be-better- prepared-when-inflation-skyrockets/
Why Investors Missed Out on 15% – Chris Boyd and Jeff Perry open this episode with an update on the opening of a new office location in Hyannis for the AMR Team. They also discuss the recent Federal Budget deal and what it may mean after the November election. Chris and Jeff next review a recent Morningstar article titled “How can investors capture a greater share of their funds total returns in the future” (see link to the article below). The dialogue shifts to an in-depth look at how behavioral and psychological factors can harm investment performance. The conversation also includes an overview of the financial principles of asset allocation, diversification, and rebalancing. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
https://www.morningstar.com/personal-finance/fund-investors-who-kept-it-simple- captured-more-return
10 Ways Retirees Can Be Better Prepared When Inflation Skyrockets – Jeff Perry asks Chris Boyd about a recent news article that Chris was quote in. The GoBankingRates article discusses how retirees can be prepared for inflation with forward thinking and some simple financial strategies (see article at the link below). Topics covered include Designing Your Retirement Portfolio Intentionally & Asset Allocation, Delaying Social Security If You Can, Considering Part-Time Work, Not Chasing Income, Revisiting Your Medicare Plan, Considering Downsizing or Relocating, Cutting Overlooked Expenses, and the question of Should You Drop Your Life Insurance. Chris closes out the podcast with a reminder of the upcoming College Planning webinar scheduled for September 24th (see link below)
https://www.gobankingrates.com/retirement/planning/ways-retirees-can-be-better- prepared-when-inflation-skyrockets/
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
The Fed, Interest Rates, and the Market – Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry for a lively discussion about the recent interest rate cut by the Federal Reserve. Chris asks Brian about the normalization of the yield curve and what it may be telling investors. Brian also responds to Jeff’s questions regarding fixed income investing and whether the utility sector remains attractive after recent gains. Chris closes out the podcast with a reminder of the upcoming College Planning webinar scheduled for September 24 th (see link below) For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
Planning Retirement Income – Chris Boyd begins this episode with a reminder of the upcoming webinar on college planning (see link below). Jeff Perry joins Chris to delve into the complicated subject of planning income for your retirement. The discussion starts with a review of how pensions and social security can serve as the base of retirement income. The conversation turns to the different methods of sequencing withdrawals from taxable and non-taxable accounts and the consideration of income taxes. Other topics covered are Roth IRAs, owning the stock in a company you have worked for, using dividends for income, issues with buying an annuity and required minimum distributions. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below:
https://attendee.gotowebinar.com/register/3777108755579750751
What’s moving the markets now? The stock market has felt a bit like a rollercoaster lately. Join Chris Boyd and Jeff Perry as they discuss the issues impacting the markets. Topics include the seasonality of the stock market, the November election, potential of a government shut down, economic reports of the CPI, PPI, and unemployment, and the upcoming decision by the Federal Reserve on interest rates. Also, Chris and Jeff opine on the recent Presidential debate and share their thoughts about the questions they wish had been asked by the moderators. Chris reminds listeners of the upcoming webinar on college planning (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below:
https://attendee.gotowebinar.com/register/3777108755579750751
Mail Bag (release on 9/12/24) – In this episode, Chris Boyd and Jeff Perry dig into the Team AMR Mail Bag and discuss questions and issues from clients and listeners. In a fast-paced and sometimes humorous conversation, Chris and Jeff handle questions related to SIPC coverage, Social Security Survivor benefits, how Social Security fits into a comprehensive financial plan, seeking a second opinion on retirement planning, and super-funding a 529 plan. In addition, Jeff and Chris discuss their upcoming College Planning Webinar (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
Aging Plans with Annalee Kruger– Chris Boyd and Jeff Perry welcome Annalee Kruger of Care Right, Inc., and co-owner of Plan4LifeNow to this episode for an important discussion of when and how a comprehensive Aging Plan should be developed. Topics covered include “Red Flags” that family members should look for with aging family members, when and how to step in and offer assistance, caregiver burnout, emotional issues and financial considerations. Annalee also offers her commentary on the current status and future outlook of senior care options. For information on Annalee’s book, please click the link below: https://www.amazon.com/Invisible-Patient-Emotional-Financial-Caregivers- ebook/dp/B09J64RGJW
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
International Day of Charity (release on 9/05/24) – In recognition of the International Day of Charity, Chris Boyd and Jeff Perry discuss different ways individuals with a chartable intent and who are concerned about income taxes may wish to make charitable donations. The duo has an active dialogue about the pros and cons of Donor Advised Funds, Charitable Remainder Trusts, and Charitable Annuities. Chris and Jeff also discuss the benefits of including family members in this process. Jeff highlights why collaborating with a financial advisor regarding charitable giving is an important component of a comprehensive financial plan.
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
Alphabet Soup- Attorney Keats Boyd joins Chris Boyd and Jeff Perry for a wide-ranging conversation about the impacts of recent items in the legal and political news, including the Corporate Transparency Act, Non-Compete Agreements, the Moore vs United States decision on unrealized gains being taxable, and the new rules on how listing and buyer real estate agents/brokers compensation has changed. Attorney Boyd also discusses his upcoming seminars and how to register (see link below). Chris and Jeff also remind listeners of the upcoming online seminar about college planning on September 24th (see link below). For information on estate planning seminars, click the below link: https://www.boydandboydpc.com/seminars/
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
Take a moment, step back, and ask how do I want to be remembered?
While most of us don’t wish to contemplate our own death, doing the necessary estate and financial planning and having the appropriate family conversations can mean a lot more than simply leaving a financial legacy for your family. Chris Boyd and Jeff Perry share experiences and client stories that demonstrate why having your affairs in order is a wonderful gift to leave behind.
The discussion includes wills, trusts,health care proxies, powers of attorney, and other related documents. Chris mentions the George Kinder “3 Questions”. Chris and Jeff also remind listeners of the upcoming online seminar about college planning on September 24th (see link below). To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Why we ask the questions we ask – Chris Boyd and Jeff Perry explain why financial advisors ask so many questions. Many of the questions may not seem relevant to the creation of a financial plan. The conversation starts with the first meeting which Chris calls the “getting to know you meeting” and follow up document gathering. Subjects covered include a wide variety of financial planning topics, goal setting and how one’s goals should drive one’s financial plans. Chris and Jeff discuss why questions about your health, family situations, and where you live are important to the creation of a successful financial plan. Chris and Jeff also remind listeners of the upcoming online seminar about college planning on September 24th (see link below).
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
Estate Planning – With all the changes to the laws regarding estate planning and income taxes, Chris Boyd and Jeff Perry welcome Attorney Keats Boyd to the program. The conversation starts out with some basic estate planning techniques. The topics evolve into an in-depth dialogue on Trusts, Secure Act, Tax Cuts & Jobs Act, and Roth Conversions. Attorney Boyd also mentions his upcoming seminars and how to register (see link below). Chris and Jeff also remind listeners of the upcoming webinar about college planning on September 24 th (see link below). For information on estate planning seminars, click the below link:
https://www.boydandboydpc.com/seminars/
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
Is Money the Main Concern of Retirement? – Chris Boyd and Jeff Perry begin this episode with a review and commentary on the economic news of the week, including PPI, CPI, Retail Sales, and Unemployment data. Chris and Jeff then turn to the non-financial aspects of retirement planning, including deciding how you will allocate new found time in retirement. Of course, most areas discussed revert to related financial issues, such as the impacts of downsizing/relocating, travel expenses, gifting, and legacy planning. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Planning for College – Cozy Whitman of College Inside Track joins Chris Boyd and Jeff Perry to discuss the many challenges of planning for college. The conversation starts out with an announcement that the Free Application for Federal Student Aid (FAFSA) will not be available on the scheduled date of October 1 st . Topics covered during the podcast include the rising cost of college, how to start the college search, ways to save for future college expenses, and finding the right fit. The trio will also host a College Planning Webinar on September 24 th . See link below to register.
To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
To connect with Cozy Whitman, visit her website at: https://collegeinsidetrack.com/
New RMD rules are here! - The Internal Revenue Service (IRS) has finally issued the regulations related to the SECURE 2.0 Act. Chris Boyd and Jeff Perry provide the details of the new rules and advice on different strategies for Required Minimum Distributions (RMD) from retirement accounts. After reviewing the new regulations, Chris and Jeff talk about a variety of commonly asked questions about RMDs for 401K’s and IRA’s. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
So much in the news – should investors worry? – If you have spent any time watching the news lately, it is easy to become worried about how your finances and investments might be negatively impacted. Chris Boyd and Jeff Perry dig into several items in the news this past week, including growing tensions between Israel and Iran, increased stock market volatility, unemployment data rising, and the upcoming election season. Chris and Jeff attempt to separate what really matters when it comes to your investments and financial planning. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
In this episode recorded on Thursday, August 1st, Chris and Brian dive into the key insights from the recent client webinar. They review the outlook for risk and opportunities, explaining their strategic shift from an overweight position in Mega Cap Growth stocks to a more diversified approach, including Small Caps, Utilities, and buffered risk strategies. The discussion also covers interest rate moves by the Fed, the impact of market concentration, various paths to outperformance, and the nuances of active vs. passive investing.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
#Investing #Finance #MarketOutlook #SmallCaps #MegaCapGrowth #Utilities #RiskManagement #FedRates #ActiveInvesting #PassiveInvesting #InvestmentStrategies #MarketAnalysis #Diversification #Webinar #FinancialPodcast
Social Security ins and outs (Part 2 of 2) – Marcia Mantell of Mantell Retirement rejoins the program with Chris Boyd and Jeff Perry for a continuing conversation on the topic of Social Security. The trio starts out with an explanation of how Social Security benefits are calculated. Chris and Jeff present a series of special circumstances and how they can impact one’s Social Security benefits. Topics of discussion include the Windfall Elimination Provision, spousal benefits, and how divorce impacts benefits. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
ERISA and Medicare (Part 1 of 2) – Marcia Mantell of Mantell Retirement joins Chris Boyd and Jeff Perry. The segment starts off with the recognition that the Employee Retirement Income Security Act of 1974 (ERISA) is about to turn 50 years old! Marcia outlines the history and goals of ERISA. The conversation turns to a detailed review of the Medicare program, numerous nuances and challenges people face, including the Medicare income-related monthly adjustment amount (IRMAA).
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Investment Fallacies – Chris Boyd and Jeff Perry review a recent Morningstar article (see link below) about investment fallacies. The pair have an in-depth conversation about a variety of financial planning beliefs (which may or may not be true), including the pending demise of Social Security, lower expected equity/stock returns, the limits of index investing, and the belief that one can be too old to benefit from a financial plan.
https://www.morningstar.com/columns/rekenthaler-report/they-told-me-wrong
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
How likely are you to need Long-Term Care? Chris Boyd and Jeff Perry dig into the data on the average incidence and duration of long-term care needs and who is most likely to have a severe, sustained, long-term care incident. During this episode, Chris and Jeff review a recent article from Morningstar (see link below) which outlines the likelihood of a sixty-five-year-old needing some type of long-term care. The conversation reviews several data points including wealth level, marital status, gender, and self-reported health status. Chris concludes the discussion by explaining how the issue of potential long-term care needs properly fits into a comprehensive financial plan.https://www.morningstar.com/retirement/how-likely-are-you-need-long-term-care
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Which of these things doesn't belong? – Do you know what types of investments are legally prohibited from being in an individual retirement account (IRA)? Chris Boyd and Jeff Perry outline in detail the various categories of investments that are not allowed to be inside an IRA. The conversation turns to a detailed dialogue of investments that may be lawfully allowed but may not be a wise choice for an IRA. Topics covered in this in-depth episode include life insurance, collectibles, sub-chapter S Corporations, margin accounts, REITs, and municipal bonds.
For a related conversation on this subject, check the link below from the “Great Retirement Debate”:
https://open.spotify.com/episode/5XOonBS5q4DH9TtfJRriVk?si=FUlKkj3BQlmrhFIxC y1Ndw
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Including family in your financial planning – While many people wish to keep their financial planning completely private, as one ages, it can be prudent to inform family members of your financial planning, estate planning, and help that may be needed from the family. Chris Boyd and Jeff Perry dig into this subject as Chris shares a personal story about his oldest client who recently passed away. The conversation includes situations when bringing your family together to be a part of financial planning can be a good way to foster open communication about finances, personal choices, and lessening potential family conflict. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Inflation falling, markets rising – Fresh off the Consumer Price Index (CPI) report, Chris Boyd and Jeff Perry discuss recent economic data and how it is impacting markets and the Federal Reserve’s posture on interest rates. Jeff summarizes recent stock market returns and reviews the AAII Investor Sentiment Survey (see links below) and Chris comments on whether now is a good time to take profits. The dialogue continues into long-term financial planning considerations, including risk tolerance, asset allocation, and managing cash flow needs.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
https://www.aaii.com/sentimentsurvey
https://www.spglobal.com/spdji/en/commentary/article/us-equities-market-attributes/
Lessons from the Morningstar Investor Conference – After attending the Morningstar Investors Conference, Chris Boyd summaries lessons learned. Chris starts out by sharing a chance meeting with legendary investor Mario Gabelli. Chris goes on to share what he took away from Morningstar’s CEO Kumal Lapoor’s comments at the Conference which in part predict lower stock market returns over the next ten years. Chris and Jeff go on to debate the value of long-term market forecasts and why staying true to a financial plan is critical. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
First half review of the markets – Chris Boyd and Jeff Perry welcome Brian Regan to the episode for a review of market returns for the first half of 2024. The conversation turns to a detailed analysis of Nvidia returns, including a history of the company and an outlook for other companies in the semiconductor industry. Chris asks Brian about his outlook of the fixed income sector. The dialogue turns to thoughts about copper, gold, and how commodities may or may not fit into an investment portfolio.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Misconceptions about your Money – Chris Boyd and Jeff Perry explore common misconceptions about money that can put your retirement plan in jeopardy. The conversation starts out with diversification dangers of single stock investing. Chris offers specific examples of mistakes people make and offers some guidelines to consider. Jeff warns listeners that one cannot always rely on the name of a mutual fund or ETF as being accurate to what the underlying investment holdings are. The conversation next includes issues of asset allocation and market risk. Chris gives his thoughts that being a low-risk investor presents its own concerns like inflation and ultimately asset depletion. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Retirement: Income and Taxes – Almost 20% of people over sixty-five are still working. In this episode, Chris Boyd and Jeff Perry discuss the various financial and emotional reasons that retirees continue to work beyond the typical retirement age. The conversation continues with a detailed dialogue about how working before and after Social Security’s full retirement age is treated for income tax purposes. Related issues of Roth conversions, IRA required minimum distributions (RMDs), and legacy planning come into play and how all these subjects are key components of the financial planning process. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Gary Quinzel on Markets, Economy, and Election – Chris Boyd welcomes Gary Quinzel who is the Vice President of Portfolio Consulting with Wealth Enhancement Group. Gary offers his commentary on the recent strength of the stock market and economy, including digging into recent inflation data and the direction of interest rates. Jeff Perry joins and asks how an investor should think about “Black Swan” events and geo-political concerns. Chris and Gary explore issues of proper asset allocation and diversification. Gary offers his thoughts on the upcoming 2024 election and what it might mean for the market and taxes.
For more information or to reach Chris Boyd or Jeff Perry, click the below
link:https://www.wealthenhancement.com/s/advisor-teams/amr
Behavioral Wealth and Personal Finance – Behavioral Wealth Specialists Cohen Taylor and Wendell Clarke join Chris Boyd and Jeff Perry for a lively discussion on how financial planners can best serve their clients. Cohen and Wendell explain how the qualitative aspects of wealth management in a framework around emotional and behavioral components of financial goals and concerns are all connected. Cohen and Wendell share their thoughts on why attentive listening, mediation, assessment, and intervention skills are key to a successful financial planning process. Cohen outlines the 6 Elements of Wealth, and only one of them is about money! For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Pensions – Chris Boyd and Jeff Perry explore the various issues surrounding pension decision options. The in-depth dialogue starts off with a discussion a recent client was facing and how a range of factors influence what is best for each individual. At the 25- minute mark the conversation moves to how the Massachusetts state and municipal pension system operates and the variety of options available to retiring government employees. Related subjects discussed are survivor benefits, life insurance, and how everything best fits together in a comprehensive financial plan. Chris extends an offer for a complimentary guidebook on special needs trusts.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Is Inflation Easing? – Brian Regan joins the episode with Chris Boyd and Jeff Perry to review the inflation data from the past week, including the Consumer Price Index and the Producer Price Index, both of which show signs of a recent lower rate of inflation. Brian offers detailed commentary of the specifics beyond the headlines and which data points investors should primarily focus on. Brian and Chris dig into Federal Reserve Chairman Powell’s press conference and what it means for the markets. Jeff asks Brian and Chris if the Fed should be concerned about rising unemployment data and if election year politics could be a factor in the Fed’s decision to lower interest rates. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
In this episode, Chris Boyd CFP®, CASL, CEPS catches up with Bob Powell CFP®, RMA® to discuss the pressing issue of financial exploitation, focusing on scams and schemes.
Bob Powell highlights the prevalence of financial scams, particularly those targeting elderly individuals, with statistics showing significant financial losses and many cases going unreported.
Common Scams- The discussion covers various scams such as AI-generated deep fakes, phishing emails, romance scams, and "pig butchering" investment scams, illustrating the sophistication and creativity of modern scammers.
Risk Factors- Identifying factors that increase vulnerability to scams, including cognitive decline, social isolation, low financial literacy, and lack of a financial advisor.
Protective Measures-Emphasis on education, awareness, and proactive planning.
https://www.thestreet.com/retirement-daily/
https://www.linkedin.com/in/powellrobert/
https://www.linkedin.com/in/j-christopher-boyd-b932169/
“R” or “D” who is better for your portfolio? – Do investors do better under a Republican or a Democrat President and Congress? How about when the federal government power is divided between the political parties? Chris Boyd reviews “Y- Chart” data with Jeff Perry for this engaging review of what really matters to investor performance. Chris and Jeff begin the show with a remembrance that today, June 6 th is the 80 th anniversary of D-Day. Chris and Jeff offer personal commentary on the meaning of today and reflect on current events. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
The work-from-home stocks – Brian Regan joins Chris Boyd and Jeff Perry for a conversation about the work-from-home pandemic era stocks, including Zoom, Twilio, and Peloton. The trio discusses how each company exemplifies the highs and lows of pandemic-fueled growth and the challenges of sustaining momentum in a post- pandemic world. Brian offers his commentary whether any of these companies are investable now “that they’ve fallen back to earth?” Not just for the specific stocks discussed, but as the dust of the pandemic settles, the dialogue continues how these types of companies are facing the critical task of redefining their paths for top line and operating margin growth in an ever-changing work environment.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Feelings vs. Facts – As a follow up to a recent discussion about how the majority of Americans feel as if the economy is in a recession and the financial markets are struggling, Brian Regan joins Chris Boyd and Jeff Perry to talk about how the emotions/feelings of many clients do not match the data. Chris proposes a theory that much of this disconnect is related to how inflation has put pressure on household budgets. Jeff weights in that the presidential election, increasing national debt, and wars in the Middle East and Ukraine add to investor concerns. Brian brings in a variety of data points which demonstrates that the feelings of investors are not correlated with the strength of the US economy or the financial markets. At the end of the episode Jeff and Chris discuss the growing trend of investors considering Roth IRA conversions.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Memorial Day Weekend and In the News – With Memorial Day approaching, Chris Boyd and Jeff Perry reflect on the true meaning of Memorial Day. They highlight the Cape Cod Cares for the Troops event happening on Sunday, May 26 th (see link below) as they outline the excellent work done by Michelle and Dylan DeSilva. Chris and Jeff next discuss that despite recent economic data, most Americans feel like they are living in a recession (see related story below). Continuing with items in the news, Chris mentions data from the last week that shows the United States level of national debt is now $34.5T (see link below)! Chris and Jeff discuss the potential economic and political impacts that rising debt may have, including rising taxes, entitlement reform, and reduced spending.
http://capecod4thetroops.com/
https://www.cnbc.com/2024/05/22/most-americans-falsely-think-the-us-is-in-recession- poll-shows.html
https://www.cnbc.com/2024/05/19/soaring-debt-and-deficits-causing-worry-about- threats-to-the-economy-and-markets.html
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Duffy Health Center Update – Heidi Nelson, CEO of Duffy Health Center joins Chris Boyd and Jeff Perry with an update on Duffy’s efforts to prevent and serve the homeless individuals and families on Cape Cod. Heidi shares a personal announcement of her upcoming 2025 retirement and offers her thoughts on recent data concerning the scope of homelessness across the Cape. Heidi answers questions about the challenges and opportunities of providing medical, mental health, and addiction treatment to the homeless population. Heidi invites people to learn more about Duffy and ways to support their efforts at the below link:
https://duffyhealthcenter.org/services/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Best Night - Cape Cod – Chris Boyd and Jeff Perry welcome Bert Talerman, President of Cape Cod 5 Bank. The episode starts off with congratulations to Bert for being recognized with the Visionary Award from the Cape and Islands United Way. Chris outlines the various efforts the United Way provides funding and services. Bert next answers Chris’s questions about the current banking environment and economic conditions on Cape Cod. Jeff expresses appreciation to Bert and Cape Cod 5 for their efforts to enhance financial literacy. Jeff shares a story of a program offered at the Barnstable County House of Correction which instructs inmates on basic banking and personal finance. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
What is it worth? – How does one put a value on collaborating with a good financial advisor? Chris Boyd and Jeff Perry explore this question and more. Chris and Jeff begin the conversation by outlining the various roles of a financial advisor. Chris explains the importance of working with a Fiduciary. Jeff suggests a 3-question test before selecting the right financial advisor. A wide range of topics are discussed including making the decision when to retire, claiming social security, asset allocation, risk tolerance, estate planning, tax planning, Roth conversions, retirement cash-flow projections, stress testing a plan, and avoiding financial mistakes. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Cape Cod Housing Challenges – Alisa Magnotta from the Housing Assistance Corp (HAC) of Cape Cod joins Chris Boyd and Jeff Perry to discuss the numerous housing related challenges in the region. Alisa reviews the wide range of services and programs of HAC in attempts to bridge issues between homelessness and homeownership. The discussion highlights the growing issues of homelessness, including an increasing number of senior citizens, and the ever-present need for additional workforce housing. Chris asks Alisa how people can assist HAC with their efforts. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
8 Ways to become poor in your Retirement – Chris Boyd and Jeff Perry review an article which outlines common financial mistakes baby boomers are making in their retirement years (see link below). Having too much consumer debt, starting social security too soon, having too much house, not having a realistic budget, and selling your investments at the wrong time are some of the issues covered.
https://www.gobankingrates.com/retirement/planning/ways-baby-boomers-become-poor- in-retirement/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Should you worry about a declining birth rate? –The world is at a startling demographic milestone. Sometime soon, the global fertility rate will drop below the point needed to keep population constant. It may have already happened. Chris Boyd and Jeff Perry review a recent Wall Street Journal article discussing what declining birth rates mean to the economy, investing and the quality of life (see link below).
https://www.wsj.com/world/birthrates-global-decline-cause-ddaf8be2
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
What is the economic data telling us? – Chris Boyd and Jeff Perry explore the financial data reports from the past week, including the Producer Price Index, Consumer Price Index, Retail Sales, and Consumer Debt. Chris reviews comments from Federal Reserve Chairman Jerome Powell regarding the Federal Reserve’s efforts to tame inflation. Jeff discusses the impacts that higher interest rates are having on consumer spending and willingness to take on debt.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
5 Conversations with your Financial Advisor - Based on the recently published article in Financial Planning (linked below), there are five extraordinary circumstances that go beyond the basic retirement planning that advisors should address with clients. The topics of discussion include non-traditional relationships and what happens when things go wrong, special issues with minor children, estate planning in second marriages, health challenges, and income tax surprises. Chris and Jeff also dig into some frequent areas where people with good intentions neglect to consider when putting together their financial plans.
https://www.financial-planning.com/list/5-financial-planning-conversations-for- clients-in-2024
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Earnings and what really matters – Chris Boyd welcomes Brian Regan to the show. With approximately 80% of corporate earnings reported for this quarter, Brian outlines common trends he is seeing from these earnings. Jeff Perry questions Brian about areas of concern that CEO’s and investors may be focused on. Brian explains how he approaches evaluating a company to invest in and the trio discuss how stock buybacks and dividends can be positive or negative for a stock. Chris asks Brian how he makes the decision when it is time to sell a specific investment. Brian reflects on an article he recently authored on the subject. A link is noted below.
https://www.thestreet.com/retirement-daily/your-money/thinking-slow-about-stocks-how- kahnemans-insights-improved-my-investment-results
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Mail Bag – For this episode, Chris Boyd and Jeff Perry open the “Mail Bag” and discuss questions from clients and listeners. Chris and Jeff start the episode with a Happy Mother’s Day wish. During the episode, Chris and Jeff discuss the “Still Working” exception related to 401Ks and required minimum distributions (RMDs), how to use a QCD (qualified charitable distribution) to reduce income taxes, and best practices when planning for loved ones with special needs. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
The Retirement Smile – Chris Boyd and Jeff Perry explore personal spending patterns when people enter retirement. The Retirement Smile shows increased spending in the early and late stages of retirement. Chris and Jeff dig into the reasons for this phenomenon and how to create a financial plan to best reflect projected spending and capital needs. Chris also brings up a Wall Street Journal article indicating that most people expect their retirement age to be sixty-five, but reality tells a vastly different story. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
AI and the Human Element of Marketing – Michael Byrnes of Byrnes Consulting joins Chris Boyd and Jeff Perry to discuss how Artificial Intelligence is changing how companies do business and how consumers receive information. In addition to discussing how changes in technology impact businesses and the manner in which they market their goods and services to customers, Michael, Chris, and Jeff discuss instances of Cause Related Marketing. The conversations explores recent examples of how organizations succeed or fail in such efforts.
https://www.byrnesconsulting.com/founder-and-president/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
17th Anniversary & Changing Times – The Something More with Chris Boyd Radio Show has been on WXTK 95.1FM for 17 years! Chris Boyd and Jeff Perry have a wide- ranging conversation about how the radio show has changed and developed over the years. With a little bit of reminiscing and looking into the future, Chris offers his personal thoughts and business perspective on why the Something More with Chris Boyd Show is soon moving entirely to podcasts. Listeners are encouraged to follow the show on their favorite podcast channel and also to listen live to the final radio show from 3:00pm – 5:00pm on Saturday, June 1 st on 95.1FM WXTK.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Investors who are more like Gamblers – Brian Regan, Team AMR’s Senior Portfolio Manager, joins Chris Boyd and Jeff Perry and shares his commentary on what he perceives as a growing trend of people “gambling” in the stock market by investing in financially unsound companies. Brian goes into detail and reflects how far too many people are buying stocks in companies close to bankruptcy. The trio also explores the common Wall Street saying of “Sell in May and go away”. Chris and Jeff explore whether there is any value of such a tactic. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
In the News this Week – For this episode, Chris Boyd and Jeff Perry dig into financially related news items from the last week. Chris and Jeff start off with a discussion of the Federal Reserve’s decision to keep interest rates at current levels. Chris and Jeff explore the direct and indirect impacts of such a decision on the stock market, mortgage rates, and the national debt. Jeff next mentions the comments of President Biden that if reelected he will not extend the Trump era tax cuts. Chris and Jeff provide their thoughts of what this could mean to taxpayers and investors. Also, in the news this week is the 150th running of the Kentucky Derby. Chris shares his plans for how he will enjoy race day. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Wrap up - Stop Sabotaging Your Retirement Plans – Chris Boyd and Jeff Perry continue a previous conversation about how to avoid some of the more common mistakes people make that can be harmful to their retirement planning. The dialogue starts out with the mistake of investing too conservatively and how inflation will erode your financial plan. Chris and Jeff next discuss why you should estimate your age as a life insurance actuary would. The episode concludes with straightforward advice on how and when to include your children in your retirement plan. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
In the News this week – Chris Boyd and Jeff Perry dig into the top financial news stories of the week. The segment starts off with a review of the recent stock market volatility. Chris reminds listeners of the first quarter results and that corrections in the stock market are common. The conversation shifts to several economic data points from the past week, including the gross domestic product, the personal consumption expenditures, and consumer spending rates. Skyrocketing auto insurance costs helped contribute to inflation accelerating at a faster-than-expected pace in March.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Financial Literacy – April is Financial Literacy Month and Chris Boyd and Jeff Perry share their thoughts on what financial and consumer topics should be included in everyone’s knowledge. The pair reviews the growing trend of states requiring a financial literacy class for high school students. Chris and Jeff also discuss various tactics available to parents to instill a desire in their children to learn the basics of personal finance.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Special Needs Planning – Charlie Massimo joins Chris Boyd and Jeff Perry for an engaging discussion concerning the various financial planning issues for parents of special needs children. Charlie shares his personal story of having two sons with autism and the many financial and personal challenges. Topic areas discussed during the episode are estate planning, future housing needs, special needs trusts, life insurance planning, and available assistance from federal and state government. The segment concludes with Charlie sharing his advice on using support groups in your geographical area to provide assistance to both the child and the parents.
See a link below to listen to Charlie’s own podcasts on related subjects:
https://podcasts.apple.com/us/podcast/your-pathways-to-wealth/id1687118452
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
What’s my Number? – In this episode, Chris Boyd and Jeff Perry explore the commonly asked question of “How much do I need to save to be able to enjoy a comfortable retirement?” While this “number” is different for each individual or couple, the below referenced article indicates that the result of a recent survey pegs the figure of $1.5M. Chris & Jeff review a range of factors to consider when calculating a financial number target, including income sources, debt, housing, location, and desired lifestyle in retirement. Chris and Jeff next review data from various sources that clearly demonstrates that the average person is not saving enough to reach the necessary level for retirement.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Stop Sabotaging Your Retirement Plans – Referencing a recently published article from Sarah Newcomb, PhD, Chris Boyd and Jeff Perry review a number of subjects that can put your retirement plan in jeopardy. Chris and Jeff start off the episode with a reminder that everyone should have their estate plan in place long before retirement. Jeff reflects on the advice he provides both as an attorney and financial planner. The conversation moves on to the topic of how a family home can be either a burden or a benefit to a retirement plan. To wrap up this segment, Chris and Jeff discuss the personal and financial costs of enabling a child or family member. While a sensitive and diverse issue, Chris and Jeff reflect and offer advice on how these difficult and emotional situations should be addressed.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Looking Back/Looking Forward – Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry with his commentary on the first quarter returns in the stock market. The conversation naturally moves to a forward-looking view of the second quarter and beyond. Brian outlines the “Bull” and “Bear” cases for the remainder of 2024. The dialogue covers commentary on recent employment data, inflation trends and recent geo-political events. Chris and Jeff close out this episode with their reflections of how global threats and the news media can impact how clients and investors feel about risk assets.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Level 5 - Abundance – Chris Boyd and Jeff Perry wrap up their previous discussions concerning the 5 Levels of Wealth by discussing the subject of “Abundance”. The pair offer their thoughts on how living in abundance occurs when one is able to align their financial wealth with their personal values and desired purpose resulting in full contentment. The conversation continues with the importance of being content and satisfied with your financial status, while focusing on relationships, personal growth, and overall happiness. Chris reflects on various ways mentoring and volunteering can enhance this stage of life. The episode concludes how one’s desired legacy fits into this stage of abundance.
https://www.gobankingrates.com/money/financial-planning/the-5-levels-of-wealth-and-how-to-get-there/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Mail Bag - Should we worry about the Dollar? – Chris Boyd welcomes Brian Regan to this episode to discuss a question from the AMR Team Mail Bag. This listener’s question asks about the threats to the strength of the US Dollar and whether China may have a political or market interest in a devalued US Dollar. Other threats to the strength of the US Dollar are discussed, including the rising level of US government debt. The episode concludes with a conversation of the seemingly growing number of newsletters and fear- related products being marketed to consumers.
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Market Observations/First Quarter review – Brian Regan joins the show to share his generally positive commentary on the first quarter results in the financial markets. Brian highlights that recent market performance emphasizes why diversification is key to a financial plan. Chris Boyd and Jeff Perry add in their thoughts on the market, including bonds, geo-political events and a review of a recently released shareholder letter from Jamie Dimon. For more information or to reach Chris Boyd or Jeff Perry, click the link below:
https://www.wealthenhancement.com/s/advisor-teams/amr
Level 4 - Freedom – Chris Boyd and Jeff Perry continue their series about the 5 Levels of Wealth (see related article linked below). For this segment, they move onto level 4 – Freedom. Chris and Jeff discuss how Freedom means having the ability to cover your current and future financial needs, and when working is more of a personal choice than a financial need. Jeff emphasizes that reaching the freedom stage still requires long-term planning, budgeting and lifestyle discipline. Chris talks about why it is important to stress-test your financial plan, especially for the potential need of long-term care.
https://www.gobankingrates.com/money/financial-planning/the-5-levels-of-wealth-and- how-to-get-there/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
In the News – There is never a shortage of financially related news items to discuss. In this episode, Chris Boyd and Jeff Perry begin the conversation with the recent Solar Eclipse and the economic impact of such an event. Chris and Jeff next review economic data reports from the week, including the Consumer Price Index (CPI) and the Producer Price Index (PPI) and what each report tells us about inflation trends. To wrap up this segment, Jeff brings up a story that Costco has been selling up to $200M a month in gold bars. Chris discusses why people buy gold related assets. The segment ends with common sense advice to investors in such assets. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Mail Bag – In this episode, Chris Boyd and Jeff Perry answer a question from a listener on the subject of what is the correct type of life insurance? Chris summarizes the scenario where a woman from Wisconsin asks about whether a whole life insurance policy is an effective use for life insurance and for saving for future college expenses and retirement. Chris and Jeff outline how to evaluate the need and amount of insurance and when different types of policies may be appropriate. The segment concludes with advice to listeners to work with a financial advisor who is a fiduciary and to be fully informed of all the costs and benefits when being sold a financial product.
For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Changing Advisors – Chris Boyd and Jeff Perry dig into a recent survey which indicates that approximately 75% of financial planning clients considered changing their financial advisor last year (see link below). Chris and Jeff provide responses to the various parts of the survey, including that 61% of clients said they prefer to hear from their advisors via email, while 41% say they would rather talk over the phone, and 38% say they would like a face-to-face meeting with their advisor. Chris and Jeff provide commentary on the importance of a financial advisor knowing the client’s goals, fears, tolerance to risk, and legacy desires. https://www.financialadvisoriq.com/c/4460534/577254/clients_left_considered_leaving_t heir_survey_finds For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Tax Day is upon us – With April 15 th quickly approaching, Chris Boyd reminds listeners of important income tax filing dates for individuals and businesses. Chris Boyd and Jeff Perry discuss the proper income tax withholding strategies and why receiving a big tax refund is not a good thing. Jeff shares his comments on how to avoid common income tax scams while suggesting using an unique IRS personal identification number for tax filing. Chris offers listeners a complimentary 2024 Personal Finance Facts resource. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Level 3 - Security – Chris Boyd and Jeff Perry continue their previous discussion about the 5 Levels of Wealth by moving up the wealth pyramid to level 3 of Security (see related article linked below). At Level 3, Security is about seeing the fruits of your disciplined financial strategy and how financial decisions should become more second nature. Jeff and Chris go deep into the details of how much one should have for an emergency fund and the advantages of creating a comprehensive financial plan to focus on retirement planning and other significant financial planning goals. https://www.gobankingrates.com/money/financial-planning/the-5-levels-of-wealth-and- how-to-get-there/ For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
The Survey Says – Chris Boyd and Jeff Perry dig into the recently published CNBC All- America Economic Survey, which is a bi-partisan poll across the United States covering key measures of economic confidence and other business/economic issues. In this latest poll are issues of President Biden’s proposal for a Corporate Income Tax increase, banning the social media app TikTok, and voters’ thoughts on a Trump versus Biden election rematch. Chris and Jeff have some fun sharing their views on each of the subjects. As a reminder, Chris mentions that the Something More with Chris Boyd podcast recently celebrated the 1,000 th podcast and listeners can reach out for a free thank you gift by contacting Chris Boyd at the link below. To read more about the All-American Survey check out this link:
https://www.cnbc.com/american-economic-survey/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Paper Soldiers – Chris Boyd welcomes Saleha Mohsin, the author of the new book “Paper Soldiers”. Saleha, a reporter from Bloomberg offers her thoughts on “the untold story of how one of America’s most invincible institutions (the Treasury) has used the U.S. dollar to define America’s role in the world, and our economic future”. Saleha explains how the Treasury Department has shaped U.S. policy at home and overseas by wielding the American dollar as a “weapon” and what that means in a new age of crisis. Chris adds his commentary on globalization and how the strength or weakness of the dollar impacts American business and the consumers. The conversation of the impacts of
September 11 th and how the U.S. is able to use the dollar in diplomacy. The episode concludes with potential threats to the dollar and whether it is possible for another nation(s) to replace the dollar as the world’s dominant currency. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Retirement Planning for Women – With March being Women’s History Month, Chris Boyd and Jeff Perry welcome Jocelyn Lee of Wealth Enhancement Group to the segment to discuss unique challenges that many women face in financial planning. Jocelyn starts out by sharing her personal story of meeting her first financial advisor and how she prefers a values-based planning approach. During a lively dialogue, the trio explore issues many women face of taking time off from work to care for family and how this relates to future social security benefits and the need for retirement planning in general. Wealth Enhancement Group is offering a complimentary “Retirement Guidebook for Women”. You may request a guidebook by contacting Chris or Jeff at the link below. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
Level 2 - Strategy – Chris Boyd and Jeff Perry continue their previous discussion about the 5 Levels of Wealth by moving up the wealth pyramid to the level of strategy (see related article linked below). At Level 2 you are no longer just surviving, you are beginning to make your money work for you. Chris and Jeff outline a successful method of goal setting and dig into some common financial goals of saving for a home purchase, saving for retirement, and planning for higher education costs of children. Chris provides his thoughts for reducing risk as you get closer to a financial goal.
https://www.gobankingrates.com/money/financial-planning/the-5-levels-of-wealth-and- how-to-get-there/
For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
The 5 Levels of Wealth – Part 1 “Stability” – Chris Boyd and Jeff introduce the topic of the different levels of wealth with the first level being stability (see link to related article below). Jeff starts off by explaining that this level is not solely about income, as many people with a big paycheck often struggle to achieve financial stability. The conversation turns to adopting a mindset of deferred gratification and having discipline in spending. Other issues discussed are the benefits of having your own personal financial statements and building an emergency fund. The episode closes with advice on large budget items such as health and auto insurances. https://www.gobankingrates.com/money/financial-planning/the-5-levels-of-wealth-and- how-to-get-there/ For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
In the News – Chris Boyd and Jeff Perry dig into the financial news of the week. The big news moving the markets this week is the comments of Federal Reserve (Fed) Chairman Jerome Powell indicating the likelihood that the Fed’s are still expecting interest rates to decline later in the year. Jeff next mentions the topic of the National Association of Realtors reaching a settlement to end landmark antitrust lawsuits by paying $418 million in damages and eliminating certain types of commissions. Chris and Jeff discuss the likely changes to how real estate agents are compensated and the need for consumers to be aware of upcoming changes to selling and buying a home. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
The Big 3 Risks to your Retirement – Chris Boyd and Jeff Perry review and comment about the potential risks to financial plans during retirement years. Included in this discussion is “LONGEVITY RISK” or how long your money needs to last. The next risk reviewed is “INFLATION RISK” and the need for your income to keep up with rising costs over the years. Finally, Chris and Jeff discuss “MARKET RISK” which means being able to tolerate how markets may fluctuate dramatically over time. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
1,000! – This episode marks the #1,000 podcast of Something More with Chris Boyd! Jeff Perry joins Chris as Chris reflects on his motivations for starting the radio show and podcast almost 17 years ago. Chris also talks about his favorite segments and most interesting guests. Chris shares his personal thoughts and discusses the future of the podcast moving forward. At the end of the segment, Chris announces a complimentary “Money Tree” gift to listeners who write in. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
More Rules of Thumb – Chris Boyd and Jeff Perry go back to a recent conversation of common financial rules of thumb. They start off by defining the term “net worth”. Chris reflects on the book “The Millionaire Next Door” and Jeff mentions a financial calculation that compares one’s net worth against their income. Next the duo explains the Rule of 72 and how it is helpful when doing quick calculations of when an investment is expected to double. The often- discussed term of Financial Freedom is deliberated in the context of a formula of
one’s annual expenses. Chris closes out the segment with an explanation of the 4% withdrawal rate for retirement assets with cautions of depending solely on rules of thumb. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
What if you don’t need your RMD? – Chris Boyd and Jeff Perry dig into the commonly asked question of what to do with Required Minimum Distributions (RMDs) when you don’t need the money, and would like to avoid the resulting income taxes. Chris and Jeff converse about how frequent it is for clients to reach an age when the IRS requires you to start withdrawing money from retirement accounts that you don’t need to tap into just yet. Chris and Jeff discuss various options of how to invest, spend, or give to a charitable cause. (See reference article at the link below). https://finance.yahoo.com/news/rmds-dont-money-yet-140430152.html For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
0Picking up the Pieces – Brian Regan joins Chris Boyd and Jeff Perry for this episode to discuss Brian’s recently written article titled “Picking up the Pieces”. Brian starts off with his straightforward commentary of what he calls the “Cult of Private Investments”. The dialogue shifts to the debate of hiring a financial advisor compared to simply buying index funds. The trio next offers their thoughts on why high yield savings accounts are so popular and when it is prudent to use one. Brian next shares his thoughts on why Municipal Bonds are not that attractive in most circumstances. To conclude this segment Chris, Brian and Jeff dig into investment returns and how they are compared and should be compared against a benchmark. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
In the News – With no shortage of newsworthy topics to discuss, Chris Boyd and Jeff Perry review popular news stories of the week. On a lighter note, Chris and Jeff start off with expressions of appreciation for moving our clocks one hour ahead to Daylight Savings time. The duo shifts to the political topic of President Biden and former President Trump basically locking up their respective primaries. Chris and Jeff speculate what could happen to change this expected election rematch. The segment ends with a review of the week’s economic data, including the CPI, PPI, and unemployment numbers. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
https://www.wealthenhancement.com/s/advisor-teams/amr
Rules of Thumb – Chris Boyd and Jeff Perry dig into a variety of financial generalized rules of thumb when it comes to personal finance ratios. Chris starts off by questioning Jeff on his views about how much is too much regarding common family purchases such as home costs and automobile buying. Chris and Jeff debate the best way to approach student debt and student loans (they don’t exactly agree). Jeff asks questions to Chris about common rules when it comes to how much one should be saving for retirement. Jeff next asks Chris for his view of how risk exposure to stocks changes as an investor grows older.
In the News – Chris Boyd and Jeff Perry start of this segment with commentary about the current state of the news in America and the lack of unbiased sources of current events. The conversation shifts to the topic of the growing national debt. Jeff highlights a variety of data points from the US Debt Clock (see link below). Chris and Jeff reflect on recent statements by Jamie Dimon about the future negative economic impacts of the national debt. Chris and Jeff turn to Federal Reserve Chairman Jerome Powell’s statement and testimony to Congress this week and its impact on the markets. Chris and Jeff discuss the assorted topics of interest rates, economic data and the influences of elections and politics.
https://usdebtclock.org/
Tax Guide Offer – Chris Boyd and Jeff Perry welcome listeners to an entertaining discussion announcing that the Something More Podcast is approaching its 1000 th episode. The pair share planning thoughts to celebrate the milestone. Chris and Jeff shift the discussion with an offer to listeners of a complimentary 2024 Income Tax Guidebook. Chris and Jeff summarize the topics in the guidebook, including tax brackets, exemptions, credits, records retention and more. The segment concludes with Chris telling a personal story of the excellent customer service he recently received from a local locksmith.
What Warren Buffet says – Chris Boyd and Jeff Perry dig into Warren Buffett’s most recent letter to shareholders where he outlines some of the things that have made Berkshire so successful at picking the best companies to invest in over longer time periods, including having a clarity of purpose when choosing a stock, only focusing on quality investments, favoring companies run by good managers, holding onto investments for the longer term, and practicing fiscal conservatism (see related Morningstar article below).
https://www.morningstar.com/stocks/warren-buffett-charlie-munger-realistic-investment- expectations-stocks-he-wont-sell
#smwcb #warrenbuffet #morningstar #weg #financialadvisor #shareholders #investments
Are Interest Rates high or does it just feel like it? – Over the last few years, the rate on the average 30-year fixed-rate home mortgage jumped from less than 3% to more than 7%. Chris Boyd and Jeff Perry discuss the history of interest rates and debate whether rates are currently high (see related Bottomline article below). This dialogue shifts to what level of investment returns investors should plan for in the short and long term. Chris offers detailed commentary on the challenges of market declines in the years following retirement. https://www.bottomlineinc.com/money/economy/what-the-history-of-interest-rates-can- tell-us-about-todays-rates#
#interestrates #smwcb #weg #mortgage #financialpodcast
Family Finances – Chris Boyd and Jeff Perry dig into the difficult topic of managing family finances. Chris starts off the segment with an introduction of the 50/15/5 rule (see link below) which suggests separating expenses into various categories to ensure you are not spending too much in any one area. After Chris and Jeff comment on each allocation category, the conversation shifts to how a married couple can get on the same financial page with positive conversations. Chris and Jeff reference the article from Kiplinger’s noted below.
https://www.fidelity.com/viewpoints/personal-finance/spending-and-saving
https://www.kiplinger.com/personal-finance/how-a-couple-can-get-on-the-same- financial-page
#familyfinances #smwcb #weg #kiplingers #fidelity
Tax Talk – In the midst of the income tax filing season, Chris Boyd and Jeff Perry review a number of 2023 deductions and credits. Jeff brings up that the Internal Revenue Service (IRS) now allows taxpayers to establish an online account with the IRS. Chris and Jeff offer their thoughts on how long you are required to maintain tax records and supporting documentation. The conversation turns to tax planning for 2024. Chris offers a complimentary 2024 Tax Guide to listeners.
#smwcb #weg #taxtalk #financialpodcast
Brian Regan joins the show to review recent updates on Inflation and what investors should make of these reports. Also discussed are Debt & Deficits. With $34 Trillion in US Debt and perhaps as much as $2 Billion per day cost of the debt service, Brian shares thoughts on the ongoing challenges need practical solutions.
With big earnings and stock movements from semiconductor makers, Brian Regan shared some insights into the industry, as well as how to invest smartly even if you weren’t in on the ground floor of some big market movers. Chris also references American College of Financial Services survey reported on by Barron’s which answers the question, “Do Financial Advisors Really Improve Retirement Readiness?”
Could a Government Shut Down be only days away? Chris shares insights about the risks of a 3/1/24 deadline and what it should mean for investors if we do have a shut down. Complicating negotiations are enormous deficits and growing debt. Chris weighs in on declining global trade, the challenges of target date funds, and other items in this week’s news.
More Mail Bag Questions – Chris Boyd and Jeff Perry dig into more questions from podcast and radio listeners. In this episode Chris discusses how too many investors are chasing yield, which may actually be adding more risk than is perceived. Chris and Jeff share their thoughts regarding total return versus income. The segment concludes with a dialogue of the dangers and costs of buying and owning a timeshare.
#InvestmentYield
#TotalReturnVsIncome
#FinancialInsights
#InvestmentTips
#RiskManagement
#TimeshareRisks
Chasing Investment Yield
Total Return vs. Income Debate
Timeshare Ownership Risks
Understanding Investment Risks
Avoiding High-Risk Investments
Timeshare Costs and Dangers
Financial Planning Advice
Investment Strategy Mistakes
Survey of the five worst things that harm your retirement plan – Chris Boyd and Jeff Perry discuss a recent nationwide survey which asked workers and retirees about mistakes and major life events, and how it impacted their retirement. Chris and Jeff review the top five results and offer specific commentary on how to avoid making these mistakes and other ways to enhance your retirement financial plan. A copy of this article can be found at the link below:
https://www.fool.com/retirement/2024/02/01/americans-label-these-5-things-as-their- worst-reti/
#RetirementPlanningMistakes
#RetirementSurvey
#FinancialPlanningTips
#AvoidRetirementMistakes
#RetirementSavings
Retirement Planning Mistakes
Major Life Events Affecting Retirement
Nationwide Retirement Survey Results
Enhancing Retirement Financial Plans
Avoiding Retirement Planning Mistakes
Retirement Savings Tips
Financial Planning for Retirees
Workers and Retirement Survey Insights
Chris Boyd and Jeff Perry dig into questions from podcast and radio listeners. In this episode Jeff asks Chris about the merits of UITs/Defined Portfolios, Closed-End Funds, & other illiquid types of investments. Jeff also questions Chris about investment portfolios with an overly simplistic design, broad balanced funds, and portfolios with a concentration in a single fund family.
#InvestmentTrusts
#DefinedPortfolios
#ClosedEndFunds
#IlliquidInvestments
#InvestmentStrategies
#BalancedFunds
Unit Investment Trusts (UITs)
Defined Portfolio Investments
Closed-End Fund Strategies
Illiquid Investment Types
Simplistic Investment Portfolios
Broad Balanced Funds
Family Meetings – Chris Boyd and Jeff Perry welcome Robert Mauterstock of Plan4Life to discuss when and why family members should be included financial planning meetings. The trio discusses real-life situations where including family members in meetings with financial advisors makes the most sense. Bob offers advice on what types of information should be shared with your children and in what context. The importance of estate planning is also highlighted.
#FamilyFinancialPlanning
#EstatePlanning
#FinancialAdvisors
#FamilyFinance
#Plan4Life
#FinancialTips
#FinancialInsights
#EstatePreparation
#FinanceForFamilies
Family Financial Planning
Estate Planning Advice
Financial Advisors Meetings
Involving Family in Finance
Understanding Bonds 101 – Chris Boyd goes back to the basics of investing in Bonds. Chris starts out by explaining how stocks and bonds are different and why each has their proper place in one’s investment portfolio. Chris discusses the different types of bonds, bond investment vehicles, and their associated levels of risk. He points out that while bonds pay a fixed interest rate that becomes more attractive if interest rates fall, it also drives up demand and the price of the bond. Conversely, if interest rates rise, the price of a bond will go down. Jeff Perry joins the segment and questions Chris about the proper allocation of bonds for people as they age, and likely become more concerned about stock market risk.
Valentine’s Day and healthy marital finances – With Valentine’s Day quickly approaching, Chris Boyd and Jeff Perry dig into why and how good financial communication between spouses/partners is essential to a happy long-lasting relationship. Jeff shares how he and his wife Lisa have a monthly financial review meeting. The conversation turns to a study discussed at the link noted below from the Bowling Green State University’s National Center for Family & Marriage noting that 31% of those 65 and over are remarried. The article goes on to discuss important things to consider when remarrying later in life, including the need for a pre-nuptial agreement, revised estate planning documents and excellent communication between the spouses. Chris and Jeff discuss common issues of family strife that occur when there is not clear financial expectations between the parties and their families.
https://www.aarp.org/money/investing/info-2023/financial-checklist-before-remarriage.html
In the news this week – Chris Boyd and Jeff Perry start off the segment with a review of the record high level of stock market prices. Chris and Jeff next talk about the upcoming Superbowl pitting the Kanas City Chiefs against the San Franciso 49ers. The conversation transitions to the finances of the Superbowl, including the over $1B of economic stimulus to Las Vegas (site of the Superbowl) and the $26B projected to be wagered on the game. The segment ends with commentary on reports from the Congressional Budget Office (CBO) estimating that this year’s federal budget deficit will be $1.6T, and without changes to revenue or expenditures, the annual budget deficit in 2034 will rise to over $2.6T. Chris and Jeff discuss at what level the growing national debt will be an issue to the financial markets.
“Live Long, Die Short” – Chris Boyd and Jeff Perry welcome Dr. Roger Landry to the show. After a twenty-three year career in the Air Force, he became the President and Chief Content Officer of Masterpiece, which is an organization with the goal to research and change the perception on “health, change, and aging”. In addition, Dr. Landry is the author of “Live Long, Die Short: A Guide to Authentic Health and Successful Aging”. Dr. Landry focuses his comments on helping older adults achieve and maximize their true potential for healthy longevity, one that is based on research-backed content and lifestyle-focused measurements. Dr. Landry calls his holistic approach to a “Health Portfolio” is driven by having a purpose, learning new things, engaging in physical movement, and maintaining strong social connections.
And the survey says… – Chris Boyd, Jeff Perry and Brian Regan dig into the details of the State Street Global Advisors survey of more than 1,500 investors to better understand their goals and concerns. The survey also provides data on their 12-month outlook on the economy and their own personal finances. The trio discuss the survey results which show that inflation remains the number one concern of investors (66%) followed by rising healthcare costs (48%), recession fears (46%), saving enough for a secure retirement (44%) and market volatility (35%). Chris, Jeff and Brian offer commentary of their thoughts on the subjects which concern them the most.
Investor Survey Analysis
State Street Global Advisors
Investment Concerns
Economic Outlook
Personal Finance Trends
Inflation Impact on Investments
Healthcare Costs and Investments
Recession Fears
Retirement Planning Concerns
Market Volatility Insights
Should you consider downsizing in retirement? – All in the context of a comprehensive financial plan, the question of downsizing your home in retirement is dynamic and personal. Chris Boyd and Jeff Perry discuss the pros and cons of whether to downsize your residence in retirement. Over the course of the episode, Chris and Jeff cover the financial considerations of cash-flow, operating costs, capital needs, income taxes, and estate planning. Recognizing this decision is not strictly a financial decision, the duo discusses lifestyle considerations, such as climate, travel, closeness to family, and having a home that can meet future physical limitations. Lots of things to consider before making such an important financial and personal decision.
In the Financial News this week – Never a lack of breaking financial news on the minds of investors. Chris Boyd and Jeff Perry review a few stories from the past week, starting off with the Federal Reserve’s decision to keep the Fed Funds rate steady. Jeff reviews several employment reports that may show a slowdown in hiring. The pair next discuss a House of Representatives vote which passed a bipartisan tax bill that would increase the Child Tax Credit to benefit millions of low income families, while also allowing for the favorable treatment of corporate tax deductions for certain research and development expenses. The episode closes with a conversation of Elon Musk's Neuralink implanted brain computer chip. This evolving technology uses a robot to surgically place a brain-computer interface (BCI) in a region of the brain that controls the intention to move. The initial goal is to enable people to control a computer cursor or keyboard using their thoughts alone.
What is moving the Market – Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry to review what has been moving the stock and bond markets recently. Topics in this episode include the Federal Reserve interest rate decision, rising tensions in the Middle East, geo-political impacts on trade and energy prices. The segment concludes with a summary of a recent webinar presented by Chris and Brian, which includes a conversation about the historical perspective on the markets and Presidential elections.
#MarketMovements #FederalReserve #MiddleEastTensions
#TradeAndEnergy #GeoPoliticalImpacts #StockAndBondMarkets
#ElectionEconomics #MarketHistory #InvestmentWebinar
Market Trends Analysis
Brian Regan
Federal Reserve Interest Rates
Middle East Tensions Impact
Trade and Energy Prices
Geo-Political Market Effects
Stock and Bond Market Insights
Presidential Elections and Markets
Historical Market Perspectives
Investment Strategy Webinar Summary
While millions of Americans spend their working days dreaming about retirement, many fail to take the crucial financial steps they should before becoming a retiree. Chris Boyd and Jeff Perry discuss a recent article (link below) titled, “Don’t even think about retiring until you have these three things paid off — and no, your mortgage isn't one of them.” Chris and Jeff discuss the benefits of being debt-free in retirement and how one’s home can be a potential source of income or wealth. Jeff discusses using a “bucket” fund approach to save for a new car. Chris reviews different strategies for debt reduction. The segment ends with changes to student loans and strategies to consider for repayment of student loan debt. https://www.aol.com/5-best-debt-consolidation-options-233533805.html
Brian Regan joins Chris Boyd and Jeff Perry for this segment. The conversations starts with how the stock market has been breaking records under the leadership of the Magnificent 7 stocks of Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla and whether they will continue to rule the market performance for 2024. Brian reviews the recent record high stock market levels and provides his commentary on how technology has become a significant part of most companies in the S&P 500. The trio has an in-depth conversation of the most appropriate uses of managed mutual fund and ETFs.
In the News – Chris Boyd and Jeff Perry dig into some of the top stories in the news this past week. They begin their discussion with the latest report on Gross Domestic Product (GDP), which is the primary financial measure of all the goods and services produced in the United States. The recent report shows a surprising increase of 3.3% annualized rate in the fourth quarter of 2023. Wall Street had been looking for a 2% gain. Chris and Jeff change topics and review the results from the New Hampshire Presidential Primary. They go on to offer commentary about the candidates, political parties (perhaps a third party), and the issues voters care most about (see story link below). Finally, Jeff talks about the rise in crypto currency theft by bad actors from North Korea and the impact on the crypto market.
https://www.washingtonpost.com/elections/2024/01/23/new-hampshire-exit-polls/
#PresidentialPrimary2024
#PoliticalCommentary
#ElectionInsights
#VoterConcerns
#ThirdPartyPolitics
#CryptoCurrencyTheft
#SMwCB #WEG
United States GDP growth Q4 2023
Wall Street economic forecasts
New Hampshire Primary results 2024
US Presidential Election 2024
Political party dynamics USA
Voter issues and concerns
North Korea cryptocurrency theft
Impact on cryptocurrency market
Something More with Chris Boyd
In the News podcast episode
Economic and political insights
12Chris Boyd introduces the topic of diversification in the world of personal financial planning. He reviews why diversification is a cornerstone practice for most investment portfolios. Jeff Perry weighs in with comments regarding a recent news story (link provided below) which outlines how the Bill and Melinda Gates Foundation portfolio is invested primarily in just five individual stocks, including Microsoft, Berkshire Hathaway, Canadian National Railway Company, Waste Management, and Caterpillar. Chris and Jeff discuss best practices and offer real life examples why some clients are resistant to diversify their investments.
https://finance.yahoo.com/news/bill-melinda-gates-foundation-86-103000872.html
Bill and Melinda Gates Foundation portfolio
Investment strategy in major stocks
Concentrated investments analysis
Microsoft and Berkshire Hathaway holdings
Canadian National Railway investment
Waste Management and Caterpillar stocks
Financial planning and investor behavior
Understanding diversification in portfolios
Investment advice and best practices
Gates Foundation investment critique
#SMwCB #WEG #CapeCod
Do you know your income tax dates? – With the new year comes tax preparation
time. Chris Boyd outlines the key upcoming dates related to income taxes. Jeff Perry
joins Chris as the conversation goes into tax planning and making contributions to
retirement plans. The duo offers suggestions for when it is appropriate to change your
income tax withholding. Chris and Jeff have a dialogue about the value of one’s time and
when one should hire a professional for financial planning, legal services, and tax
preparation.
Income Tax Deadlines
Tax Preparation Tips
Retirement Plan Contributions
Tax Withholding Strategies
Financial Planning Services
#TaxDeadlines
#TaxPreparation
#RetirementSavings
#TaxPlanning
Social Posting
How to pay for long-term care expenses – Chris Boyd and Jeff Perry go into great
detail about the challenges of planning for long-term care. Chris starts the segment by
grouping people into three distinct categories. These groups are people with wealth to
cover the cost, those who will need to rely on public benefits, and the remainder who can
and should plan for such a possibility of a long-term care event. Jeff suggests creating a
dedicated “bucket” for long-term care expenses and offers a personal story about using a
Roth IRA. Chris and Jeff discuss a variety of other options to consider, including
insurance, equity in real estate, and hybrid approaches. Chris and Jeff also discuss an
article from Kiplinger’s Magazine on things you should know about long-term care
insurance (link provided below):
https://www.kiplinger.com/retirement/long-term-care-insurance/things-you-should-
know-about-long-term-care-insurance
Long-Term Care Planning
Healthcare Costs in Retirement
Long-term Care Insurance
Retirement Financial Planning
Kiplinger’s Long-Term Care Advice
#LongTermCare
#RetirementPlanning
#HealthcareCosts
#InsurancePlanning
How to survive the uncertainty and invest with confidence in an Election Year –
Presidential elections can be divisive and unsettling for many people. At times, the fate
of the world seems to hang in the balance with election results. But when it comes to
investing, do elections really matter all that much? Chris Boyd and Jeff Perry review a
recent report by The Capital Group which looks at such data since 1932. Listen in as you
are likely to be surprised how much or little it actually matters who is in the White
House.
Presidential Elections and Investments
Investing During Election Year
Capital Group Report Analysis
White House Impact on Stocks
Election Year Investment Strategies
#ElectionYearInvesting
#PresidentialElections
#InvestmentStrategies
#CapitalGroupAnalysis
#StockMarketInsights
Bitcoin ETFs are now available – The US Securities and Exchange Commission
recently approved 11 exchange-traded funds (ETFs) for Bitcoin. These new ETFs will
allow investors to buy an asset that tracks the price movement of Bitcoin. Chris Boyd
and Jeff Perry discuss if and when such an investment might be appropriate. Chris
provides commentary on the risk involved and how the new types of investments often do
not last for the long term. Jeff has a skeptical tone about crypto currencies in general and
offers his thoughts regarding the difficulty in valuing them. Chris reminds listeners of a
past interview with Ric Edelman on this subject (see link below to that podcast).
https://somethingmorewithchrisboyd.libsyn.com/having-the-crypto-convo-with-ric-
edelman
Bitcoin ETFs
Cryptocurrency Investment
SEC Approval Bitcoin ETFs
Bitcoin Price Tracking
Crypto Investment Risks
#BitcoinETFs
#CryptocurrencyInvestment
#SECCrypto
#BitcoinMarket
#CryptoRisks
Chris Boyd and Brian Regan discuss standard portfolio concerns, addressing issues like over- concentration in investments, the risk of over-diversification, and the necessity of aligning portfolios with personal comfort levels. They also analyze the latest inflation report and its implications for investors. The segment discusses the SEC's recent authorization of Bitcoin ETFs and how investors should approach this development.
#PortfolioManagement #InflationImpact #BitcoinETFs #InvestmentDiversity #MarketTrends Portfolio Concerns Inflation Report Cryptocurrency Investment SEC Regulations Financial Market Analysis
7 Brian Regan, Senior Portfolio Manager, shares valuable insights on Smart Money Moves, focusing on 7 Practical Ways to Save Big and Live Well. He emphasizes the importance of saving and investing for wealth building, drawing from his financial journey. This segment is dedicated to helping listeners identify opportunities to enhance their future wealth. #SmartMoneyMoves #SavingTips#WealthBuilding #FinancialAdvice #InvestingWisdom
Practical Saving Tips Building WealthInvestment Strategies Personal Finance Money Management
Jeff Dekko, CEO of Wealth Enhancement Group, joins Chris to discuss the firms approach to client success. They highlight the importance of a client-centered culture in financial planning and how their Round Table of Specialists fosters collaboration and informed decision-making. The conversation also covers integrating technology in financial services and the firms commitment to charitable initiatives.
#ClientCenteredFinance
#Financialspecialists
#TechInFinance
#CharitableGiving
#WealthManagement
Wealth Enhancement Group
Financial Planning Culture
Technology in Finance
Charitable Activities
Client-Centric Approach
Chris Boyd starts the year with a focus on Personal Finance New Years Resolutions, emphasizing the importance of reviewing and planning finances at the start of the year. He offers listeners a Complementary Portfolio Review to help them align their financial goals. The segment also touches upon the upcoming Caucus and primary season, speculating on potential outcomes and their impact on financial markets.
#FinancialResolutions
#NewYearGoals
#PortfolioReview
#InvestmentPlanning
#PoliticalImpactOnMarkets
Financial Planning
New Year Resolutions
Portfolio Management
Investment Strategy
Political Influence on Finance
Senior Financial Planner Scott Birmingham joins Chris Boyd and Jeff Perry to discuss some of the more common mistakes people make while planning for their retirement. Some of the issues discussed are planning for inflation, unexpected expenses, relocating, and rising medical expenses. Chris Boyd also outlines a complementary offer for a portfolio review and the creation of a financial plan. The trio goes into detail regarding how a financial plan should identify your goals and objectives while balancing both priorities of performance and personal risk management. Chris explains a two-meeting process where the client’s interests are paramount.
2024 Market Outlook – Chris Boyd, Jeff Perry and Brian Regan share their thoughts on the outlook for various financial markets in the new year. Brian provides a detailed review of current stock market valuations and offers an optimistic tone for 2024 corporate earnings. The trio reviews the influences of 2024 being an election year and Brian references an article (see link below) he authored on this subject. Jeff expresses his concerns about the mounting national debt.
Chris questions Brian on his thoughts about international stock investing and the overall outlook for the bond market.
https://wealthpop.com/your-politics-are-very-expensive/ Note – this segment should be Segment 1 in Hour 2 on 01/06/24
$1M does not go as far as it used to – In this segment, Chris Boyd and Jeff Perry dig into a recently published article on CNBC (see link below). Chris reviews the states where $1M in retirement savings will last the longest and the shortest. The pair outlines the actual definition of being a millionaire and Jeff reviews a survey of millionaires and the top 5 professions which create the most millionaires. You will likely be surprised which professions are on this list and which ones are not.
https://www.cnbc.com/2024/01/01/how-long-1-million-in-retirement-savings-lasts-in- every-state.html
Year in Review – Chris Boyd and Jeff Perry look back at 2023 and discuss a wide range of topics. The conversation starts out with Chris outlining the market returns for last year and offering commentary on how inflation, higher interest rates, and fears of a recession impacted the markets at different periods during last year. Chris and Jeff go on to discuss geo-political events, including the war in Ukraine and the terrorist attack on Israel.
CEO Chris Boyd of Asset Management Resources (AMR) announces an exciting merger of AMR with Wealth Enhancement Services (WEG). Chris shares his reasoning and process of selecting WEG to partner with. Chris goes on to discuss his primary reason for the merger is to enhance service and resources for the AMR clients. Jeff Perry and Scott Birmingham discuss with Chris some of the benefits clients will see in the coming weeks and months, including additional expertise for unique and complicated issues. Scott also shares his thoughts on financial planning software that should enhance the overall client experience. Chris also reviews what will not be changing after the merger, including that he and Kristen Boyd will remain as the leaders of the AMR Team in the Hyannis Office. The current AMR staff will also remain in their current positions and the level of service to clients will not change. Chris shares that CEO Jeff Dekko of WEG will be a guest of the show in approximately two weeks.
AMR and WEG merger 2024
CEO Chris Boyd's strategic move
Wealth Enhancement Services collaboration
Enhancing AMR client services
Financial planning software advancements
Jeff Perry on client benefits
Scott Birmingham's financial insights
Leadership continuity in AMR Hyannis Office
Upcoming guest CEO Jeff Dekko
#AMRWEGMerger
#ChrisBoydVision2024
#FinancialFusion
#EnhancedClientExperience
#NewEraInFinance
#SteadyLeadership
#InnovativeFinancialPlanning
#AMRTeamStrong
#ExcitingFinancialFuture
Chris Boyd, Jeff Perry and Scott Birmingham share their thoughts on goal setting and some of the ways to approach diverse types of goals, including the areas of finances, health, spiritual life, relationships, and time management. Jeff highlights the use of SMART goals, which stands for Specific, Measurable,
Achievable, Relevant, and Time-Bound. Chris introduces George Kinder’s “Three Questions,” which are Design Your Life, You Have Less Time, and Today’s the Day. Chris, Jeff and Scott discuss how digging into each question in order can help define what things in life truly are the most important to you.
Chris Boyd on goal setting
Jeff Perry SMART goals
Scott Birmingham life planning
Financial goals 2024
Health and wellness planning
Spiritual life improvement
Relationship and time management
George Kinder's Three Questions
Personal priority discovery
#NewYearNewGoals2024
#ChrisBoydLifeHacks
#SMARTgoalsWithJeff
#ScottBirminghamAdvice
#FinancialWellnessJourney
#HolisticLifePlanning
#RelationshipGoals
#TimeManagementTips
#DefineYourLife
New Year Resolutions – As the new year is upon us, Chris Boyd is joined by Scott Birmingham and Jeff Perry to discuss an article on the Schwab website (see link below) which highlights five steps that all investors should consider taking to help boost their financial fitness in the new year. Chris, Scott, and Jeff offer their commentary and suggestions on the five following financial resolutions: 1. Resolution 1: Creating a budget. 2. Resolution 2: Managing your debt. 3. Resolution 3: Optimizing your portfolio. 4. Resolution 4: Preparing for the unexpected. 5. Resolution 5: Protecting your estate.
https://www.schwab.com/learn/story/new-years-financial-resolutions-get-your-finances- in-shape
Chris Boyd New Year Resolutions
Financial planning 2023
Budgeting and debt management tips
Portfolio optimization strategies
Estate protection advice
Scott Birmingham financial insights
Jeff Perry investment strategies
Schwab financial resolutions article
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ChrisBoydFinancialTips
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NewYearResolutions2023
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BudgetingBasics
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PortfolioOptimization
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UnexpectedFinancialPrep
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SomethingMorePodcast
7Has your life changed since you started your financial plan?
In this segment, Chris Boyd outlines a complementary offer to 10 listeners for a portfolio review and the creation of a financial plan. Chris is joined on air by AMR’s Lead Financial Planner Scott Birmingham and Investment Advisor Representative Jeff Perry. The trio goes into detail regarding how a financial plan should identify your goals and objectives while balancing both priorities of performance and personal risk management. Chris explains a two-meeting process where the client’s interests are paramount. Chris, Scott, and Jeff explain that once one goes through the initial discovery process, AMR analyzes the information and makes specific recommendations of how AMR can help people address their fears and reach their goals.
Chris Boyd Money Makeover
Free Portfolio Review Challenge
Financial Fun with Chris, Scott, and Jeff
DIY Investor Tips from AMR
Widow's Guide to Financial Planning
Spice Up Your Investment Strategy
Personal Finance Transformation 2023
AMR's Exclusive Financial Offer
#ChrisBoydMoneyMagic
#PortfolioParty2023
#FinancialFunWithAMR
#InvestSmartWinBig
#AMRMakeover
#YourMoneyYourFuture
#InvestmentRevamp
#FinanceFiesta
In the spirit of the holidays, Chris Boyd and Jeff Perry explore the stock market hopes for a “Santa Claus Rally.” The two discuss how and when the concept of a Santa Claus rally started and whether it is a valid market indicator. Chris and Jeff go on to review other frequently discussed times that markets are expected to move higher, including the “January effect” and during years of a Presidential election. Jeff suggests that the recent increases in the stock market are connected to a change in the tone for interest rates by the Federal Reserve.
#SantaClausRally #StockMarketTrends #SomethingMoreWithChrisBoyd #JanuaryEffect #PresidentialElectionImpact #MarketPredictions #ChrisBoyd #JeffPerry #FinancialAnalysis #InvestmentStrategies #FederalReserveImpact #EconomicIndicators #HolidayTrading #MarketInsights Santa Claus Rally Chris Boyd and Jeff Perry Stock Market Analysis January Effect in Stocks Presidential Election and Stock Market Federal Reserve Interest Rates Impact Stock Market Predictions Holiday Season Trading Trends Financial Market Indicators Investment Strategy Podcast Economic Trends Discussion Market Behavior Analysis
Chris Boyd invites Reverand Vincent Daily to discuss the meaning and spirit of Christmas. Reverand Daily is the Spiritual Director of Pope Saint John XXIII National Seminary. In this episode Reverand Daily, Chris Boyd, and Jeff Perry discuss a wide variety of subjects related to finding and spreading peace and joy, especially during Christmastime. The conversation goes on further to discuss modern television shows, movies, and podcasts and how they are reaching people in a new way. Reverand Daily, Chris and Jeff also share personal reflections on their own faith. #ReflectingOnChristmas #ChrisBoyd #ReverendVincentDaily #ChristmasSpirit #FaithAndJoy #SomethingMoreWithChrisBoyd #ChristmasReflections #PeaceDuringChristmas #ModernFaithMedia #SpiritualConversation #HolidayPodcast #FaithInModernTimes #ChristmasJoy #ReligiousDialogue #SpiritualDirection Christmas Reflections with Chris Boyd Reverend Vincent Daily on Christmas Spiritual Meaning of Christmas Peace and Joy in Christmastime Modern Television and Faith Christmas Movies and Spirituality Podcasts Influencing Faith Personal Faith Reflections Spiritual Direction in Modern Times Engaging in Religious Conversations Chris Boyd Christmas Episode Faith Insights Podcast Spirituality and Media Christmas Season Discussions Exploring Faith and Joy
Lessons from people who hate retirement – In this segment Chris Boyd and Jeff Perry review an article (see link below) from Bottomline magazine on why some people are not happy in retirement. Chris and Jeff discuss the below list of the most common mistakes made in retirement. Chris and Jeff also share their own personal reflections and client experiences on each subject.
Counting on your work friends. Overthinking your purpose. Embracing inactivity. Overburdening your spouse. Over-relying on your children. Miscalculating your dreams. Relocating blindly. Being afraid to spend the kids’ inheritance. Lessons from people who hate retirement:
https://www.bottomlineinc.com/life/retirement-living/lessons-from-people-who-hate- retirement
Brian Regan, who is the Chief Investment Officer for Asset Management Resources joins Chris Boyd and Jeff Perry and reviews recent market performance and potential headwinds for 2024. Brian offers an optimistic tone for corporate earnings and interest rates for 2024. Jeff specifically questions Brian on sectors of the economy that he prefers and others he might avoid. Chris offers listeners the opportunity for a review of their investment portfolio, and an in-depth follow-up analysis of how this all fits into their individual financial plan.
Following up a recent episode, Chris Boyd and Jeff Perry return to a conversation of using a Retirement Checklist as you enter or are in retirement. This week Chris and Jeff go over:
Considering Medicare and Medigap deadlines. Planning for long-term care needs. Simplifying your financial life. Planning to retire TO something, not FROM something. Developing a daily routine for retirement. Spending your money. To read the mentioned article on this subject, see the link below:
https://www.kiplinger.com/retirement/retirement-checklist-are-you-ready-to-retire
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#SMwCB #RetirementChecklist #RetirementPlanning #Medicare #Medigap #LongTermCare #FinancialSimplicity #RetireWithPurpose #DailyRoutine #MoneyManagement #RetirementTips #FinancialPlanning #KiplingerArticle
Chris Boyd and Jeff Perry discuss how long you live as a major consideration when it comes to developing a solid financial plan. The pair starts off with a discussion of the different feelings and emotions that people have when talking about their own mortality. Chris and Jeff go into a variety of issues including the impacts long-term care, major purchases and inflation have on the ability to make your funds last for your lifetime. Chris and Jeff then review recent data on the different ages to take social security benefits and what individuals should consider when making such decisions.
https://finance.yahoo.com/news/most-americans-dont-understand-this-key-metric-when-planning-for-retirement-130210068.html
https://www.fool.com/retirement/2023/12/10/new-data-from-the-cdc-reveals-the-optimal-age-to-c/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#SMwCB #LongevityMatters
#FinancialSecurity #RetirementPlanning #LongTermCare #InflationImpact #SocialSecurity #RetirementFunds #FinancialWellness #MoneyManagement #FinancialAwareness
In this episode Chris Boyd digs into ways you may be able to reduce this year’s income tax burden. Chris refers to a recent article in Barrons (link provided below) and starts off the conversation with Jeff Perry on six specific areas to consider before year’s end. The pair talks about ways to defer income into 2024 and accelerate deductions for 2023. Chris and Jeff next go into the subject of locking in capital losses. This topic naturally transitions into the issues with mutual fund capital gain distributions and how to best avoid and plan for investment income taxes. Jeff reminds listeners to make their quarterly estimated income tax payments. As the segment concludes, the pair discusses current tax rates and the likelihood of higher taxes in 2026, when the Tax Cuts and Job Act expire. Chris and Jeff wrap up the segment sharing their thoughts on Roth conversions and when they make the most sense.
https://www.barrons.com/articles/taxes-inflation-deductions-brackets-roth-ira-e880ee33?st=ujq7offcrloh18q
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#SMwCB #TaxSeason #TaxPlanning #IncomeTax #TaxSavings #YearEndPlanning #Deductions #CapitalLosses #MutualFunds #InvestmentTaxes #QuarterlyPayments
In this segment, Chris Boyd and Jeff Perry review the past week’s financial data including reports on the Consumer Price Index, Core Personal Consumption Expenditures, Producer Price Index, Retail Sales, and Unemployment. Chris and Jeff discuss how the change in the Federal Reserve language (based on the above-mentioned financial data) has led to a rally in stocks and bonds this week. Jeff wonders if the Santa Clause Rally has come a little early this year. Jeff also points out that stock traders often miss such market rallies by being out of the market at the wrong time. Chris concludes the episode by considering what impacts the likely decreasing interest rate environment will have on 2024 returns in the bond and stock markets.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#FinancialReview #SMwCB #EconomicData
#FedLanguage #StockMarket #Bonds #SantaClauseRally #MarketAnalysis
#InvestmentStrategies #InterestRates #2024Returns #FinancialPlanning #AssetManagement
In this episode, Chris Boyd and Jeff Perry explore the recent decision of the Biden administration to use “March-In” rights and assert its authority to seize the patents held by pharmaceutical companies. Under the Bayh–Dole Act of 1980, the government retains certain rights on any products produced through a public-private partnership using federal funding. Chris and Jeff note that this never-before used power of the Federal government is concerning for both constitutional and commerce perspectives. The conversation takes a natural path to other actions by former Presidents (Republican and Democrat) which have led to an expansion of the power of the President. Chris and Jeff further the conversation by reviewing the most recent Republican Presidential debate and how some Republican candidates seem to embrace the expansion of Presidential power.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd: https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd
#PresidentialPowers #PharmaceuticalPatents #MarchInRights #BayhDoleAct #GovernmentAuthority #ConstitutionalConcerns #CommerceImplications #FederalGovernment #PresidentialExpansions #RepublicanDebate #PoliticalAnalysis #SMwCB
7How do you view Risk as you grow older? Chris Boyd and Jeff Perry dig into the issues of risk tolerance and asset allocation in this segment. The pair gives non-financial examples of how our tolerance for risk naturally declines as one ages. Chris goes on to share his experience and advice on making changes to one’s investment portfolio and maintaining a proper allocation of investments to be able to reach your financial goals, while being comfortable with the level of risk you are taking. The need for investment diversification is discussed in great detail. Chris and Jeff go in depth with their thoughts of different investments and products that are available to meet an individual’s particular circumstances. The segment concludes with a reminder to work with an advisor who is a fiduciary and to have a full understanding as to how your advisor is compensated.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#RiskTolerance #AssetAllocation #FinancialPlanning #InvestmentDiversification #RetirementPlanning #PortfolioManagement #FinancialGoals #FiduciaryAdvisor #RiskManagement #InvestmentProducts #SMwCB #FinancialAdvice
Barbara Cotton who is the Executive Director, Southeastern Massachusetts for the American Red Cross joins Chris Boyd and Jeff Perry to discuss the 5 Lines of Service that Red Cross volunteers work to deliver. Director Cotton shares stories about providing relief services to local Cape Cod families after fires and other support provided to those in crisis. The conversation goes further to ways the Red Cross helps families and communities prepare for emergencies, including weather related situations and the subsequent need for community shelters. Other areas discussed are blood donations, CPR training, services to our Armed Forces, and international services. Chris Boyd concludes the episode by pointing out that those individuals currently taking required minimum distributions from an IRA may want to consider a QUALIFIED CHARITIABLE DISTRIBUTION.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#AmericanRedCross #CommunityService #EmergencyPreparedness #VolunteerWork #DisasterRelief #CapeCodHeroes #SupportingFamilies #CPRTraining #BloodDonations #ArmedForcesSupport #InternationalAid #CharitableGiving #FinancialPlanning #QualifiedCharitableDistribution
Need a Retirement Checklist? In this segment, Chris Boyd and Jeff Perry review a recent article from Kiplinger’s Magazine, “Ten years before you retire is a good time to start preparing so you're in great shape when the time comes.” Chris and Jeff cover the first half of the article, which includes: Save what you can and think about how you want to live. Fine-tune your investments — allocation, allocation, allocation. Go prospecting — look for money you may have forgotten about. Make plans and give them test drives. In a future segment, Chris and Jeff will continue this discussion on the remainder of the Retirement Checklist. To read the mentioned article on this subject, see the link below:
https://www.kiplinger.com/retirement/retirement-plans/checklist-for-retirement-planning
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#RetirementReady #FinancialPlanning #RetirementChecklist #KiplingersMagazine #InvestmentStrategies #RetirementPreparation #ProspectingForSavings #TestDriveYourPlans #RetirementPlanningTips #SMwCB
Brian Regan, Chief Investment Officer of Asset Management Resources joins Chris Boyd and Jeff Perry for this episode to discuss the life and recent passing of Charlie Munger who was an American businessman, investor, and philanthropist. Until his recent death, Mr. Munger was vice chairman of Berkshire Hathaway, which is controlled by Warren Buffett. Brian starts off by sharing some of the personal and professional history of Mr. Munger and how he and Warren Buffet became close friends and business partners. Brian shares many of the financial lessons that he has learned from Mr. Munger. Jeff reminds listeners that not only was Mr. Munger a hugely successful investor, but that he lived a generous, humble life and often used humor in his conversations. Chris reflects on several quotes and principles of Mr. Munger and how his simple business methods and patience proved successful for decades.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#CharlieMunger #InvestmentWisdom #BerkshireHathaway #WarrenBuffett #FinancialLessons #Legacy #BusinessSuccess #HumorInBusiness #InvestingPrinciples #AssetManagement
In this episode, Chris Boyd and Jeff Perry welcome Rabbi Jonah Steinberg from the Anti-Defamation League (ADL). Rabbi Steinberg is the Director of ADL’s New England Region and discusses the rise of antisemitism since the October 7 th attack on Israel where the terrorist group Hamas attacked Israel killing over 1,400 people, wounding thousands, and kidnapping at least 250 children, women, and men. The group discusses a new study released this week which found that 73 percent of Jewish college students and 44 percent of non-Jewish students have experienced or witnessed antisemitism since the start of this school year. Rabbi Steinberg offers his thoughts on some reasons for the rise in antisemitism. The group discusses the poor response to antisemitism from several universities, including Harvard, Penn State and Columbia. The conversation includes the recent investigation of the U.S. Department of Education and the possibility of issues related to Title 6/Civil Rights.
For more information on the above-mentioned study, see the link below: https://www.adl.org/resources/press-release/nearly-three-quarters-jewish-students- experienced-or-witnessed-antisemitism
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#AntisemitismAwareness
With all the changes in the rules concerning inheriting an Individual Retirement Account (IRA) since the passage of the Secure Act 2.0, Chris Boyd answers a series of listener and client questions. Co-host Jeff Perry starts off with a question whether someone taking a Required Minimum Distribution (RMD) from an IRA can also contribute (and deduct) to an IRA from earned income. The questions turn to how a beneficiary IRA distribution is handled before and after the effective date of the Secure Act 2.0. The dialogue continues with specific case scenarios and which rules apply to each unique set of facts. The issues of inheriting a Roth IRA are reviewed and the segment wraps up with when it may be appropriate to consider a Roth IRA conversion.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#IRAInheritanceChanges
Attorney Andrew Singer joins Chris Boyd and Jeff Perry to discuss the current relationship between the United States and China. Attorney Singer who has studied in China and is the author of “China Sings to Me” discusses the evolution of the bilateral relationship between the United States and China after four decades of formal relations. He expands on the vitriol and blowback that people and organizations face who are trying to further a positive dialogue. Jeff quotes statistics from a Pew Research study that shows that most Americans have a negative view of China. Attorney Singer offers his thoughts why China and the United States hold such views of each other. The conversation continues with how the relationship between these two superpowers impacts not only geopolitics and military issues, but also on trade and commerce. To read Attorney Singer’s recent newsletter on this subject, see the link below:
https://www.andrewsingerchina.com/post/andrewsingerchina-newsletter-vol-2-issue-35- special
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#USChinaRelations #ChinaSingsToMe #BilateralDiplomacy #Geopolitics #TradeAndCommerce #PositiveDialogue #GlobalSuperpowers #PublicPerception #AndrewSingerChina #PodcastDiscussion
In this episode, Chris Boyd, Scott Birmingham, and Jeff Perry cover the topic of who needs an estate plan, how often the plan should be reviewed and some of the most common mistakes people make in estate planning. Jeff starts out with a review of the common documents used in estate planning. The conversation develops into the emotional side of the estate planning process and the suggested practice of including family members in the discussion. Scott shares a personal story where his own planning came into play and the lessons he learned. The trio discusses the use of trusts.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
https://www.facebook.com/SomethingMoreWithChrisBoyd
https://www.instagram.com/somethingmorewithchrisboyd/
https://twitter.com/SMoreChrisBoyd
#FinancialPlanning
#EstatePlanMistakes
#FamilyInvolvement
#EstatePlanReview
#CommonDocuments
Brian Regan, the Chief Investment Officer of Asset Management Resources joins Chris Boyd and Jeff Perry for this episode on the topic of investment portfolio construction. Chris starts out by asking Brian for his comments on how an individual’s risk tolerance impacts investment portfolio decisions. The conversation moves along to a detailed discussion on principles for asset allocation of stock and bonds. Jeff asks Brian how he goes about selecting specific mutual funds and ETFs. Brian shares his thoughts of how he uses core and satellite positions while also making periodic adjustments to a portfolio depending upon changes in valuations. The group ends the segment with some thoughts of how this all fits together at finding the right balance for each client.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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With the holiday season upon us and following the Black Friday shopping tradition, Chris Boyd and Jeff Perry encourage listeners to participate in Small Business Saturday where shoppers focus their spending at local and small businesses. Naturally this subject continues to Cyber Monday where consumers are attracted by sale items for holiday gifts from online merchants. The bulk of this episode is focused on Giving Tuesday and the issues related to charitable giving. Chris and Jeff discuss the story of how a client was able to use a Qualified Charitable Distribution to save income taxes and make a more generous charitable contribution. The segment concludes with Chris and Jeff talking about how charitable contributions fit into one’s comprehensive financial plan.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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#HolidayShopping
#SmallBusinessSaturday
#ShopLocal
#CyberMondayDeals
#CharitableGiving
#GivingTuesday
#IncomeTaxSavings
#QualifiedCharitableDistribution
#FinancialPlanning
#ComprehensiveFinancialPlan
CEO of Asset Management Resources Chris Boyd interviews Ed Slott, a CPA and the president of Ed Slott and Company, LLC, a financial consulting firm specializing in IRAs and retirement planning. The conversation begins with a review of the changes to inherited IRAs under the Secure Act 2.0. Chris and Ed next discuss the likelihood of higher federal tax rates and whether it is prudent to consider accelerating IRA withdrawals now under the current tax rates. As the end of the year is fast approaching, Chris and Ed discuss the best options for Roth IRA conversions and the use of Qualified Charitable Distributions.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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#SecureAct2.0
#FederalTaxRates
#IRAWithdrawals
#RothIRAConversions
#QualifiedCharitableDistributions
In this episode, Chris Boyd and Jeff Perry discuss the financial news of the week, including declines in both the Consumer Price and Producer Price Indexes. In addition, Chris and Jeff review recent employment data, housing prices and a sentiment indicator for the manufacturing sector. The pair goes into detail regarding the above data points showing a lowering rate of inflation and a generally slower economy. The conversation naturally continues to the question of whether a recession is likely. In addition to the financial news, Chris and Jeff discuss the details of the recent budget bills passed in Congress and the meeting in San Francisco between President Biden and President Xi of China.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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EconomicNews #InflationTrends #EmploymentData #HousingPrices #ManufacturingSector #RecessionRisk #BudgetBills #USChinaMeeting #SMwCB
As Thanksgiving draws closer, Chris Boyd and Jeff Perry welcome Kevin Doyle and Karen Rinaldo to the show. Kevin and Karen are the co-authors of “In the Wake of the Mayflower” which is the story about life after the Mayflower arrival from “The First Encounter” through the fifty years of peace that followed, and ending with King Philip’s War. The book also highlights the mutually dependent relationship between the Pilgrims and the indigenous Wampanoags that is documented in the painting by Rinaldo of The First Thanksgiving, 1621. In this episode the group furthers the conversation by talking about issues of trade, how the use of wampum rose and fell and the different concepts of value that came into play during this time period. The discussion also focuses on the differences of how native Indian people, the Dutch, and the English viewed land ownership. The segment concludes with the concept of gratitude and thanksgiving.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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#MayflowerHistory #Wampanoags #FirstThanksgiving #TradeHistory #LandOwnership #Gratitude #ThanksgivingTraditions #SMwCB
If you are looking for options when it comes to real estate, deferring capital gains and passive real estate investing, this segment is a must-listen to 30 minutes. Chris Boyd and Jeff Perry welcome Jay Frank who is the President & COO of Cantor Fitzgerald Asset Management. The discussion starts off with a lesson in 1031 exchanges, which is an exchange or swap of one real estate investment property for another, that in certain circumstances allows capital gain taxes to be deferred. Next on this episode’s agenda is a detailed outline of the Delaware Statutory Trust (DST). A DST is a real estate investment vehicle that allows investors to reinvest the proceeds from the sale of a property into a trust that holds a diversified portfolio of income-producing properties. For the final part of this episode, the trio has an informative conversation regarding investing in the Qualified Opportunity Zone Program. Jay describes the Opportunity Zone incentive as an economic development tool that supports economic growth while offering an investor the ability to defer taxes on eligible gains.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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#RealEstateInvesting #1031Exchanges #DelawareStatutoryTrust #OpportunityZones #CapitalGains #TaxDeferredInvesting
CEO of Asset Management Resources Chris Boyd is joined by Jeff Perry and Scott Birmingham to discuss a recent court ruling against the National Association of Realtors (NAR), which may have wide-ranging consequences for both home buyers and sellers. A jury recently ruled against the NAR by awarding a judgment of $1.8 billion. This class- action lawsuit of Sitzer v. the National Association of Realtors alleged that the NAR artificially and unfairly inflated agent commissions. In this context, Chris, Scott, and Jeff explore related questions that have been brought forward as to who real estate agents actually represent. Further questions of proper disclosures and consumer awareness are part of the dialogue. Chris, Scott, and Jeff also discuss how these issues relate to financial advisors. Chris emphasizes the importance of working with a Fiduciary (putting the client’s best interests first) and making sure you know how people who work for you are compensated.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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#RealEstate #NAR #AgentCommissions #ConsumerAwareness #FiduciaryResponsibility #FinancialAdvisors
In this episode, Chris Boyd and Jeff Perry discuss the most common concerns and questions from people entering their retirement years. The dialogue starts off with the common questions that most people have for their financial advisors – how much of a “nest egg” do I need? Chris offers his thoughts about the many different variables on the subject. Next up, the pair discusses the issues of the correct asset allocation, risk tolerance and how they are related to building a stable cash flow plan in retirement. Jeff stresses the importance of sharing your questions, fears, desires, and dreams with your financial advisor.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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With the end of the year fast approaching, Chris Boyd and Jeff Perry discuss recent changes to the Massachusetts income tax laws, including the Senior Circuit Breaker, Child/Senior-Dependent tax credits, rental reduction write-offs, and property tax reductions for volunteer services provided to a local government. Chris and Jeff suggest to those who are able to maximize contributions to their retirement plans before the end of the year. Jeff reminds listeners to make sure that quarterly tax payments are made on time. Jeff brings up the subject of 179 deductions for business owners. Chris furthers the conversation by discussing the value of Roth conversions and the options for charitable giving.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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CEO of Asset Management Resources Chris Boyd and Jeff Perry interview Michael Townsend, the Managing Director of Legislative and Regulatory Affairs for Charles Schwab & Co. The trio discusses wide-ranging political and governmental topics starting with the new Speaker of the House of Representatives, who he is, is he operating with the same House Rules and what to expect to be his legislative agenda. As the conversation continues, they explore the concerns of the government’s shutdown looming next week and the mounting cost of the national debt. Chris questions Michael on the various geo- political concerns and how this impacts the markets. The episode wraps up with a review of the regulatory environment for investors and advisors.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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To honor Veterans Day, Chris Boyd and Jeff Perry invite John Alexander to join them. John is a Veteran with service in Desert Storm. In addition to his military service, John is a recently retired Barnstable Police Officer and has worked as the Military & Veteran Services Advisor at Cape Cod Community College. During the segment John goes into detail about his own military service as well as a program he helped start to train police officers to be better able to assist veterans in crisis. John, Chris, and Jeff go into a detailed discussion of the various charitable groups on Cape Cod who work to provide services to Veterans and those currently in the military. John recounts his involvement with Heroes in Transition (HIT), the Ruck Run and various other services and programs offered by HIT. The segment ends with a thank you to all Veterans for their service to our Country.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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In this segment, Chris Boyd and Jeff Perry review various items in the recent news cycle that have been a factor in the stock and bond markets. The conversation starts out with Israel’s response to the Hamas terrorist attack. Next up they discuss other potential geo- political concerns, including the extended war in Ukraine and the fear such conflicts expanding to potentially include Iran, North Korea and China. Chris and Jeff next dive into the recent commentary from the Federal Reserve and the continued pause on increasing the Federal Funds rate. Jeff and Chris close out the segment with a dialogue on the Treasury’s growing need to sell additional bond securities to fund the United States growing national debt.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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As the end of the calendar year is fast approaching, Chris Boyd and Jeff Perry of Asset Management Resources review an article from Kiplinger’s magazine and remind listeners that it is a good time to start thinking about optimizing end of year Roth conversions, taking IRA required minimum distributions, planning to minimize capital gains taxes, protecting against unneeded Medicare premium increases, and considering the best options/methods for charitable giving. Chris also reminds people to be thoughtful and intentional during the holiday period regarding spending and gifting. The pair discusses how easy it is to overspend during the holiday period. To read the article referenced during this segment, see the link below: https://www.kiplinger.com/retirement/tax-moves-retirees-should-consider-before-end-of- year
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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The difficult subjects of long-term care planning and insurance are discussed in detail by Chris Boyd and Jeff Perry. Chris Boyd shares some common themes and concerns from clients about the potential cost of a long-term care event and whether purchasing long- term care insurance is a good option to consider. The pair goes back and forth on the pros and cons of long-term care insurance. To put things into a larger perspective, Chris and Jeff review the recent data related to the likelihood of having a long-term care need, the average length of stay, and the likely cost. The pair discusses options other than insurance to consider when preparing a financial plan.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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CEO of Asset Management Resources Chris Boyd and Jeff Perry interview Attorney Keats Boyd of Boyd and Boyd, PC on the recent changes to the Massachusetts Estate Tax laws. Attorney Boyd goes into detail concerning who and how the $2M threshold operates for residents and non-residents of Massachusetts. The trio also reviews the changes to the short-term capital gains rates which are now in effect for this year. Attorney Boyd ends the segment by putting all of these issues into the broader estate planning process and offers general advice regarding how often an estate plan should be reviewed.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chris Boyd and Jeff Perry dig into the subject of the 4% rule of withdrawing funds from retirement assets. The 4% rule is a popular retirement withdrawal strategy that suggests retirees can withdraw the amount equal to 4% of their savings during the year they retire and adjust for inflation or deflation each subsequent year for 30 years. In an article recently published in Market Watch (see link below), there is a discussion whether it is appropriate to use a 4.7% withdrawal rate in certain circumstances. Chris and Jeff debate the various factors and dangers to consider when developing a withdrawal strategy, as well as the need for a comprehensive financial plan.
https://www.marketwatch.com/story/the-4-rule-for-retirement-spending-is-now-the-4-7- rule-91499af
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chris Boyd and Jeff Perry welcome Chief Investment Officer Brian Regan for a review of a recent Asset Management Resources webinar on the markets and the economy. Brian reviews the year to date returns for various stock and bond benchmarks. When discussing the 10-year Treasury, Brian reflects on the rate at which the prices have fallen. Chris extends the discussion on the flattening of the yield curve and discusses whether it is a positive or negative economic indicator. Brian lays out the Bull and Bear cases for the markets. Jeff raises the question to Chris whether the recent geo-political issues are worrying investors and the markets. The episode concludes with a reminder that the recent webinar can be viewed at the link below:
https://amrfinancial.com/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Asset Management Resources Founder and CEO Chris Boyd discusses recent political events with Jeff Perry. The conversation begins with an introduction of the new Speaker of the House of Representatives Michael Johnson (R-Louisiana). In addition to the political headwinds, the conversation flows to the challenges that Congress is facing with the looming November 17 th budget deadline. Other issues discussed are President Biden’s proposal for aid to Israel and Ukraine. This dialogue naturally flows to the growing concerns of the 33 trillion dollars of national debt and how it ultimately will have broader consequences to spending and taxation.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Asset Management Resources Chief Investment Officer Brian Regan joins Chris Boyd and Jeff Perry for an in-depth dialogue on recent economic data and corporate earnings. The episode starts out with a review of the stronger than expected Q3 Gross Domestic Product (GDP) report. The conversation develops into a broad range of economic measurements, including interest rates, unemployment data and corporate earnings. Brian provides commentary on several recent corporate earnings reports, such as Google, Microsoft, and Amazon.
For more information about the efforts of the Cape and Islands United Way, click the link below: https://www.capeandislandsuw.org/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Mark Skala, who is the CEO of the Cape and Islands United Way, joins guest-host Jeff Perry for a thoughtful conversation regarding the significant real-life mental health and housing challenges facing the Cape Cod region. Mark outlines various grants and assistance that the United Way offers focusing on assisting organizations who provide respite services to those providing care to individuals suffering from Alzheimer’s disease. The conversation continues to the growing migrant crisis that Cape Cod is facing and the specific challenges that the migrant children are facing.
For more information about the efforts of the Cape and Islands United Way, click the link below: https://www.capeandislandsuw.org/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Jeff Perry and Scott Birmingham open the AMR Mailbag and tackle listener questions. The segment starts off with whether contributing to a HSA or a Roth IRA is a better choice for this specific listener’s circumstances. Jeff next offers his comments on how a Durable Power of Attorney works and when it is appropriate to have one in place. Scott next answers a question on how to choose a qualified Financial Planner as Jeff suggests three key questions to ask anyone in the financial services industry. The segment concludes with a lively analysis of how best to approach a withdrawal plan for your retirement assets.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Lead Financial Planner Scott Birmingham joins guest host Jeff Perry to discuss divorcing after age 50 and the most common mistakes people make. Scott goes into detail concerning the rise of “Gray Divorces” and offers real-life advice when confronting a pending separation. During the conversation Jeff and Scott reference a recent article published at Yahoo Finance, which outlines 13 common mistakes made when older couples divorce.
This article can be reviewed at the link below:
https://finance.yahoo.com/news/13-mistakes-avoid-divorcing-over-154803276.html
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chief Investment Officer Brian Regan of Asset Management Resources and guest-host Jeff Perry dive into the topics of an upcoming Asset Management Resources client webinar on the economy and markets. Brian starts the segment off with a detailed commentary concerning how geo-politics is impacting the stock and the bond market. While Jeff and Brian focus on the recent attack on Israel, the pair also discuss the Russian invasion of Ukraine and the related impacts to China and the United States. The segment concludes with a brief description of the other webinar subjects of Artificial Intelligence and student loan repayment.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chris Boyd and Jeff Perry discussed “The Rise of the Semi-Retired Life” as published in a recent article in Investopedia. The segment began with a review of the data which shows that 1 in 4 “retired” people decide to re-enter the workforce. The wide-ranging discussion included personal stories on the reasons people make the decision to work in their retirement, even when there is not a financial need. The pair also discussed the positive impacts of boosting social security benefits, delaying retirement funds withdrawal, having a purpose in society and the social connections made while working part-time.
Chris Boyd reminded listeners to check out their recent Retirement Red Zone webinar which can be found at https://www.youtube.com/watch?v=wOnIlD2z1RI
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Jeff Perry hosts this segment and discusses marriage and money issues with Asset Management Resources lead financial planner Scott Birmingham. The pair have an insightful conversation about how issues such as financial infidelity, having a “mine” mentality, hiding money and failing to disclose spending can have a devasting impact on relationships. Scott and Jeff provide advice on how to create and maintain a healthy relationship by setting shared financial goals, having periodic family financial meetings, and using a “we” tone when discussing potential issues of financial differences. For future reading on this topic, Jeff suggests listeners review an article about this subject recently published in Bottom Line magazine.
https://www.bottomlineinc.com/life/family- finances/how-to-handle-marriage-and-money
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Asset Management Resources Chartered Financial Analyst Brian Regan joins guest host Jeff Perry for an informative and timely discussion about how the bond market is impacting the stock market. The conversation starts with a review of the inversion of the yield curve and additional commentary by Brian on the recent movements of the 10-year treasury note. Jeff seeks Brian’s expert opinion regarding the likelihood of a recession in the near future. With a rising national debt and budget deficits, Brian and Jeff discuss the possibility of the United States Treasury potential need to pay higher rates on bonds to attract an adequate level of buyers to service our debt.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Following the recent attack on Israel, Jeff Perry and Brian Regan of Asset Management Resources discuss how this geo-political event is impacting the stock and bond markets. Their dialogue extends to the effects on middle east oil production and the possibility of price increases in energy costs across the globe. Jeff and Brian broaden the conversation by considering potential issues if the war escalates with involvement by Iran and other middle east countries. The segment ends with the pair imparting some general financial advice for investors in times of geo-political concerns.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
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https://www.instagram.com/somethingmorewithchrisboyd/
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Chris Boyd and Jeff Perry discussed “The Rise of the Semi-Retired Life” as published in a recent article in Investopedia. The segment began with a review of the data which shows that 1 in 4 “retired” people decide to re-enter the workforce. The wide-ranging discussion included personal stories on the reasons people make the decision to work in their retirement, even when there is not a financial need. The pair also discussed the positive impacts of boosting social security benefits, delaying retirement funds withdrawal, having a purpose in society and the social connections made while working part-time.
Chris Boyd reminded listeners to check out their recent Retirement Red Zone webinar which can be found at https://www.youtube.com/watch?v=wOnIlD2z1RI
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Something More with Chris Boyd:
https://amrfinancial.com/radio/
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In this segment, Jeff Perry discussed with Chris Boyd his recently published blog post, “Avoiding 6 most common retirement financial mistakes”. The core of the discussion focused on issues that many people fail to account for in their retirement planning, including preparing for often unbudgeted major expenses, being realistic about the impact of future income taxes, health care costs, and long-term care financial risks. Chris and Jeff opined on the impacts of inflation on projected spending in retirement. The segment concluded with a frank dialogue on the pitfalls of being too generous with family members.
The full article can be read at https://amrfinancial.com/take-control-over-financial-goals-2/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Dr. Molly Perdue who is the co-founder and Executive Director of the Alzheimer’s Family Support Center joined Chris Boyd and Jeff Perry for an informative interview on the extensive services they provide to individuals living with Alzheimer’s and other dementia-related diseases. The lively conversation focused on the value of support groups, care planning, education, and social and cultural programming. The segment concluded with information on the upcoming 2023 Walk for Alzheimer’s.
For more information, visit their website at https://www.alzfamilysupport.org/events
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chris Boyd and Jeff Perry enjoyed a dynamic interview with Plan4Life’s co-founder Bob Mauterstock. Bob is an accomplished speaker, author of 5 books, and sought after authority on the concerns of Baby Boomers and their need to develop a cohesive plan to preserve their financial security and pass on a meaningful legacy to their children. During this interview, the discussion focused on the physical and cognitive challenges of growing older and how to best prepare for them. Bob offered his own personal stories and provided meaningful advice concerning housing and caregiving issues for individuals and families.
To learn more visit https://plan4lifenow.com/bob-mauterstock/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Something More with Chris Boyd
Featuring Chris Boyd, Co-host Jeff Perry, and Special Guest Brian Regan
Topic: Navigating Credit Cycles in a High-Interest Rate Environment
In this riveting episode, Chris and Jeff sit down with Asset Management Resouces Chief Investment Officer Brian Regan to unpack the intricate world of credit cycles and their ripple effects on investment strategies. The trio goes in-depth, shedding light on:
- Understanding Credit Cycles: Brian offers a master class on the various stages of credit cycles. He delves into how low rates often lead to economic prosperity, but as rates rise, it can pave the way for potential credit bubbles.
- Risks and Repercussions: The conversation then segues into the dangers of an over-leveraged economy, highlighting the perils of debt refinancing, potential defaults, and the eventual tightening of credit that can thrust an economy into a recession.
- The Deleveraging Phase: Brian outlines the pivotal deleveraging process, breaking down how it functions as a corrective measure in the aftermath of excessive borrowing, leading to financial stability and equilibrium.
- Investment Strategies in High-Interest Environments: Jeff and Chris probe Brian on the best approaches for risk-averse investing in a high-interest rate milieu. Brian offers nuggets of wisdom, whether it's exploring the avenues of brokered CD ladders, considering funds vs. individual bonds, or re-evaluating one's asset allocation.
- Being a Resource for Listeners: The hosts emphasize the importance of making informed decisions. They invite listeners to consider the podcast as a resource in navigating the complexities of investment, especially in uncertain economic times.
This episode is a treasure trove of insights for seasoned investors and novices. Chris, Jeff, and Brian offer a holistic view of the credit cycle landscape and guide listeners on charting a safe path through the ebbs and flows of the financial world. Whether you're concerned about the current state of the economy, looking for low-risk investment strategies, or simply aiming to deepen your understanding, this podcast promises to be an invaluable guide.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Something More with Chris Boyd
Featuring Chris Boyd and Co-host Jeff Perry
Topic: The Four Threats to the Distribution Phase of Retirement
In this episode, Chris and Jeff delve deep into the critical phase of retirement - the distribution phase. Often overlooked, this phase poses its unique challenges, and Chris and Jeff aim to spotlight the four primary threats that retirees face during this time:
- Market Volatility: Chris and Jeff start by discussing the unpredictability of markets and how an ill-timed downturn can significantly impact retirees' nest eggs. Drawing from real-life examples, they offer strategies to mitigate this risk and ensure a steady income stream even in turbulent times.
- Longevity Risk: With advances in medical technology and healthier lifestyles, people are living longer than ever. But is their retirement income set up to last as long? Jeff and Chris touch upon the importance of planning for a potentially longer retirement and its financial implications.
- Inflation's Invisible Hand: The silent eroder of purchasing power, inflation is a threat that often sneaks up on retirees. Chris and Jeff discuss its subtle but potentially devastating impact, especially for those on fixed incomes, and provide tips to inflation-proof one's retirement funds.
- Sequence Risk: Chris and Jeff dig keep into Sequence Risk which is defined as withdrawing funds from a retirement account may hurt the overall rate of return. While a very indivdualized decision, coming up with the right withdrawal plan can result in a more comfortable retirement.
Chris and Jeff's insightful discussion, peppered with actionable advice, is a must-listen for anyone nearing retirement or in the distribution phase. They shed light on potential pitfalls and provide listeners with tools and strategies to navigate this crucial period confidently and securely. Whether you're a retiree, soon-to-be retiree, or just planning for the future, this episode is packed with valuable takeaways to ensure a smooth and worry-free retirement distribution phase.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Something More with Chris Boyd
Featuring Chris Boyd and Co-host Jeff Perry
Topic: On the Brink - The Government Shutdown & Debate
In this timely episode, Chris Boyd and Jeff Perry delve into a pressing concern gripping the nation – the looming possibility of a government shutdown. As tension builds in Washington, the duo dissects:
- The backdrop of the Shutdown
- The root of the Debate
- Impact on Everyday Americans
- Economic Consequences
- Possible Solutions and Outlook
- A Call for Unity
This episode is a deep dive into the intricate world of political decision-making and its vast implications. Chris and Jeff, with their insightful analysis, make the complexities of the government shutdown debate both understandable and relatable for their listeners. Whether you're a political junkie or a concerned citizen, this discussion offers a comprehensive look at a pivotal moment in the nation's governance.
Something More with Chris Boyd
Featuring Chris Boyd, Jeff Perry, and Special Guest Brian Regan
Topic: Economic and Market Update
- GDP Forecast: The discussion starts with an expected GDP growth rate of 4.9%. With his profound insights into economics, Brian unpacks what this figure might mean for businesses and everyday consumers.
- 10-year Treasury Rate: A notable concern is the rapid rise in the 10-year Treasury rate. The team dives into the potential implications of this surge and its broader impact on the financial markets.
- Federal Reserve Update: In a surprising move, it has tempered its expectations for future rate hikes. Brian provides context on this decision, shedding light on its implications for the future economic landscape.
- Impact on Stocks: With the Fed's announcement, there's a growing sentiment that riskier stocks might face a challenging period. Chris, Jeff, and Brian weigh in on which sectors might be hit hardest and strategies investors might consider.
- Consumer Behavior Shifts: A curious trend is emerging at retail giants like Costco. Discretionary items, typically hot-sellers, are seeing a decline. Instead, consumers are allocating more of their spending towards services and transportation. The trio unpacks what's driving this behavioral change and its potential long-term ramifications.
- Housing & Travel Trends: The consensus is that housing prices might experience a cool-down period. Conversely, travel is anticipated to normalize with the world trying to find its post-pandemic footing. Brian adds his perspective on how these trends might evolve in the coming months.
- Economic Growth Drivers: One positive note amidst all the fluctuations is the projected economic growth stemming from durable goods, particularly in sectors like aviation. The conversation explores how industries centered around durable goods like airplanes are poised to contribute to the economy's growth trajectory significantly.
This enlightening session provides listeners with a comprehensive look at the current state of the economy, potential challenges ahead, and the silver linings that promise brighter days for specific sectors—a must-listen for anyone keen on staying updated on market trends and economic forecasts.
Chris Boyd and Jeff Perry invite James Anthony from Martha's Vineyard Savings Bank to discuss the bank's groundbreaking achievement: becoming the first bank in Massachusetts to earn B Corp Certification.
Key Takeaways: * What is B Corp Certification? The hosts and James demystify what it means for a company, especially a bank, to be B Corp Certified, explaining the rigorous social and environmental performance standards, accountability, and transparency involved. * Why it Matters: James Anthony provides a behind-the-scenes look at Martha's Vineyard Savings Bank's journey to certification and why it chose this route. Learn about the positive impact this can have on customers, stakeholders, and the community. * Finance with a Purpose: Explore how B Corp Certification changes the financial landscape for consumers, influencing everything from loan offerings to deposit accounts while driving a social and environmental mission. * Impact on Quality of Life: The conversation extends beyond finance to discuss how socially responsible banking can improve the quality of life in communities. Find out how the bank's initiatives align with this vision. * The Future of Sustainable Finance: The hosts and James discuss the bigger picture of what this could mean for the banking industry in Massachusetts and beyond. Is this the start of a new trend?
Why You Should Listen: If you're interested in aligning your financial decisions with your values, this episode offers a fascinating look into the world of B Corp Certification in banking. With its mix of finance, sustainability, and community impact, this episode gives you the information you need to make more conscious choices with your money.
If you need help with financial planning issues, don't hesitate to contact Asset Management Resources at (866) 771-8901.
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As October rolls around, it's not just the leaves changing; the federal budget is too. In this timely episode of "Something More with Chris Boyd," hosts Chris Boyd and Jeff Perry provide a comprehensive rundown of the changes coming to the federal budget as the new fiscal year starts.
Key Takeaways: * The Federal Budget Explained: Chris and Jeff simplify the complexities of the federal budget, explaining how it's structured and why it matters to everyday Americans. * Fundamental Changes to Watch: The hosts delve into the most significant adjustments in the new fiscal budget, touching upon areas like social programs, defense spending, and infrastructure. * Impact on Taxpayers: How will the new budget affect your taxes? Chris and Jeff break it down, making understanding what you can expect in the upcoming fiscal year easier. * Quality of Life Concerns: Beyond the financial implications, the hosts discuss how budget changes can have ripple effects on the quality of life for Americans, including healthcare, education, and public services. * Investment & Savings Impact: Learn how federal budget shifts might influence the market and your investment and savings strategy.
Why You Should Listen: The federal budget isn't just a concern for policymakers and analysts; it has real-world implications for financial planning and quality of life. This episode equips you with the necessary insights to understand better these changes and how they might affect you, thereby making your money matters genuinely matter.
If you need help with financial planning issues, don't hesitate to contact Asset Management Resources at (866) 771-8901.
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Joined by Jeff Tomaneng, CFP®, CIMA®, a seasoned wealth advisor from AMR, the trio offers invaluable advice and strategies for those approaching the final five years before retirement.
Key Takeaways: * The Importance of a 5-Year Plan: Jeff Tomaneng emphasizes the critical nature of detailed planning within the last five years before retirement, outlining a roadmap to ensure you're financially secure when you make that giant leap. * Asset Allocation and Risk Management: Get expert tips on how you should be managing your portfolio during these crucial years. Learn about the balance between risk and reward and how to optimize for a comfortable and sustainable retirement. * Quality of Life Concerns: It's not just about the money. Chris, Jeff, and Jeff explore the non-financial aspects that make retirement fulfilling, from choosing the right location to live to identify post-retirement pursuits that bring you joy.
Why You Should Listen:
Navigating the path to retirement can be complex and stressful. Whether you're five years away from retirement or just starting to consider it, this episode provides a wealth of knowledge to help you make informed decisions that could substantially impact your quality of life during your golden years.
Don't miss this episode filled with actionable advice, expert insights, and the personal touch that makes "Something More with Chris Boyd" a must-listen for your financial well-being.
If you need help with financial planning issues, don't hesitate to contact Asset Management Resources at (866) 771-8901.
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Chris Boyd and Jeff Perry explore the all-important "Retirement Redzone." Joined by special guest Scott Birmingham CFP®, ChFC®, CDFA®, CAP®, CLU, a lead financial planner with extensive experience, the trio dissects the unique challenges and opportunities that come in the critical years leading up to retirement.
Key Takeaways: * The Retirement Redzone Explained: Learn what the term 'Retirement Redzone' means and why these years are crucial for setting the stage for a financially stable retirement. * Seminar Insights: Chris, Jeff, and Scott discuss the highlights from their recent seminar on the Retirement Redzone, sharing key takeaways, audience questions, and actionable advice. * Investment Strategies: Scott Birmingham offers expert recommendations on how to optimize your investment portfolio during the red zone years, balancing between risk and security. * Tax Planning: The importance of tax-efficient strategies as you approach retirement and how the choices you make now can affect your long-term financial health. * Social Security & Medicare: Understand how these pillars of retirement intersect with your personal savings and investment plans and how to make the most of them. * Quality of Life Factors: The episode also covers the non-financial aspects of entering the Retirement Redzone, such as considering where to live, healthcare decisions, and mental preparation for this new phase in life.
Why You Should Listen:
If you are entering or are close to joining the Retirement Redzone, this episode is essential listening. With its blend of expert insights, practical advice, and attention to financial and quality-of-life factors, this podcast provides a comprehensive guide to navigating the years that will define your retirement experience.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Dive into a captivating special edition of "Something More with Chris Boyd" as we set our sights on the picturesque Cape Cod. In this episode, Chris Boyd is joined by Paul Nedzwicki, the Cape Cod Chamber of Commerce President, to shed light on local issues that hit close to home for many Cape Cod residents.
From the bridges that need to be replaced and the unique housing challenges faced by locals, Chris and, Jeff Perry and Paul navigate the intricate landscape of this beloved coastal region.
Beyond the picturesque beaches and scenic views, Cape Cod has its challenges.
If you have a seasonal spot on Cape Cod or live here year-round, we need to understand the intricacies of the local economy and infrastructure; this is an episode you won't want to miss. Join Chris, Jeff, and Paul for a journey through the heart of Cape Cod and its most pressing matters.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Retirement planning is more than just numbers—it's about envisioning your future, understanding your desires, and ensuring you're set up to lead the life you've always wanted. In this enlightening episode, Chris and Jeff will:
- Break down the complexities of retirement planning.
- Share insights and stories from their extensive experience in the field.
- Offer guiding principles to help you determine a realistic savings goal.
- Discuss crucial factors that impact your retirement requirements, from lifestyle choices to unexpected expenses.
Whether you're at the start of your retirement journey or just looking for some assurance you're on the right track, tune in to get a clearer perspective on what you truly need to save for a comfortable, fulfilling retirement.
Ready to discover your retirement number? Let Chris and Jeff guide the way. Join us for an episode packed with expert perspectives and the wisdom you need to make informed decisions for your future.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Delve into the intricate maze of college financing with your hosts, Chris Boyd and Jeff Perry, as they chat with Cozy Wittman from CollegeInsideTrack.com. Navigate the world of college affordability as they break down the differences between aid types, scholarships, and the nuances of merit-based support. Cozy sheds light on those tricky loans that often entangle students in a web of debt and shares insider tips on sneaky wording and clauses that every aspiring college student and parent should be wary of. Whether you're on the brink of making collegiate financial decisions or simply interested in understanding the complex terrain of college financial planning, this episode offers a wealth of knowledge. Dive deep into the conversation and equip yourself with insights to make informed economic choices for a brighter educational future, only on Something More with Chris Boyd!
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Join Chris Boyd and co-host Jeff Perry in a captivating discussion with Cozy Wittman of CollegeInsideTrack.com. As the daunting world of college planning continues to evolve in 2024, the trio dives deep into the essential questions every prospective student should be armed with during campus visits. Is there such a thing as having too many or too few schools on your list? With the landscape of education undergoing rapid change, Cozy shares insights into current trends, strategies, and tools to help families navigate the complexities of college selection. Whether you're a parent, a student, or simply interested in the state of higher education, this episode offers invaluable insights to help you stay ahead in the college planning game. Dive into the conversation and find out more about making the right college choices for a promising future!
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chris and Jeff Perry shed light on a pressing topic: the influence of fear and conspiracy theories in the realm of alternative investments.
Navigating the choppy waters of alternative investments can be daunting, especially when bombarded with misleading information and sensational claims. Chris and Jeff aim to equip listeners with the tools and knowledge to discern genuine opportunities from mere sales pitches fueled by panic and misinformation.
So, whether you're an experienced investor or just starting your financial journey, this episode offers invaluable insights into staying level-headed, vigilant, and well-informed. Remember, in the volatile world of finance, clarity and caution often go hand in hand.
Join Chris and Jeff, and let's debunk, demystify, and navigate the intricate maze of alternative investments together. Stay smart, stay calm, and most importantly, stay informed.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Chris and co-host Jeff Perry are accompanied by CFA Brian Regan as they delve deep into what is happening with treasury bonds. Brian is talking about fixed rate mortgages and more housing conversations happening around the world.
What does the typical person with their 401k do when they're selecting a fund?
Buying high yield?
Join us on this enlightening journey because, in the financial world, knowledge isn't just power – it's profit.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Welcome back to "Something More with Chris Boyd," where finance meets real-world understanding. In this riveting episode, Chris and co-host Jeff Perry are joined by renowned CFO Brian Regan to dissect the pulse of the stock market. As recent fluctuations stir unease among investors, Brian offers expert insight into the causes, implications, and strategies to weather this volatility storm.
Whether you're an investment pro, a stock market novice, or simply curious about the economic climate, this discussion will illuminate the intricacies of market volatility and how to stay afloat. Take advantage of this chance to catch up on the market's latest shifts and prepare for what lies ahead.
Tune in, stay informed, and fortify your financial future with Chris, Jeff, and Brian. Because in the world of finance, understanding is your greatest asset.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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In this episode of "Something More with Chris Boyd," we dive into the intricate world of financial planning and law. With special guest F. Keats Boyd III, we dissect a recent appellate court decision that has stirred the pot in the financial community. When divorce meets trust situations, how does the law interpret it? More importantly, this episode prompts us to reflect on a deeply personal question: How is your trust built?
Tune in as we explore the complexities of trust structures, the nuances of divorce implications, and the importance of financial foresight. Whether you're a financial enthusiast, someone navigating the world of trusts and estates, or just curious about how the law intertwines with personal finances, this episode promises to enlighten and engage.
Don't miss this deep dive into the ever-evolving landscape of financial planning and the legal decisions that shape it.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Dive into the intriguing world of high earners on this episode of "Something More with Chris Boyd."
Chris and cohost Jeff Perry pull back the curtain on the top 10% of income earners, offering insights into how these figures have evolved over time and what they signify in today's economy. Are you close to joining these ranks, or perhaps you're curious about how far that milestone may seem?
From examining the criteria that set these individuals apart to pondering how the average American measures up against these numbers, this episode offers a comprehensive look at the financial landscapes of success. Join the conversation and discover where you might fit in this monetary mosaic.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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On this episode of "Something More with Chris Boyd," Bill Blaisdell & Jim Seymour sit down with Chris and Jeff and talk about 40 years of helping veterans that started with a couple of guys and truck assisting soldiers returning from Vietnam. Cape and Islands Veterans Outreach Center has helped tens of thousands of veterans over the years and are continuing to do so as food insecurity and housing issues grow. The 40th Anniversary Gala is coming up so if you can support them on this mission we ask that you do.
Cape & Islands Veterans Outreach Center https://capeveterans.com/
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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In this thought-provoking episode of "Something More with Chris Boyd," Chris and cohost Jeff Perry explore the implications of increased longevity on retirement planning.
As lifespans extend and the idea of living past 100 becomes less of an anomaly, how can we ensure our wealth endures as long as we do? Delving into the delicate topic of mortality, they discuss strategies to make certain your finances keep pace with your prolonged golden years. Drawing inspiration from "Blue Zones," the new Netflix show that highlights regions where centenarians are common, they delve into the lessons we can learn from these longevity hotspots. With recent speculations suggesting that the first humans to live to be 150 have just been born, the need for extended financial foresight has never been clearer.
Join us for a conversation that marries finance with the fascinating prospects of our ever-extending lifelines.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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In this episode of "Something More with Chris Boyd", join Chris and cohost Jeff Perry as they delve into the latest market update.
Why can slow economic news spell good news for the market?
They touch upon the latest on jobs, inflation, and the uptick in CD rates.
Jeff brings his favorite term to the table, describing parts of the market as "frothy" and possibly overextended.
As September traditionally poses its own set of challenges for the market, the duo speculate on what might be around the corner for investors.
Tune in for a comprehensive look at the financial world and strategies to navigate its ever-changing tides.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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AMR will be hosting an education webinar on September 20th to help people prepare for retirement. The webinar “Are You Ready for the Retirement Red Zone?” will be held from 10am to 11:30am. You can register for the webinar at AMRfinancial.com. The program will be recorded and posted on AMRfinancial.com and the AMR You Tube channel.
Even if you are already in retirement the subjects we will be talking about will be helpful in case you missed something when planning for retirement or need to make an adjustment to your the plan.
Having a financial plan helps take the guess work out of whether you be ready for retirement when expected or if you should adjust your plan. A plan will also help identify that you and your partner have a common vision going into retirement.
When preparing a financial plan do some stress testing to ensure that you plan can hold up in the event that a worst-case scenario occurs. Some people save so long for retirement that they don’t give themselves permission to spend money that they have saved for retirement. Sometimes caring parents put their own financial security at risk when helping their children. A financial plan can provide a roadmap.
In the September 20th webinar, we will be talking about what to be thinking of and preparing for as you approach or are recently in retirement.
If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
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Recorded August 24, 2023
Are you aware of what you need to do to become prepared for retirement? Chris and Jeff talk about the upcoming education webinar “Are You Ready for the Retirement Red Zone?”.
The Retirement Red Zone is defined as the 5 years before and the 5 years after retirement. This is an important time to prepare financially and otherwise for retirement so there are no critical errors.
During the webinar, professionals from Asset Management Resources will cover topics such as:
Ø Your retirement lifestyle
Ø Cashflow – where to take money from and when to maximize return and tax savings
Ø Healthcare – options and costs
Ø Leaving a lasting legacy – estate planning, philanthropic intentions
The Retirement Red Zone webinar will be held on September 20th from 10 a.m. to 11:30 a.m. If you are interested in attending, please register at https://AMRfinancial.com.
Take the guess work out of whether you will be ready for retirement when expected or if you should adjust your plan by having a financial plan in place. A plan will also help identify that you and your partner have a common vision going into retirement.
Do some stress testing on your financial plan to ensure that it can hold up in the event that a worst-case scenario occurs. Some people save so long for retirement that they don’t give themselves permission to spend money that they have saved for this purpose. Sometimes caring parents put their own financial security at risk when helping their children. A financial plan can provide a roadmap towards a secure retirement.
If need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901.
Recorded August 24, 2023.
Is there a viable presidential candidate in the crowd?
Chris and Jeff discuss the August 23rd Republican primary debate.
8 members, who met certain thresholds, joined the debate of 12 candidates. They analyzed the performance of the candidates from their perspective.
Currently, former President Trump is widely leading his GOP rivals in the polls.
The next debate will be held on November 5th at the Regan Library.
Sarah Daly and Kristen Boyd, along with Maria Raber, are chairs of this year’s 2023 Heroes In Transition gala. The 14th gala’s theme is Legacy of Love and will be held on Friday, September 22nd at the Coonamessett Inn in Falmouth.
Heroes in Transition started in 2009, when Ken and Cyndy Jones lost their only son Captain Eric Jones in an Afghanistan helicopter crash. Since then, they continue to keep Eric’s legacy of service alive to active military members and veterans and their families through various programs that help develop a sense of community and resiliency for this population.
The programs that they offer fill the gap between what government and other agency programs don’t provide. They offer a veterans’ equine warrior program, families in transition, couple retreats, etc.
Tickets for the gala are available on their website. This year’s keynote speaker is Tim Whalen. John Terrio is the auctioneer. The live auction offers a Provincetown weekend, a weekend at the White Elephant on Nantucket, lobster boat cruise, Bruins opening night tickets, dining across Cape Cod, etc. The silent auction is open during cocktail hour and opens up for digital bids on September 15th.
100 raffle tickets will be sold for $100 each for a trip for two to Nashville at the Vanderbilt Hotel. It includes airfare, a tour of the Country Music Hall of Fame, and more.
Kristen and Sarah thank this year’s sponsors who have generously donated: Asset Management Resources, Boyd & Boyd, P.C., Cape Cod Retractable, Cape Cod Five, Catalyst Architects, Cyndy Jones, The Goosey Fund, Devadign, Valle Group, Dellbrook, Rockland Trust, Bill and Linda Zammer’s Foundation. Thank you also to Roche Brothers and Coonamessett Inn.
Recorded on August 17, 2023.
How much do you need to retire? This number is personal based on your desired lifestyle and goals (e.g., do you want to retire early, do you want to travel, etc.). It can also be a moving target because factors like inflation, interest rates, health issues, etc. may change.
Brian encourages investors to know what they are investing in and to use the services of a financial professional to help with your portfolio. Some investments like ETFs, Index Funds, Money Market Funds, are easier to understand and you may not need all of the tools in the toolbox to do well. He suggests that investors:
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Get an emotional self-check
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Build a portfolio that you can stick with for the long-term
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Build an investment that you can understand and hold during difficult times
He also says that consistent, persistent and investments that are predictable/growing at nice price will help investors to outperform market.
Are you about to get a divorce or currently going through one? Here are some things to consider from Scott Birmingham, CFP® and Jeff Tomaneng, CFP®, who both hold their CDFA® (Certified Divorce Financial Analyst) certification and help individuals going through a divorce with their financial plan.
Ø Use an attorney who specializes in divorce or family law.
Ø Have money in the bank for typical life emergencies and to cover moving/housing expenses.
Ø Look at what expenses will look like down the road – what happens when alimony or child support ends?
Ø Set up a journal or cash transactions
Ø Freeze joint credit cards
Ø Consider if all asset divisions are equitable – some may have additional expenses associated with them
If you need help with your financial plan call Asset Management Resources at (866) 771-8901. We offer a complimentary consultation.
Recorded on August 17, 2023.
Scott Birmingham, CFP®, AMR’s Lead Financial Planner shares some of the things to consider if you are planning to retire early: - You may not be eligible for Social Security, penalty-free IRA distributions, or Medicare.
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Typically, people have the bulk of their investments in retirement plans and therefore cashflow can be challenging when retiring early.
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If you retire early risk (are working fewer years) will you have enough money to cover your expenses?
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Another consideration is healthcare insurance. Pre-Medicare health insurance can be expensive.
Through the Internal Revenue Service 72T program (Substantial Periodic Payments) you can withdrawal from retirement accounts and avoid the 10% penalty. There are several restrictions, however, with this approach.
If you need help with your retirement plan, reach out to Asset Management Resources at (866) 771-8901 if we can help. We offer a complimentary consultation.
Recorded August 17, 2023.
Life insurance is especially important to have during your primary working years if someone (children, spouse, other) is dependent upon your income. If not one depends on your income, you may not need life insurance.
It is important to know what kind of insurance you have and what it covers. In the event of severe weather, you may need additional insurance to cover extreme heat, floods, wind, fire, etc. In the case of life insurance, do you have whole life, universal, or a variation of universal life insurance?
Are you familiar with the terms of your insurance policy? Some life insurance policies become void if premiums have not been kept up or there is an outstanding cash balance on the policy.
Chris and Jeff recommend that you put life insurance into context of your financial plan.
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
Recorded August 10, 2023.
Scott and Jeff, Investment Advisor Representatives at Asset Management Resources, LLC, are both CDFAs (Certified Divorce Financial Analyst). In this episode, they share things to consider if you think you might be heading for divorce.
First, is to get organized. Make sure you have knowledge of all of your joint and single financial assets. Make copies of three months of bank statements, investment statements, and tax returns. If there are financial records that don’t add up (e.g., high income spouse now not able to work, etc.), consider hiring a forensic accountant to do some research. Alimony and child support are not taxable or tax deductible, so consider that when developing a plan.
The biggest financial items affecting one’s quality-of-life following divorce are court-ordered QDRO’s (Qualified Domestic Relations Order), which indicate how 401(k)s and pensions will be divided. Housing is also a big financial consideration when divorcing.
If you are thinking about a divorce, Scott and Jeff encourage you to work with a divorce financial planner to develop a financial plan and a qualified divorce lawyer to develop a legal plan.
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
Recorded August 10, 2023.
Should you be concerned about last week’s CPI numbers, which implied an uptick for inflation? Brian explains that it was expected and that the market yields responded favorably after the reading. 90% of the increase was caused from a shelter number. It is expected that the shelter is going to come down in the next few months as the lag data comes in.
Brian, Chris, and Jeff, also discuss if it Is wise to leverage your debt? This is the subject of Brian Regan’s article “Using Debt Intelligently”, which was recently published on The Street|Retirement Daily. Brian’s argument is that in some cases the math makes sense to leverage the debt. If you can borrow at a low interest rate and invest at a higher rate, you earn the spread. This is the case when someone takes a mortgage out on their house and invests their money at a higher rate, rather than paying the mortgage off.
One big caveat in leveraging debt is to make sure that you have the discipline to keep accessible cashflow to pay the debt down/off. Also, even if the math works it can give some people greater comfort knowing they are debt free.
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
Recorded August 10, 2023.
Saving for college is investing in the future. You will have to pay for a future liability (e.g., college) – whether that be saving for it today or paying off a loan tomorrow.
Families have different values when it comes to paying for a college education. In some families the parents pay and in others the parents believe that the children should work and pay for it. Parents who try to do good and borrow to pay for children’s college expenses need to ensure that they have cashflow to handle that debt or their financial plan may not work.
What do you do if your financial plan doesn’t work? If you are in or near retirement, there are small things that you can do that may make a difference. These things include cutting spending, going back to work, starting retirement later, helping others less, etc., or a combination of things. Just get started towards making positive progress right away.
Every person/family should have: 1) A cash flow statement or budget to make sure your money is going where you want it to go, and 2) A balance sheet or net worth statement to see how much money/assets you have in aggregate.
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
Recorded August 10, 2023.
Frank Frederickson joins Jeff Perry for a special Something More with Chris Boyd Cape Cod episode.
Frank recently retired after 43 years with the Yarmouth Police Department, 12 as the Police Chief. Chief Frederickson showed his exceptional ability to lead in 2018, when Officer Sean Gannon was murdered and his canine was injured.
Frank has taken on a new role as Director of Governmental Affairs for the Massachusetts Fraternal Order of Police. He talks with Jeff about some of the challenges that police face, what he plans to focus on, and how he is getting started. That includes setting priorities and working collaboratively on common goals.
Recorded August 3, 2023.
Brian Regan, CFA, Chief Investment Officer at Asset Management Resources, LLC, explains that stocks are ownership in a business. Fundamental analysis is analyzing the fundamentals of the business, applying valuation to that business, and comparing that valuation to the price currently being held in market.
Everyone knows you should buy low and sell high. It’s hard to know what is low and what is high if don’t know what a company's’ value is worth. Value is what you get and price is what you pay, so you want to make sure you pay less than the value of the business.
Brian encourages people not to make emotional investment decisions or play the market, and to use the resources of a certified financial planner fiduciary for your investment portfolio.
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
Recorded August 3, 2023.
Jeff Tomaneng and Jeff Perry discuss Jeff Perry’s latest blog. “Take Control Over Your Financial Goals” focuses on how to take control of your life and purposely plan what to do with your money through setting SMART Goals. SMART goals are Specific, Measurable, Attainable, Realistic & Relevant, and Time-Based.
Read Jeff’s and other AMR Perspectives blogs at https://amrfinancial.com/resource/perspectives/
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
Recorded August 3, 2023.
Do you ask yourself “When my financial advisor provides me with a long-term projection for my financial plan, how often should I review the projections?” This episode’s “Ask the Advisor” question is answered by AMR’s Lead Financial Planner Scott Birmingham.
Many factors go into making a financial plan, including income, expenses, comfort with the market, goals (retirement date, helping grandkids, travel, etc.).
Scott encourages you to make a financial plan with goals so you will be putting your money towards the things in life that matter to you. Some of the top reasons that people don’t meet their financial goals in retirement are:
- Spending too much
- Not taking inflation into account
- Not considering taxes
- Not saving for capital expenses (e.g., new car, etc.)
- Not planning for unexpected health issues
Scott develops financial plans for hundreds of individuals each year. The Monte Carlo software that he uses runs thousands of simulations on a portfolio to determine their probability of success. He suggests that you review your plan with your advisor annually or more often if significant changes occur.
If you need help with your financial plan, contact us at (866) 771-8901. To learn more about Asset Management Resources, visit AMRfinancial.com.
People may leave their financial advisor if they feel that goals are mismatched, there are excess or unexpected fees, and if communication and/or follow-up is poor.
Make sure your advisor is a fiduciary, keeps your money at an insured 3rd party custodian, and is transparent about fees.
Asset Management Resources (AMR) uses our Active Allocation approach to recognize what’s happening in market and adjust based on a client’s risk profile.
During the first half of the year, AMR set up the investment portfolio to protect clients against inflation, while another part was setup for recovery. During inflation we took less interest rate risk on the bond portfolio, less beta in the equity portfolio, and were underweight in equity as a defensive stance. We kept some assets that could rally in the face of falling inflation and maintained some intermediate duration bonds. AMR went overweight in companies that we thought were getting punished too much (e.g., recognizable mega-cap names), that recovered nicely.
We have seen the big rally from mega-cap growth stocks in the first half of this year. The reality is that there are other stocks that can benefit from falling inflation and that haven’t’ caught up –some small cap and high dividend yielding stocks.
Where some people might be more excited about stock market today than last October – that is the opposite way to think. We are more interested in stocks that can move in the future – those who are valued on cashflow, growth, and consistency.
If you’d like to view the latest “Economic & Market Update” webinar, where we cover Q2 performance and what we see for the future, visit https://amrfinancial.com/resource/webinars/ or our You Tube channel @somethingmorewithchrisboyd4246.
You may also be interested in reading the latest “Investment Insights” newsletter, where Brian Regan, CFA, AMR’s Chief Investment Officer reviews financial news that he thought was based on false narratives, such as the exaggerated mania over inflation. AMR’s newsletters can be found at https://amrfinancial.com/media/eresources-review/.
AMR’s next financial planning webinar “Are You Ready for the Retirement Red Zone?” will be held on September 20, 2023 @ 10 a.m., ET via Zoom. Register here - https://us02web.zoom.us/webinar/register/WN_TJi6Jo0uQmq2b-IBSn4K1w#/registration
Recorded July 27, 2023.
Chris talks with Jeffrey Kleintop, CFA, Chief Global Investment Strategist & Managing Director with Charles Schwab about the state of the global economy, inflation, and the possibility of recession.
What are the potential opportunities and risks with international exposure? Opportunities include recovery from recession and risks include geo-political concerns and weather. When it comes to investing, geo-political risks are not necessarily higher today than in the past. Extreme weather could cause some disruptions at a time when the global economy is already vulnerable. Weather disruptions most significantly impact food production and transportation of goods.
What does a global recession mean for investors? Only manufacturing and trade currently seem to be in a global recession. Services (education, travel, financial, etc.) are doing ok; however, there is concern that this sector may be weaking in the 2nd half of the year and lead to layoffs.
On the good side, a slowing economic picture means that prices have come down. The CPI inflation is coming down rapidly and it will probably be the last Federal Reserve & European Central Bank rate hikes we are going to see this cycle.
In the U.S. we seem to be in a rolling recession. In 2020, we experienced a service recession; now manufacturing and consumer spending is weakening, and the service sectors are strong. When these two pieces are put together, we end up with a mild overall recession in the U.S. We are however reminded that domestic investors are not exempt from geo-political (debt ceiling issue) and weather-related (heat) concerns.
Japan is the best performing global market this year, closing on a new high in 30 years. Are we entering a period of foreign markets outpacing US markets?
Recorded July 27, 2023.
What's Our Current Economic Condition?
Brian Regan, CFA® joins Chris Boyd, CFP® and Jeff Perry, JD to talk about the current condition of the economy. The Federal Reserve raised rates by a quarter point this week. Was necessary or do prior rate hikes need time to filter through the economy?
The CPI (Consumer Price Index) inflation measurement rate is down to 3% and seems to likely to continue to fall.
Recession is less of a risk now then before, so the question is when and how will it come?
Three attributes of economic growth:
Growth and Labor – People are coming into the labor market and new jobs are being created. The Fed says they would like to see some weakening in the job market.
Growth and Capital – Banks are tightening credit due to the regional banking problem. Rates are 550 bps higher than they were a year and 3 months ago.
Growth and Productivity - Companies in 2022 focused on cutting costs, so the economy is banking on an increase in productivity in 2023.
We have been in a low growth economy for a while now. From GDP growth of 7-9% in 2021, to 2nd quarter 2023 supposed to be at a reasonable growth at of 1-1/2-2%. With labor tight and credit contracting, we could be one step away from a recession if we experience some significant event or blow up in a sector. Recession is not guaranteed, but we shouldn’t be complacent.
There is still an issue with the profitability of regional banks. Banks borrowed short with deposit growth and lent at higher rates, then deposit growth transferred to higher earning assets. Regional banks are not as diversified as the larger banks – they don’t have investment banking or asset management fee-generating businesses.
With tighter credit some may be turning to home equity and credit cards. Consumer debt recently reached a record high level. Credit default has not been a problem, but there is a possibility of risk if the economy slows down.
Next week is peak week– where over 50% of S&P 500 companies have reported earnings. Thus far, earnings have been good.
No doubt, we have had slowdown in the economy, but the economy is not contracting either.
Recorded July 27, 2023.
So, you finally won the lottery. Avoid the common pitfalls of sudden wealth and take these steps to protect yourself:
- Secure your ticket – take a copy and place in a safety deposit box
- Hire good counsel – a financial advisor, CPA, and an estate lawyer
- Set up a trust
- Hire media representation
- Don't give it all away to charity or friends/family
- Have a plan figured out before you start spending
Recorded July 20,2023
Medicare is a complex program and can sometimes be confusing. Susan Flanagan of Blue Cross Blue Shield of Massachusetts joins Chris and Jeff to break it down. If you are planning for retirement, you will definitely want to listen in. Susan answers these questions and more:
What are the different parts of Medicare?
Who is eligible for it?
Do I need supplemental insurance?
What if I’m still working at 65?
What if I quit working before 65?
Chris Fitzgerald, General Manager of the Falmouth Commodores joined Something More with Chris Boyd to talk about the Cape Cod Baseball League and the Commodores.
The Cape Cod Baseball League (CCBL) is comprised of 10 teams. They play 44 games per season (June and July) and the top 4 in each division go to the playoffs. 1 in 6 MLB players played in the Cape Cod Baseball League.
Each team recruits 30 NCAA players from around the country. It’s a moving target with some players coming late due to college playoffs, some getting selected to play in Team USA, some getting drafted in the MLB. This year 26 Commodores players were drafted.
The Commodores organization is supported by coaches, interns, a Board of Directors, volunteers, host families, and sponsors. Games are free and the organization is entirely run on donations from fans and sponsors. Plus, the team participates in community events and every home game recognizes a different community organization.
This is the Cape Cod Baseball Leagues and the Falmouth Commodores 100-year anniversary since they were officially formed in 1923.
Jeff and Jeff review a BankRate.com survey (April 2023) about money and stress.
52% said money has a negative impact on their health and causes stress. 82% of the 52% say it’s economic factors (e.g., inflation, interest rates, etc.) that are causing their stress.
Middle generations are more stressed about money. Jeff Tomaneng attributes this to middle generations being homeowners and starting families.
Their advice for couples who are stressed about money is to:
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Construct a balance sheet and statement of cash flows
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If saving for high ticket expenses (e.g., college, etc.), cut down on expenses like dining out, etc.
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Seek out the help of a financial planner.
Jeff and Jeff discuss some of the top mistakes people make when planning for retirement from a MarketWatch article. They are:
Not planning for long-term care expenses. They suggest that this should be considered as part of a comprehensive financial plan that is developed well before the need arises.
Not accounting for Inflation over one’s lifetime. Inflation is bound to happen. They suggest to determine the future cost of what a new car or other major expenses will cost.
Being too cautious. If you are in or near retirement and are too risk adverse, you may not be able to earn enough income to keep up with inflation
Not being prepared for surprises. Health issues may occur as we get older, there may be the need for a roof, etc. Cash flow needs to be available to cover these unexpected expenses
Jeff hosts for Chris. He reviews some key financial indicators that recently came out:
Consumer Price Index rate of inflation was less than anticipated
Producer Price Index for June only Rose 110th of 1%.
The unemployment rate is 3.6% in the United States, that means 66 million people who are looking for a job in the United States were not able to find a job. The labor participation rate is 62.6% and that's numbers holding steady. So basically we are seeing strong numbers for the employment front, with low levels of unemployment.
Jeff and Cathi talk about her most recent blog “When I’m 64 – or 66-1/2 – 80”. People can retire from their current job at any age. That doesn’t mean that can’t continue to work another job, a volunteer position, or wherever their passion may take them.
Chris and Jeff discuss a CNBC article, "Don’t be Fooled by Common Money Myths Financial Gurus Make".
1) Financial ‘advice’ always has your best interests at heart A fiduciary advisor has a legal duty to put your economic and financial interests ahead of their own. How one is compensated may flavor their interest.
2) You must pay for frequent credit report access “The Fair Credit Reporting Act gives us the right to one free credit report every 12 months from AnnualCreditReport.com.
3) Paying off your mortgage early isn’t worth it If your mortgage interest rate exceeds your likely return in the market, it generally makes sense to pay off the mortgage faster and visa-versa. But a mortgage paydown is akin to a guaranteed return.
4) You don’t need emergency savings These accounts shouldn’t be considered as part of a long-term savings plan for college tuition, a new car or a vacation. Instead, this fund is a safety net to be tapped only during emergencies.
5) You must monitor the stock market daily Focusing on daily market swings can contribute to making moves you’ll later regret, like selling at an inopportune time.
6) Money can make you happiest Studies have linked money with happiness. But it’s what people do with that money that ultimately makes them happiest.
Doug MacDonald, President & CEO of Murray & MacDonald Insurance Services joins to discuss things you don’t typically think about with property and casualty insurance.
Doug suggests that your watercraft policy give you replacement cost coverage for partial damage. You should encourage everyone on your boat to wear a life vest and have an umbrella policy as an additional layer of liability. Your homeowner’s policy extends to physical damage as well (e.g., your golf ball accidentally hits someone’s head and creates a lot of damage).
Hurricane season runs June through November, and with that comes floods and erosion. Erosion is not typically covered in your homeowner’s policy, nor is a mudslide or sinkhole. Homeowner policies will give you a sinkhole rider. In Florida, where they are common, they mandated that homeowner policies must cover sinkhole coverage.
Earthquake coverage is also not covered on a standard homeowner’s policy. There are about 5,000 earthquakes felt each year in the U.S., so there’s going to be exposure. New England is an earthquake prone zone area. The Federal Emergency Management Act (FEMA) will often come in and offer home owner loans on more favorable terms to provide those affected a place to live and dry clothes, but they’re not going to rebuild.
There are three deductibles that you'll see with a wind storm – windstorm, storm, and hurricane. There are also named storm deductibles that go into effect if your home is damaged in a storm that's been named by the National Weather Service or National Hurricane Center.
There have been 9 catastrophic events in the last three years, each one of those over $10 billion in claims. This is causing the reinsurance marketplace to raise rates, so a lot of people are seeing that homeowner prices are going up due to the cost of repairs.
Chris and Jeff talk about books and podcasts – and the Something More with Chris Boyd podcast now available on YouTube!
They discuss the latest IRS scam where unclaimed tax notices are being mailed on what appears to be IRS letterhead. People are asked to fill out their Social Security number, etc. and provide a copy their driver’s license.
Unfortunately, there are so many nefarious individuals out there trying to take advantage of trusting people. If you receive anything that does not appear to be legitimate, don’t respond immediately. In this case, get the actual number to the IRS and call them to verify the legitimacy of the letter.
Chris, Brian, and Jeff talk about biased and fear-based investing. Many make investment decisions based on factors such as politics or where a certain stock sector is going and time the market wrong. When people get nervous, they often sell low vs. using it as a buying opportunity. They encourage people to do their research, be in for the market for the long-term, and not act on impulse.
Brian’s back. He talks with Chris and Jeff about improving financial indicators, which indicates that the economy is starting to normalize. Where has the 18-month promise of a recession been?
Brian discusses other false narratives, such as the housing suffering, and if he thinks the banking crisis is over? The Fed put a floor on the immediate crisis and the largest US banks did well on their recent stress tests.
They also talk about the employment picture and the “graying of America”.
Chris and Jeff chat about the July 4th holiday weekend. They answer an “Ask the Advisor” question “Should I convert my 401(s) to an IRA or ROTH IRA? Last but not least, they discuss a CNBC article about what money matters cause strife in a marriage.
Chris & Jeff discuss the 12 retirement mistakes to avoid from a "US News & World Report" article. Some of the mistakes are not getting an early start in saving for retirement, agreeing to support adult children, overlooking contribution opportunities, etc. Listen in as they provide tips on how to manage these potential retirement planning setbacks.
In this episode, Chris talks with Ric Edelman, investor, author, and founder of Edelman Financial Engines about digital assets and blockchain. Ric also started a Digital Asset Council of Financial Professionals (DACFP), which provides courses and a certification on crypto.
Their conversation includes the difference between cryptocurrency and crypto assets. Ric feels that crypto should be considered part of a diversified portfolio, but not more than 1%. Ric cautions against financial advisors offering clients an account to buy Bitcoin, but suggests a better way is to buy securities that invest in the crypto space.
At 50 minutes, Chris and Jeff Perry continue the crypto convo. They question how crypto assets are valued, how to identify those “bad” actors (e.g., FTX, etc.), and that retirees may not have time to recover from downward fluctuations of crypto. For now, until more regulation is in place, their advice is to invest in what you know.
Attorney F. Keats Boyd, III, President at the Law Offices of Boyd & Boyd, P.C., joins Chris. Keats reviews basic estate planning documents and when they are applicable. It’s never to early to have a Healthcare Proxy, Power of Attorney, Will, Revocable Trust, and HIPPA Authorization in place to ensure your desires are carried out if you become incapable of doing so.
Chris and Jeff talk about the benefit of having life insurance at different stages of one’s life. Life insurance can serve as a temporary tool to give one time to create the wealth that has not yet been created.
How much life insurance you need should ideally be determined in the context of your financial plan. Most people purchase life insurance to pay off debt and create an income stream to support their family members after their death.
There are different types of life insurance. It is important to determine your need, review the cost and terms of the policy, etc., before purchasing life insurance. Life insurance policies are underwritten by health and financial capacity based on statistical data – since you likely pay a higher rate if you have existing health conditions, it can make sense to get life insurance while healthy.
Chris & Jeff talk about the market. This week the Federal Reserve paused on interest rate hikes for May and the market is reacting favorably. The Core Inflation Rate is still at 5+, so it is unclear if rates will be hiked in future months.
Chris discusses a Morningstar article “5 Charts on the Super Concentrated Stock Market”. For the first five months of 2023, 10 stocks accounted for 97% of the totals gain from the Morningstar US Large-Mid Index.
Chris has a great conversation with Robert Powell, award-winning journalist about retirement planning. They talk about bucket lists (once you reach 65 you have on average 8,000 days left on this earth), cashflow (using guaranteed income for essential expenses), retirement risks (inflation, divorce, policy change, etc. - plan ahead for those that you can), and elder planning.
Listen in for considerations regarding planning for a secure retirement, and follow Robert Powell on Finstream.TV and at Retirement Daily.net.
May was Asian American and Pacific Islander Heritage Month and we celebrate Jeff Tomaneng, CFP®. Jeff is a first generation Filipino American and was recently recognized as a nationwide leader in the article “Amplifying 8 Asian-American Voices in Financial Planning”. Jeff is a wealth manager at AMR and a co-host of the FPA Wicked Pissah Podcast, produced by the Financial Planning Association of New England to provide thought leadership for financial advisors.
Chris and Jeff talk about what to do and not do in market down turns. In any market, make sure that your risk profile fits your temperament. They also discuss the debt ceiling and Republican Presidential candidates.
Recorded May 27, 2023
Scott Birmingham shares a survey (How well do people perceive their readiness for retirement?) by The Center for Retirement Research at Boston College. Roughly 20% of people interviewed are in bad shape for a secure financial retirement and know it, 40% are in good shape and know it, and 40% are not aware of how they are doing.
Chris and Jeff, talk about the SEC injunction against Binance (cryptocurrency). The SEC claims that $2.2BN of investor’s funds are at significant risk due to the company co-mingling them with that of the founders' investments.
Kristen Mitchell-Hughes, Vice President of Tourism, from Cape Cod Chamber of Commerce joins Chris and Jeff. She shares what special events are planned for this summer season and the challenges the hospitality industry faces. Visit CapeCodChamber.org for a list of events.
Mark Skala, President & CEO, Cape & Islands United Way talks with Chris and Jeff about the important mission that they provide to help with education, health, financial stability, and affordable housing on the Cape. Their 25th annual Best Night Gala will be held on June 23rd from 6-10pm and honor 25 people critical in the early days.
(Recorded June 1, 2023)
Is Social Security going to be around when you need it? Chris and Jeff talk about a CNBC Social Security poll that shows bi-partisan support for reducing benefits for high earners, raising the amount of Social Security benefits, raising the retirement age, and increasing payroll tax.
They discuss a Schwab article about when to take Social Security and how much you can withdraw annually from your portfolio for cashflow needs. People are often uncomfortable about taking withdrawals after they have saved so long for retirement.
The general rule has been if you are in a 50/50 type portfolio and withdraw 4% annually with an adjustment for inflation, that you have a high probability of not running out of money over 30 years of retirement. There is more pressure on the 4% rule when stocks are not performing at their long-term average or when inflation is high, etc. A good practice is to have a separate bucket for liquidity to withdraw from if the market is not favorable at the time cash is needed. It is important to have a financial plan to know if you are on a path that is sustainable or if you have room to take higher cash withdrawals.
MA State Rep. Steven Xiharos shares his experience being a Gold Star Father of his son Nicholas and what Memorial Day means to him. Michelle DeSilva, Cape Cod Cares for the Troops, discusses their annual Troops in the Spotlight event.
The AMR team talks about the #market – how is it doing, biases people may have– political or fear, and bank credit tightening. They also review a couple of lessons learned – portfolio allocation and quick money.
#financialplanning #investments #stocks
Guest David Walker, US Comptroller General of the United States from 1998-2008 and advocate for federal fiscal responsibility, talks with Chris and Jeff Perry about the dangers if the deficit is left untreated. Recorded on May 18, 2023.
Chris and Jeff discuss the debt ceiling and the politics around it. They also cover Social Security Reform and the Windfall Elimination Provision (WEP). With graduation season underway, they discuss the job situation and the importance of financial literacy for new grads.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by Jean Chatzky. Jean is an award-winning journalist, podcast host, radio show co-host, and CEO and founder of the HerMoney Podcast. She joins us to discuss the unique financial challenges women face in the workplace and in life.
Chris and Jeff get into personal finance, discuss financial planning matters, and bring up the importance of budgeting while introducing AMR's Something More Mentoring complimentary personal finance program.
Host and CEO Chris Boyd, CFP®, and Jeff Perry, JD, are joined by Chris's mother, Ina Boyd, to share stories and express appreciation for all mothers out there. AMR team members express their gratitude and share lessons from their moms.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, get into financial planning considerations while discussing AMR's upcoming complimentary Social Security and Medicare seminar on June 6th, which will provide insight for plans and strategies that can increase your understanding of social security and Medicare.
As different people view debt differently, the team brings up types of debt, good debt vs bad debt, when to borrow vs when to use cash, and how to leverage debt to build wealth.
Brian shares insight on what a Realistic Rate of Return is, different methods of measuring a good rate of return, and how the Realistic Rate of Return fits into a financial plan.
They get into institutional investing and wealth management as it relates to banks, pension funds, endowments, insurance companies, and these institutional investors should manage money.
We are joined by Nicole Spencer, Executive Director of Heroes in Transition (HIT), to discuss HIT's 8th annual Ruck race. The 200+ mile race runs through all 15 towns on Cape Cod, is roughly 36 hours in duration, and raises funds for HIT’s continuing effort to never leave a fallen hero behind.
Visit https://heroesintransition.org/ for more information.
Something More with Chris Boyd celebrates its 16-year anniversary. Chris reflects on the start of the show and his firm.
Chris and Jeff discuss the Federal Reserve’s recent decision of another Fed funds rate hike, their goals of slowing the economy and how it has affected markets. They talk about moments of difficulty and challenge with recent bank failures and ask about the value of these banks.
Chris and Jeff get into a political discussion around US debt ceiling concerns, considerations, hopes, and more.
Host and IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, take the hour to discuss financial matters. They start by giving an economic and market update by commenting on GDP numbers, how the stock market is priced, the role earnings and interest rates has on stocks, employment rates, the Federal Reserve’s actions, and consumer sentiment.
Brian then reviews corporate earnings and shares his impressions on specific “mega cap” stocks. He discusses the differences between these “mega cap” companies and what he finds important when valuing a stock. Jeff and Brian go down the path of AI technology and how the rise in AI will affect some of these businesses.
Later, Jeff asks Brian about his recent article “Investors Beware! Celebrities and Companies Can Mislead You” published on TheStreet, covering ways investors can be mislead by celebrity endorsements.
Host and IAR Jeff Perry, JD, is joined by AMR’s Lead Financial Planner and Chief Compliance Officer, Scott Birmingham, CFP®. They discuss what it costs to retire comfortably by considering how standard of living and cost of living impact a financial plan.
We are joined by Sandwich Town Clerk Taylor White to discuss the importance of local elections, how each vote is more potent than in national elections, and the impact of mail-in voting on voter turnouts.
Marketing Director Cathi Ingersoll joins to give AMR updates. They promote AMR’s upcoming Social Security and Medicare Seminar that will be held in Hyannis, Cape Cod on June 6th. They explain what will be discussed and how it can benefit those near or in retirement.
CEO Chris Boyd, CFP®, and social security expert and Founder of Mantell Retirement Consulting, Marcia Mantell, continue their discussion on social security, Medicare, and retirement matters, giving insight to callers with personal inquiries.
CEO Chris Boyd, CFP®, is joined by social security expert and Founder of Mantell Retirement Consulting, Marcia Mantell. They discuss all things social security and medicare on this first hour of the program, where they take a number of on-air callers to answer questions about their retirement concerns specific to social security, medicare, and more.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by retired congressman and Texas State Representative, Lamar Smith of the 21st district of Texas. He discusses his work in congress, how he dealt with political oppositions, his endeavor for bipartisanship and civility between Democrats and Republicans, and how to find common ground. They get into why we are seeing fewer people in the middle of the political aisle and how to get passed an Us vs Them mentality. Smith shares his opinions on the most concerning geopolitical issues we are facing today and his thoughts on possible 2024 presidential nominees.
Chris and Jeff cover some financial news, bringing up inflation and its effects on consumer spending and financial stress in America.
Chris and Jeff open with an outline of the show and promote our upcoming live show on Saturday, April 22 with Marcia Mantell, who is a social security expert and owner of Mantell Retirement Consulting.
We are then joined by Senior Vice President of The Federal Savings Bank, Bob Tranchell. Bob is a reverse mortgage expert and explains to us the benefits of using a reverse mortgage, factors that determine the amount of money to lend, differences in various home mortgages, and differences between his firm and others. The group discusses scenarios and instances where a depletion of resources to home owners who lose spouses affects their living and how and when a reverse mortgage can be beneficial.
IAR Jeff Perry, JD, and Wealth Advisor Jeff Tomaneng, CFP®, go over a Financial Literacy Month article on ways to get smarter and be more successful with your money. They discuss the importance of accountability in keeping track of your goals and financial planning.
CIO Brian Regan, CFA®, joins to give commentary on Q1 market returns. Brian shares his disconcertment on fraudulent and misleading information. Jeff asks Brian about money supply, how it’s created, the implications of today’s money supply on growth, and the effect credit has on market conditions. Brian then educates us on what roll returns are, short term expectations of fed funds rate, and long-term investment sentiments.
We are joined by Pastor Ben Feldott of Cape Cod Church to discuss the meaning of Easter and how it’s the story that defines people of the Christian faith. He talks about the stories of Jesus, the ambiguous origin of the word “Easter,” and the celebration of the resurrection. Pastor Ben shares with us what his Church gets into during Easter, how he and his family celebrate, the importance of giving people a snapshot into the life of the church through social media, and more.
AMR Wealth Advisor Jeff Tomaneng, CFP®, joins to discuss what Financial Literacy Month means and the importance of setting SMART goals understanding your “Why” when setting goals.
We are joined by Annie Hart Cool, real estate agent from Sotheby's International Realty, and Savannah Fabbio, VP regional manager at Shamrock Home Loans. We discuss current real estate conditions on Cape Cod and important factors to consider when hiring a real estate agent. Later, we get into the fluctuation of mortgage rates, how it affects confidence in the market, and how credit and debt can drive people to make uninformed decisions.
Will we have a crash? We discuss some of the differences between today’s real estate market environment compared to the 2008 market.
CEO Chris Boyd, CFP®, CIO Brian Regan, CFA®, and IAR Jeff Perry, JD, give financial planning advice based on an example geared toward to the middle aged couples with kids. What are the things a person in that demographic and situation should consider and take advantage of to make sure their finances are in right order? Chris and Jeff share their insights on the matter. Brian talks about the importance allocating your money to investments that grow on returns larger than a savings account.
They talk about the recent death of Gordon Moore, who was the co-founder of Intel and proposer of Moore’s Law which makes the observation that the number of transistors in an integrated circuit doubles about every two years. They talk about what his work has done for today’s day and age and does a change in microchip dynamics mean for American economies and more?
Brian gives his view of the economy and states a case for a strong economic environment.
Host Chris Boyd, CFP®, and Marketing Director Cathi Ingersoll discuss climate change and its potential impacts, along with getting into risk management when it comes to finding your financial advisor.
CIO Brian Regan, CFA®, gives an FOMC meeting update and talks about what it means for future interest rates, inflation, and recession concerns. The team discusses credit lending measures, the importance of credit, future anxieties of the banking system, and the logistics behind a failed bank/investment advisory firm.
With a global population size of 8 billion people, what are our current challenges and what will we contend with at current population rates? We are joined by Ken Gronbach, a demographer, futurist, and CEO/founder of KGC Direct, LLC, to discuss how demographics affect economies at large and the implications for America and other global nations. Ken shares perspective on the changing dynamics within generational shifts that will affect immigration, labor, real estate, manufacturing, and more.
His book: Upside: Profiting from the Profound Demographic Shifts Ahead
Website: https://kgcdirect.com/
As tax season is upon us, Chris shares input on tax strategies and rules of thumb related to tax returns and IRA/401k contributions. Within certain tax brackets various benefiting strategies can be implemented in a tax plan.
CEO Chris Boyd, CFP®, and CIO Brian Regan, CFA®, talk about what happened with the recent bank failures, the logistics behind Federal Reserve and FDIC actions, lessons investors should take, and the market’s response to all of this. They discuss how these events will affect CPI and Federal Reserve expectations at the March FOMC meeting with regard to interest rates and combatting inflation moving forward.
Chris and Jeff continue their conversation on Medicare reforms that are being proposed by the Biden Administration. They discuss how Medicare is struggling in keeping up the ability to pay out premiums coming out of payroll taxes, what the government is doing about it, and how it will affect today's demographic currently using Medicare.
Evaluating financial advisors is challenging, especially when there aren't easy numbers you can use to measure their performance. So what should you be looking at? Chris and Jeff cover some key questions you should consider asking your advisor.
We are joined by past guest Kevin Doyle to discuss the meaning behind Massachusetts heraldry. He explains to us the significance, controversy due to the lack of understanding, and the symbolic references behind the Massachusetts coat of arms.
Hosts Chris Boyd, CFP®, and Jeff Perry, JD, are joined by AMR CIO Brian Regan, CFA®, to discuss recent market movements in relation to Fed Chairman Jerome Powell’s comments to congress. We’ll discuss what his comments reveal about current/future fund rates and what it means for inflation and the economy ahead.
Social Security and Medicare reform can be considered a politically dangerous discussion. Chris and Jeff talk about the reality of minimized social security benefits, Medicare reform proposed by the Biden administration, and the importance of political decision making for both.
Chris and Jeff are joined by Tracy Ferrie, Boston (band) bassist and asssitant minister at Grace Church of East Dennis on Cape Cod. Tracy tells us about his journey picking up the bass and how he became a musician for several bands. He shares personal life experiences that led him to Cape Cod, ministry work, and much more.
Chris and Jeff discuss recent lessons learned from a client example and get into overweight legacy positions in single companies or industries and tax topics.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, review AMR’s Financial Planning webinar on the SECURE Act 2.0 and give updates on Something More as Chris takes back the host seat for the week.
Chris and Jeff talk about 529s and Roth plans - some of their recent changes, tax implications, and strategies for use.
CIO Brian Regan, CFA®, joins to discuss the economic future and answers a popular question - Will there be a recession? The team brings up relevant economic factors to consider when answering this big question.
Host Jeff Perry, JD, is joined by Chief Investment Officer Brian Regan, CFA®, to talk about geopolitical tensions with China and the Ukraine/Russia war and how it plays into effect on markets. Brian shares his macro perspective and explains how a prolonged war can change his investment thesis for 2023. Jeff and Brian discuss how to get comfortable with being a long-term investor.
Brian defines and educates us on common investment ratios, shares his opinions on what worth they have to the individual investor, and gives a few reasons why relying solely on P/E ratio can be misleading.
AMR’s Lead Financial Planner Scott Birmingham, CFP®, joins to discuss the importance of a couples money day, things to consider when preparing for retirement, inflation effects on spending, forming a proper estate plan, and more.
Host and IAR Jeff Perry, JD, is joined by AMR’s Marketing Director Cathi Ingersoll to present AMR’s upcoming Financial Planning webinar “SECURE Act 2.0 - 5 Most Important Takeaways.” AMR’s team of advisors will provide important takeaways for how this Act affects retirement savings and more.
Jeff is joined by AMR Wealth Advisor Jeff Tomaneng, CFP®, to discuss the most common problem in relationships related to money. Tomaneng talks about money values and the value of good financial communication within couples. The Jeffs then get into the benefits of having joint accounts with your spouse, but a reluctance for shared purchases and accounts for unmarried couples.
On this hour of Something More, AMR team members join for financial lessons that can be taken from Seinfeld (show). They discuss a variety of Seinfeld scenes and episodes that revolve around the characters’ occupations, side hustles, money habits, and more. Whether being frugal or trying to Keep up with the Joneses, they never failed to entertain us with their creative entrepreneurial drive – and teach us a few things along the way. Team AMR considers their takeaways and relates them to modern day.
Host and IAR Jeff Perry and CIO Brian Regan, CFA®, cover financial news and give detail to January's CPI report. They focus on things that stuck out, their lagging effects, and their implications on Federal Reserve and the economy. After, Brian covers sentiments from his recent article "Investing and Lessons Learned from Gamblers" and discusses money supply and ways to value stocks.
Jeff is joined by VP of Cyber Risk and Strategy at Thrive, David Sampson. David shares with us his work for Thrive and describes types of cyber security risks to be aware of. He gets into what ransomware attacks are, look like, and how they can be avoided with the right protection. Visit www.Thrivenextgen.com for more information.
Chris and Jeff discuss the importance of saving to create appropriate financial lifestyles. Sentiments they share is spending less than you make and setting goals for long-term savings.
Recent employment data reveals an increase in job reports. How will this affect Federal Reserve decisions? Is the economy stronger than we think? Are these pressure points for a recession? What will effects on markets look like? AMR’s CIO Brian Regan, CFA®, joins the show to talk about it.
What are the use cases and societal implications of OpenAI’s ChatGPT, an artificial intelligence language model? What companies are involved with advanced AI technology and how will it affect current industries? Chris and Jeff shift gears and get into it.
CEO Chris Boyd and IAR Jeff Perry start on the discussion of costs of living and average US income. They discuss differences in income and costs of living today compared to a previous time period.
Chris and Jeff continue on to challenges people face if they are not in the top 10% of earners in America and how planning your cashflow by taking risks is encouraged due to America’s unique economic culture. They then cover the importance of budgeting, setting goals and being intentional with finances.
CEO Chris Boyd is joined by brother Keats Boyd, who is an estate planning attorney on Cape Cod and president of Boyd & Boyd, P.C. Keats shares with us tools and techniques people can use for tax strategies if they make over a million dollars a year. They discuss estate planning contract considerations for second marriages, irrevocable trusts, and more.
Host and AMR CEO Chris Boyd, CFP®, is joined by his brother F Keats Boyd III, President of estate planning law firm Boyd & Boyd, P.C. Chris and Keats discuss synergies of financial planning and estate planning in the context of tax strategies. They go over estate planning considerations, the Massachusetts millionaire tax, and what this might mean for those with wealth and for those who aspire to build wealth in this nation. They also discuss the domestic and global implications of the most recent Fed rate hike, the current economic environment and how it might apply to your portfolio management.
Chris and Jeff are joined by AMR’s Chief Investment Officer Brian Regan, CFA®, to discuss where the Fed will go next with anticipated fed funds rate hikes. Brian gives an outlook on market expectations while considering the effects of fed funds rate by the end of 2023. They get into discussion on supply chain and gold investments.
Chris and Jeff discuss whether and when it makes sense to self-fund your long-term care planning and being intentional about your decisions. These decisions have many complexities that can be better assessed through prudent financial planning. Chris then shares AMR's complimentary portfolio review offer and explains the benefits that come with it. They later get into consumer debt concerns and how to manage debt.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, talk about the recent GDP report for Q4, employment numbers, consumer spending, and housing data to then give an outlook on what it means for the economy and recession anticipations. They consider the Fed trying to slow the economy and ask, in an event of a recession, how stocks will be affected by these considerations.
Marketing Director Cathi Ingersoll and Lead Financial Planner Scott Birmingham, CFP®, join the show to talk about the Bernie Madoff's Ponzi scheme: what a Ponzi scheme is, how Madoff ran his business, and how he pulled off the largest Ponzi scheme in history. This leads the team to discuss ethical business practice: what current investors should watch out for and how doing your own due diligence can go a long way.
Chris, Jeff, and Brian get into an animated political and economic discussion about the US debt ceiling. They explain what the debt ceiling is and the economic impact if the US defaulted on their debt.
Chris and Jeff talk about how to prepare for a long retirement through prudent financial planning. They discuss financial planning considerations for a long life and share thoughts on how to make a plan to ensure people have enough to live out their days. Later talking about risk preference and five biggest risks people face in retirement.
CIO Brian Regan, CFA®, gives a recap on AMR's Quarterly Economic & Market Update webinar - reviewing 2022 market performances and 2023 portfolio design. Brian talks about the four stages of the pandemic and how a normalization phase can come to fruition in 2023.
Given tough market environments in 2022, the AMR Team looks ahead and discusses opportunity in stocks, bonds and cyclical investments. Brian gives his thoughts on a possible recession and how it will affect investments. Did we already hit the bottom of the market? The Team shares financial planning perspectives during a looming recession.
Chris and Jeff get into market effects due to inflation and rising interest rates, specifically looking at bonds and the valuation of stocks. How much do the rise in interest rates change our perspective on traditional portfolio designs? They discuss things to consider when bond investing, dividend reinvesting, and income investing in the context of building a diversified portfolio.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, cover news on inflation and discuss Consumer Price Index (CPI) trends and what it means for the Federal Reserve in their decisions on raising future interest rates. They get into recession expectations and what it means for markets and jobs.
Chris and Jeff discuss a big lottery jackpot and share things that are more likely to happen to you than hit the jackpot. This leads them to discuss having a financial plan and to take advantage of AMR's complimentary portfolio review.
2022 being a tough and unusual investing year, it questions traditional portfolio design. Chris and Jeff ask whether the traditional 60/40 portfolio is broken.
The team gets into why it’s worth having a financial advisor, mentioning the benefits of having a professional on your side to characterize aspects of your financial plan you might not think about. How active are financial planners in tending to your portfolio goals in times of economic and geopolitical changes? Chris and Jeff talk about techniques financial planners take to help mitigate risks with the continued goal of maintaining returns, diversification and strong investment allocation.
CIO Brian Regan, CFA®, joins to discuss implications of China policies, Russia/Ukraine war, the US dollar, and more on international investments and opportunities. Will we see de-globalization in a world with high geopolitical tensions? Brian shares his thoughts on the matter.
Brian looks at what we know for certain versus what is speculation on changing geopolitical dynamics and how that contributes to the exposure and types of international equities.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and Marketing Director Cathi Ingersoll kick-off the first show of 2023 discussing the importance and logistics of new beginnings, setting goals, and planning for the future.
Chris shares information on AMR’s complimentary portfolio review offer, which can be a great start to your new year. Whether you have a financial plan already or not, this is a great opportunity to get a non-solicited second opinion on your financial circumstances.
Chris and Jeff discuss the conflict between employment data and the Fed's fight against inflation, along with how employment numbers are potentially affecting the markets.
The Team revisits the Secure Act 2.0, mentioning a graduated RMD adjustment and other significant changes that can benefit people who are in or approaching retirement.
Chris and AMR’s Lead Financial Planner, Scott Birmingham, CFP®, go through the Secure Act 2.0, its nuances on Roth conversions and more, and what it means for people approaching or in retirement age.
We are joined by Cape Cod Times Needy Fund Vice President, Mary Pat Messmer, and Executive Director, Susan Johnson, to talk about their work in the Cape Cod community. They tell us about the growing needs in the community and how their focus on providing payments for housing, utilities, food, medical, transportation and more have benefited Cape Cod. For more information and to make a donation, visit www.NeedyFund.org or call (508) 778-5661.
Scott rejoins for the final segment with Chris to talk about AI tools and the implications of the advancement of artificial intelligence. Shifting gears, they explore a WSJ article on how to protect your money in the new year.
There’s no getting around the fact that 2022 has been a tough year for investors. Chris gets into what tends to happen after a market disruption.
Chris introduces his firm Asset Management Resources’ complimentary portfolio review offer. He gives detail to the two-meeting process that consists of a comprehensive look into your financial circumstances to provide a holistic examination of your financial plan.
CIO Brian Regan, CFA®, joins Chris to discuss the impact of 2022’s market drivers, how they contributed to heavier market volatility, and how that might change in the new year.
Brian discusses potential conditions and changes of inflation and the likelihood of a recession in 2023. He goes on to share what he thinks the logistics of a recession would be like and how this new year’s outlook can affect investors.
We are joined by the President and CEO of The Cape Cod Foundation, Kristin O’Malley, to explain the non-profit’s active role in the Cape Cod community. Being 33 years young, The Cape Cod Foundation is known as a “community foundation,” acting as a charitable community trust for the Cape Cod area. They work with donors, individuals, families, businesses and other non-profits and community groups to establish funds with The Cape Cod Foundation, which are pooled, invested, and distributed back into the community in the form of grants and scholarships. Kristen shares with us how they prioritize community needs and the many initiatives they have going on.
After, we are joined by Rabbi David Grossman of Temple Beth Sholom to discuss his journey on becoming a Rabbi, and the origins of Hanukkah and its significance to the Jewish community today. He goes on to explain what a miracle is, the role God plays in our everyday lives, and the quality of gratefulness in a person.
Shifting gears, Chris and Jeff wrap up the show to remind listeners to take their Required Minimum Distributions before the end of the year and explain the implications of being a beneficiary of another person’s IRA.
Host Chris Boyd, CFP®, and Jeff Perry, JD, are joined by fired-up Brian Regan, CFA®, this hour to talk about the recent rollercoaster week in the market. They start with CPI and explain how its report on Tuesday reflected on the Federal Reserve’s actions on Wednesday and what it all means. Brian explains how an inverted yield curve is a predictor and a cause of recession and shares positive outlook on the odds of a soft landing.
Retail sales report show that consumers are feeling the effects of inflation. The team talks about it as Brian shares how he enjoys performing hands-on research on retail supply. This has the team explain how market movements and economic movements don’t necessarily coincide simultaneously, and how it bakes into the Feds decisions when combatting inflation.
Brian has his Cramer moment as he shares strong feelings toward the cryptocurrency space and comments on FTX and Binance.
Host Chris Boyd, CFP®, and Jeff Perry, JD, discuss challenges that occur when investing in ESG, recent controversy, what diversity means as an investment firm, and the importance of making informed decisions.
CIO Brian Regan, CFA®, explains what a year-end Santa Clause rally is and what it means for markets. The Team discusses the implications of year-end investing patterns and investing frustrations that arise during market down times. They later discuss whether well-known commentators are worth following.
Chris, Jeff, and Brian share what shows they are currently watching and more.
Host Chris Boyd, CFP®, and co-host Jeff Perry, JD, are joined by Marketing Director Cathi Ingersoll to discuss the meaning behind “Something More.” Chris gives reflection to and explains what “Something More” means to him and shares how acting as a fulfillment facilitator, focusing on positive, educational, and personal finance topics, is part of the program.
Chris and Jeff discuss (un)employment rates as implications of the Federal Reserve’s actions and what we could see ahead. Bad news for unemployment, but good news for the economy, show a continued increase in unemployment claims – a sign that the Fed is effectively slowing down the economy. They later get into ESG considerations and recent issues that have arisen in this investing space that is growing popularity.
Host Jeff Perry, JD, is joined by President and CEO of the Cape & Islands United Way, Mark Skala, to speak about charitable giving this time of year, mentioning statistics that illustrate December as the largest donating month of the year. Mark shares the story of the United Way’s mission and the impact they make on the Cape Cod community through their grant programs for small to large projects, which focus on education, health (food security included), financial stability, and affordable housing. They speak on ways to give, volunteerism, and more.
CIO Brian Regan, CFA®, joins to discuss market and financial news related to the implications of the recent comments made by Federal Reserve Chairman Jerome Powell. Jeff and Brian mention recession possibilities, a near-term bottom for the stock market, diversified asset allocation, and real estate. Brian shares his growth in optimism from six months ago and much more.
Marketing Director Cathi Ingersoll joins Jeff to talk about and pay tribute to Christine McVie of Fleetwood Mac.
Host Jeff Perry, JD, is joined by Sheriff Jim Cummings of Barnstable County Sheriff’s Office to discuss his time and career in law enforcement, from entering the Framingham State Police Academy in 1974 to becoming Sheriff in 1999. He shares investigation stories from his rookie career and his journey on how he got to where he is today. They speak on Barnstable County’s drug, alcohol, and mental health rehabilitation efforts and its effects on recidivism rates in the area.
After, AMR's Wealth Advisor Jeff Tomaneng, CFP®, joins the show to talk about holiday shopping, planning, and budgeting.
Host Jeff Perry, JD, is joined by Adam Burnett, Executive Director of Champ Homes, to speak about the organization and how Champ Homes acts as a support system for those with housing instability. Adam mentions recent trends of Champ Home stayers are in direct correlation with the recent “housing crisis.” With the goal of instilling self-advocacy, Champ Homes works with people motivated to turn their lives around. They measure their success rate by the number of people who move on from Champ Homes.
Jeff is joined by CIO Brian Regan, CFA®, to talk about Brian’s recent article New World Order or Continued Global Economy? published on TheStreet.com. They get into a geopolitical discussion, and then cover financial market news as Brian shares his opposition to the cryptocurrency market.
IAR Jeff Perry, JD, and AMR’s marketing team Cathi Ingersoll and Armen Avakian open with a show outline and talk about holiday budgets and consumer debt.
Chuck Nardozza, Managing Director of Travel Sales at AAA, talks about 2023 travel trends, mentions demand levels as people become more eager to visit family/friends during a post-pandemic, and shares the benefits of using AAA.
Jeff and Armen discuss AMR as a toy drop-off location for Toys for Tots and an AMR social media marketing campaign of asking advisors of a great piece of financial advice.
Chris, Jeff, and Co-host Dan Wolf, founder and chairman of Cape Air, are joined by CIO Brian Regan, CFA®, to discuss cryptocurrency, real estate, and equity market conditions.
Brian enlightens us on economic theory that drives currency on a discussion of the US dollar.
Brian shares where he would take the economy if he was chairman of the Federal Reserve.
Chris and Jeff shift gears to talk about the holiday season and share AMR’s involvement in the community, acting as a toy drop-off location for Toys for Tots.
Co-hosting our show is Founder and Board Chairman of Cape Air, Dan Wolf, along with Chris and Jeff, as they talk about Dan’s venture starting Cape Air. They discuss entrepreneurship, the difficulty to break into markets given increased barriers to entry and the involvement of political regulation.
Dan expresses his interest in electric airplanes and sustainable aviation. The team gets into the evolution of climate change sentiments.
The team mentions recent political news to have a political discussion.
We are joined by Karen Rinaldo and Kevin Doyle, authors of In the Wake of the Mayflower, to discuss the historic event of the first Thanksgiving. Karen shares and talks about her unique painting that accurately depicts the encounter of 90 Wampanoags and 53 Mayflower-surviving pilgrims, “The First Thanksgiving – 1621.” She shares how she got involved in creating this piece, the steps she took in constructing the image, and where her painting is today. Karen and Kevin talk about their journey in what led them to self-publish their book. They speak on spiritual value in the native population, sacrifice, and having a philosophy to better understand people.
In the Wake of the Mayflower (book): https://www.plimoth.com/products/in-the-wake-of-the-mayflower
Chris and Jeff shift to talk about election results and sentiments relating to where we might be headed as a nation.
IAR Jeff Perry, JD, and CIO, Brian Regan, CFA®, give financial news on the downward trending CPI report. Brian discusses his focus on CPI cost considerations of shelter, durable goods, and medical services, and explains how these costs are measured month-over-month and year-over-year. They take into consideration and discuss the implications of the lag time between data points.
Brian shares his thoughts on energy while looking at crude oil prices.
They talk about inflation, the Federal Reserve’s actions based on real-time and backwards looking data.
Brian and Jeff share their thoughts on issues in cryptocurrency markets, commenting on FTX, Bitcoin, and more.
As Veterans Day approaches, we are happy to be joined by the Cape and Islands Veterans Outreach Center’s Treasurer, Bill Blaisdell, and Outreach & Programs Manager, Barbara-Anne Foley. They join us to discuss the services they offer to Veterans on Cape Cod through expanding programs like their food pantry, housing services, counseling and case management services, and transportation services for Veterans and their families.
Barbara and Bill express their openness in accepting and ease of qualifications in helping US Veterans from all over in any way they can through their services mentioned. They talk about the importance of supporting Veterans through their partnerships and services. They promote their Veterans Day program, sponsored jointly with the town of Barnstable, will be held on the second floor of the Barnstable Townhall at 10:30 AM on Veterans Day preceded at 9:30 by a memorial service on the green just outside of town hall. The general public is encouraged to attend both events. There is no fee to attend and refreshments will be available.
Visit CapeVeterans.com or call (508) 778-1590 for more information.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by Cape Cod journalist and former news director Matt Pitta to speak on all things in the upcoming Massachusetts election. They discuss running candidates in many of the areas of service, their points of views and many of the possible outcomes from this year’s election. They later get into ballot questions and the implications of a “yes” vote and a “no” vote.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, talk about Q3 GDP trends, inflation, earning reports, and more. As GDP trends lower, what does this mean for the future of our economy? Brian comments on inflation data mentioning the state of spending in durable goods and services.
How likely is a recession and when will that occur? Brian shares an investors sentiment based on the S&P 500 being forward looking and earnings being backward looking.
Brian shares bull and bear cases for specific stocks.
Chris and Jeff discuss scenarios of lost 401k’s and collections of investments. They get into what can be done and realities with retirement accounts in these scenarios.
Chris and Jeff cover 7 things not to do when you retire in regard to retirement spending, social security, spending investment capital, debt, inheritance, healthcare, and planning.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, talk about Q3 GDP trends, inflation, earning reports, and more. As GDP trends lower, what does this mean for the future of our economy? Brian comments on inflation data mentioning the state of spending in durable goods and services.
How likely is a recession and when will that occur? Brian shares an investors sentiment based on the S&P 500 being forward looking and earnings being backward looking.
Brian shares bull and bear cases for specific stocks.
Chris and Jeff discuss scenarios of lost 401k’s and collections of investments. They get into what can be done and realities with retirement accounts in these scenarios.
Chris and Jeff cover 7 things not to do when you retire in regard to retirement spending, social security, spending investment capital, debt, inheritance, healthcare, and planning.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, get into discussion of Long-term care planning and how to incorporate long-term care considerations in your financial plan.
Joining Chris and Jeff is Bob Vandy, President of Advisor Insurance Brokers, to discuss how to manage and deal with long-term care risks.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, get into discussion of Long-term care planning and how to incorporate long-term care considerations in your financial plan.
Joining Chris and Jeff is Bob Vandy, President of Advisor Insurance Brokers, to discuss how to manage and deal with long-term care risks.
Joining us is Tim O’Connell, Founder and President of Tommy’s Place, which is a non-profit that acts as a vacation home for kids fighting cancer. Tim shares his story how of what led him on this journey and how he made his dream to help families fighting cancer a reality. Named after the Founder of the Falmouth Road Race Tommy Leonard, Tommy’s Place strives for a Walt Disney type experience and is a place for families to relax, make memories, and have fun. Their significant impact on the greater community is expanding with a new home in Centerville, MA. https://tommysplace.org/
Chris and Jeff are joined by Matthew Lee, Esq., Partner at Tocci & Lee, LLC, to discuss the implications of legal and illegal immigrants in America and how they tie into America’s labor market. They cover how to keep America’s economic engine sustaining amid many facing challenges. Matt talks about his work as an immigration attorney that help companies in the Centerville, MA area hire available legal workers. https://toccilee.com/
Joining us is Tim O’Connell, Founder and President of Tommy’s Place, which is a non-profit that acts as a vacation home for kids fighting cancer. Tim shares his story how of what led him on this journey and how he made his dream to help families fighting cancer a reality. Named after the Founder of the Falmouth Road Race Tommy Leonard, Tommy’s Place strives for a Walt Disney type experience and is a place for families to relax, make memories, and have fun. Their significant impact on the greater community is expanding with a new home in Centerville, MA. https://tommysplace.org/
Chris and Jeff are joined by Matthew Lee, Esq., Partner at Tocci & Lee, LLC, to discuss the implications of legal and illegal immigrants in America and how they tie into America’s labor market. They cover how to keep America’s economic engine sustaining amid many facing challenges. Matt talks about his work as an immigration attorney that help companies in the Centerville, MA area hire available legal workers. https://toccilee.com/
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, get into a client inquiry that makes a case for investments in gold stemming from fear in current market conditions. Chris advises against making decisions based on fear and cautions listeners on guarantees with an annuity example.
Jeff gives a market update on employment rates and brings up the Federal Reserve’s plans on their plan to cut inflation. They discuss the implications of stimulus keeping markets afloat during the height of covid and what that means today. They stress time in the market over timing the market.
They bring up better news from the IRS on tax bracket adjustments but shift gears into international matters on UK’s Prime Minister resignation, European economy, energy consumption, and more.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, get into a client inquiry that makes a case for investments in gold stemming from fear in current market conditions. Chris advises against making decisions based on fear and cautions listeners on guarantees with an annuity example.
Jeff gives a market update on employment rates and brings up the Federal Reserve’s plans on their plan to cut inflation. They discuss the implications of stimulus keeping markets afloat during the height of covid and what that means today. They stress time in the market over timing the market.
They bring up better news from the IRS on tax bracket adjustments but shift gears into international matters on UK’s Prime Minister resignation, European economy, energy consumption, and more.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by Barbara Cotton, Executive Director of the American Red Cross, to discuss the local chapter’s involvement in the community and greater areas around the world. She explains and gets into their contributions in helping the Cape Cod community and broader areas of the world that are affected by natural disasters and the Ukraine War. Visit www.redcrossblood.org for more details.
We are joined by the Heroes In Transition (HIT) Annual Fall Gala committee Nicole Spencer, Sarah Daley, and Kristen Boyd. They talk about the organization, share the implications of being a private non-profit, their equine therapy program, and share information about the 13th Annual Fall Gala. The Fall Gala will take place on November 12th, 2022 at The Coonamessett Inn in Falmouth, MA, with the theme being “We Are Family.” Visit https://heroesintransition.org/fall-gala/ for more information.
Chris and Jeff discuss the upcoming Massachusetts election ballot questions, get into the implications of possible outcomes, and throw some of their opinions in the mix.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by Barbara Cotton, Executive Director of the American Red Cross, to discuss the local chapter’s involvement in the community and greater areas around the world. She explains and gets into their contributions in helping the Cape Cod community and broader areas of the world that are affected by natural disasters and the Ukraine War. Visit www.redcrossblood.org for more details.
We are joined by the Heroes In Transition (HIT) Annual Fall Gala committee Nicole Spencer, Sarah Daley, and Kristen Boyd. They talk about the organization, share the implications of being a private non-profit, their equine therapy program, and share information about the 13th Annual Fall Gala. The Fall Gala will take place on November 12th, 2022 at The Coonamessett Inn in Falmouth, MA, with the theme being “We Are Family.” Visit https://heroesintransition.org/fall-gala/ for more information.
Chris and Jeff discuss the upcoming Massachusetts election ballot questions, get into the implications of possible outcomes, and throw some of their opinions in the mix.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, dig into the release of recent CPI data for September. Brian shares good and bad news, and focuses on the medical services and shelter measurements of CPI, its effects, and how the Federal Reserve can respond.
What can we do as investors? Brian talks about some correlations between NASDAQ and treasury markets. The Team gets into the big inflation picture. Brian stresses the effects of medical care and rent measurements and urges everyone to watch and listen to AMR’s Q4 Economic & Market Outlook webinar (on www.AMRfinancial.com).
Chris and Jeff lighten the mood and discuss the announcement of social security benefits getting their biggest boost since 1981. They talk about what that means for the average person and further implications. Later they share some data on what millennial debt looks like.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, dig into the release of recent CPI data for September. Brian shares good and bad news, and focuses on the medical services and shelter measurements of CPI, its effects, and how the Federal Reserve can respond.
What can we do as investors? Brian talks about some correlations between NASDAQ and treasury markets. The Team gets into the big inflation picture. Brian stresses the effects of medical care and rent measurements and urges everyone to watch and listen to AMR’s Q4 Economic & Market Outlook webinar (on www.AMRfinancial.com).
Chris and Jeff lighten the mood and discuss the announcement of social security benefits getting their biggest boost since 1981. They talk about what that means for the average person and further implications. Later they share some data on what millennial debt looks like.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by Douglas MacDonald, President & CEO of Murray & MacDonald Insurance Services, Inc., to discuss insurance implications of hurricanes. They talk about the circumstances of Florida’s Hurricane Ian, which Doug shares insight on from an insurance standpoint.
How does one address insurance issues? What factors should people consider when thinking about purchasing different types of insurance? Doug shares answers to these questions and sheds light on some challenges insurance can save you from. He gets into insurance deductibles and explains certain differences between varying types of insurance and more.
Chris and Jeff are later joined by CIO Brian Regan, CFA®, to discuss National Financial Planning Month. They share stories and reveal the reality of the importance of good habits and intentionality in financial planning.
CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by Douglas MacDonald, President & CEO of Murray & MacDonald Insurance Services, Inc., to discuss insurance implications of hurricanes. They talk about the circumstances of Florida’s Hurricane Ian, which Doug shares insight on from an insurance standpoint.
How does one address insurance issues? What factors should people consider when thinking about purchasing different types of insurance? Doug shares answers to these questions and sheds light on some challenges insurance can save you from. He gets into insurance deductibles and explains certain differences between varying types of insurance and more.
Chris and Jeff are later joined by CIO Brian Regan, CFA®, to discuss National Financial Planning Month. They share stories and reveal the reality of the importance of good habits and intentionality in financial planning.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, talk about Chris’s trip to Portugal and segue into European economic challenges and how they affect the US economy. In the context of a tough winter, Brian mentions the difference between natural gas, oil, and petroleum, and talks about US trade partnership and inflation.
Brian speaks on volatility and mentions treasury and stock selloffs in a “liquidity event.” They put perspective behind portfolio management, mentioning long-term investors buying on sale.
The Team gets into the national debt and talks about the potential ramifications of a high national debt. When is the tipping point? They discuss the issue of lenders confidence. Brian uncovers some misconceptions of US debt and expresses necessary times when countries should run a deficit.
CEO Chris Boyd, CFP®, IAR Jeff Perry, JD, and CIO Brian Regan, CFA®, talk about Chris’s trip to Portugal and segue into European economic challenges and how they affect the US economy. In the context of a tough winter, Brian mentions the difference between natural gas, oil, and petroleum, and talks about US trade partnership and inflation.
Brian speaks on volatility and mentions treasury and stock selloffs in a “liquidity event.” They put perspective behind portfolio management, mentioning long-term investors buying on sale.
The Team gets into the national debt and talks about the potential ramifications of a high national debt. When is the tipping point? They discuss the issue of lenders confidence. Brian uncovers some misconceptions of US debt and expresses necessary times when countries should run a deficit.
Host and IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, open this hour talking about criticism given by Economist and Professor of Finance at the Wharton School of the University of Pennsylvania, Jeremy Siegel, on the Federal Reserve and its attempt to bring down inflation. Brian shares similar sentiment with the professor of Fed tightening timelines and gives insight on home mortgages and its effect on the average person.
Brian discusses expectations on fed fund rates in 2023 and reveals how much fed fund rates affect yield curves. He takes a macro view of what the Fed is doing today and what they might do in a year from now.
Taylor White, Sandwich Town Clerk, joins Jeff to discuss upcoming elections, ballot questions, voter identity, early voting, and more, sharing the goals and challenges of his role and election officials.
Host and IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, open this hour talking about criticism given by Economist and Professor of Finance at the Wharton School of the University of Pennsylvania, Jeremy Siegel, on the Federal Reserve and its attempt to bring down inflation. Brian shares similar sentiment with the professor of Fed tightening timelines and gives insight on home mortgages and its effect on the average person.
Brian discusses expectations on fed fund rates in 2023 and reveals how much fed fund rates affect yield curves. He takes a macro view of what the Fed is doing today and what they might do in a year from now.
Taylor White, Sandwich Town Clerk, joins Jeff to discuss upcoming elections, ballot questions, voter identity, early voting, and more, sharing the goals and challenges of his role and election officials.
Host and IAR, Jeff Perry, JD, is joined by AMR's marketing team to talk about customer service week with examples of good customer service and how it's rewarded. They shift to explain an upcoming marketing campaign that entails asking AMR advisors to give their best financial tip, discussing the inception and execution of the series.
Wealth Advisor, Jeff Tomaneng, CFP®, joins and teases his best piece of financial advice - what he would tell his younger self. They bring up the college planning process from past week's show and stress the importance of college fit.
Jeff and Jeff shift gears to talk about logistics of financial planning and explain the ways they work with their clients. They emphasize what clients can do to elevate the level of service a fiduciary financial planner can give. They discuss values revolving around money and state the importance of budgeting during an inflationary economic period.
Host and IAR, Jeff Perry, JD, is joined by AMR's marketing team to talk about customer service week with examples of good customer service and how it's rewarded. They shift to explain an upcoming marketing campaign that entails asking AMR advisors to give their best financial tip, discussing the inception and execution of the series.
Wealth Advisor, Jeff Tomaneng, CFP®, joins and teases his best piece of financial advice - what he would tell his younger self. They bring up the college planning process from past week's show and stress the importance of college fit.
Jeff and Jeff shift gears to talk about logistics of financial planning and explain the ways they work with their clients. They emphasize what clients can do to elevate the level of service a fiduciary financial planner can give. They discuss values revolving around money and state the importance of budgeting during an inflationary economic period.
CEO, Chris Boyd, CFP®, and Marketing Director, Cathi Ingersoll, discuss AMR’s most recent quarterly newsletter: Resources Review, which promotes AMR’s most recent and upcoming events from campaigns and webinars to AMR's involvement in the community.
They discuss making sure to take RMD’s and talk about the importance of IRA contributions.
They bring up the recent Massachusetts tax rebate and discuss voting on whether there should be a differentiation of income taxes for Massachusetts residents.
Chris talks about how to reevaluate risk tolerance, how inflation and the Fed funds increase has impacted retirement accounts, and looks at it through a long-term lens.
CEO, Chris Boyd, CFP®, and CIO, Brian Regan, CFA®, cover things discussed in the 9/21 Fed meeting. Brian shares with us that even as the Fed fund rate increase of .75% was the highlight, he thinks there were more important factors to consider. He brings up significant points on further rate hike expectations, long and variable lags, housing market softening, impacts on bonds, and more - all to hawkishly combat inflation.
Brian describes what a Barbell approach is in regard to bond investing and mentions where there might be the best risk-reward on the yield curve. He shares how company earnings might respond to inflation levels and gives bull- and bear-case scenarios. On inflation, Brian compares today's inflationary period to the 1970's, differentiating economic variables that are weighted heavier today than the '70's.
Later, Brian gives us a history lesson on where Central Banks came from, how the Federal Reserve was created, and what their role was/is in the economy.
CEO, Chris Boyd, CFP®, and Wealth Advisor, Jeff Tomaneng, CFP®, are joined by Cozy Wittman, Education and Partnership Manager of College Inside Track, to discuss college planning and trends. She shares with us how she helps students prepare for the college investigation and selection process by explaining when students should start their search, important factors to consider, how to be a good fit, and more.
Cozy goes on to explain college admission trends and covers test-optional claims, a post-covid college admission environment, Early Decision considerations, tier level colleges, and more. She then shares College Inside Track's perspective on the latest student loan dismissal and how it relates to conversations with students and their parents.
IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, join for the last segment to talk about different types of bonds, mentioning bank loans and collateralized loan obligations (CLOs).
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, discuss recent economic news and what has been going on in the market. Brian updates us on CPI, inflation and other market indicators that the Federal Reserve considers.
Brian answers some logistical and foundational questions on the developing supply of goods, inflation's timeline back to normalcy, and trends in the economic environment, and more.
The Team brings up the 2- and 10-year yield curves and discusses what they mean with both short-term and long-term exposure, and much more.
CEO, Chris Boyd, CFP®, Marketing Director, Cathi Ingersoll, and Wealth Advisor, Jeff Tomaneng, CFP®, open the hour by appreciating being named Top 3 Financial Planners and Investment Firms by The Best of Cape Cod and being nominated Top 3 Financial Planners by The Best of Upper Cape Cod.
They shift gears to share investment sentiments and expressions that investors tend to hear. Things like, "sell in May and go away," "cash is king," "when the tide goes out, you see who's swimming naked," and more. They discuss these expressions and ask when you should heed them and when you should ignore them.
They progress into discussing a Kiplinger Article, Protect Your Retirement Income from Inflation, covering considerations of how to withstand market volatility, the importance of being thoughtful and intentional, and more.
AMR's CEO, Chris Boyd, CFP®, Lead Financial Planner, Scott Birmingham, CFP®, and CIO, Brian Regan, CFA®, open the show talking about the job market environment and its implications on the Federal Reserve's rate hike outlook. They discuss the change in natural gas flow through Europe's Nord Stream pipeline, what it means for that region, and then mention US petroleum reserve levels and what that means.
The Team shifts gears to discussing the rental housing market, where finding affordable rental housing has been a challenge as they mention the importance of having housing options.
They cover the Buffett Indicator, what it is and how it can be a good indicator of an overvalued or undervalued market environment. Brian cautions us on relying too much on one particular data point.
They discuss whether it’s better to start your retirement investments during a bull market vs bear market.
AMR's Marketing Director, Cathi Ingersoll, joins as Chris answers questions on market drivers/indicators, college planning, and more.
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, open this hour continuing their discussion on a Wall Street Journal article, 20 Ideas for Adjusting Your Stock and Bond Portfolio. The topics covered were strategic asset allocation in volatile markets, dividend-growth stocks, making incremental shifts, investors timeline and more.
Chris and Jeff discuss a client insurance situation, explaining the commonality of expiring insurance and what considerations go into evaluating whether a person needs to renew and more.
Chris and Jeff open the show on Chris’s birthday celebration at a James Taylor concert, one of his favorite restaurants and more.
Jeff shares context of Labor Day: where the holiday came from, why we celebrate it and what it means today.
CIO, Brian Regan, CFA®, joins the show and shares his thoughts on current economic market drivers, focusing on earnings and interest rates.
The Team then continues discussing 20 Ideas to Adjusting your Stock and Bond Portfolio, an article by The Wall Street Journal.
CEO, Chris Boyd, CFP®, and IAR, Jeff Perry, JD, are joined by Certified Student Loan Professional, Belle Osvath, CFP®, CSLP®, to explain the logistics of student loan forgiveness: who it affects, what it means for those who qualify, Pell Grants, and more.
Chris and Jeff give their perspectives on student loan forgiveness, the government’s role and how they see it affect the economy and society.
AMR’s CIO, Brian Regan, CFA®, joins the conversation to discuss 20 Ideas to Adjusting your Stock and Bond Portfolio, an article from The Wall Street Journal.
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, open the hour talking about the market and economy. They discuss short- and long-term outlooks of inflation, bringing up three main inflation forces - monetary policy, fiscal policy, and supply chain issues related to the pandemic. Brian mentions when we feel the effects of the Fed fund rate hikes.
Brian answers questions on meme stocks and explains gamma squeeze, stock options, shortages and more.
IAR, Jeff Perry, JD, is joined by President and CEO of the Cape Cod Canal Region Chamber of Commerce, Marie Oliva. They discuss business conditions on Cape Cod as Marie characterizes prominent industries for the economy. They talk about challenges the Cape faces, recommend existing resources for small businesses and explain the Chamber's role in the community.
Jeff Perry, JD, dives into estate plans, covering what they are, their benefits and the downfalls of not having one. He emphasizes creating a stable life for your family through estate planning, describing what power of attorneys, healthcare proxies and living wills are.
Host and IAR, Jeff Perry, JD, and Wealth Advisor, Jeff Tomaneng, CFP®, open the show updating listeners on AMR’s upcoming Financial Planning webinar on Wednesday, August 24th. They discuss the Inflation Reduction Act, explaining what it is, how it affects inflation and what it can mean for you.
Soon after, Jeff and Jeff look into financial advice given from America’s Founding Fathers and see how they relate to today’s financial environment, elaborating the importance of budgets and much more.
While feeling the effects of inflation, CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and Wealth Advisor, Jeff Tomaneng, CFP®, uncover ways to keep a flexible budget while still being able to travel and have summer fun.
AMR's Lead Financial Planner, Scott Birmingham, CFP®, joins as the team discusses how to deal with risks and challenges that people face in retirement.
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, connect this first hour on current market landscapes and what certain economic and federal outcomes can mean for investors.
The Team brings up the topic of supply chain disruptions in the semiconductor chip space, and mentions the effects on the chip industry from geopolitical tensions in Taiwan.
The Team gets into legislative discussion on the inflation reduction act. They cover the effects this act has on investors.
This hour, we are joined by Christine Benz, Morningstar's Director of Personal Finance and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances, and Jeffrey Ptak, CFA®, Morningstar's Chief Ratings Officer; both are hosts of The Long View podcast. They share insights about what's happening in the world of personal finance, the valuation of markets, how to evaluate ESG and more.
Podcast: https://www.morningstar.com/podcasts/the-long-view
LinkedIn:
Christine Benz - https://www.linkedin.com/in/christine-benz-b83b523
Jeffrey Ptak - https://www.linkedin.com/in/jeffrey-ptak-cfa-5977978
Twitter:
Christine Benz - @christine_benz
Jeffrey Ptak - @syouth1
Episode recorded on Thursday, August 4th, 2022
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA®, have an economic discussion in this hour.
Brian gives a July market retrospect, discussing market drivers like earning reports, slowing inflation, a long-term interest rate outlook, and more.
Brian shares thought provoking emotional biases and cognitive errors investors can have toward their investments.
Team AMR opens the hour discussing fear-based decision-making in the midst of tough market environments, and how to best alleviate financial stresses.
They cover common mistakes investors make and go over a GOBankingRates article, "8 Purchases Retirees Almost Always Regret." Budgeting and stress-testing your financial plan to minimize mistakes and regrets during retirement grows in discussion.
CEO, Chris Boyd, CFP®, and IAR, Jeff Perry, JD, jump into economic discussion, talking about Q2 GDP, a recession, the Federal Reserve, financial news, and more.
Chris and Jeff are joined by Loan Officer Savannah Fabbio from Shamrock Home Loans, Inc. to discuss the economic and interest rate environment and how they effect home mortgages and the real estate market.
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and Lead Financial Planner, Scott Birmingham, CFP®, talk about the down market and discuss what millionaires typically do when in Bear Market territory.
The Team covers AMR's financial planning process, explaining the attention AMR puts in when forming and stress testing a financial plan. Chris brings up the importance of understanding the client's circumstances. Scott describes what a Monte Carlo simulation is and why it is helpful.
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and Lead Financial Planner, Scott Birmingham, CFP®, talk about the down market and discuss what millionaires typically do when in Bear Market territory.
The Team covers AMR's financial planning process, explaining the attention AMR puts in when forming and stress testing a financial plan. Chris brings up the importance of understanding the client's circumstances. Scott describes what a Monte Carlo simulation is and why it is helpful.
CEO, Chris Boyd, CFP®, IAR, Jeff Perry, JD, and CIO, Brian Regan, CFA, discuss and give context to the causes and reasons for inflation and its effects on the economic environment. Brian covers the difference between Headline and Core inflation and why it matters.
Brian gets into the bond yields, mentioning the implications and logistics of investing in high yield bonds. He shares his outlook on the stock and bond markets, the federal reserve, interest rates, mortgage rates and more.
IAR, Jeff Perry, JD, and Wealth Advisor, Jeff Tomaneng, CFP®, discuss investor psychology, covering client sentiment, consumer confidence, recency bias and behavioral finance. They get into tips on coping with inflation, mentioning to be more mindful on your wants, finding substitutes for activities, finding a side job and more. They also discuss options to consider for your retirement accounts when you change jobs, advising taking control of your money in your plans.
Jeff Perry & Brian Regan discuss inflation (Core vs. Headline) and the PCE price index, which the Federal Reserve prefers for economic analysis. They talk about the USD strength relative to interest rates around the world and the international trade balance. Brian’s latest article “Finding Your Financial Advisor” was recently published on The Street. In this article he emphasizes that a good financial advisor will help you determine your risk preference and invest within in.
IAR and Host, Jeff Perry, JD, and Co-host and CEO, Chris Boyd, CFP®, are joined by AMR's Lead Financial Planner, Scott Birmingham, CFP®, to discuss ways you can prepare for retirement. Scott explains the complexity behind the amount of money you should save for retirement and what variables you should consider.
Wealth Advisor, Jeff Tomaneng, CFP®, joins the conversation about bucket strategies - creating diverse money buckets for your various financial needs and foreseen expenses.
Chris and Jeff get into life insurance, covering how to decide whether a person needs it or not, how much life insurance a person needs, renting vs owning life insurance, types of life insurance, and how to do it in the context of a financial plan.
Investment Advisor Representative and Host, Jeff Perry, JD, and co-host and AMR CEO, Chris Boyd, CFP®, are joined by CIO, Brian Regan, CFA®, as they cover a market outlook. They touch on bear market territory, inflation, the Federal Reserve, changing dynamics and more.
Jeff and Chris are joined by AMR's Lead Financial Planner, Scott Birmingham, CFP®, to discuss all things retirement. How much do you need? How much should you save? What does the average American do?
Chris gives a lesson on making decisions out of fear. Scott discusses the Financial Planning process AMR goes through as they get to know their clients and what facets are important to focus on.
CEO and Host, Chris Boyd, CFP®, and Director of Marketing, Cathi Ingersoll, are joined by Linda Peters, Co-Chair of Fan Relations for the Falmouth Commodores of the Cape Cod Baseball League (CCBL). She discusses the originations of the league, how college athletes get into the CCBL, and how the league is perceived by the MLB.
Chris, Cathi and the team get into Fourth of July festivities on Cape Cod and their favorite summer pastimes. "It's not summer until..."
This July 4th weekend, CEO, Chris Boyd, CFP®, and IAR, Jeff Perry, JD, touch on AMR's involvement in the community and with organizations that benefit the community at large.
Chris and Jeff give a briefing on stock, bond and crypto market conditions, mentioning the oddity that both stocks and bonds are in decline. They shed light on the implications of inflation, the Federal Reserve’s response, Ukraine’s War, and more. Chris gives some tips and acknowledgements for investors in today’s markets and ideas on how to prepare to fight inflation.
Kristen Mitchell Hughes, VP of Tourism Marketing for the Cape Cod Chamber of Commerce, promotes Cape Cod events that are occurring on Cape Cod for the Fourth of July and the summer time.
CapeCodchamber.org
Host and CEO, Chris Boyd, CFP®, is joined by co-host, Annie Hart Cool, Real Estate Professional at Sotheby’s International Realty, and guests Kurt Raber, Owner/Partner of Catalyst Architecture / Interiors Inc., and Paul Tardif, Esq. P.C., Attorney at Tardif Law. They discuss Cape Cod housing matters, such as zoning, "the lost middle", home financing, and changing dynamics.
Annie Hart Cool - https://anniehartcoolteam.com/
Kurt Raber - https://catalystarchitects.com/
Paul Tardif, Esq. P.C. - https://www.tardiflaw.com/
Host and CEO, Chris Boyd, CFP®, is joined by a panel of housing experts to discuss Cape Cod housing issues to opportunities. Joining is CEO of Housing Assistance Corporation (HAC), Alisa Magnotta, Real Estate Professional with Sotheby's International Realty, Annie Hart Cool, and President & CEO of Murray & MacDonald Insurance Services, Douglas MacDonald. Their expertise in the market creates an in-depth discussion between panel members on the logistics of the Cape Cod housing community and market.
Alisa Magnotta - https://haconcapecod.org/
Annie Hart Cool - https://anniehartcoolteam.com/
Douglas MacDonald - https://riskadvice.com/
Chris and Jeff open the second hour talking about market environments, investments, and financial planning, giving their audience food for thought during down markets.
Chris shares clips from a recent interview he hosted with JP Morgan’s Chief Global Strategist, Dr. David Kelly, discussing current economic outlooks and insights for the common investor.
CEO, Chris Boyd, CFP®, and IAR, Jeff Perry, JD, discuss core and headline inflation and how the Federal Reserve is dealing with it, getting into the implications inflation has on various markets (stock, bond, energy, labor, crypto). They further cover how geopolitical conditions attribute to the change of dynamics in the west.
Chris takes two on-air calls and gives his outlook on crypto investments and long-term investing.
IAR and Host, Jeff Perry, JD, is joined by Paul Niedzwiecki, CEO of the Cape Cod Chamber of Commerce, to discuss current economic environments on Cape Cod. They talk about systemic problems on housing and the economy, mentioning labor supply shortages, population shifts, bridges, energy initiatives, and the Blue Economy. Paul explains how the Chamber is working to better such projects and programs, and gives his 2022 summer projects.
Director of Marketing, Cathi Ingersoll, and Lead Financial Planner, Scott Birmingham, CFP®, review AMR's most recent Financial Planning webinar, discussing key points from the team and guest speakers.
Scott answers a client question on whether converting a Roth IRA during a down market is a wise decision.
IAR and Host, Jeff Perry, JD, is joined by CIO, Brian Regan, CFA®, as they discuss stock market conditions. Brian describes a preferred long-term outlook one should have at this moment in time, mentioning behavioral biases that are noticed in difficult market environments.
They discuss the difference between headline and core inflation, mentioning the Federal Reserve and geopolitical tensions abroad.
Director of Marketing, Cathi Ingersoll, and Lead Financial Planner, Scott Birmingham, CFP®, uncover a list of 2022 travel trends while discussing how travel and vacation fit into your financial plan.
Host and CEO, Chris Boyd CFP®, is joined by members of the AMR team to discuss risk tolerance and how it plays a big role on what kind of investor you are. They mention client expectations and how behavioral coaching is a part of their job.
After, Senior Vice President of The Federal Savings Bank, Bob Tranchell, joins the show, covering reverse mortgages. He talks about Home Equity Conversion Mortgages (HECMs), Home Equity Lines of Credit (HELOCs), how to qualify for a reverse mortgage, and how they help people prepare for their future.
The team shifts gears to recognize Business Etiquette Week, sharing best practices when it comes to business communication, presentation, and behavior in the workplace.
CEO, Chris Boyd, CFP®, CIO, Brian Regan, CFA®, and IAR, Jeff Perry, JD, open the show talking about the movie theater business, mentioning Top Gun: Maverick.
The opening crew soon gets into OPEC's increased amount of oil production and the implications this has on inflation and commodity markets. Brian explains what oil production in the United States looks like.
After, Wealth Advisor, Jeff Tomaneng, CFP®, joins the show as the gang gets into what clients should expect from the average financial advisor/planner, mentioning asset classes and risk profiles.
CEO, Chris Boyd, CFP®, opens the show recognizing Memorial Day and AMR's helping hand in the community.
CIO, Brian Regan, CFA®, Marketing Director, Cathi Ingersoll, and Lead Financial Planner, Scott Birmingham, CFP®, join the show to discuss current market outlooks, giving historical comparisons on inflation and further economic factors.
After, Brian and Scott answer a few client mailbag questions on commodity investing, required minimum distribution, and financial goals during high inflation.
After, some of the team then gets a chance to share their favorite summer pastimes and what they have planned for the summer ahead.
Host and CEO, Chris Boyd, CFP®, opens the show recognizing Asian American and Pacific Islander Heritage Month. He then transitions his attention to market conditions with CIO, Brian Regan, CFA®, and IAR, Jeff Perry, JD. They get into mistakes investors make in volatile markets and discuss having a long-term market outlook, buying stocks at a discount, diversification and inflation.
Michelle DeSilva from Cape Cod Cares for the Troops joins the show to talk about their work for American Veterans everywhere. They mention Memorial Day and honor American troops that made the ultimate sacrifice. They discuss the impact the non-profit has on American troops all over the world, and the services they prioritize everyday.
Host and Investment Advisor Representative, Jeff Perry, JD, is first joined by Chief Investment Officer, Brian Regan, CFA®. They discuss market conditions during today's inflation rates, what the federal reserve is doing, what makes stocks attractive and more.
Wealth Advisor, Jeff Tomaneng, CFP®, joins the show covering how to cut back on personal spending during an inflationary environment, detailing cashflows and expenses.
Marketing Director, Cathi Ingersoll, joins to share information on AMR's upcoming Financial Planning webinar (June 8th @ 10am ET), which covers property and casualty insurance, and "Spending your Kids' Inheritance."
Host and Investment Advisor Representative for AMR, Jeff Perry, JD, starts the show mentioning Armed Forces Day, and thanking the men and women of the United States Armed Forces.
Investment Advisor Representative for AMR, Mike Perna, CFP®, joins to continue to share "The Ten Things [He] Learned from 40 Years of Financial Planning." Mike covers the importance of investing into a retirement or savings program earlier than later, difference between good debt and bad debt, not forsaking secondhand, and more.
AMR's Chief Investment Officer, Brian Regan, CFA®, joins and discusses turbulent market conditions, mentions a bear market outlook and covers main reasons for big sell-offs.
This hour, AMR's CEO, Chris Boyd, CFP®, and Investment Advisor Representative, Jeff Perry, JD, give perspective on challenges investors are facing in current equity markets. They mention giving the market time vs timing the market, what a bear market is vs a correction, changing dynamics and more.
After, Investment Advisor Representative, Mike Perna, CFP®, joins the show to discuss his recent write-up, "The Ten Most Important Things I Learned in 40 Years of Financial Planning."
Chris and Jeff close out the show sharing a few clips from past economists that have been on the show.
In this hour, AMR's CEO, Chris Boyd, CFP®, and Investment Advisor Representative, Jeff Perry, JD, discuss last week's 15 year anniversary show and then get into economic, political, and geopolitical topics. They mention inflation and the Federal Reserve's implementation of a tighter monetary policy, rising interest rates, current stock market conditions, and much more, explaining the implications of them all.
On this 15 Year Anniversary show, host, Chris Boyd, CFP®, is joined by AMR's Chief Investment Officer, Brian Regan, CFA®, and Chris's brother, F. Keats Boyd, III, President of Boyd & Boyd, PC.
It's a fun, celebratory show packed with many guest callers and great commentary from the team.
Host and AMR Investment Advisory Representative, Jeff Perry, JD, is joined by AMR's Wealth Advisor, Jeff Tomaneng, CFP®, and CIO, Brian Regan, CFA®, to answer a few client mailbag questions. Brian and Jeff answer questions on topics of inflation, life insurance, long-term care insurance, cryptocurrency, and more.
AMR's Marketing Director, Cathi Ingersoll, joins to close the show to discuss the show's 15-Year Anniversary show airing live on Saturday, May 7th.
Host and AMR Investment Advisory Representative, Jeff Perry, JD, and Marketing Director, Cathi Ingersoll, open the show. Cathi answers a financial literacy question and talks about upcoming AMR updates.
After, Jeff is joined by AMR's Lead Financial Planner, Scott Birmingham, CFP®, and IAR, Mike Perna, CFP®, MBA, to talk about retirement planning within saving and investing. They discuss systematic savings through different avenues, the important decision of retiring, how not to run out of money in retirement, long term care, and much more.
Listen through as Jeff asks AMR's advisors a few financial literacy questions.
AMR CEO, Chris Boyd, CFP®, and the team open the show at a high level, outlining the hour while mentioning 15 years of radio/podcasting. AMR CIO, Brian Regan, CFA®, briefs his recent article on how expensive your politics can be for you. In recognition of National Volunteer Month, Brian and AMR Wealth Advisor, Jeff Tomaneng, CFP®, talk about their volunteer work in their respective communities, and discussing the importance of giving back to the community you’re involved in.
After, more of the team joins the show to talk about the changing dynamics of market conditions. They cover the Secure Act 2.0, discussing the implications of raising the Required Minimum Distribution age.
Later, they get into Home Equity Line of Credits (HELOC), what it is and how it can be beneficial.
AMR's CEO, Chris Boyd, CFP®, and Marketing Director, Cathi Ingersoll, open the show with a few tidbits on volunteerism and outline the agenda of the show.
AMR's CIO, Brian Regan, CFA®, and Wealth Advisor, Jeff Tomaneng, CFP®, get into the changing dynamics of market conditions, starting with the recent drop in Netflix stock price, and further discussing trends in subscription model companies.
They later tackle how 48% of Americans with incomes over $100k are living paycheck to paycheck, and cover the importance of saving and growing your cashflow. They further explain the 4% rule of retirement and discuss appropriate withdrawal rates.
Host and AMR CEO, Chris Boyd, CFP®, is joined by Cape & Islands United Way President and CEO, Mark Skala. They discuss the United Way's involvement in the community with a focus on impact, sustainability, and relevance.
Cape & Islands United Way's roots of volunteerism are led by encouragement and support in their community. Their most important issue to focus on today is housing.
Host and CEO, Chris Boyd, CFP®, and CIO, Brian Regan, CFA®, refreshes listeners on AMR's most recent Economic & Market Outlook webinar, uncovering key drivers of the economy's markets. With bad news highlighting high inflation, gas prices, interest rates, and the war in Ukraine, Brian and Chris shed light on positive news that we can take away from current economic environments.
They discuss how the Federal Reserve is being combative toward such gloomy conditions and what it all can mean for the near future.
Host, Jeff Perry, JD, keeps the show's focus on Financial Literacy Month, starting with talking about credit scores, how they are determined, and what it means for your ability to receive loans.
AMR's Chief Investment Officer, Brian Regan, CFA®, joins the show to talk about what financial literacy means to him and answers a finance question on bonds.
Later, Brian explains what a recession is and what the effects of current economic and geopolitical circumstances mean.
AMR's Marketing Director, Cathi Ingersoll, joins to wrap up the show to discuss AMR's upcoming webinar, the show's 15 year anniversary, and Financial Literacy month.
Investment Advisor Representative, Jeff Perry, JD, hosts the show, opening with AMR's Marketing Director, Cathi Ingersoll, to talk about Financial Literacy Month and their upcoming Quarterly Economic & Market Outlook webinar.
Wealth Advisor, Jeff Tomaneng, CFP®, joins for the later three segments to share his thoughts on the importance of financial literacy in the school system, the benefits of educating the youth on finance, money values, and more. He also answers some financial literacy questions on healthcare costs and average retirement age.
Chris, Jeff and Brian start the hour off talking about a 401k Secure Retirement Bill that is in congress's hands at the moment. They shift the conversation to discuss geopolitical implications of the Ukraine/Russia war, inquiring on the dominance of the U.S. Dollar.
Chris looks forward to the 15 year anniversary of the Something More with Chris Boyd show on May 5th, and talks about the times and the changed environments over the years.
The team discusses the Great Resignation, its implications on the job market, and what to think about if you plan on taking part in it.
Chris is joined by Sullivan & Sullivan Auctioneers, LLC to talk about their Real Estate auction work in the community. The discuss how the auction business works, how they operate, and upcoming events.
AMR's CIO, Brian Regan, CFA®, talks about his attendance on a fixed income panel at the Private Wealth New England Forum, and the discussion around the 10-year Treasury yield, what it looks like given current conditions and where it is going. The team then discusses ways the Federal Reserve combats inflation, economic increase rates, the concept of money supply, and implications of rising interest rates.
AMR's CEO, Chris Boyd, CFP®, is joined by IAR, Jeff Perry, JD, to go over and answer a client question on why their portfolio is looking downward. They cover the Ukraine war, rising interest rates, and other factors that create downward pressure on stock and bond markets. They discuss the benefits of maintaining a diverse portfolio through strategic asset allocation.
AMR's IAR, Mike Perna, CFP®, joins the show to unravel hidden tax traps and mistakes people make when filing their taxes. He also shares tips on how to avoid these tax inconeveniences.
AMR's CEO, Chris Boyd, CFP®, is joined by Jeff Perry, JD, for the hour to discuss AMR's new Something More Mentoring program, which is a monthly educational on personal finance. They further discuss rising interest rates, the role the government plays on U.S. free markets, and current economic conditions given domestic and geopolitical events, and their implications on the world abroad. Later, they lighten the conversation up with a mention of the Oscars.
Jeff is joined by AMR's Chief Investment Officer, Brian Regan, CFA®, to review his market discussions on AMR's most recent Financial Planning webinar. He further shares his thoughts on current market environments in today's economic and geopolitical conditions.
Jeff and AMR's Marketing Director, Cathi Ingersoll, introduce Something More Mentoring (SMM) program: a new program hosted by AMR and mentored by Jeff Perry, JD. If someone you know has personal and financial goals, but doesn't know where to begin in managing their financial obligations, look no further. The SMM program provides a personal finance coach that leads you through a valuable education process.
Nicole Spencer, Executive Director of Heroes in Transition, closes out the show to discuss how they support local veterans and to talk about their annual Ruck race coming up April 29-30.
Host, Jeff Perry, JD, an Investment Advisor Representative for AMR, and Marketing Director, Cathi Ingersoll, open the show mentioning AMR’s most recent financial planning webinar and how to view it. They also discuss the current situation in Ukraine and cover ways we can help Ukrainians.
Jeff is then joined by special guest, Dave Sampson, Vice President at Thrive, to talk about cybersecurity. Whether you’re an individual, a small business or a large one, Jeff and Dave go over the importance of how to stay protected from cyber attacks and best practices people should consider when trying to stay vigilant.
CEO, Chris Boyd, CFP®, is joined by AMR's Lead Financial Planner, Scott Birmingham, CFP®, to discuss things to think about as it relates to investing and planning for retirement during an inflationary period.
After, Chris and Scott are joined by Mike Perna, CFP®, an Investment Advisor Representative at AMR. He discusses things that trigger audits, and shares tips on how to avoid making typical mistakes during tax time.
Later, AMR's Marketing Director, Cathi Ingersoll, joins the team and unpacks client questions that came through the mailbag.
CEO, Chris Boyd, CFP®, and Marketing Director, Cathi Ingersoll, open the show and introduce AMR's upcoming webinar, which is live on Wednesday, March 16 at 10:00AM, ET: Financial Planning in Current Economic Conditions.
Chris is joined by AMR's Chief Investment Officer, Brian Regan, CFA®, and Investment Advisor Representative, Jeff Perry, JD. The team discusses market conditions in the midst of geopolitical conflicts, inflation and interest rates, and how leveraging different investment options can be of benefit.
In this special segment, Host, Chris Boyd, CFP®, is joined by IAR, Scott Birmingham, CFP®, and Kristi Curling, a Mortgage Loan Originator for People's Home Equity. Kristi helps people find the right fit for their mortgage, discovers refinance options, and guides home buyers through the process.
Kristi answers questions on mortgage rates and how they can vary based on credit, trends she sees in the housing market, different types of loans her company offers, and much more.
Kristi's Contact Information:
Website: www.kristicurling.com
Phone: (817) 487-2015
Email: kcurling@peopleshomeequity.com
LinkedIn: https://www.linkedin.com/in/kristi-curling-838243109
CEO, Chris Boyd, CFP®, is joined by returning guest Marie Stevenson to talk about spending your kids inheritance (SKI-ing) by spending it with her adult kids through travel opportunities that further grow family connections.
Chris is then joined by Savannah Fabbio, a Loan Officer at Shamrock Home Loans, to discuss current home demands, current rates, different loan options, refinancing, and more.
Savannah's Contact Information:
Website: SavannahFabbio.ShamrockHomeLoans.com
Phone: (508) 317-8183
Email: savannah.fabbio@shamrockhomeloans.com
LinkedIn: https://www.linkedin.com/in/savannah-fabbio/
AMR's CEO, Chris Boyd, CFP®, and Director of Marketing, Cathi Ingersoll, cover the show's agenda, mentioning Women's History month - when it started and how it grew from there.
AMR's Chief Investment Officer, Brian Regan, CFA®, joins the show to discuss the economic implications of the Ukraine/Russia war, what Russian sanctions mean, how they are affecting Russia's economy in larger ways that we might think and much more.
Chris and Brian discuss the Ukraine/Russia conflict and unpack what it means for your investments.
Chris and the team cover different types of risk investors will take on throughout their investment journey.
Special Guest - Paul Niedzwiecki, CEO of the Cape Cod Chamber of Commerce joins us, detailing some of the Cape's seasonal economic and societal dynamics.
Special Guest - Tina Tuggle, VP of Community Impact for the Tennessee Titans joins us, describing her journey helping NFL players transition into the league, serve their community, and make an impact.
CEO, Chris Boyd, CFP®, and Marketing Director, Cathi Ingersoll, go over the shows agenda and talk about some benefits of freezing your credit.
Special guest Bob Powell, CFP®, joins the show and talks about his involvement in a variety of ventures. Bob is a wealth of financial information, and him and the team get into an assortment of topics ranging from current risks in the market, inflation, asset allocation, cryptocurrency, and more.
Host, Jeff Perry, JD, is joined by AMR’s Investment Advisor Representative and Chief Compliance Officer, Scott Birmingham, CFP®, to cover budgeting and debt in retirement, impacts of inflation on retirement, and the 4% rule for withdrawing retirement assets.
A market update is covered by AMR's Chief Investment Officer, Brian Regan, CFA®. He shares his thoughts on volatility and inflation in the stock market. Later, he defines what Alpha and Beta measurements are.
Host, Jeff Perry, JD, is joined by AMR’s Director of Marketing, Cathi Ingersoll, to talk about staying vigilant against rising internet scams.
Does your advisor do any of these (red flags)? AMR’s Wealth Advisor, Jeff Tomaneng, CFP®, joins the show to talk about mistakes people make when hiring a Financial Advisor.
The Team shares what to look for in a financial planner and the steps you should take when considering an advisor. Valentine's Day spending is discussed, sharing the difference in spending between generations.
After, the team gets into how couples can share their financial accounts and responsibilities and the benefits of doing so. Along with that, AMR talks about four ways to manage personal finances by doing less.
Are you prepared for the unexpected? Chris and AMR team members talk about how to prepare for life's unforeseen events and what you can do to minimize financial downturns for your loved ones.
Later, the team covers the prevalence of financial scams and how well-known celebrities were affected by such events.
Our first segment is a continuation of talking to your kids/youth about money matters, and how to communicate the importance of financial knowledge.
Next, AMR's Chief Investment Officer, Brian Regan, CFA®, MBA, joins to update us on market news, covering changes with inflation, interest rates, and other environmental conditions and how they have affected recent earning reports. Brian talks on specific companies, their performance, and what's new.
How much do geopolitical concerns affect investment decisions? Listen to Brian get into it all.
Host, Jeff Perry, JD, and the AMR Team discuss Tom Brady's retirement and thoughts on the Super Bowl ahead.
After, the team gets into talking to your spouse, parents and kids about money matters that pertain to many of life's circumstances. Communication being a large part of this discussion, the AMR Team answers questions as to when the best time to discuss these matters are.
Team AMR starts out discussing the NFL games that lead into the AFC and NFC Championship games in a Something More segment.
CEO, Chris Boyd, CFP®, CASL®, and IAR's, Jeff Perry, JD, and Mike Perna, CFP®, MBA, spend time discussing tax preparations. They cover knowing when to file taxes on your own vs with a professional, along with how consulting with a financial advisor can help you earn credits you might not know you qualify for.
Later, the AMR Team gives insight on tips for what to look for when selecting a financial advisor. Looking for structures that align with your best interest is a good starting point.
Team AMR discusses market fluctuations, from the most recent Fed meeting to what is going on in Eastern Europe and economic consequences of geopolitical tensions.
Chief Investment Officer, Brian Regan, CFA®, gets into investing in bonds and REITs, what they both mean and what investing in them looks like.
Team AMR steps out of their box and talks about real estate in the Metaverse. The new concept takes the team to mention what investing in digital assets in the Metaverse can mean and if it shows a sustainable future.
This hour, Chris is joined by Wealth Advisor, Jeff Tomaneng, CFP®, and Investment Advisor Representative, Mike Perna, CFP®, MBA, to talk about how how spouses should manage their incomes, discussing lifestyle choices together and the importance of communication.
What does it mean to have life insurance? Why is it important to have the financial resources you need and want for your family? What type of life insurance should you have? It's all discussed here.
Host Chris Boyd, CFP®, CASL®, discusses AMR's Complimentary Portfolio Review limited offer, which is a two meeting process. At first, after gathering portfolio details, your goals and risk profile, AMR performs an analysis. The second meeting consists of suggestions, highlighting hidden risks and identifying areas to improve on.
Chris is joined by AMR's Chief Investment Officer, Brian Regan, CFA®, to review AMR's recent Economic & Market Update webinar. Chris and Brian mention how stocks performed in 2021 with high levels of earnings growth and market performance, along with analyze what the market has to offer in 2022 with a shift in government spending levels and more.
Host, Investor Advisor Representative, Jeff Perry, JD, and Marketing Director, Cathi Ingersoll, talk about the benefits of joining our Economic & Market Update webinar on Wednesday, January 19th at 10AM ET.
We are soon joined by AMR's Chief Investment Officer, Brian Regan, CFA®, who gives us market news, covering challenges the market faces in 2022, corporate insider buying/selling, preferred stock, and more.
AMR's Investor Advisor Representative, Jeff Perry, JD, hosts the show, starting with a show overview, and acknowledging Martin Luther King Jr.'s birthday and playing "Did you know?" with Marketing Director Cathi Ingersoll.
AMR's Wealth Advisor, Jeff Tomaneng, CFP®, joins and discusses feelings on retirement savings, financial goal setting, best ways to track your progress and more, all with the New Year in mind.
AMR is offering a limited time Complimentary Portfolio Review for investors with $500,000 or more, consisting of a detailed analysis of your investments. Our experts will provide you observations and recommendations, including a comparison on how we would invest.
Following, the team discusses 2021 Top News Stories, from Covid's impacts and pulls on economic triggers to emerging markets underperforming compared to other equity markets.
AMR gets into employee conditions in the job market, success and quality of life stories, and decisions employees are making in this new era of employment.
CEO Chris Boyd, CFP®, CASL®, CEPS and Chief Investment Officer Brian Regan, CFA®, look back at a 2021 market performance - showing a great year of market production and how to perceive markets ahead.
AMR is offering a limited time Complimentary Portfolio Review for investors with $500,000 or more, consisting of a detailed analysis of your investments. Our experts will provide you observations and recommendations, including a comparison on how we would invest.
It's a new year and time for new resolutions. The AMR team shares theirs and Nancy Hardaway, President of Listening2Leaders, discusses how to set goals and make them stick. AMR discusses top news events of 2021.
To kick-off the 2022, Chris offers AMR’s Complimentary Portfolio Review (a limited time offer).
The Complimentary Portfolio Review is a two-meeting process. In the first meeting, information about your finances and goals is reviewed. AMR puts together a thoughtful analysis. In the second meeting, we indicate what is working and potential areas for change.
If you recognize any of the following, then you may benefit from a complimentary portfolio review:
- Are you a do it yourselfer? Do you want a second opinion to see if things should be done differently?
- Do you have a robo arrangement, but need/want more attention?
- Are you working with another advisor and need/deserve more attention? If you advisor trying to sell vs. acting as a fiduciary?
- Do you want a second opinion? Are you worried about the markets? Are you not used to handling financial life alone? Are health issues starting to interfere with ability to make sound decisions?
There is a lot to consider when doing it on own. It can be overwhelming knowing what to pay attention to if you are not a financial professional.
To take advantage of AMR’s Complimentary Portfolio Review, reach out AMRfinancial.com, call 866-771-8901, or email radio@AMRfinancial.com.
In this Something More Christmas special, our CEO Chris Boyd, CFP®, and Reverend Jane Herring of the Emmanuel Presbyterian Church sit and talk about the importance of Christmas, its significance, and how the tradition of celebration originated.
Chris Boyd, CFP®, CASL®, CEPS, and Scott Birmingham, CFP®, advise reviewing a year-end financial planning checklist, consisting of maximizing 401k contributions, tax-loss harvesting, maximizing business deductions, IRA contributions, and more.
Budget managing is discussed with our Investment Advisor Representative, Jeff Perry, JD. We get into holiday budgeting, setting new goals that best fit your circumstances and spending habits, strategic planning to pay off debts, and much more, all with the goal to create plans and flexibility for spending in 2022.
Team AMR shares their holiday plans along with reviewing their favorite holiday movies.
AMR's team of experts discuss the latest Fed press conference, covering the tightening of monetary policy, interest rates and inflation, and how these have effected investment markets.
Recent economic trends show corporate buybacks climbing to record highs in one quarter. The team uncovers the benefits of stock buybacks and why investors like them but legislators don't.
Investment Basics Segment: Closed-End Funds. What are they? How do they share commonalities and differences with ETF's and Mutual Funds? Listen to how Team AMR puts it together.
Adam Burnett, Executive Director of Champ Homes, talks about how his organization provides transitional housing for the homeless on Cape Cod, along with help establishing goals and maintaining a sustainable path.
Kristin O'Malley, President and CEO of the Cape Cod Foundation, explains what her organization does as a charitable community trust for Cape Cod's Barnstable county, and how they establish funds.
Barbara Cotton, Executive Director of the American Red Cross, describes how the Red Cross is operating under Covid conditions and how they help the community they serve.
AMR discusses charitable giving and how one can partake in a Charitable Remainder Trust and the benefits of doing so.
A discussion on blockchain technology and cryptocurrencies takes place: what they are, what their rise in popularity means, how to invest in them, and more.
AMR's team of experts touches on the housing market and how factors like interest rates and Covid have effected the housing boom, both for the good and the bad.
Stocks continue to show volatility due to uncertainty over the Omicron variant. Our Chief Investment Officer, Brian Regan, CFA®, discusses what to consider when investing, along with what he pays attention to: micro lenses of future earnings and macro views on future interest rates.
Following segments include the team explaining what iBonds are and how they work, philanthropic giving and much more.
Team AMR reviews inflation rates and how some companies/industries benefit during inflationary periods, and how some do not - consumer staples vs technology. Interest rates bud in to the conversation as AMR's CIO, Brian Regan, CFA®, gets into investing strategies with stocks and bonds.
Following our financial discussion, we remember Phil Saviano, who recently passed but continues to have an impact as he was a vocal advocate for victims of abuse by priests, which led to worldwide attention on the matter.
Team AMR discusses recent stock market volatilities due to the new COVID variant and how it impacts the bond market simultaneously. Year end planning with tax-loss harvesting is mentioned, seeing the tax benefits of taking a loss in the market.
Following, investment basics with Exchange Traded Funds (ETFs). Our team of experts explains what an ETF is, how it differs from mutual funds, and their tax implications associated.
The team gets together for another investment basics segment, digging into the investment vehicle of mutual funds. Chris and the gang discuss different kinds of mutual funds, and the growth and evolution of products.
Furthermore, the team discusses the legitimacies of Washington's Infrastructure Bill and the Build Back Better plan. The talk moves towards Environmental Social Governance (ESG) investing and what to think about for ESG initiatives.
AMR team members Cathi Ingersoll, Director of Marketing, and Mike Perna, CFP®, Investment Advisor Representative, share their career stories and how they joined our firm.
Annalee Kruger, Founder & President of Care Right, Inc., joins us to talk about why planning for the aging process is so critical. This featured segment serves as a prelude to our December 1st Webinar.
This week, AMR's Jeff Perry, JD, and Chief Investment Officer, Brian Regan, CFA®, showcase stock earnings on many levels. They cover individual stocks and how competitive advantages are seen and rewarded during earnings season.
On the other hand, stocks that did not hold their weight in earnings feel the market's wrath.
Jeff Perry, JD, and Scott Birmingham, CFP®, CCO, have a conversation on publicly traded company Zillow. Being recognized as a successful brand, Zillow's attempt to expand their business through iBuying was a surprised flop. Listen to what our experts say about Zillow and current housing markets.
In this short segment, we are joined by Michael Albaugh, Executive Director of the Cape Symphony, where we discuss how the organization is more than just a symphony orchestra, how COVID impacted its concerts, and how restructuring their organization was for the better.
Attorney Keats Boyd, J.D., joins us from Boyd & Boyd, P.C. to discuss estate planning as an estate settlement firm. Keats dives into topics from the best way to search for an estate planning firm to estate planning strategies.
More on how to save money in estate planning situations, wills vs trust funds, and generational giving are discussed in further detail.
AMR discusses ways to give to charity, mentioning Donor Advised Funds and how to look into organizations you wish to donate to.
Investment Basics - Bonds 101. AMR talks about what a bond is, what it means to invest in bonds, and the kinds of risks that are associated.
Annuity investments are discussed, focusing on deferred annuities, surrender costs and embedded costs.
This week, the AMR team discusses America's consumer price index and updated inflation rates, mentioning the lack of durable goods and Q3's Gross Domestic Product.
Following, the team talks about America's new Infrastructure Bill and the impact inflation and the Bill have on investment decision making.
This week, Chris and the team talk about investing basics, covering what a stock is, common vs preferred stock, and Initial Public Offerings (IPO's).
AMR team members, Brian Regan, CFA®, and Jeff Tomaneng, CFP®, talk about how they started in the industry, discuss their certifications, and how they got to where they are today.
AMR has a conversation answering mailbag questions regarding different risk appetites between spouses and the difference between technical and fundamental analysis of stock. Listen to what our experts have to say.
In this short segment, we are joined by Bill Blaisdell, Treasurer, and Joe Taylor, Executive Director, of the Cape & Islands Veterans Outreach Center. We discuss current and upcoming housing project opportunities, Veterans Town Hall meetings, and an upcoming movie.
This week, Chris and Brian Regan, CFA®, discuss job market and inflation updates from the Federal Reserve, along with America's cash glut and investment fallacies.
AMR's team of experts give insight on bad investment habits to break given the implications of politics, taking on too much risk, investing without a financial plan, and more.
In this "Best of Something More with Chris Boyd" replay from October 18, 2021, Chris and Brian Regan review Q3 portfolios, and Q4 market conditions and portfolio designs.
They discuss the influences of COVID-19, inflation and growth, equity allocation, and fixed income allocation on the markets.
In this "Best of Something More with Chris Boyd" podcast replay from October 4, 2021, AMR discusses the article "Men over 45 who identify as having 'excellent investment experience' are more likely to panic sell during a market downturn, MIT study finds."
Brian reviews things to consider going forward, including covid, savings, wage growth, real estate, S&P 500, SPACS, inflation, durable goods, Evergrande, and the debt ceiling.
For National Retirement Security Week, the AMR team discusses retirement planning, giving tips on how to save and plan for your retirement with many factors to consider.
Chris Boyd, CFP®, and Scott Birmingham, CFP®, speak on their CFP® certifications, how they started in the industry and how they became Certified Financial Planners in the first place.
AMR advisors provide their insight on these questions from the client mailbag:
- Will Roth IRA’s be taxed in the future?
- Are there any steps we can take to minimize our taxes in 2021/2022?
- Does it matter when we withdraw from our Required Minimum Distribution?
Chris and Jeff Perry discuss the implications of lower tax rates and higher tax collections from political shifts, and misconceptions about corporate taxes.
Adam Minsky, attorney and student loan expert, joins to discuss student loan forgiveness changes, including who qualified and how to apply under President Biden’s Expansion of Relief.
Chris and Scott Birmingham introduce AMR’s complimentary 401(k) offer, which provides consultation on where to place funds and how to diversify. Call Scott Birmingham at 866-771-8901 to schedule a review.
Chris and the AMR team discuss challenges the holiday season can bring to one’s financial picture, the use of credit compared to cash purchases, and how saving and budget planning can positively impact your holiday spending habits.
Do you own a pet or are you considering adding one to your family? The AMR team discusses the cost of pet ownership beyond initial pet purchase, digging into pet insurance and how budgeting for routine pet expenses can benefit your financial circumstance.
Chris Boyd and Brian Regan review Q3 portfolios, and Q4 market conditions and portfolio designs.
They discuss influences of COVID-19, inflation and growth, equity allocation, and fixed income allocation.
Chris is joined by Cathi Ingersoll and Jeff Perry as they look into the top ways to become a millionaire and the richest people in America.
Chris and the AMR team is joined by Bruce Monrad of Northeast Investor's Trust to discuss portfolio management strategies, the Fed, high-yield bonds, and and many other financial topics.
Chris, Scott, and Jeff discuss a recent Kiplinger survey asking retiree’s (or those near retirement) how the pandemic has had an impact on their finances: What are they more worried about? What impact has the pandemic had on their retirement? What are their financial goals for the next year?
Jeff discusses the upcoming Something More Mentoring Program and seminar “Financial Impacts of Proposed Policy Changes from Washington, D.C.”. Register at 508-771-8900 or email clientservices@AMRfinancial.com.
Did you forget about a 401(k) that you established with a prior employer? It’s best to take care of the 401(k) within a year of leaving the company. Options include rolling the funds over into an IRA (preferred) or to the new employer’s retirement plan.
AMR is offering a complimentary financial review of your 401(k) – with consultation on where to place the funds and how to diverse your investment. Call Scott Birmingham at 866-771-8901 to schedule your complimentary 401(k) review or visit us at https://amrfinancial.com/401k-complimentary-consultation/ to learn more.
Nicole Spencer, Executive Director and Kristen Boyd, Board Member of Heroes in Transition join Chris. Heroes in Transition provides transitional support, home modification assistance, and financial assistance to veterans, military members, and their families.
Kristen Boyd and Sarah Daley are Co-Chairs of the “Stronger Together” 12th Annual Heroes in Transition Fall Gala. The gala will be held on Saturday, November 6th at the Seacrest Resort in Falmouth, MA to raise funds in support of the troops. Tickets may be purchased at heroesintransition.org, which include a buffet dinner, speakers, and a live auction.
AMR discusses the Business Insider article “Men over 45 who identify as having 'excellent investment experience' are more likely to panic sell during a market downturn, MIT study finds.” and risk profiles.
Brian reviews things to consider in the market: Covid, savings, wages, real estate, S&P 500, SPACS, inflation, durable goods, Evergrande, and the debt ceiling.
Jeff Perry discusses the recent events concerning Chinese company Evergrande with Brian Regan.
Jeff Tomaneng and Scott Birmingham join to answer listener questions from the Mailbag.
Jeff Perry hosts this week as we mark the beginning of the Fall season discussing Fall financial tips/moves to make.
Jeff is joined by Cathi Ingersoll, Jeff Tomaneng, and Scott Birmingham to discuss topics such as estate planning and Roth conversions.
Chris and Brian review the scorecard that AMR developed to help those interested in ESG (Environmental Social Governance) investing. It ranks companies based on their cost, performance, and degree to which they have eliminated various “sin” products.
Communication and goal setting is critical for couples when it comes to financial planning as individuals have different beliefs and habits about how to handle money. Prenups are becoming increasingly popular, especially for couples entering a second marriage.
Gifting appreciated stock as a Qualified Charitable Distribution may be better served than selling it, taking the capital gains hit, and then donating it. AMR talks about Qualified Charitable Distributions and Donor Advised Funds.
Chris and Jeff Perry discuss the House Tax Proposal and how it could affect personal finances, they cover – personal income, corporate income, capital gains, estates and gifts, cryptocurrency, and electric vehicle purchases.
They also discuss Social Security. The good news is that the cost-of-living increase (COLA) for Social Security is expected to be 6.2% in 2021. The bad news is if nothing changes to Social Security there could be a significant decrease to benefits in 2034.
Chris and Scott think back to their own experiences witnessing the 911 attacks. Scott fills us in on some recent developments in the Nashville market.
Chris and Brian share financial metrics in 2001 as compared to today, including the Federal Budget, the US GDP, the S&P 500, the Dow Jones, and housing prices.
Chris and Jeff discuss new government programs implemented since 911, including Homeland Security, ICE, the Patriot Act, and more.
Chris welcomes Mark Skala, CEO of Cape and Islands United Way and Dorothy Savarese, Chair and CEO of Cape Cod Five. This year’s Power of the Purse event, hosted by Women United, will be held on September 22nd. Dorothy is this year’s recipient of the Women of Impact award and will be honored at the event. Proceeds from the Power of the Purse are directed to programs encouraging self-sufficiency for women.
Asset Management Resources, LLC commemorates September 11, 2001.
Brigadier General James (Jim) LeFavor tells his story from a fighter pilot perspective. Jim was one of the F15 fighter pilots scrambled from Otis National Guard Base for the 101st Fighter Squadron to protect our Eastern seaboard on that fateful date. Listen to his riveting story.
Chris and AMR team members share where they were on 9/11.
Brian shares what he worries could slow the market down and why, including deflation, geopolitical events, extreme overvaluations and over speculation.
Chris and Brian also talk about overseas company valuations and if they are a good investment at this time.
With Labor Day representing the unofficial end of summer, the AMR team shares their favorite events from the summer.
In honor Labor Day AMR focuses on the unemployment numbers and how they are measured, reasons why businesses can’t find employees and perks that they are offering, and the hottest jobs over the next five years.
Brian Regan and Jeff Perry join Chris. They discuss the strong corporate earnings and business shifts as a result of Covid.
A client asks for advice on where to place funds from the sale of a secondary inherited home since markets are at all-time highs.
Chris talks with Dorian Mintzer, M.S.W., Ph.D., a well-known authority on retirement speaking and coaching. They discuss the importance of retiring from something and to something. Longer lifespans can be an opportunity to use skills in a new way.
Don’t internalize all of the myths about aging, keeping active and engaged can help towards living a healthy and fulfilling life at any age.
Jeff Perry hosts for Chris this week.
With students getting ready to go back to school, Jeff Tomaneng talks about ways that people save for college and how a 529 plan works.
Brian explains Fed tapering, which has been in the news recently. Tapering is the slowing down of quantitative easing that the Federal Reserve has been doing to keep interest rates low since the beginning of the Covid crisis.
Brian also discusses inflation concerns and unemployment.
Jeff Perry hosts for Chris this week. He and Scott talk about getting ready for retirement. They discuss including shifting from a savings to creating a paycheck mentality and other factors to consider.
They also discuss RMDs and the benefits/considerations for a ROTH conversion. If considering a Roth conversion, determine it is more beneficial to pay taxes now or later.
Chris, Jeff, and Cathi talk about the book “The Millionaire Next Door” and the difference between Wealth and Affluence. Wealth represents accumulated assets, whereas affluence is a lifestyle based on a high income. Wealth can be inherited or earned through a disciplined savings plan for people of any financial means. Affluence can be lost due to overspending, or loss of employment and/or other income.
In recognition of Financial Awareness Day, Cathi asks Chris, Brian, and Jeff Perry some financial trivia questions. Listen in to see how many you know the answers to.
Chris and Cathi talk about National Financial Awareness Day on Saturday, August 14th.
Jeff Perry discusses the $1.2T Infrastructure bill and what’s included. He also talks about the $3.5T budget plan and what has to happen for it to be approved.
Chris answers a question from the client mailbag: “As a retiree, where should I take money from for a $100,000 roof replacement?”
Chris and Brian discuss the increased cost in housing, cars, and other goods. Does this mean inflation?
Brian answers clients' questions:
“How high can the market go?”
"Why are airline and cruise line stocks not going up?”
Our interns Ryan Boyd and Ilya Boyd share their experience while working at AMR this summer.
Chris’ guest is Michael Townsend, Managing Director of Legislative and Regulatory Affairs at Charles Schwab. They discuss what’s happening in Washington and how it affects investors.
Things to look out for are:
The Debt Ceiling – The US is currently at the debt ceiling so Congress will either need to raise it or suspend it for a given period of time.
Taxes – The increase in corporate taxes and individual top income tax rate are likely to pass. Less likely to pass are the capital gains taxed as ordinary income for filers with over $1M adjusted gross income and step-up in basis for inherited assets.
Crypto-currency - SEC is looking at rules.
ESG Investing - SEC looking at new rules to expand disclosure by public companies around climate change.
Chris talks with Kathy McNamara, CEO at Cape Cod Community College Education Foundation about the new state-of-the-art STEM (Science, Technology, Engineering, Mathematics) building being built on campus. The building broke ground a year ago and is scheduled to be completed in the fall of 2022. It is being funded by the Commonwealth of MA, Cape Cod Community College, and donations through the Cape Cod Community College Foundation. Visit ccccfoundation.org to learn more about this important initiative.
Nicholas Membrillo, Senior Mortgage Lender at Peoples Home Equity (aka Cardinal Financial), talks with Chris and Scott about real estate and mortgage financing in the greater Nashville market.
He touches on historic low interest rates and whether it’s more advantageous to finance for 30 years or a shorter term.
Due to tightened financial practices, Nicholas doesn’t foresee a housing crisis as in 2008.
Less supply and remodeling are leading to increased values in home prices. Nicholas feels that real estate can be a good long-term investment.
Chris and Cathi talk about the Covid-19 Delta variant trends.
Gretchen Arvanitopoulos, VP at CORD (Cape Organization for rights of the Disabled), Mike Perna and Jeff Tomaneng of AMR join Chris to talk about financial planning for people with disabilities. CORD helps connect people with disabilities to available resources. They discuss the following and more:
- It is important to utilize a financial planner and lawyer who have experience in this field and can help navigate the process.
- Reach out early to understand the benefits that are available to younger children.
- Plan for guardianship well before the disabled child turns 18 years of age.
- Think about a plan to care for the disabled child when you cannot; consider a special needs trust.
- Realize that care needs may change in the future and a personal care attendant may be in order so consider cashflow and investment needs.
- Use a reputable/monitored rep payee if needed to manage bill payment and money needs.
- Life insurance may be of benefit in covering costs once parental caregiver is deceased.
Chris and Jeff Perry discuss the July 31st Debt Ceiling deadline. Once the Congress borrowing limit is reached, lawmakers must raise the ceiling before Treasury can issue more debt (e.g., bonds) to pay US obligations.
The national debt is currently $28 trillion, not counting entitlements ( https://www.usdebtclock.org provides more data on US debt information).
They also discuss the Infrastructure Deal, which includes proposals for transportation, water, etc. The Infrastructure Deal is not complete and will be going through the amendment process starting this week.
The AMR team talks about the recent Wall Street Journal article on life expectancy dropping by 1-5 years in 2020 - the largest decline since at least World War II.
Scott shares financial planning tips for widowhood. One of the most important is ensuring that cashflow needs are being met to cover expenses.
Chris answers a mailbag question from a client on the cost of annuities.
With Jeff Bezos, Elon Musk, and Richard Branson all recently traveling to space, triggered AMR team members to share what they would each do if they had unlimited funds.
Listen in for an engaging discussion on financial matters – and some fun too!
Chris and Brian discuss performance for the first half of 2021 and the factors driving the market.
The S&P average annual returns have been at 14% for the prior decade and the all-stock index has surpassed 14% over the last six months.
Covid continues to be a concern, with the Delta variant 3x more contagious. However, we are getting near herd immunity with fewer hospitalizations and death.
The Federal Reserve and AMR use Core PCE to measure long-term inflation. (News outlets often us CPI to measure inflation, which includes energy and food and is more volatile.) This measure has been running at 2.45% annualized rate of return over the last 2 years. Last quarter it ran at 3.39%, which is higher than targeted but not absurd. Inflation could be transient and settle at slightly higher than historic norms.
- Housing prices have been high with 10-20% gains. This will probably moderate from where it’s been due to low supply and high demand during Covid. Housing prices in 2021 are on par with where were 2018.
- Cost of lumber is normalizing, where it was extremely high due to the delay in supply during Covid.
- Unemployment continues to be high with 400k unemployment claims last and 2M workers 25-54of age still not working. Unemployment benefits, lack of childcare, and fear of virus contribute to the 9M job openings.
- Wage growth has been stagnate around 3% - low skilled workers are getting raises which will increase inflation modestly but nothing to be concerned about.
- Millennials are coming of age and buying houses and starting families. This could lead to a little bit of inflation but nothing scary high.
More savings and pent-up demand is now leading to spending. This with the demographic considerations bodes well for stocks.
Jeff Tomaneng discusses the CNBE article– 'Inflation is the Silent Killer ', where he was recently quoted. In the article, Jeff and others discuss how many retirees are feeling the sting of inflation.
Brian and Chris discuss if inflation protected securities make sense. if inflation is transient, as the Fed is indicating, demand for these investments will erode and price will decline.
Do you have financial and personal goals? Jeff Perry and Jeff Tomaneng discuss SMART (Specific, Measurable, Attainable, Relevant, Time-bound) goals and why they are important.
Brian discusses how energy prices affect inflation and the markets. The oil sweet spot price is where marginal cost meets marginal demand; however, this can not be controlled in a free-market economy.
AMR team member share their favor financial book and why:
Brian – Crisis Economic, Little Book for Beating the Stock Market
Cathi – Too Big to Fail
Jeff Tomaneng – The Truth About Money
Scott Birmingham - The Millionaire Next Door, The Smartest Guys in the Room
Jeff Perry – One up on Wall Street
Scott reviews AMR's 360 financial planning process. This process intends to understand one's comprehensive picture in order to provide the best financial guidance in consideration of a clients financial and life goals.
Jeff and Cathi discuss National Give Something Away Day. Don't forget to tell us about your favorite financial book by commenting to our July 15th Facebook post. You could win a copy of Susan B. Turnbull's "The Wealth of Your Life: A Step-by-Step Guide for Creating Your Ethical Will" or a Something More with Chris Boyd coffee mug!
Divorce is the 2nd most stressful thing that one can face in life. Scott talks about how to prepare financially before, during, and after. Get organized by pulling tax returns, bank statements, credit card statements, etc. It’s important to discuss Social Security, work pensions, homes, and other individual and shared assets. Keep your beneficiary and estate plan up to date.
Questions are answered from AMR’s Mailbag on the Didi rideshare IPO and international investments.
Jeff Perry hosts for Chris this week. Sunday was World Population Day. Did you know there are 7.8BN people on Earth and 332M in the US?
Brian and Scott review highlights from AMR’s recent tax webinar. They discuss:
- the proposed tax reform provisions under the Biden administration,
- how they may impact portfolios,
- and potential strategies to implement.
AMR’s next "Quarterly Economic & Market Update" webinar will be held on July 21st 2 10:00AM. You may register on AMRfinancial.com Previous webinars are available on the AMRfinancial.com Resources page.
Bill Zammer, owner of the Flying Bridge and other local restaurants made a significant contribution to the Cape Cod community. In tribute to him, Chris plays a “Something More With Chris Boyd” radio segment from September 2008, in which he interviewed Bill regarding his success.
Chris introduces AMR’s Margaritas & Money program. Scott Birmingham, CFP®, ChFC, CDFA®, CAP, CLU, Investment Advisor Representative and Chief Compliance Officer at Asset Management Resources, and his fiancée Kristi Curling critique margaritas at Nashville area restaurants and include 30 seconds of financial information in the process. It’s lots of fun and informative at the same time.
Chris, Scott, and Jeff Perry also talk about a change to the Secure Act proposed for January 1, 2022. This change would raise the age in which people are required to take Required Minimum Distributions from 72 to 73, and gradually to 75.
Brian talks about stock valuations and what drives P/E (price-to-earnings ratios). He also discusses how real estate investments fit into a portfolio during today’s real estate boom.
The S&P average annual return is 14.82%. Brian, Chris, and Jeff Perry discuss if it is better to stay invested or if now is the right time to get out of the market. Brian discusses the likelihood of inflation and the benefits/disadvantages of an inflationary economy. He also discusses the Covid Delta Variance and if now is a good time to be increasing foreign investment exposure.
Jeff Perry shares lessons from his personal financial journey. He suggests:
- Writing down goals, amending them annually, and reviewing them quarterly to stay accountable.
- Do not get emotionally involved in an investment and know what you are investing in.
- Get professional help to review various scenarios and make sure you are on track.
The AMR team discusses saving for college. Their key advice is something is better than nothing and it’s better to start sooner than later (use the power of compounding to your advantage).
529 plans are target-date college investment plans that grow tax-free. Withdrawals are also tax-free if payments are made directly to the college. Payments can be used towards tuition, room and board, books, school fees, and now even computers and printers.
Free Application for Federal Student Aid(FAFSA®) forms are due soon. Jayson Tinsley, Assistant Vice President, Financial Aid (Counseling) at University of Maryland Global Campus, joins Chris and Brian to discuss what the FAFSA is and best tips for obtaining college financial aid. AMR reviews the cost of raising a family.
Is someone in the family able to step in and manage the finances when the financial head of the house shows signs of incapacity?
AMR talks about some of the family dynamics when the financial family roles begin to shift.
They also discuss things that should be known and asked in the event that someone else needs to begin managing the family finances and other personal business matters
Annalee Kruger, Founder & President of Care Right, Inc. joins Chris this week. She discusses:
- the difference between dementia and Alzheimer’s,
- signs to watch out for – mood changes, fatigue, etc.,
- caregiver fatigue and resource available,
- and the importance of an aging plan.
Are you thinking of planning a summer vacation? AMR discusses best practices for vacation savings and answers client questions about 401(k) transfer, etc.
Chuck Nardozza, Managing Director of Travel Sales at AAA shares top travel trends, restrictions, and planning ideas.
Dave Sampson of Thrive Networks shares best cybersecurity tips. Businesses should have a comprehensive security framework including windows updates, data backups, data isolated outside of network, recovery process, and regular testing.
Individuals should use dual factor authentication, complex passwords and rotate them, don’t use the same password for every site and use an end point protection solution software.
AMR has fun talking about examples of shrinkflation.
Jeff Perry co-hosts with Chris. They discuss Memorial Day being a day to remember vets who died in service or are MIA, and the history behind it.
Chris, Mike, Jeff, Jeff, Scott, talk about all things Amazon.
AMR reviews financial best practices for recent graduates, including develop a budget, don’t get into debt by chasing the latest shiny penny, manage credit responsibly, and start saving for retirement
Glenn E. Frank, author of “Your Encore Retirement Planning Guide - How to Balance Time, Money and Joy", joins Chris. Glenn shares the joy matrix to help determine what makes you happy. People who have purpose and who help others tend to be happier and live longer.
Chris is joined by Brian Regan and Jeff Perry. They discuss these recent financial news events and their impact on the market:
- Activist investors on the Exxon Mobile Board
- Significant volatility in crypto-currency markets
- Inflation - Are higher consumer goods and housing prices indicative of long-term inflation or transitory? What effect will wage increases have on inflation?
Chris and Keats talk about three tax proposals and how they may affect estate planning:
- President Biden’s Income Tax, Capital Gains, Social Security
- Sander’s For the 99.5% Tax Act
- Van Hollen’s Sensible Taxation and Equity Promotion (Step) Act of 2021
Chris and Cathi discuss financial mistakes to avoid in your 50s and 60s, including:
- Spending Retirement Money Before Retirement
- Retiring Too Soon
- Relying Entirely on Social Security or Pension
- Not Having an Estate Plan
- Being Too Conservative with Investments
- Doing Nothing
F. Keats Boyd, President of Boyd & Boyd, PC, discusses the basics of estate planning, including the reasons to set up an estate plan and when/when not to use a Medicaid planning trust.
MAIN REASONS FOR AN ESTATE PLAN:
- Passing wealth at death
- Incapacity care planning
- Probate avoidance
- Asset protection
- Tax avoidance income and estate tax avoidance
When doing financial planning money is the how; what is really important is the why.
AMR’s 360 Financial Planning process helps clients look at all of the quantitative items impacting their finances, including income, assets, expenses, needs, Social Security, risk, and estate planning. It also addresses all of the qualitative aspect, including one’s personal and financial goals.
Learn about AMR's 360 Financial Planning process.
Asset Management Resources' Active Allocation process looks at numerous factors, including economic data and valuations, to see where opportunities and risk may be. We proactively adjust the portfolio in anticipation of these issues, striving to get the best risk-adjusted returns.
Learn more about our Active Allocation process at AMRfinancial.com.
Women have unique challenges when it comes to financial planning. As the traditional family caregiver they may have fewer working years, which can affect income, savings, and Social Security benefits. Chris, Brian, and Cathi talk about Warren Buffet, the Fed’s management of the 2020 financial crisis, and changing demographics. The U.S. population grew at slowest pace since the 1930s. Negative demographic trends are deflationary to the economy.
The AMR team continues their discussion about spring cleaning finances. This week they focus on investments, administrative tasks, and insurance, taxes, and estate planning.
Some of the best ways to grow your savings are to delay spending (setting money aside for future expenses) and direct debits from a checking to an investment account (IRA/Roth IRA, 401(k), etc.).
You spring clean your house, your yard and even your car, what about your personal finances? In this episode the AMR team shares tips for spring cleaning your finances - including bank accounts, credit cards, investments, administration, life insurance, taxes, and estate planning.
Listen to what the AMR team has been itching to do once the pandemic has ended and what they don’t want to see revert to pre-pandemic times.
Chris, Brian and Jeff Perry comment on President Biden’s address to Congress last week and how the policy implications could impact portfolios and taxes.
Fiscal policy has proposed increased spending and tax increases are likely to offset the spending. The market is reacting more to the extra spending than to tax increases. The increase in inflation expectations and increase in earnings has been positive for stock market and negative for investment grade bond market in the aftermath of the President’s address.
Chris and Brian talk about speculative investments, including IPOs, venture capital, private equity, cryptocurrency. Speculative investing my have a place in some portfolios, but it can come with risk.
AMR addresses client questions that have come in through the mailbag - President Biden's Infrastructure plan and real estate investments.
Jeff Perry, J.D., shares his professional background and why he decided to join AMR.
Chris and Brian review market conditions and portfolio designs from the latest AMR Quarterly Economic & Market Update webinar. They also talk about speculative investments, such as cryptocurrency, Game Stop, and more.
Be sure to reach AMR's latest Investment Insights, a review of the Economic & Market Update webinar, at AMRfinancial.com.
The AMR team shares best practices on how to create a paycheck in retirement. They talk about social security, pensions, work retirement accounts, IRA RMDs, and more.
All of these individual income streams should be looked at as part of a big picture when deciding when and how to withdrawal from them for cashflow.
Jenny Jackson of Coldwell Banker Barnes joins Chris to talk about the Nashville real estate market. Nashville has seen an influx of new homeowners during the pandemic. With the flexibility to work remotely, some people are choosing to move to areas with a more favorable climate and easier pace of life. This is causing high housing demand in areas with low inventory, driving prices up.
Deborah Schilling of Willam Raveis joins Chris to talk about the real estate market on Cape Cod. Many people moved during the pandemic to attractive locations like Cape Cod, causing the real estate market in those areas to soar.
February statistics show that the number of homes available on the Cape Cod market is down 77% from last year and that homes are selling for approximately 25% more. The best chance for the highest rate of return is a decluttered and modernly decorated home.
Ryan Tufts from Harbor One Mortgage joins Chris. From a historical perspective mortgage rates continue to be very low and the environment is very competitive. If you are thinking of refinancing, it may be good time to talk with a mortgage representative if your rate is above 4% and/or you are still covering mortgage insurance. AMR talks about when to buy a house: Should you buy when interest rates are high and prices are lower? Is it always more advantageous to purchase a home versus renting?
Chris and Brian discuss the $2Trillion infrastructure bill and what's covered in it. F. Keats Boyd III, President of Boyd & Boyd P.C. joins to discuss the potential tax implications of the bill.
Chris and Brian discuss investing in real estate - from home ownership, to property management, to REITs - and AMR's real estate portfolio.