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Retirement planning is about more than simply saving enough money. In this episode of Dollars and Cents, Joel Garris breaks down several important issues retirees and pre-retirees should understand before making major financial decisions.

First, Joel discusses the continued surge in annuity sales and why investors should be cautious before signing a long-term insurance contract. With record amounts of money flowing into annuities, he explains why these products are often complex, commission-driven, and full of fine print that can affect flexibility, access to money, and the true value of advertised guarantees.

Then, the conversation shifts to retirement planning for couples. Joel shares several conversation starters every married couple should consider before retirement, including what retirement actually looks like, how each spouse thinks about money, when each person wants to retire, and where they want to live. These lifestyle expectations can be just as important as the financial projections.

Finally, Joel covers tax surprises that can catch retirees off guard, including the taxation of Social Security, Medicare premium increases tied to income, required minimum distributions, and the surviving spouse tax trap. If you’re approaching retirement or already there, this episode offers practical reminders to ask better questions, plan ahead, and avoid costly surprises.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Major student loan repayment changes are here, and borrowers on the SAVE Plan may have only 90 days after receiving their notice to choose a new repayment option. In this episode of Dollars & Sense, Chet Cowart and Kristin Kalley break down what happened to the SAVE Plan, why doing nothing could automatically move borrowers into a Tiered Standard Repayment Plan, and how that choice could affect monthly payments, Public Service Loan Forgiveness, and long-term financial planning.

You’ll learn how Income-Based Repayment, the new Repayment Assistance Plan, and fixed repayment plans compare; why recertification matters; and what borrowers should consider before choosing a new plan. The episode also covers how market leadership may be shifting beyond big technology stocks and why diversification, valuation, and concentration risk matter for investors approaching retirement.

Topics covered:
* SAVE Plan ending

• 90-day repayment deadline

• student loan repayment options

• IBR vs. RAP

• Public Service Loan Forgiveness

• recertification strategies

• tax filing considerations

• market leadership changes

• AI and tech stock concentration

• diversification

• retirement planning

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning breaks down three timely money topics that can impact everyday financial decisions. First, he looks at the Bilt card and whether earning rewards on rent is really worth it—or whether the credit card risks outweigh the marketing hook.

Then, Joel explains key Florida Retirement System choices, including the Pension Plan, Investment Plan, DROP, and recent legislative updates affecting certain COLA benefits and DROP flexibility.

Finally, he discusses the decline in financial literacy, the rise in adult children relying on parents for financial support, and practical steps families can take to build independence without putting retirement at risk.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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The One Big Beautiful Bill has been in effect for a year — but are taxpayers actually seeing the benefits? In this episode of Dollars & Sense, Joel Garris and Christina Lamb break down the latest tax changes, including larger standard deductions, new rules for tips and overtime, the senior deduction, charitable giving updates, and the expanded SALT deduction.

They also explain the newly launched Trump Accounts, including who may qualify for the $1,000 government contribution, how these accounts compare to 529 plans and custodial Roth IRAs, and why families should understand the rules before contributing.

Plus, Joel and Christina discuss current market headlines, strong earnings season results, rising margin debt, leveraged ETFs, cryptocurrency volatility, and why investors should stay disciplined even when markets feel strong.

If you want to better understand how recent tax law changes, family savings options, and investment risks may affect your financial plan, this episode is for you.

Topics covered include:
Trump Accounts, the One Big Beautiful Bill, 2026 tax deductions, senior tax planning, charitable giving rules, SALT deduction changes, earnings season, leveraged ETFs, margin debt, bitcoin volatility, and long-term investment discipline.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Summer is the perfect time to pause, reset, and make sure your money is still working for you. In this episode of Dollars & Sense, Zach Keister and Kristin Kalley walk through practical midyear money moves that can help you review your financial goals, get organized, and protect your household from costly mistakes.

First, they cover how to run a simple midyear money reset by reviewing what came in, what went out, what you owe, and what you have saved. Then, they discuss why credit card debt can quietly build during the summer, how to create a realistic payoff plan, and how small spending “speed bumps” can help reduce impulse purchases.

The conversation also covers financial loose ends that are easy to put off but important to review, including beneficiary designations, old retirement accounts, estate planning documents, and account consolidation. Finally, Zach and Kristin shift into cybercrime awareness, sharing key takeaways from the FBI internet crime report, including how AI is making scams more convincing, why younger people are increasingly being targeted, how government impersonation scams are evolving, and why crypto fraud is driving major losses.

If you are looking for practical personal finance tips, ways to pay down debt, or reminders to protect your family from financial scams, this episode is a great place to start.

In this episode: midyear financial reset, credit card payoff strategies, budgeting tips, retirement account cleanup, beneficiary reviews, estate planning basics, cybercrime prevention, AI scams, government impersonation scams, and cryptocurrency fraud awareness.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Is Social Security really running out? And if changes are coming, what should you be doing now to prepare for retirement?

In this episode of Dollars & Sense, Rob Field and Chet Cowart of Nelson Financial Planning break down the latest Social Security Trustees Report and explain what it may mean for future retirees. They discuss why Social Security is not expected to disappear entirely, what could happen if no changes are made, and why it is more important than ever to build a retirement income plan that goes beyond one source of income.

Rob and Chet also cover the importance of employer retirement plans, IRAs, Roth options, systematic investing, diversification, market expectations, AI and technology exposure, and how to answer the big retirement question: “Do I have enough?”

Whether you are decades away from retirement or already thinking about turning your savings into income, this episode offers practical insight into how Social Security, investments, budgeting, taxes, risk tolerance, and lifestyle goals all work together in a successful retirement plan.

In this episode, you’ll learn:
* What the latest Social Security Trustees Report says about the future of benefits

• Why Social Security should be one part of a broader retirement income strategy

• How workplace retirement plans, IRAs, Roth accounts, and brokerage accounts can support your long-term goals

• Why systematic investing and “paying yourself first” can help build strong financial habits

• How diversification can help manage risk during changing market conditions

• Why retirement planning is about more than reaching a single account balance

If you have questions about Social Security, retirement income planning, or how your investment strategy fits into your long-term goals, contact Nelson Financial Planning. We’re here to help you make sense of life’s decisions involving your dollars.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning covers a packed lineup of financial topics—from market volatility and index changes to summer travel planning and a potentially significant tax refund opportunity.

First, Joel discusses the recent uptick in market volatility, including how AI-related spending, semiconductor stocks, and market concentration are affecting investor conversations. He also explains the upcoming Russell 1000 Growth and Russell 1000 Value reconstitution, why major companies like Apple, Microsoft, Amazon, and Alphabet may shift within these indexes, and what that could mean for investors who own index funds or ETFs.

Next, with summer vacation season in full swing, Joel shares practical ways to vacation smarter. From building travel into your monthly budget to choosing less expensive travel dates, considering less touristy destinations, planning for the full cost of the trip, and using credit card rewards carefully, this segment offers timely tips for enjoying a vacation without creating financial stress afterward.

Finally, Joel breaks down a recent court decision, Kwong v. United States, that may create a potential refund opportunity for taxpayers who paid certain IRS penalties or interest related to tax years 2019 through 2022. He explains why the July 10 deadline matters, what a protective claim is, and why taxpayers may need to act to preserve their rights while the issue continues through the appeals process.

Topics covered in this episode:
* Market volatility, AI spending, semiconductor stocks, and the Russell index reconstitution * Smart summer vacation planning and ways to reduce travel costs * The Kwong v. United States tax case and potential refund claims for IRS penalties and interest

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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As parents, it’s natural to want to help your children—especially when they’re facing financial challenges. But when that support becomes open-ended, it can create serious risks for your retirement, your emergency fund, your credit, and even your family relationships.

In this episode of Dollars and Sense, Joel and Zach discuss five ways helping adult children can unintentionally hurt your retirement plan. They cover how financial support can affect family dynamics, create sibling tension, reduce retirement contributions, drain emergency savings, and increase debt or credit risk.

The goal isn’t to stop helping your kids. It’s to help wisely—with structure, boundaries, and a clear understanding of how today’s generosity could impact tomorrow’s financial security.
If you’re a parent, pre-retiree, or retiree trying to balance generosity with long-term financial stability, this conversation is for you.

Thinking about moving to a 55+ community? Before you make the leap, there are a few important questions to ask yourself—because this decision is about much more than buying a new home.
Joel and Zach discuss the lifestyle, financial, emotional, and long-term planning considerations that come with moving into a 55+ community. From downsizing and HOA fees to social activities, aging in place, and making sure you and your partner are on the same page, this conversation is designed to help you think clearly before making a major life transition.

A 55+ community can offer convenience, connection, and a fresh start—but it may also require trade-offs. The key is knowing whether the community fits your finances, personality, lifestyle, and future needs.

In this episode, we cover:
* Whether you’re truly ready for a lifestyle change * The emotional and practical side of downsizing * Giving up yardwork, gardening, and home maintenance * Understanding HOA fees and service-based costs * Social opportunities and privacy considerations * Making sure you and your partner are aligned * Planning for aging in place and long-term comfort

If you’re retired, nearing retirement, or helping a loved one consider their next move, this episode will give you helpful questions to consider before choosing a 55+ community.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode, we look at three forces that can shape—or sabotage—an investor’s long-term success: exciting investment stories, nonstop financial headlines, and everyday money habits.

From the hype around companies like SpaceX to the emotional pull of market news, we discuss why compelling stories and breaking headlines don’t always translate into smart portfolio decisions. We also explore the quiet habits that can help build wealth over time, including saving consistently, avoiding lifestyle creep, automating good decisions, and staying focused on a long-term financial plan.

The big takeaway? Successful investing usually isn’t about reacting faster, finding the flashiest opportunity, or predicting the next market move. It’s about discipline, diversification, consistency, and making decisions that align with your goals—not your emotions.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Are today’s market highs a sign of strength—or a reason for caution? In this episode of Dollars & Sense, Joel Garris breaks down what investors should pay attention to as stocks sit near record levels, inflation remains sticky, and interest rate uncertainty continues to shape the financial landscape.

Joel also tackles one of the biggest quiet risks in personal finance right now: holding too much cash. While cash can feel safe, staying overly conservative for too long can create long-term consequences for growth, purchasing power, and retirement success.

Then, in a practical and timely segment, Joel walks through a retirement readiness checklist—covering income planning, Social Security, taxes, health care, legal documents, and the lifestyle questions many people overlook.

If you’ve been wondering whether to stay invested, move money out of cash, or prepare more intentionally for retirement, this episode offers clear, practical guidance to help you make smarter financial decisions.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode of Dollars & Sense, Kristin Kalley and Christina Lamb tackle two important financial topics that can have a big impact on your family’s future. First, they break down which accounts parents should prioritize when they have a baby, including 529 plans, custodial accounts, and newer savings opportunities that could help build long-term, tax-advantaged wealth for children. Then, they shift gears and unpack some of the most commonly misunderstood federal income tax rules—covering tax brackets, write-offs, refunds, Roth conversions, capital gains, and more.

If you’ve ever wondered how to start saving for your child, or if you’ve heard tax advice that sounded a little too simple to be true, this episode will help you think more strategically and avoid costly mistakes.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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What investment habits can quietly hurt your retirement plan? In this episode of Dollars & Sense, Chet and Rob break down 7 common investor behaviors that can create unnecessary risk for retirees—from holding too much cash and trying to time the market to ignoring taxes, chasing yield, skipping rebalancing, overreacting to headlines, and failing to adjust your strategy over time.

If you are retired or getting close to retirement, this conversation will help you think more clearly about how your portfolio, withdrawal strategy, and long-term plan should work together. The goal is not perfection—it is discipline, clarity, and making thoughtful decisions that support your lifestyle over the long run.

In this episode, we cover:
• Why too much cash can create inflation risk
• How market timing can hurt long-term returns
• Why tax-efficient withdrawals matter in retirement
• The hidden danger of chasing yield
• Why rebalancing is essential
• How reacting emotionally to news can backfire
• Why your investment plan should evolve over time

If you enjoy practical retirement planning conversations like this, be sure to like, subscribe, and share this episode with someone preparing for retirement or already living in it.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Tax season may be over, but tax scams are not. In this episode, Joel Garris and Christina Lamb break down the IRS’s annual “Dirty Dozen” list of the most common tax scams targeting taxpayers right now—from phishing texts and AI-powered phone scams to fake charities, ghost preparers, identity theft, and misleading social media tax advice.

They also unpack the IRS’s ongoing digital shift and explain what it means for refunds, payments, online accounts, and why taxpayers need to prepare now.

If you want practical tips to protect your money, avoid costly mistakes, and stay ahead of major IRS changes, this is an episode you won’t want to miss.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Join Joel Garris on this insightful episode of Dollars & Sense, where he explores the top questions you should ask your financial advisor, planner, or wealth manager.

Discover why it’s crucial to understand how your advisor is compensated, the importance of the fiduciary standard, and how to evaluate investment philosophy, communication practices, continuity planning, portfolio details, risk management, goal tracking, beneficiary strategies, tax minimization, and how to reach your advisor during critical moments.

Joel also shares practical guidance on how long to keep financial documents and the best ways to safely dispose of sensitive paperwork. Whether you’re preparing for your next review meeting or seeking clarity in your financial life, this episode is filled with actionable insights to help you make smarter decisions with your money.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Actionable Advice for New Grads and Their Families

Ready to celebrate graduation season with a dose of real-world financial wisdom? 🎉 Join Certified Financial Fiduciaries™ Chet Cowart and Zach Keister for a lively, informative episode as they step in for Joel—who’s off attending his son’s college graduation in Boston. Whether you’re a proud parent or a fresh grad, this show is packed with practical, kitchen-table conversations you need right now!

From budgeting basics and building a financial foundation to setting healthy boundaries and tackling student loans, Chet and Zach deliver four actionable tips for parents and four smart financial moves for graduates. Plus, discover why the Dollars & Sense book and companion workbook make the perfect gift for anyone starting their adult journey. Tune in for a fun, approachable guide to launching your financial future—no jargon, just real talk.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode of Dollars & Sense, Joel Garris tackles two of the most misunderstood—and most impactful—areas of financial and estate planning.

First, Joel breaks down a common myth: your will does not control where most of your money goes. Instead, beneficiary designations quietly determine who inherits retirement accounts, life insurance, annuities, and many investment and bank accounts. With trillions of dollars passing outside of wills every year, Joel explains why outdated or overlooked beneficiary forms can create costly mistakes—and what simple steps you can take today to make sure your assets end up exactly where you intend.

Next, Joel dives into one of his favorite planning strategies: Qualified Charitable Distributions (QCDs). If you’re charitably inclined and over age 70½, this powerful tool allows you to support causes you care about while significantly reducing your tax burden. Joel walks through how QCDs work, the rules you must follow, common pitfalls to avoid, and why they can be far more tax‑efficient than writing a check—especially when it comes to required minimum distributions, Medicare premiums, and Social Security taxation.

Along the way, Joel also shares timely market perspective during earnings season, highlights the importance of staying organized with financial documents, and explains how thoughtful planning can reduce stress, cost, and conflict for the people you love.

If you’ve ever wondered whether your estate plan is really doing what you think it is—or how to give charitably in the most tax‑smart way—this episode is packed with practical insights you won’t want to miss.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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April 15 is in the rearview mirror—but what did we actually learn from this tax season? In this episode of Dollars & Sense, Joel Garris and CPA/CFP® Kristin Castello break down the biggest takeaways we saw on real tax returns, plus what the latest IRS/Treasury stats may be signaling for households heading into the rest of the year. 🧾💡

We also connect the dots to the markets: a reminder of how quickly headlines can swing sentiment—and why consistency matters when volatility shows up. 📊

In this episode:
• What’s driving bigger average refunds this year—and why a big refund isn’t always “good news” 💰
• New/expanded deductions people asked about most (and where the fine print matters): “no tax on overtime” & “no tax on tips” ⏱️🍽️
• Enhanced senior deduction + standard vs. itemized trends 👵🧾
• The tax-bracket myth: marginal tax rate vs. effective tax rate (and why most people pay less than they think) 📉
• Market volatility, recoveries, and the value of staying disciplined

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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This episode covers three topics that can have a big impact on your financial future: how to avoid a surprise tax bill next year, why a Health Savings Account (HSA) may be one of the most underutilized retirement assets, and how retirement planning has changed (it’s not your parents’ retirement anymore).
In this episode:
* Why the IRS is a “pay-as-you-go” system—and what to change if you owed this year

• Withholding vs. quarterly estimated payments (and when each applies)

• Social Security and retirement distributions: common tax withholding blind spots

• HSAs explained: the triple tax advantage (and why it matters)

• Key HSA rules before and after age 65, including Medicare timing

• Why retirement may last 30–40 years—and why flexibility beats a “perfect forecast”

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Join Joel Garris and Rob Field for a lively Easter edition of Dollars & Sense! In this episode, we kick things off celebrating Easter and exploring its unique mix of Christian tradition and modern-day commercialization (think chocolate bunnies and Easter egg hunts). Then, with the tax deadline just days away, Joel and Rob share practical tips to avoid common IRS mistakes that could cost you time, money, and peace of mind. Learn how simple errors like name changes, unreported income, and ignored IRS letters can lead to big headaches—and how to stay off the IRS’s radar.
Plus, it's Final Four weekend! The hosts dive into the explosive growth of online sports gambling, revealing eye-opening statistics about success rates, average losses, and the impact on personal finances. Discover why betting and investing are not the same—and how young generations can build wealth by focusing on fundamentals, not quick wins.
* Discover fun Easter history facts & traditions

• IRS tips: Extensions, payments, direct deposit & more

• Sports betting vs. investing—know the difference!

• Market recap: 2026 Q1, oil shocks, and the importance of portfolio diversification

Key Takeaways:
✔️ Details matter—whether you’re filing taxes, investing, or betting
✔️ Diversification and consistency are essential in uncertain markets
✔️ Sports gambling rarely beats true long-term investing

IRSProblems #FinancialPlanning #SportsBetting #InvestingTips #FinalFour #Diversification #PersonalFinance

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode of Dollars & Sense with Joel Garris, CERTIFIED FINANCIAL PLANNER® at Nelson Financial Planning, we tackle some of the hottest financial topics of the week:
* IRS Interest & Penalties: Did you pay extra on your tax bill? Discover why IRS penalties are on the rise, how interest rates affect what you owe, and actionable steps you can take to avoid unnecessary costs.

• Market Corrections Explained: With markets sliding into correction territory, Joel breaks down what a 10%+ decline means, why volatility is normal, and how headline-driven market drops often recover faster than you think.

• Inflation & Real-World Impact: Are rising gas prices hurting your wallet, or is it mostly psychological? Learn how inflation affects different households and why financial planning should focus on your numbers—not the headlines.

• The Power of Diversification: Ever wonder why your investments don’t all perform the same? Joel answers common questions about diversification, the risks of concentration (even in index funds), and how to build a portfolio that weathers market ups and downs.

• Global Economics & the Dollar: Get an update on the U.S. dollar’s strength, China’s shrinking share of the global economy, and why America’s economic position remains unique and strong.

• Federal Reserve & Interest Rates: Find out how shifting expectations around rate cuts are impacting markets—and why you shouldn’t build your investment strategy around Fed predictions.

• Election Year Volatility: Learn historical stats on market swings during midterm election years and why volatility is usually temporary.

Whether you’re a taxpayer, investor, or retiree, this epi

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Join Joel Garris and Chet Cowart on this week’s episode of Dollars & Sense as they take you courtside for a lively discussion that fuses the excitement of March Madness with the intensity of today's financial headlines. This episode dives into the "private credit squeeze"—how hot new investment products can quickly go from hype to headache, and why liquidity and transparency matter more than ever.

The hosts break down what private credit is, how it’s become the latest Wall Street darling, and why even big-name fund managers are feeling the pressure as investors clamor to cash out. Whether you’re a seasoned investor or just curious about these trending products, you’ll learn the risks and realities behind the glossy sales pitches and limited withdrawal policies.

In the second half, Joel and Chet tackle the buzz surrounding a "totally tax-free retirement." Are those seminar promises too good to be true? Get the real story on Roth conversions, backdoor IRAs, and why tax planning isn’t a one-size-fits-all solution. They share real-world examples, highlight common pitfalls, and offer guidance for anyone considering major moves with their retirement savings.

Plus, enjoy some fun NCAA tournament banter, insights on the changing landscape of college sports and NIL money, and practical advice for making smarter financial decisions—no matter what the headlines say.
* Understanding the private credit squeeze: hype vs. reality

• What limited liquidity means for your portfolio

• The facts (and fine print) about achieving a tax-free retirement

• Why individualized planning beats blanket advice every time

Don’t let market trends or eye-catching ads dictate your financial future. Tune in for a winning playbook on navigating today’s investment landscape!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes

Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool.

But we don’t stop there: Tax season is a prime time for scammers, and they’re getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind.

Whether you’re a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

This week’s episode of Dollars & Sense dives into the headlines shaking up the financial world—from the U.S. and Israel’s military action in Iran and rising oil prices to the launch of new “Trump accounts” for minors and the dreaded IRMAA Medicare adjustments. Joel Garris and Rob Field break down the immediate market reactions, share personal stories (including a real-life gas price dilemma), and offer practical, calm action steps for investors facing uncertainty. Learn how historical market shocks recover, why diversification beats prediction every time, and what you need to know about setting up Trump accounts for your kids—including how to snag up to $1,000 free from the government. Plus, get expert insight on IRMAA: how your income can unexpectedly bump up Medicare premiums and shrink your Social Security check—along with proactive tips to avoid getting caught off guard.

Whether you’re worried about your portfolio, planning for your child’s financial future, or wondering how to navigate Medicare surcharges, this episode is packed with timely advice and actionable strategies. Tune in for relatable stories, clear explanations, and a holistic approach to making sense of your dollars in uncertain times. Don’t miss out—your financial peace of mind might be just one listen away.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Ready to safeguard your finances and make confident life transitions? In this must-listen episode of Dollars & Sense with Joel Garris, Joel dives into two of today’s most important money topics: protecting yourself from modern scams and preparing for a move to a retirement care community.

🔒Outsmarting Scammers & Protecting Your Data
Have you ever received official-looking letters, texts, or emails trying to charge you for services you can easily (and cheaply) do yourself? Joel kicks off the episode with real stories from the front lines, exposing common business formation scams and revealing why independent verification is your best defense. Learn practical ways to protect your money and personal data from increasingly sophisticated scammers—plus, what simple actions you can take today to avoid becoming a victim.

🏡 Financial Readiness for Retirement Community Living
Thinking about moving into a retirement care community, or helping a loved one with this transition? Joel walks you through the essential financial checklist for a stress-free move. From understanding your full financial picture to comparing costs, planning for taxes, updating your legal documents, and more—get the step-by-step guidance to make smart, confident choices for your next big chapter.

👉 Whether you’re starting a business, moving into a new life stage, or just want to keep your hard-earned money safe, this episode is packed with actionable advice you can use right now.
* How scammers target new business owners—and how to spot the tricks

• Three key habits to keep your identity and assets secure in the digital age

• The 8 financial steps to take before moving to a retirement care community

• Tips on tax planning, legal documents, and navigating changing expenses

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Understanding the Human Side of Financial Decisions

Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life.

Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and social comparisons influence your financial behaviors. From procrastinating on taxes to feeling envy or guilt when scrolling social media, Zach and Christina break down common cognitive biases—like loss aversion and present bias—and offer relatable stories (including a Monopoly experiment!) to show how these play out in real life.

Get practical with 5 actionable tools to rewire your financial habits:
* Automate your savings and bills for less stress

• Create simple money rituals to reduce avoidance

• Reframe your money story for a healthier mindset

• Add friction to overspending and remove it from positive habits

• Seek accountability and professional support when needed

Walk away with strategies to break the anxiety–avoidance loop, resist emotional overspending, and counteract the pressure of social comparison. Whether you're just starting out or looking to strengthen your financial foundation, this episode will help you see your money life as a relationship you can nurture and improve—no shame, just progress.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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With gold and silver surging to eye-catching highs, Joel unpacks whether now is really the right time to jump in. Get the unvarnished truth about the risks and realities of investing in gold and silver, including their historical track record, the costs that often go overlooked, and why they’re not always the golden ticket to wealth the headlines might suggest. Discover how herd mentality, FOMO, and social media hype can drive prices—and why long-term results often tell a different story.

But that’s not all—this episode empowers you with a practical checklist of essential questions to ask your financial advisor. Joel breaks down the crucial topics: understanding all the fees you’re paying, ensuring your advisor acts as a fiduciary, grasping their investment philosophy and track record, and knowing how they’ll communicate with you through the market’s ups and downs. These questions are designed to help you build a true partnership and make well-informed decisions about your financial future.

Whether you’re a seasoned investor, just getting started, or simply curious about the latest trends in money management, this episode promises valuable insights, clear explanations, and actionable advice. Tune in to sharpen your financial acumen and make sense of your dollars—plus, find out how you can connect with Joel and his team for further guidance.

Listen now to get the facts, cut through the hype, and take charge of your finances with confidence!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode, Rob Field and Chet Cowart explore the parallels between training for a marathon and investing for the future, emphasizing how each investor's personal goals and circumstances shape their approach. They begin by discussing recent market trends and how growth over the past few years has affected different age groups.

The hosts highlight the importance of investment goal-setting, comparing strategies for those nearing retirement to those still building their wealth. Younger investors typically seek maximum growth and are more tolerant of market volatility, viewing downturns as opportunities to buy. In contrast, those closer to retirement prioritize safety and income, often shifting toward bonds and cash to preserve capital and generate steady income.

Field and Cowart also tackle topics such as portfolio construction, risk tolerance, and the differing roles of income and Social Security. They note that Social Security is funded by younger workers and question its future viability as workforce demographics shift and more people delay retirement. The conversation includes recent trends, such as a decrease in workers under 25 and factors influencing workforce participation since the pandemic.

The episode offers valuable insights into lessons investors often wish they had learned earlier, including the power of savings and compounding, the importance of starting early, managing debt, automating investments, and developing disciplined financial habits. The hosts stress the significance of honest self-assessment, patience, and flexibility—much like training for a marathon.

Concluding, Rob and Chet reiterate that successful investing is about time, setting clear goals, and understanding one’s risk tolerance. They encourage listeners to approach their financial journey with a long-term perspective, realistic expectations, and sustainable habits.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Join hosts Joel Garris and Zach Keister on this action-packed episode of Dollars & Sense as they break down the fast-paced start to 2026. Discover why the stock market’s leadership is changing, what the “Mag 7” becoming the “Fab 4” means for your investments, and how early signs of broad market participation could reshape your portfolio. The duo tackles interest rates, the latest moves from the Federal Reserve, and what falling mortgage rates mean for buyers.

But it’s not just about markets—Joel and Zach dive into the five financial lies people keep telling themselves, from “I have a budget” to “I don’t know why I’m always broke.” They share practical steps to build a real emergency fund, track your spending, and take control of your financial future. If you’ve ever wondered why your money seems to disappear, this segment is a must-listen!

The show wraps up with a look at the $4.6 trillion real-estate wealth transfer—from Baby Boomers to Gen X and Millennials—that’s already changing housing and family planning.

Whether you’re considering buying property for your kids, downsizing, or inheriting a home, you’ll get expert insights on how to structure these moves and avoid common pitfalls.

Tune in to hear how market trends, personal finance habits, and generational shifts are converging in 2026—and what it means for you.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this compelling episode of Dollars & Sense with Joel Garris, the show dives deep into two urgent financial realities that could reshape your future: the explosion of ultra-long car loans and a retirement crisis few see coming—not about money, but about meaning.

First, Joel tackles the “100-month car loan” phenomenon, revealing how soaring auto prices and sky-high average payments (now topping $750/month) are forcing families into unprecedented debt traps. He breaks down common mistakes—like focusing only on monthly payments or stretching loan terms to buy pricier vehicles—and offer smart, actionable strategies: buying used, choosing shorter loans, and planning purchases to protect your budget and future.

Then, the show pivots to a powerful, rarely discussed retirement crisis: the loss of mattering. Joel illuminates why financial and health planning alone aren’t enough and explores the emotional gap retirees face when work—and the sense of being needed—ends. You’ll hear research-backed insights into why building a new sense of purpose, connection, and significance is the real key to a happy, resilient retirement.

Plus, the episode unpacks the hidden financial blind spots that overwhelm grieving spouses, from surprise debts and locked accounts to the dreaded “widow’s penalty” tax shock. Joel shares practical steps you can take today to protect your spouse and yourself, ensuring clarity and stability during life’s toughest moments.

If you want to avoid costly financial pitfalls and ensure your next chapter is not just secure—but meaningful—this episode is a must-listen.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Curious how the latest tax law updates and retirement plan changes will impact your wallet in 2026? This week on Dollars & Sense, Joel Garris and Christina Lamb cut through the confusion and deliver essential information every American family and high-income earner needs to know—no jargon, just actionable insights and clear examples.

First, Christina revisits the Top 10 Tax Changes for 2026—and then dives deeper into two big updates the team didn’t get to last week: the newly indexed Child Tax Credit (now rising with inflation!) and the fresh cap on itemized deductions for high earners. Listeners learn exactly what’s changing, who is affected, and how to maximize their tax strategy under the new rules. Step-by-step action tips help you avoid costly surprises, keep more of your money, and strategize for the year ahead.

The discussion then shifts to a retirement game-changer: the new Roth 401(k) catch-up contribution requirement for high-income earners aged 50+. If you’re used to socking away extra retirement dollars pre-tax, you’ll want to hear how the new rules could raise your tax bill—and why, for many, it’s still smart to keep contributing. The segment unpacks who must comply, plan differences, and the pros and cons of Roth vs. traditional contributions. Plus, Joel and Christina walk you through critical “what to do now” steps so you don’t get caught off guard, from checking your plan options to coordinating with your tax advisor.

Finally, the episode wraps up with practical guidance for all listeners: review your eligibility for credits and deductions, start planning early, and remember that smart tax and retirement strategies can make a huge difference by year’s end. Joel and Christina’s friendly, down-to-earth approach makes even complex topics feel manageable—and maybe even a little fun.

Ready to get ahead of the 2026 tax and retirement changes? Don’t miss out—tune in now to Dollars & Sense and take control of your financial future!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Discover the Financial Ripple Effects of Geopolitical Turmoil and 2026’s Major Tax Reforms

In this episode of Dollars & Sense with Joel Garris, hosts Joel and Kristin tackle two high-stakes financial stories shaping headlines and household budgets. First, dive into the dramatic capture of Venezuela’s President Nicolás Maduro by U.S. forces—unraveling the international backlash, the future of Venezuela’s oil sector, and what it means for energy prices, market volatility, and your personal finances. Then, the duo breaks down the top 10 tax changes coming in 2026, from permanent lower tax brackets and bigger deductions, to new benefits for tip earners, car buyers, and charitable donors.

Find out how shifting global power plays could influence your investment strategy, and get actionable tips to make the most of new tax rules—whether you’re saving for retirement, buying a car, or planning for your children’s future. Will these changes bring more opportunities or new risks to your wallet? Tune in to get informed, stay ahead, and learn what you can do to safeguard your financial future.

Click to listen and get the insights you need to navigate both international headlines and tax law twists!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Kick off 2026 with Joel Garris on Dollars & Sense as he dives into two critical topics: the latest market trends and practical financial resolutions. This episode opens with a fearless forecast for the year ahead, including a candid review of last year’s predictions—where Joel nailed the impact of deregulation and tax reform but underestimated the power of AI and the surprising market surge. Hear why 2025 was a transformative year, and what lessons shape the new forecast for the Dow in 2026.

What’s next for investors? Joel reveals the driving forces behind this year’s markets: AI-fueled earnings growth, the effects of recent tax legislation, and why diversification could be the key to outperforming concentrated indexes. He also breaks down the risks—market overvaluation, inflation, and labor concerns—while explaining how a “pause year” might reset expectations.

Ready to make your financial resolutions stick? Drawing from behavioral finance and insights from The Wall Street Journal, Joel shares actionable strategies for setting—and keeping—money goals that align with your values. Find out how automatic savings, clear targets, and monthly check-ins can transform your financial discipline and set you up for success.

If you want to know whether your portfolio is poised for growth or if your resolutions will finally last past February, this episode is packed with expert analysis and practical tips. Listen now for a blend of market insights and personal finance wisdom that could make 2026 your best financial year yet!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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How This Year’s Biggest Events and Behavioral Insights Can Transform Your Financial Future
2025 has been a year packed with transformative moments—political shifts, market turbulence, technological leaps, and viral media headlines. In this episode of Dollars & Sense, Joel Garris guides you through the essential financial lessons we can draw from the past twelve months, exploring how these events influence your money decisions.

Can the rise of artificial intelligence and robo-advisors truly replace the wisdom and empathy of a seasoned financial advisor? Joel weighs the promise of AI’s efficiency and data prowess against its limitations—highlighting why human guidance remains vital when markets swing, life gets complicated, and emotions run high.

The episode features Warren Buffett’s timeless warnings about investor behavior, with practical tips for sidestepping biases like loss aversion, herd mentality, and overconsumption. Joel offers real-world strategies to help you avoid costly mistakes and follow a disciplined path, no matter what headline dominates the news cycle.

From tariffs and market shocks to breakthroughs in energy and viral pop culture moments, every headline of 2025 brought a new lesson for your financial playbook. If you’re ready to understand what these stories mean for your investments—and how to make smarter decisions in the year ahead—this episode delivers valuable insights with Joel’s trademark warmth and wit.

Curious how these lessons apply to your financial journey? Click to listen and turn 2025’s headlines into your smartest year yet!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Discover budget-friendly holiday tips and creative gift ideas on Dollars & Sense
In this festive episode of Dollars & Sense, hosts Zach Keister and Rob Field dive into the emotional and financial realities of holiday spending. The show kicks off with lighthearted banter about holiday traditions and a playful debate over whether “Die Hard” counts as a Christmas movie, setting the stage for practical advice on surviving the season without overspending.

Zach and Rob tackle two major topics: how to avoid blowing your holiday budget and how to give gifts that go beyond the usual — like helping loved ones start a 529 college savings plan or a UTMA custodial account. Listeners learn why emotions drive us to spend more, how “buy now, pay later” services can be a financial trap, and actionable ways to keep spending in check, from making gift lists to crafting homemade presents.

The episode also introduces “No Spend January,” a challenge to help listeners recover from December’s splurges by spending only on essentials for an entire month. With tips for planning ahead, breaking financial habits, and turning savings into fun, Zach and Rob show how the choices you make now can set the tone for the year ahead.

Thinking about ways to be generous without getting tied up in financial knots? Wondering how to make your money work for you and your family? Tune in for expert insights, relatable stories, and a few laughs as Dollars & Sense makes budgeting and financial planning approachable—and even a little fun.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this week’s episode of Dollars & Sense with Joel Garris, Joel dives into two urgent questions facing American investors and retirees: How will the Corporate Transparency Act (CTA) affect your business, and are you prepared for the costly pitfalls of inherited IRA rules?

First, Joel unpacks the latest developments in the Corporate Transparency Act, including an interview with Simon Conway. Listeners learn why recent rule changes and enforcement suspensions mean most U.S. companies are temporarily off the hook for beneficial ownership reporting—but why foreign entities and ongoing litigation could shift the landscape again soon. Joel and Simon highlight the burden on small businesses and the complex path to reversing these requirements.

Next, Joel explores the growing crisis of Americans sacrificing retirement savings to support family members. He shares surprising statistics: While most are willing to cut back on their own lifestyles or work longer, only a small fraction are willing to reconsider family support. Joel offers practical strategies for setting boundaries, planning tax-efficient gifts, and balancing the needs of the “sandwich generation.”

The episode’s third segment tackles the new inherited IRA rules that could cost unwary beneficiaries thousands in penalties. Joel explains how missing required withdrawals can trigger a 25% penalty and push you into a higher tax bracket, plus the common mistakes people make and the tax-smart moves to avoid them.

Key Takeaways:
* Stay updated on CTA regulations and know if your business is affected.

• Protect your retirement by setting clear boundaries on family financial support.

• Understand and plan for inherited IRA rules to avoid hefty penalties.

Don’t miss this engaging episode—click to listen and get expert insights on protecting your wealth, planning smarter, and avoiding costly mistakes!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Discover How to Manage IRMAA, Avoid 401(k) Mistakes, and Make Your Giving Go Further!
Unlock the secrets to smarter financial planning in this week’s episode of Dollars & Sense with Joel Garris! Joel breaks down three hot topics that can impact your wealth and peace of mind:
* IRMAA & Medicare Premiums: Confused about why your Social Security check is smaller? Learn what IRMAA is, how it affects your Medicare costs, and practical steps to challenge higher premiums if your income has changed.

• Philanthropy—More Than Just Generosity: Discover why charitable giving is a powerful tool for tax savings, strengthening family bonds, and building a lasting legacy. Get actionable strategies to weave philanthropy into your financial plan and avoid common mistakes advisors make.

• 401(k) Rollovers Without Regrets: Considering a job change or retirement? Joel reveals the three most common (and costly) rollover mistakes—from missing deadlines to losing out on tax breaks—and how you can avoid them.

Packed with easy-to-follow tips, eye-opening stats, and essential action steps, this episode is a must-listen for anyone planning for retirement, thinking about their legacy, or wanting to make smarter money decisions for themselves and their family.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans.

Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you through seven crucial year-end tasks, including maximizing retirement contributions, using up your FSA, making charitable donations, and reviewing your health benefits—each step designed to help you avoid costly mistakes and make the most of your money.

Next, the show dives into one of the biggest gaps in personal finance: estate planning. Joel shares stories from his practice, highlighting how most estate plans are never fully implemented—leaving families vulnerable. He explains why simply signing documents isn’t enough, and outlines easy-to-follow steps (like titling assets correctly and regular reviews) so your legacy plan actually works for your loved ones.

But that’s not all! Joel also explores the “stealthy wealthy”—those quiet millionaires who build real, lasting wealth by shunning status symbols, driving practical cars, maximizing tax efficiency, budgeting diligently, and keeping their finances private. Want to know what they do differently? Joel breaks down the seven key habits that set them apart, with actionable tips you can use right now.
Whether you’re looking to finish the year strong, set up your family for success, or adopt the habits of the quietly wealthy, this episode delivers practical insights and real-life inspiration. Click to listen and learn how to avoid the traps, make smarter money moves, and secure your financial future!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Curious about the latest retirement updates and how to safeguard your finances in a digital world? In this engaging Thanksgiving episode of Dollars & Sense, hosts Joel Garris and Chet Cowart kick off with holiday traditions and a brief history of Thanksgiving, then dive into timely financial topics that matter to every listener.

The episode covers newly announced 2026 contribution limits for 401ks and IRAs, including special catch-up options for those nearing retirement age. Joel and Chet break down the key differences between traditional and Roth IRAs, sharing actionable advice for making the most of your retirement savings—whether you’re just starting out or preparing for your golden years.

Listeners also get a wake-up call about the billions lost in forgotten 401k accounts and learn practical strategies to track, consolidate, and grow their retirement funds. Plus, the show highlights the growing threat of AI-powered scams, revealing how deepfake technology is being used to impersonate financial icons like Warren Buffett. You’ll get essential tips to spot scam messages and protect your money from digital fraudsters.

The hosts wrap up with a step-by-step guide to optimizing your savings—from building an emergency fund to leveraging HSAs and brokerage accounts. Whether you’re planning your first investment or revisiting your retirement strategy, this episode is packed with expert insights to help you secure your financial future.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

In this episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries.

The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotlight on the team's annual food and toy drive. Joel and Kristin then break down the most impactful tax changes for the coming year, including a new $6,000 senior deduction, temporary exemptions for tips and overtime, expanded SALT deductions, and a car loan interest write-off. Clear income limits and practical advice make these updates easy to understand, and the hosts share candid insights about who benefits most and how to maximize your savings.

The episode’s second half zeroes in on retirement planning, focusing on how simple beneficiary mistakes can have dramatic financial consequences. Through real-life stories and actionable solutions, Joel and Kristin guide listeners through the top pitfalls—like neglecting beneficiary forms, naming estates instead of people, skipping contingent beneficiaries, and forgetting spousal waivers on 401(k)s. They emphasize the importance of regularly reviewing forms, keeping financial information organized, and preparing loved ones for the unexpected.

Listeners walk away with a checklist of practical tips: review beneficiary forms, never name your estate, list both primary and contingent heirs, complete new paperwork when transferring accounts, and keep spouses and trusts properly documented. The hosts round out the episode with heartfelt marital and financial advice—reminding couples to share knowledge, stay organized, and plan ahead for peace of mind.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

Welcome to this week’s Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today’s crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves.

First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon’s massive AI push could change the workforce as we know it. Is the AI hype the next tech bubble? Find out what you should be watching out for in your investment portfolio today!

Then, we jump into the “Rent vs. Buy” debate. With homeownership at historic lows for young people and investing on the rise, Joel explains the pros and cons, the real numbers, and the emotional side of these decisions. Are you better off staying a renter and investing the difference, or does owning your home still build the most wealth? Tune in for the surprising truths—and what most people are getting wrong.

Want actionable tips, expert insights, and honest answers to your biggest money questions? Watch now and get ahead of the curve! Don’t forget to like, subscribe, and hit the bell so you never miss an episode of Dollars & Sense!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

In this episode of Dollars & Sense, Joel Garris and Christina Lamb tackle two of the most pressing topics in personal finance: the power—and pitfalls—of leveraged ETFs, and the shifting wealth equation for young Americans deciding between renting or buying a home. Listeners will discover why leveraged exchange-traded funds can supercharge returns but demand careful strategy and constant attention, as Joel and Christina break down the pros, cons, and key takeaways for investors seeking higher stakes in the market.

The discussion then pivots to the rent vs. buy debate, exploring whether investing your cash as a renter might outpace the long-term gains of homeownership. It’s a data-driven look at how rising housing costs, changing economic trends, and the influence of social media are reshaping wealth-building decisions for Gen Z and millennials. Joel and Christina share real-world numbers, highlight crucial tax differences, and offer practical advice on making the best choice for your financial situation and life goals.

If you want to understand the risks and rewards of today’s investing landscape—from leveraged ETFs to smarter housing decisions—this episode delivers actionable insights and thought-provoking perspectives. Click to listen and discover how you can build wealth with confidence in a rapidly changing world!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

In this episode of Dollars & Sense with Joel Garris, listeners are treated to an insider’s perspective from a prestigious investment conference attended by just 100 select guests and hosted by one of the world’s largest asset managers. Joel kicks off with a deep dive into the hottest topic in finance—Artificial Intelligence (AI). He explores AI’s growing influence on investments, the labor market, and society, highlighting both its potential and the cautionary flags, such as possible overcapacity and the challenges it poses for younger generations.

Joel then shifts focus to three major investment themes: the importance of national security in shaping investment decisions, the surge of private equity and private credit for everyday investors, and the need for careful portfolio allocation to avoid hidden overconcentration in growth stocks.
Next, Joel breaks down everything you need to know about Required Minimum Distributions (RMDs)—from recent changes in age requirements to smart strategies for minimizing tax impact, including withholding and charitable giving. Whether you’re nearing retirement or already enjoying it, this segment offers actionable advice to keep your finances on track.

The episode also features a practical guide to Ladybird Deeds—an estate planning tool that helps homeowners transfer property to loved ones without the hassle of probate. Joel explains how Ladybird Deeds work, their advantages over traditional probate, and step-by-step instructions to implement this powerful tool.

Rounding out the show, Joel reviews the latest market headlines, including a strong start to earnings season and how AI-driven efficiencies are helping corporate America outperform expectations.

If you want to learn how AI is reshaping investments, the keys to managing your retirement withdrawals, and estate planning strategies that save time and money, this episode is packed with insights you won’t want to miss.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

In this can’t-miss episode of Dollars & Sense, hosts Joel Garris and Zach Keister tackle the timely topics reshaping America’s financial landscape. They kick off with a deep dive into tariffs—cutting through the headlines to reveal how the U.S. economy remains resilient, why the actual costs may be less than you think, and what you can do to protect your portfolio.

Next, they demystify the Great Wealth Transfer, exposing the gap between Gen Z’s inheritance expectations and the realities Baby Boomers face, from rising healthcare costs to shifting family values. You’ll hear practical advice and real-life stories that show how open conversations and professional planning can make all the difference.

Joel and Zach also explore the dynamics of staggered retirement—why most couples don’t retire at the same time, the financial benefits and emotional hurdles involved, and actionable strategies to help partners plan for this new reality. Drawing on client experiences and their “Next Gen Dollars and Sense” workbook, they share tips to help listeners budget smarter, communicate better, and turn uncertainty into opportunity.

Whether you’re worried about market volatility, planning for inheritance, or figuring out retirement timing with your spouse, this episode delivers step-by-step solutions, expert insights, and engaging banter.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

In this episode of Dollars & Sense, host Joel Garris breaks down the critical steps to "die better"—or at least be better prepared—by mastering the essentials of estate planning. Drawing from Chapter 19, "Death: The Other Certainty," of the Next Gen Dollars and Sense book, Joel shares practical advice to help listeners avoid common estate planning pitfalls and protect their loved ones. The episode highlights the different ways property transfers after death, including operation of law, operation of contract, and wills, explaining how each impacts your financial legacy.

Listeners will discover tips on titling property, the importance of beneficiary designations, and strategies for making the process smoother, such as using Transfer on Death (TOD) or Payable on Death (POD) addenda and understanding the use of ladybird deeds. With real-life scenarios and actionable guidance, this episode is a must-listen for anyone who wants to take control of their financial future and ensure their wishes are honored. Tune in to learn how proactive estate planning can ease the burden for your family and spark meaningful conversations around the holidays!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

n this episode of Dollars & Sense, hosts Kristin Castello and Chet Cowart dive into the hottest topics shaping your retirement future, including the latest proposed changes to 401k investment options and critical updates to catch-up contributions for those aged 50 and above. If you’re curious about how alternative investments like crypto and private equity might soon enter your 401k, or how upcoming tax regulations could affect high earners, this episode has the answers you need to stay ahead.
Kristin and Chet break down three main topics:
* Alternative Investments in 401ks: The current administration’s push to add new choices to your 401k sounds appealing, but comes with risks, fees, and potential complications. Learn how these changes could impact your account—and what history has taught us about “too good to be true” investments.

• Major Tax Changes for High Earners: Starting in 2026, those earning $145,000 or more must put catch-up contributions in Roth accounts, losing some valuable tax deductions. Find out who’s affected, what loopholes exist, and how to plan ahead to avoid nasty surprises on your tax bill.

• Consolidating Retirement Accounts: Should you roll your old 401ks and IRAs together? Get practical advice on direct transfers vs. 60-day rollovers, when consolidation makes sense, and which exceptions to watch out for—plus real-world client stories to illustrate what could go right or wrong.

With lively banter, relatable client examples, and clear calls to action, Kristin and Chet make complex financial changes easy to understand—and actionable. Whether you’re nearing retirement, a high earner facing new rules, or just looking to simplify your finances, you’ll come away with smarter strategies for protecting your nest egg.

Ready to take control of your retirement? Click to listen, get expert insights, and discover how Dollars & Sense can help you make the most of every opportunity—no matter where you are in your financial journey.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this engaging episode of Dollars & Sense with Joel Garris, listeners are taken on a journey through the fascinating world of old paper stock certificates and the essential steps to cashing in on these historical treasures. Did you know there could still be $780 billion in forgotten paper stocks out there? Joel explains how to uncover their value, navigate the process of redeeming them, and avoid leaving money on the table.

The conversation then shifts to the dream of early retirement. Joel breaks down the real-life factors that determine whether you can retire sooner than expected—including maintaining good health, managing family financial obligations, boosting your savings rate, diversifying your income streams, and eliminating debt. Through client stories and practical advice, he reveals how small steps today can lead to a comfortable tomorrow.

But that’s not all—this episode also unpacks the rising risks in today’s stock market. Joel highlights how market concentration in tech and AI, along with the dangers of groupthink, could threaten your portfolio. He stresses the importance of diversification and regularly reviewing your risk profile to avoid unexpected pitfalls.

Ready to discover hidden wealth, take charge of your retirement, and protect your investments? Tune in to this episode of Dollars & Sense for insights you won’t want to miss!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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In this episode of Dollars & Sense, Joel Garris and Rob Field take listeners on a practical journey through two crucial areas that impact your wallet—Medicare Advantage and the financial aftermath of divorce. Joel shares real-life insights about enrolling in Medicare Advantage plans, revealing common myths, what to watch out for during the enrollment period, and how to avoid costly mistakes. The duo also dives into the often-overlooked pitfalls of divorce finances, outlining typical errors like overspending, missing hidden assets, and letting emotions drive decisions.

With relatable stories and expert advice, Joel and Rob break down why it pays to be proactive in both your healthcare and financial planning. If you want to learn how to protect your assets, sidestep common traps, and get the most out of your hard-earned money, click to listen and discover how to make smarter, more confident choices for your future!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Ready to take control of your finances and break free from the mental traps that sabotage your savings? In this episode of Dollars & Sense, hosts Joel Garris and Zach Keister share their expert advice on building stronger personal financial habits, including face-the-numbers budgeting and the power of automating savings. But they don't stop there—they dive deep into the surprising ways your mind can trick you through cognitive biases, revealing how illusions of control, hindsight, anchoring, and recency bias can derail even the best financial plans.

From actionable tips like the 50/30/20 rule and crafting an emergency fund, to fascinating real-world stories of clients who overcame credit hurdles, this episode is packed with insights for listeners at every stage of their financial journey. Joel and Zach break down the psychology behind money decisions, offering easy-to-follow strategies to help you stay focused, avoid costly mistakes, and make the most of your hard-earned dollars.

Curious about how to protect your investments, boost your financial confidence, and outsmart the common biases holding you back? Click to listen and empower yourself with the tools and wisdom to achieve lasting financial wellbeing—and maybe even learn how to make your favorite cocktail along the way!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Are you prepared to safeguard your financial future and tackle the challenges of estate settlement? In this episode of Dollars & Sense, we dive deep into the essentials of risk management—from understanding investment volatility to balancing risk and reward for lasting financial health. Discover practical strategies like diversification, setting clear financial goals, and building emergency funds to protect what matters most.

But that’s not all! We also unravel the complexities behind estate planning and the often-thankless role of the executor. Learn how to avoid common pitfalls, reduce family conflicts, and streamline the process for a smooth transition of assets. Packed with insights from the acclaimed "Dollars and Sense" and "Next Gen Dollars and Sense" books, this episode equips you with actionable tips to take charge of your finances and confidently navigate life's big transitions.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Ready to supercharge your retirement strategy? In this episode of "Dollars and Sense," host Joel Garris tackles two of the biggest questions facing today's retirees: how to check off the 5 essential boxes for early retirement, and how to demystify Required Minimum Distributions (RMDs) so you can keep more of what you’ve earned.

Discover the crucial steps you must take if you’re dreaming of leaving the workforce before age 65 — from navigating health insurance to maximizing your retirement contributions, deciding the best time to claim Social Security, and the importance of vanquishing high-interest debt. Then, get the inside scoop on RMDs: what they are, why they matter, how rule changes could impact your withdrawal strategy, and smart ways to avoid costly tax surprises.

If you want to retire with confidence, avoid common pitfalls, and make sense of the latest financial rules, this episode delivers expert advice, practical tips, and a lively conversation designed to empower your financial future. Tune in now and set yourself up for retirement success!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Ready to make the most of your taxes in 2025 and beyond? In this value-packed episode of Dollar & Sense, Joel and Kristin break down the latest game-changing updates to tax deductions, with a spotlight on the new senior deduction and major changes for charitable contributions. Discover how seniors can benefit from a $6,000 deduction—even if they're not yet on Social Security—and learn the income thresholds you need to know to qualify.

The hosts also unravel the new opportunities for charitable giving, including a $1,000 deduction for everyone, the upcoming AGI floor of 0.5% for itemized deductions, and smart strategies to maximize your benefits before the rules shift in 2026. From increased state and local tax caps to permanent bonus depreciation for businesses, this episode is full of essential tips for making the most of your money at tax time. Tune in and get ahead of your financial game—your future self will thank you!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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On this episode of Dollar & Sense, hosts Joel and Chet dive into two hot topics that are reshaping financial futures: the rising cost of college and the common fear of investing. Whether you’re sending kids back to school or gearing up for your own academic journey, you’ll get eye-opening insights into how families are really paying for higher education—and smart alternatives that can save you from years of debt.

But that’s not all! If you (or someone you know) are hesitant to put money into the stock market, this episode breaks down why waiting for the “right time” to invest is often the wrong move. With real-world examples, fresh data, and engaging banter, Joel and Chet reveal how starting early and sticking to a plan can make a huge difference—whether you’re saving for college or retirement.

Don’t miss practical tips on tax-advantaged savings accounts, the truth behind inflation and interest rates, and a behind-the-scenes look at how Dollar & Sense became one of Feedspot’s top financial podcasts. Tune in and get inspired to take action for your financial future!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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This episode of Dollars & Sense puts the spotlight on the economic headlines shaping your future. Get an insider’s look at the landmark OBBB tax bill, including powerful updates like “Trump accounts,” zero tax on tips and overtime, and a fresh car loan deduction. Our experts break down the practical impact of these changes on everyday finances, revealing who stands to benefit and how.

We also analyze the latest economic data, from surprising unemployment trends and Federal Reserve rate decisions to rising health insurance costs and how corporate America is navigating volatility. Understand the forces driving the markets, and pick up actionable tips to stay ahead through 2025’s evolving financial landscape.

If you want to know how new tax rules and market shifts could affect your money—and what you can do about it—don’t miss this episode. Tune in now for thoughtful analysis, fearless forecasts, and the guidance you need to make smarter financial decisions with Dollars & Sense!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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Ready to outsmart the latest financial fads and futureproof your family’s well-being? This episode of Dollar & Sense is packed with candid truth and practical guidance you won’t want to miss.

We pull back the curtain on the buzz around private equity—why are financial giants suddenly pushing these investments, and what’s lurking in the fine print? Discover the hidden risks, high fees, and pitfalls most investors overlook, plus learn how to spot red flags before your savings get locked away. If you want to stay a step ahead of Wall Street, this is essential listening.

But there’s more: As Alzheimer’s and dementia diagnoses rise, protecting yourself and your loved ones is more crucial than ever. We share real-life stories and direct advice on the four areas every family must address—from legal docs to money management, home decisions, and digital safety. Make sure you’re prepared before life throws you a curveball.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

This week, hosts Zach and Christina bring their signature blend of expertise and energy to help you navigate some of the hottest financial topics of the season.

From family adventures to the practical impact of new tariffs hitting on August 1st, you’ll hear personal anecdotes and professional guidance that make complex policies easy to understand. Discover how the latest tariff changes could affect your wallet, business, and even your next shopping trip.

Then, take a deep dive into the much-anticipated One Big Beautiful Tax Bill. Zach and Christina break down the key updates, including major changes to the standard deduction, child tax credit, SALT deduction, tips and overtime income, and new rules for charitable and car loan interest deductions. Curious about how seniors and tip earners fare under the new law? They’ve got the answers—and plenty of real-life examples to keep things lively!

Plus, don’t miss their 4 essential questions for reviewing your investment statements. With practical tips on evaluating fees, portfolio allocation, and keeping your accounts up to date, this episode ensures you’re not leaving money—or peace of mind—on the table.

If you’re looking for smart financial strategies, engaging banter, and clear explanations of today’s most important money topics, this episode is a must-listen. Tune in for expert advice, a few laughs, and actionable insights you can use right now!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

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We break down the wild swings of Q2 2025 markets (did you know it was the first time since 1938 the S&P 500 was both up AND down 10%+ in a single quarter?! 🤯), explain what the massive new tax bill really means for your wallet (spoiler: most 2017 tax cuts are here to stay 🏛️💸), and dive into the 10 ways to fail at retirement—based on the latest AARP insights. Are you ready to dodge the biggest hazards to your money, health, and happiness?

Plus: key stats, smart portfolio strategies, and the essential conversations you need before you retire. Whether you’re investing, planning, or just want to stay ahead of the game, this episode is for you!
Listen now for actionable advice, surprising facts, and all the numbers you need to know to make the most of your money.

TaxPlanning #RetirementReady #MarketUpdate #FinancialWellness #DollarsAndSense #AARP #InvestSmart #PersonalFinance #TaxBill #RetirementTips #MoneyMatters 💰📊🧓

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

In this insightful episode of "Dollars & Sense," we dive into three financial topics that resonate with many of us. First, we explore the journey of setting up a business, breaking down the common pitfalls, hidden costs, and strategic choices that can make or break your entrepreneurial success. Whether you're launching your first startup or considering a side hustle, these tips will save you time, money, and frustration. 💼📄

Next, we uncover surprising truths about retirement planning, revealing insights from a JP Morgan study about spending patterns among retirees. Learn why inflation might not be as big of a worry as you think, what temporary spending surges mean, and how tailoring your financial strategy to fit your unique lifestyle can make retirement planning less daunting. 🏖️📈

And for parents with young adult grads struggling to find their footing, we tackle strategies to provide support without sacrificing your own financial future. From setting realistic support budgets to fostering open communication, this segment offers practical advice for navigating intergenerational financial challenges. 👨‍👩‍👧‍👦💵

Don’t miss these actionable tips, expert analysis, and relatable scenarios that make Dollars & Sense your go-to podcast for financial wisdom. Hit play and start planning smarter today! 🎙️✨

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

Hosts Rob Field and Kristin Castello share practical insights on evaluating real estate as a passive income stream—covering the numbers, the pitfalls, and common misconceptions from rapid home appreciation during the pandemic years. Learn about the true costs, time commitments, and the less obvious tax implications of rental ownership, including depreciation, passive loss rules, and how to plan for those tricky negative returns.

Switching gears, the show breaks down the recent surge in Social Security retirement claims, explores the impact of the 2025 Fairness Act, and discusses strategies current and future retirees can adopt as the trust fund faces depletion. The hosts emphasize that Social Security alone may not be enough for a comfortable retirement, stressing the need for comprehensive planning that considers mental and emotional readiness alongside financial security.

This episode is packed with knowledge for anyone considering real estate investment or concerned about their retirement outlook in a changing economic landscape.

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

On this episode of Dollars & Sense, Joel and Zach dive into two critical financial topics you don’t want to miss!

First, they break down the latest Social Security updates, including why benefits might be reduced sooner than expected and what you can do to prepare. Then, they reveal four sneaky ways you might be spending money without even realizing it—from autopay subscriptions to those tempting impulse purchases. 💳💡

💥 Plus, we explore how political opinions impact investing decisions and share practical tips to rethink your money habits for big savings. Don’t let FOMO or outdated strategies drain your finances! 🛑💰

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

On this week's episode of Dollars & Sense, we dive into two hot financial topics that could impact your wallet and your future investments!
* Model Portfolios: Did you know assets in model portfolios surged to a record $8 trillion this year? Find out the pros and cons of these pre-packaged investment options and why you need to ask your financial advisor the right questions to truly know what you own. Are these portfolios helping you grow your money—or just serving the institutions?

• 529 College Savings Plans: There's groundbreaking news on the horizon! Proposed expansions could allow 529 funds to cover more educational expenses, from tutoring fees to curriculum materials and even SAT tests. Learn how these changes may offer greater flexibility and reassurance for parents and grandparents saving for their loved ones' education.

💡 Key Takeaways: The importance of understanding your investments, the potential pitfalls of one-size-fits-all solutions, and how new legislative changes could reshape education savings plans. Whether you're a savvy investor or a concerned parent, there's something for you in this episode!

🎧 Tune in now to stay informed and make confident financial decisions. Your money matters!

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

➡️ CONNECT WITH US:
Facebook: /NelsonFinancialPlanning
Twitter: /nelsonfinplan
Instagram: /nelson_financial_planning
YouTube: @nelsonfinancialplanning2202

View Details

his week’s episode of the Dollars & Sense Financial Podcast dives deep into two crucial financial topics: the emotional and logistical challenges of retirement and the shifting dynamics of the housing market. Hosts Joel Garris and Chet Cowart explore the often-overlooked aspects of retirement, from combating loneliness to crafting a meaningful routine. They also analyze the current real estate landscape, highlighting the imbalance between buyers and sellers and offering actionable advice on mortgages, loan terms, and navigating interest rates.

Whether you’re approaching retirement or considering a home purchase, this episode is packed with expert insights and practical advice to help you make informed decisions. Joel and Chet provide real-world examples, discuss pivotal statistics, and offer solutions that go beyond the numbers, emphasizing the importance of personal conversations in financial planning.

🎙️ Tune in for valuable tips and relatable anecdotes that shed light on these pressing financial matters.

💡 Key Topics:
* Retirement challenges: loneliness, self-worth, emotional toll, and the need for a routine

• Housing market trends: buyer-seller gap, mortgage tips, interest rates, and loan-to-value considerations

🌟 Highlights:
* 2/3 of retirees experience struggles transitioning to retirement

• Current housing market gap: 1.9 million sellers vs. 1.5 million buyers

• Consumer prices rose just 0.1% in May, defying inflation fears

RetirementPlanning 🏖️ #HousingMarket 🏠 #FinancialFreedom 💵 #MortgageTips 🎧 #MoneyMatters ⚖️

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In this episode of the Dollars & Sense Financial Podcast, host Joel Garris dives into two essential and often overlooked topics: how to discuss finances with your kids and how to prepare for the survivor’s penalty when losing a partner. 💬💰

Joel begins by addressing the taboo nature of financial conversations within families. He highlights the importance of teaching the next generation about money management, providing practical tips like clearing the air, seeking quality educational resources, and clarifying expectations. He also shares stories from his experience at NFP, emphasizing how early conversations can prevent poor financial decisions and foster financial independence. 📚👨‍👩‍👧‍👦

The conversation then shifts to the financial challenges faced after losing a spouse, often referred to as the "survivor’s penalty." Joel explains both the immediate impact of income loss and the delayed effect of higher taxes due to a shift to single filing status. He stresses the importance of forward planning, from income strategies to multi-year tax projections, to minimize the financial burden during an already difficult time. 🕊️📊

FinancialPlanning #MoneyTalks #FamilyFinance #SurvivorsPenalty #DollarsAndSensePodcast #JoelGarris #MoneyMatters 💵📈

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Looking to unlock the secret to millionaire status while keeping your investments on track? This week's episode of Dollars & Sense dives into the surprising path most U.S. millionaires take—hint: it’s not a get-rich-quick scheme—and reveals how consistent retirement contributions can transform your financial future. 💵💡

Plus, we’re tackling the essentials of portfolio rebalancing! Learn when and why it’s time to adjust your investments to stay aligned with your goals, avoid tax surprises, and optimize your returns. Whether you're navigating life changes or market shifts, we've got practical tips to keep you ahead. 🔄📊

Stay tuned for insights on sneaky retirement expenses, the truth about real estate vs. stocks, and much more. Don’t miss this episode—it could change your financial game forever! 🏆✨

DollarsAndSense #MillionaireMindset #RetirementSavings #PortfolioRebalancing #FinancialFreedom #MoneyTips #InvestingSmart #WealthBuilding #FinanceGoals

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Ready for some 🔥 financial updates? In this episode of the Dollars and Sense podcast, Kristin Castello and Chet Cowart dive deep into two major conversations affecting your wallet:

💸 Student Loans in Collections: Millions of borrowers are facing collections and garnished wages as repayment policies resume. Find out how to navigate these challenges and plan ahead for your financial future.
📊 Tax Changes on the Horizon: Will Trump’s 2017 Tax Cuts and Jobs Act expire? Or will new provisions, including deductions for tips, overtime, and senior benefits, take center stage? Get the scoop on potential tax changes and how they could impact you and your business.

Don't miss this insightful episode packed with practical advice, real talk, and expert tips from our guest hosts. Tune in now to stay informed and empowered!

📢Got questions, comments, or a topic you'd like us to discuss? Don't hesitate to reach out—we’re here to help!

DollarSensePodcast #StudentLoans #TaxUpdates #FinancialTips #MoneyMatters #PodcastEpisode #FinanceGoals 🎧✨

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Join us on this week's episode of Dollars & Sense for some insightful discussions about the investments you should be cautious about and the important moments to update your estate plan. 💼📈

We kick off the episode with an in-depth look at hedge funds and ETFs, highlighting their potential pitfalls. Did you know that hedge funds can be highly leveraged and come with hefty management fees that eat into your returns? 🧮📉 Learn how these investments might not be as beneficial as they seem and what you can do to safeguard your portfolio. 🌐📊

Next, we delve into the importance of updating your estate plan. Life is full of changes, and your estate plan should reflect that. Whether it's a change in marital status, a major life event for a beneficiary, or moving to a new state or country, keeping your estate plan up-to-date ensures that your wishes are accurately represented. 📜🖋️ Discover the key moments when revisiting your estate documents is crucial, and get tips on making the process smoother and more comprehensive. 🌟🏡

InvestingWisely #EstatePlanning #FinancialAdvice #HedgeFunds #ETFs #PlanningAhead #FinanceTips #PodcastEpisode #Mother'sDay #InterestRates #Tariffs

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In this episode of Dollars & Sense, financial expert hosts Joel and Christina delve into the complexities of tax season and share the top 10 tax trouble spots that individuals face. They discuss critical issues such as the taxation of social security, where increased income can lead to higher taxes on these benefits, and the Premium Tax Credit (PTC) recapture related to the Affordable Care Act, which can result in significant repayments if income approximations are incorrect.

💰 The hosts also highlight recent significant corporate earnings, noting that companies like Microsoft and Facebook have reported impressive growth, which impacts investors' portfolios and tax liabilities. Joel and Christina emphasize the importance of understanding how capital gains, dividends, and interest income can affect overall tax obligations.

🎁 Joel shares insights from his recent speech at a planned giving luncheon hosted by Heart of Florida United Way. The duo explains 8 strategies for successful charitable giving, including writing checks, making qualified charitable distributions (QCDs) from retirement accounts, gifting appreciated assets to avoid capital gains taxes, and utilizing donor-advised funds (DAFs) for flexible long-term giving. They also discuss the benefits of direct bequests and the use of private family foundations for sharing philanthropic values with the next generation.

📈 Joel and Christina provide valuable tips for efficient financial planning, emphasizing the importance of having a formal plan to safeguard and grow wealth. Individuals with a financial plan are significantly better prepared for retirement.

Tune in for practical advice to navigate tax regulations, maximize your charitable contributions, and achieve long-term financial success.

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📈💰 In this week's episode of Dollars & Sense, we dive deep into the importance of math when making investment decisions. Learn how accurate calculations can make or break your financial future. 🤔💡 We share a specific example of a costly mistake made when not performing basic math before investing. Discover how proper math can reveal true rates of return and help you make wiser choices. 🧮📊

Plus, we explore the great wealth transfer expected over the next 20 years, where nearly $73 trillion will be passed from the older generation to the next. 🏦📜 Get essential tips to ensure a smooth transition, including having your paperwork in order, regularly reviewing your plans, seeking professional advice, and clear communication with beneficiaries. 💼📑

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🚀 Dive into this week's episode where we cover EVERYTHING from volatile markets 📈 to savvy pet financial planning 🐶🐱, and the secret sauce to a successful retirement! 🏖️

🔥 Key insights:
* The alarming rise of market volatility and investor sentiment. 📊 * Protecting and preparing for your pets in case of your untimely demise. 🐾 * Why having a formal financial plan can make a HUGE difference in your wealth at retirement. 🏆

📅 Plus, we discuss the exciting news of our book Next Gen’s Dollars And Sense being featured at the Los Angeles Times Festival of Books! 📚✨

Tune in now for expert advice and practical tips that you can implement today! 🎧💡

FinancialPodcast #RetirementPlanning #PetCare #MarketVolatility #FinancialLiteracy #BookFestival #LosAngelesTimes #NextGenDollarsAndSense #WealthManagement #ExpertAdvice #SavvyInvesting #FinancialGoals #WeLoveOurPets

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This week's episode of Dollars & Sense dives deep into the latest market developments following President Trump's suspension of tariffs, showcasing an unprecedented surge in the Dow, SP500, and Nasdaq. Hosts Rob Field and Joel Garris delve into the historical significance of such market swings and emphasize the importance of maintaining a consistent investment strategy amidst volatility.

The episode also covers significant changes to the Social Security Windfall Elimination Provision, highlighting the positive impact on public employees like teachers, firefighters, and police officers. Stay tuned for insights and expert advice on navigating the financial landscape!

DollarsAndSense #MarketNews #SocialSecurity #InvestmentTips #FinancialPlanning

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🎙️ Financial experts, Joel and Chet, discuss the complexities of market volatility and uncover the '7 Deadly Investing Sins.' 🏦💼 Learn how to stay ahead in unpredictable times and make smart investment choices. Chet and Joel will guide you through the importance of diversification, consistency in investment strategies, and managing media consumption. 📉📰

We also discuss the impact of recent tariff announcements and tax deadlines on investment decisions. 📊💸 This episode is packed with valuable insights on how to navigate through market turbulence and ensure your investments are resilient. Don't miss this insightful discussion with Chet and Joel!

MarketVolatility #InvestmentTips #DollarsAndSensePodcast #Finance #Investing #MoneyManagement 💰📈

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🔊 Tune in to this week's episode of Dollars & Sense where we dive into the latest market trends 📊 and essential tax tips 💸! Discover how the "Mag 7" stocks' performance impacts your portfolio and get ready for the new 1099-K reporting requirements. Plus, learn smart strategies to navigate Social Security taxation and optimize your tax returns! Don't miss out on these valuable insights! 🎧✨

DollarsAndSense #MarketTrends #TaxTips #InvestSmart #RetirementPlanning #FinancialFreedom #TaxSeason #Investing #PersonalFinance

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In our latest episode, we dive into the complexities of tariffs and their impact on global trade 🌍, as well as the future of Social Security 📅. With trade deficits at $1.1 trillion and ongoing debates about protectionist measures, it's crucial to stay informed on how these changes affect your investments 💰. Plus, we touch on potential reforms to Social Security and what that means for future generations. Tune in for insights on how to navigate these economic shifts! 📈

Economy #Investing #TradeWar #SocialSecurity #FinancialPlanning #Podcast 🎙️

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In this week's episode of Dollars & Sense, key strategies for protecting yourself from tax identity theft and tips for navigating investment taxes were discussed.
Tax Identity Theft Prevention
* Understanding Tax Identity Theft: A fraudster uses personal information to file a fake tax return and claim a refund.

• Get an IP PIN: Apply for a six-digit Identity Protection Personal Identification Number (IP PIN) from the IRS to prevent fraud.

• Prove Your Identity: Use ID.me to verify identity - submit name, address, and driver's license photo.

• Stay Updated: Once you have an IP PIN, it is automatically renewed annually in your online IRS account.

Investment Tax Management
* Capital Gains Tax: Lower tax rates apply if assets are held for over a year before selling.

• Dividend Tax: Qualified dividends receive lower tax rates if stocks are held for specified periods.

• Retirement Account Withdrawals: Withdrawals before age 59½ incur additional tax penalties unless exceptions are claimed.

• Home Sale Tax: Exclude up to $250,000 for singles and $500,000 for couples from capital gains if lived in the home as primary residence for at least 24 months within a 60-month period.

• Timing Matters: Understanding timing rules is crucial for minimizing taxes on various investments.

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In this episode of Dollars & Sense, hosts Joel Garris and Zach Keister delve into the recent market volatility and its impact on investment portfolios. They emphasize the importance of reviewing one's portfolio and maintaining a balance between conservative and growth-oriented investments to weather the storm of market fluctuations.

Additionally, the episode explores five financial red flags in relationships and how to address them. These red flags include secretive spending, borrowing from friends and family, gambling and addictive behaviors, lack of future financial planning, and excessive debt. Joel and Zach stress the importance of open communication and financial transparency between partners to ensure a healthy financial relationship.

MarketVolatility #RetirementPlanning #FinancialRedFlags #InvestmentTips #DollarsAndSensePodcast 🎙️💰📈

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Ready to optimize your retirement and stay ahead of new scams? In this week's episode of Dollars & Sense, Joel goes over creating a tax plan that can save you money in retirement. 🤑 Plus, learn about the frightening rise of AI-powered scams and how to protect your assets from these sophisticated threats. 🛡️

Tune in for essential tips and insights! 🎥👇

RetirementPlanning #TaxTips #AIScams #FinancialSecurity #DollarsAndSense #StaySafe #InvestSmart 💡

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In this episode of Dollars & Sense, Joel and Rob dive deep into the world of annuities. They break down the complexities, from guaranteed incomes to the hidden fees that could affect your investments. You'll also hear about the dramatic increase in annuity sales and what it means for potential investors. Plus, they share some exciting news about their book being featured at the LA Times Festival of Books! 📚🎉

The episode also covers:
- The real estate market trends 🏠📉
- Beneficial Ownership Information Reporting updates 📋📅
- The importance of flexibility in investment accounts 💼💡
- Making the most of your savings for big events like weddings 💍💸

Don't miss out on this informative session filled with valuable insights and practical advice to help you navigate your financial journey!

DollarsAndSense #FinancePodcast #Annuities #InvestmentTips #FinancialPlanning #RealEstate #BOI #LATimesFestival #WeddingPlanning #InvestSmart #FinancialFreedom #MoneyMatters 💰📈✨
Listen now and stay financially savvy! 🎧🔊

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Joel will delve into the unique financial and health challenges men face in retirement. From the importance of mental health to navigating healthcare and maintaining physical fitness, we cover critical topics that impact the quality of life for retired men. We also discuss how to prepare for these challenges, including tips on financial planning and maximizing Social Security benefits.

Discover how your home can be a powerful tool for reducing your tax bill! 🏠💰 We break down the key benefits and credits available to homeowners, from mortgage interest deductions to state and local tax (SALT) caps. Learn about the home office deduction for the self-employed, energy-efficient improvements, and the substantial capital gains exclusion when selling your primary residence. Maximize your savings and make the most of your investment. Don't miss out on these essential tips! #TaxSavings #HomeOwnership #FinancialTips #DollarAndSense #TaxCredits #HomeOffice #EnergyEfficiency #RealEstate

Don't miss our insights and practical advice to ensure a comfortable and fulfilling retirement.

#RetirementPlanning #MenHealth #FinancialAdvice #DollarAndSense #RetirementGoals #MentalHealthAwareness #StayActive

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Join Joel and special guest Christina Lamb, a fellow CFF and IRS enrolled agent, on the latest episode of Dollars & Sense. They dive into 5 early tax season trends that are impacting tax returns this year. Plus, they debunk some of the most common retirement myths. Whether you're prepping for tax season or planning for retirement, you won't want to miss this insightful discussion! 💼💰 #DollarsAndSense #Podcast #TaxSeason #RetirementPlanning #FinanceTips #TaxTrends #IRS #FinancialAdvice #NewEpisode

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🎙️ In this episode of Dollars & Sense, Joel dives into the latest headlines about Chinese AI developments and shares essential tips to help you avoid common retirement missteps. 💡

Tune in to discover how to overcome biases when starting your wealth accumulation journey and learn about the pitfalls many face on their way to a secure retirement. 💰

Don't miss out on this insightful discussion to ensure a financially stable future! 📈

RetirementPlanning #WealthManagement #FinancialFreedom #DollarsAndSense #Podcast #AI #InvestmentTips #SecureFuture

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Join guest hosts and financial experts Chet Cowart and Kristin Castello as they outline the big tax changes coming in 2025 on this episode of the Dollars & Sense Podcast! 🎙️

🗓️ Find out how the end of the Tax Cuts and Jobs Act will impact your tax rates and deductions. Plus, they break down the new catch-up contributions for retirement plans and HSAs, making saving a bit easier for everyone.
💡 Get the scoop on the new $600 threshold for Form 1099-K reporting, which could affect your online transactions. Plus, explore the fresh Roth options for employer matches and retirement plans.

Stay informed and ready for 2025 with Chet and Kristin!

TaxChanges2025 #FinancialPlanning #DollarsAndSensePodcast 🎧💰

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In this episode of Dollars & Sense, Joel dives into the recent uptick in market volatility as 2025 kicks off. 📈 How does this tie into the latest economic data? And what might the Federal Reserve do next? 🤔 Joel breaks it all down and shares valuable insights.

But that's not all! For those thinking about or already in retirement, Joel offers expert advice on setting up a successful consulting business. 🌟 Discover the strategies you need to thrive in your golden years. 🌼

Tune in for an episode packed with practical tips and forward-looking analysis! 🎧

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Zach Keister joins Joel Garris for an in-depth discussion on the essential tools you need to achieve your financial goals successfully. 💼 They explore the serious consequences of improper budgeting and offer insights on how to avoid common pitfalls. 📊💡

Moreover, they delve into the latest legal developments regarding the necessity of putting your will into writing. 📜✔️ Don't miss their analysis on those peculiar unclaimed asset letters – are they legitimate? 🤔 Learn how to prevent your accounts from becoming abandoned property. 🔍💸

This episode is packed with valuable information you won't want to miss!

FinanceGoals #BudgetingTips #PodcastLife #DollarsAndSense 🎧💰

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Join Joel in this insightful episode of Dollars and Sense as he lays out the top financial resolutions for the new year and provides practical tips on how to achieve them. 💰 Learn about the major investment themes for 2025 and how they might impact your money.

✈️And did you get the gift of travel? Joel reviews new travel requirements and what you need to do if you plan to travel abroad. 🌍

Don't miss this episode packed with valuable advice to help you navigate the financial landscape in 2025. 📆💡

Finance #Investment2025 #TravelTips #FinancialResolutions #DollarsAndSense

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Join us for the final episode of Dollars & Sense in 2024 with your host, Joel Garris! 📈🔍

In this special wrap-up, Joel revisits his market predictions from a year ago—did he hit the mark? 🎯 He also shares his fearless forecast for 2025, giving you insights on what to watch out for. 📅📊

Plus, we'll explore the major headlines that influenced your finances this year and discuss the challenges ahead. Despite the uncertainties, Joel remains optimistic and explains why you should be too. 🌟💼

Don't miss out on this insightful episode packed with financial wisdom and a look towards the future! 📻📈

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🎙️ Welcome to a special episode of Dollars & Sense with guest hosts Rob Field and Christina Lamb! 💰

In this exciting episode, our financial experts delve into the fascinating relationship between Money and Happiness. They'll discuss how effective budgeting can relieve stress and share valuable tips on forecasting your cash flow for a worry-free retirement.

Rob and Christina are also bringing their love for acronyms with them, introducing the innovative B.U.D.G.E.T.S. system to simplify your financial planning! 🏦

Tune in to get practical insights, actionable advice, and a fresh perspective on managing your finances. Don't miss out on this opportunity to enhance your financial well-being!

DollarsAndSense #MoneyTalks #FinancialFreedom #BudgetingTips #RetirementPlanning #FinancePodcast 🎧

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On this week’s program, Joel provides updates on the suspension on the Beneficial Ownership Report obligation that was due to be required at year end for small businesses.

In addition, he shares the latest studies on investor performance in a post covid world on the 5th anniversary on Covid 19.

Joel covers some of the common financial mistakes that grandparents might make with their grandchildren. And what tax implications might be involved with gifting cash?

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Join Joel Garris and guest host Chet Cowart on this episode of Dollars & Sense! 💵 They're diving into the uptick in financial scams during the holiday season 🎄🔍 and sharing important tips on how to protect yourself and your loved ones. Don't miss their invaluable advice on simplifying your estate planning to reduce stress for your beneficiaries 📝💡

📈 Learn how to safeguard your finances and make savvy decisions!

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This week on Dollars & Sense, Joel dives into some hot topics you won't want to miss! 🔥

💼 Joel shares cautious optimism about rate cuts during market highs. 📈
📑 The Corporate Transparency Act's impact on small businesses. 🏢
💡 Debunking watered-down info on Roth conversions online. 💻
💰 Traditional IRA vs Roth IRA—Joel explains tax advantages from real client experiences. 💵

Plus, get the lowdown on filing beneficial ownership interest reports and everything you need to know about Roth conversions! 📊🔍

Tune in now for smart money moves and insightful advice! 🎧 #NelsonFinancialValues #DollarsAndSense #Finance #Investing #TaxPlanning #SmallBusiness #IRAs #RothConversion #MoneyMatters

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🎙️📈 Join Joel in a deep dive into the potential impact of the current political climate on tax and retirement changes. With expert insight and astute analysis, we explore what the recent election results mean for your finances, empowering you to make informed decisions for your future.   But that's not all – we also explore the fascinating world of cognitive biases and how they can influence our financial decision-making. Discover actionable strategies to overcome these biases and achieve your investment goals with confidence and clarity. And as if that wasn't enough, we unveil legislative changes on the horizon for 2025, including the exciting realm of catch-up contributions. Joel leaves no stone unturned as he paints a comprehensive picture of what's to come and how you can prepare. With topics ranging from the presidential election to federal reserve meetings, this episode is a not-to-be-missed treasure trove of knowledge and actionable insights. Lean in as we uncover the dynamics shaping your financial landscape and equip you with the tools to navigate it skillfully. Tune in now to gain a competitive edge in your financial journey and set the stage for a prosperous future. Let's make informed decisions and unlock our full financial potential together! 📈💼

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🚀🎙️ New Episode Alert! 🎙️🚀 In this special Election Edition of Dollars & Sense, Joel reviews his 2025 predictions and shares insights on how the upcoming election might shape up. 🗳️✨ 👀 What to expect: 1️⃣ How did Joel’s 2024 predictions hold up? 📅 2️⃣ The impact of politics on markets and investing tips during election uncertainty 📉💡 3️⃣ IRS updates on tax brackets and upcoming tax changes 💰📝 Get ready for a deep dive into the history of election years, market trends, and important tax updates. Tune in now to stay informed and make savvy financial decisions! 🎧💼 #DollarsAndSense #Election2025 #MarketTrends #InvestSmart #TaxUpdates #FinancialWisdom #JoelSpeaks #PodcastAlert #StayInformed

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🎙️Join us on this episode of Dollars & Sense as Zach Keister and Joel Garris dive into the crucial questions every couple should ask about their finances. 💑💸 Plus, uncover the risks of storing your money in cash apps and gift cards, especially with the holiday season around the corner. 🎁📱 Don't miss out on essential tips to keep your estate plan up-to-date with the latest laws. 🏠📜 #NelsonFinancialValues #FinancialPlanning #EstatePlanning #HolidaySpending #DollarsAndSense #Podcast

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📈✨ In this week's episode, Joel recaps some of the latest investment insights fresh from his Los Angeles trip, where he met with top institutional investors. 🌟 Plus, get Joel's top tips on balancing your investments while being an effective caregiver—a must-hear for many in their 50s! 💡 And don't miss the three essential steps to boost your investment performance and close that pesky performance gap. Tune in now for insights that can transform your financial future! 🎧💰#NelsonFinancialValues #InvestSmart #CaregiverTips #FinancialFreedom

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Joel delves into the complexities of passing assets from one generation to the next and emphasizes the importance of good estate planning to mitigate these issues with 4 essential questions needed to kickstart a successful estate plan. He also highlights the staggering number of forgotten 401(k) accounts, estimated to be around 24 million, and outlines steps to track down and take control of these accounts, ensuring that no retirement funds are left behind. Joel addresses the issue of IRS refund checks being stolen in the mail and provides tips on how to avoid this problem with a small but impactful choice that can streamline your financial transactions and bring ease to your financial life. #NelsonFinancialValues #IRSRefund #EstatePlanning #TaxTips #FinancialSecurity #401k

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In this episode, our hosts, Christina Lamb and Joel Garris, dive deep into a troubling study that sheds light on a common financial pitfall – the cycle of rolling over investments without realizing they often end up stagnating in cash. In addition, Joel and Christina recap the market’s performance for the first three quarters of the year plus talk about some of the core beliefs people have about money and how they can impact some of your financial decisions -- how to identify and resolve your unhealthy financial behaviors. #NelsonFinancialValues #StockMarket #Investing #MoneyManagement

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🎙️💡 In this episode of Dollars & Sense, Joel delves into the concept of reinvestment risk with CDs ahead of the "maturity tsunami" over the next year. 🌊💰 He also sheds light on how potential changes in tax policies under the next president could add further complexity to our tax system. 🏛️💸 Additionally, Joel shares three practical steps to help you catch up if you feel behind in your retirement planning, providing a roadmap to secure your financial future. 🛤️🌟 #FinancialPlanning #TaxPolicy #RetirementPreparedness #ExpertAdvice #DollarsAndSense

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Check out the latest episode of Dollars & Sense! 🎧💰 Joel Garris dives into four key investment themes set to drive results over the next decade, offering valuable insights for long-term success in your portfolio. 📈 In this episode, Joel also analyzes the impact of the recent Federal Reserve rate cut and unpacks new research from Morningstar that sheds light on investor underperformance when utilizing ETFs as their primary investment vehicle. 📊 Tune in to learn how these developments in the market could influence your investment strategy and gain a deeper understanding of effective wealth-building approaches. Don't miss this enlightening episode! 💡🔍

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On this episode, Joel Garris is joined by Rob Field to go over steps to protect yourself if you are victim of a data breach, discuss a few of September’s major headlines, and celebrate the 89th anniversary of Social Security. These topics and more on this week's radio show/podcast.

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On this podcast Joel Garris outlines the five key ways that you improve your ability to save money immediately. Plus, he provides some practical non-financial things you can do a year or two prior to retirement to help improve the quality of your transition. These topics and more on this week's radio show/podcast.
originally aired 9/8/24

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Did you know scammers are targeting your retirement savings and leaving you with massive tax bills? 😱 Learn how these clever fraudsters exploit recent tax law changes to steal from unsuspecting victims and leave them with IRS nightmares! Discover how you can protect yourself and your loved ones from falling prey to these devastating scams. In this episode, Joel Garris and Kristin Kalley-Castello dive deep into the alarming rise of scams that drain retirement accounts and lead to hefty IRS penalties. They cover the most common signs of a scam, like urgent demands for payment and confidential information, and explain how to safeguard your financial future. 🛡️ Plus, learn about the ongoing crackdown on ERC (Employee Retention Credit) fraud and what you need to know before the IRS deadline! Key Highlights: 🔍 Signs of a Scam: Learn the red flags like requests for wire transfers, threats to "act immediately," and demands for personal information. 🚨 The IRS Crackdown: Hear about the IRS's pursuit of fraudulent ERC claims and the criminal investigations that could lead to jail time. 💡 How to Protect Yourself: Get actionable advice on avoiding scams and steps to take if you've been targeted. ⏳ Important Deadlines: Don't miss the critical dates for resolving potential ERC fraud before penalties increase. 🔄 Retirement Changes: A look at the Secure 2.0 Act and how it impacts Roth IRAs, 401(k)s, and your future retirement strategy. Chapters: 0:00 - 🔔 Introduction: The Rising Threat of Retirement Scams 1:35 - 💸 How Scammers Target Your Retirement Savings 4:00 - 😱 Real Stories of Financial Devastation 6:45 - 🕵️‍♂️ Understanding the IRS's Role in Scam Prevention 9:20 - 🚨 Employee Retention Credit (ERC) Fraud Explained 13:05 - 🔍 How to Spot a Scammer: Common Tactics Revealed 16:00 - 🛡️ Protecting Yourself: Steps to Take if Targeted 19:30 - ⏰ Key Deadlines: Don't Miss This IRS Date! 22:15 - 📜 Secure 2.0 Act: What It Means for Your Retirement 25:00 - 📊 Lesser-Known Changes to Retirement Accounts 28:35 - 🧠 Final Thoughts: Stay Informed, Stay Safe 💵 About Dollars & Sense: 💵 Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 💥 Subscribe Now! Make sure you subscribe to our channel and hit the notification bell so you never miss an update. If you have trouble finding us on your favorite podcast platform, visit our website at Nelson Financial Planning and click on the icons to get connected. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries. About Joel Garris: Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions. ➡️ CONNECT WITH US: Website: nelsonfinancialplanning.com Facebook: https://www.facebook.com/NelsonFinancialPlanning Twitter: https://x.com/nelsonfinplan Spotify Podcast – Dollars & Sense: https://open.spotify.com/show/79mlYYSsAEbST4tyi6Bg2x

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On this podcast Joel Garris is joined by Chet Cowart to discuss how to help your finances survive political volatility. Plus, tips to help volatile in you spending habits. These topics and more on this week's radio show/podcast.
originally aired 8/25/24

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In light of recent market volatility this week Joel Garris discusses what he believes the root cause of it is and two things you need to do now with your investments. He also talks about three different strategies to take advantage of the market decline. These topics and more on this week's radio show/podcast.
originally aired 8/11/24

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On this podcast Joel Garris is joined by Zach Keister to discuss the importance of being goal oriented with financial questions rather than product oriented. Plus, what you can do to avoid the 401k rollover mistake that’s costing retirees billions of dollars each year. Finally, they celebrate the 100th anniversary of the mutual fund and its roll in America. These topics and more on this week's radio show/ podcast.
originally aired 8/5/24

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On this podcast Joel Garris is joined by Christina Lamb to discuss the importance of credit scores when it comes to purchasing a car. Plus, the latest final rules issued by the IRS in regard to inherited retirement accounts. Finally, the incredible value of a Health Savings Account. These topics and more on this week's radio show/podcast.
originally aired 7/29/24

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On this podcast Joel Garris discusses four major items to consider when assisting a loved one or spouse move to a retirement care facility. Plus, what investors need to do with their portfolio in light of the market hitting record highs. These topics and more on this week's radio show/podcast.
originally aired 7/21/24

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On this podcast Joel Garris is joined by Rob Field to discuss perception vs reality involving current economic climate. Also, three major tools and two considerations involving estate planning blended families. These topics and more on this week's radio show/podcast.
originally aired 7/14/24

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On this podcast Joel Garris is joined by Chet Cowart to discuss the benefits of using a 529 savings plan to help pay for education. Plus, Joel shares his personal interaction with alternative investments and what the real investor rate of return is. These topics and more on this week's radio show/podcast.
originally aired 7/1/24

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On this podcast Joel Garris is joined by Zach Keister to discuss the importance of starting to save early and the power of compounding and its impact on your retirement. Also they discuss the role of private equity within pensions and individual investor portfolios in reference to poor performance and limitations. These topics and more on this week's radio show/podcast.
originally aired 6/23/24

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On this podcast Joel Garris is joined by Kristin Castello to discuss the rising amount of IRS scams and how to avoid them. Joel and Kristin provide three key take aways to help protect yourself from said scams. Plus, they discuss real property scams and what you can do to avoid them. These topics and more on this week's radio show/podcast.
originally aired 2/18/24

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On this podcast Joel Garris discusses what you should do if you get a letter from the IRS. Plus, recorded deed notice letters that are simply nonsense in their request for funds to receive a free copy of your recorded deed. Finally, he mentions some of the complications about discussing inheritance with the next generation and provides five things you need to cover within those conversations. These topics and more on this week's radio show/podcast.
originally aired 6/2/24

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On this podcast Joel Garris discusses the prevalent online view that the United States is in demise. He provides several statistics that shows quite the opposite is true. Plus, three key takeaways to help generation Z combat a disturbing trend of increasing credit card debt relative to past generations. Finally, the biggest failure of retirement planning and how to avoid it. These topics and more on this week's radio show/podcast.
originally aired 5/19/24

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On this podcast Joel Garris wishes all our mothers a very happy Mother’s Day! This program features an in-depth discussion on the most recent earnings season. Plus, how the postage stamp is a classic inflation indicator. Finally, the implications for your money if the Federal Reserve chooses not to lower interest rates. These topics and more on this week's radio show/podcast.
originally aired 5/12/24

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On this podcast Joel Garris is joined by Nelson Financial Planning’s newest Certified Financial Fiduciary Chet Cowart to discuss what it takes to get a mortgage in today’s world. Plus, the limitations of getting advice from short clip videos like the ones featured on TikTok. These topics and more on this week's radio show/podcast.
originally aired 5/5/24

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On this podcast Joel Garris is joined by Christina Lamb to discuss the IRS dirty dozen tax scams that individuals need to be aware of. Plus, in connection with the firm’s 40th anniversary on May 1st, they spend some time reminiscing about some of the most important headlines that have happened over the last 40 years! These topics and more on this week's radio show/podcast.
originally aired 2/18/24

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On this podcast Joel Garris discusses some of the financial mistakes to avoid as you approach retirement. Plus, Joel shares his personal observation about his recently completed audit with the IRS. Also, what are some of the strategies to avoid an audit? These topics and more on this week's radio show/podcast at https://www.spreaker.com/episode/57738422
originally aired 2/18/24

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On this podcast Joel Garris discusses purchases that most retirees often regret. Plus, what kind of cash saver are you in? Finally, steps to take whether you’re getting a refund or owe this tax year. These topics and more on this week's radio show/podcast.
originally aired 4/14/24

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On this podcast Joel Garris shares examples of how artificial intelligence is improving efficiency and ways in which it is helping markets grow. Plus, the new rules of purchasing a home and the four items you need to be aware of in this changing home buying market. These topics and more on this week's radio show/podcast. Originally aired 4/7/24

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On this podcast Joel Garris outlines ways to become a millionaire that don’t involve lottery tickets. Plus, the latest self-proclaimed crisis by the financial industry and why you should steer clear of the products that are getting offered as a solution. also, a recap of quarter one 2024 performance. These topics and more on this week's radio show/podcast.
originally aired 4/1/24

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On this podcast Joel Garris is joined by Kristin Castello CFP CPA CFF to discuss how you can deal with the impact of modified adjusted gross income on your tax bill. Plus, ways to minimize the impact of the survivor tax trap when a spouse passes. These topics and more on this week's radio show/podcast
originally aired 3/24/24

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Happy St. Patrick’s Day! On this podcast Joel Garris discusses 5 steps to creating a plan of action to achieve your financial goals. Plus, how human behavior can derail your investment results. Also, what’s the difference between filing jointly and separately for married couples? These topics and more on this week's radio show/podcast.
originally aired 3/17/24

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On this podcast Joel Garris analyzes the Florida college prepaid plan and its recent price reductions. Plus, what’s right with the economy and why there might be some optimism against the current headlines. These topics and more on this week's radio show/podcast.
originally aired 3/10/24

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On this podcast Joel Garris & Rob Field discuss five major life events that should trigger immediate reevaluation of finances. Also, Rob shares some of the Social Security changes for 2024. These topics and more on this week's radio show/podcast.
originally aired 3/3/24

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On this podcast Joel Garris discusses some of the early tax season trends NFP has encountered and how you might save money by addressing those trends. Plus, what’s the mystery behind RMD’s? finally, how you can improve your credit score.
originally aired 2/26/24

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On this podcast Joel Garris discusses three distinct topics involving what happens when you pass away. First, he talks about the way in which property actually passes and gives the listening audience a list of things to think about on whether they need a trust or not. Also, what are the types of taxes you can encounter upon your passing. These topics and more on this week's radio show/podcast.
originally aired 2/18/24

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On this podcast Joel Garris discusses the need to check your year-end statement to make sure you don’t have any ETFs within your portfolio. Plus, Joel stresses the importance of checking your Money Market statement to verify what interest rate you are really getting for your cash. Finally, he talks about the Super Bowl market indicator. These topics and more on this week's radio show/podcast.
originally aired 2/11/24

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On this podcast Joel Garris & Rob Field discuss the federal filing requirements for new small business owners that apply in 2024 under the Corporate Transparency Act. They also give insight on what information small business owners need to file with the US Treasury prior to year-end. Plus, what existing small business owners need to file with the US Treasury prior to year-end. Also, they highlight three major headlines from the prior week involving the Federal Reserve meeting, latest unemployment data and the tax cut bill passed by the house. These topics and more on this week's radio show/podcast.
originally aired 2/4/24

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On this podcast Joel Garris is joined by fellow Certified Financial Fiduciary and IRS enrolled agent Christina Lamb to discuss the latest on the Employee Retention Credit along with the health benefits of budgeting. Plus, the importance of accurate tax planning and tax advice as it relates to your investments and your retirement. These topics and more on this week's radio show/podcast.
originally aired 1/29/24

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On this podcast Joel Garris discusses two disturbing trends that are increasing in 2024.Investors are finding that financial advisory fees are increasing at a greater amount than normal. Joel talks about how you can determine how much you’re paying for your financial services by looking at your annual statements. Plus, Joel talks about how to avoid the disturbing trend that is online scams particularly those that target college age population. These topics and more on this week's radio show/podcast.
originally aired 1/22/24

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Our top 10 tax changes episode for 2024! On this podcast Kristin Kalley joins Joel Garris to discuss the latest tax changes and how they impact you. This topic and more on this week's radio show/podcast.
originally aired 1/14/24

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On this podcast Joel Garris discusses how you can have better money habits in the new year. Plus, some of the trends you need to be aware of in order to best position yourself in the new year. Also, he explains two traps that investors most likely will fall into during 2024. These topics and more on this week's radio show/podcast.
originally aired 1/7/24

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On this week’s year end podcast Joel completes his fearless forecast for 2024 and recaps how we did in 2023. In addition, he covers some of the major headlines for 2023 and their economic impacts. Plus, a detailed discussion on some of the things that tripped people up in 2023, negatively impacting their investment results and how to avoid those same mistakes in 2024. These topics and more on this week's radio show/podcast.
originally aired 12/31/23

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On this week's show, Joel provides an economic perspective to the holiday shopping season, along with a variety of interesting economic stats about the Christmas holiday. The dark clouds behind holiday shopping unfortunately manifest themselves as an increase in credit card balances and hardship withdrawal going into the end of the year. Joel talks about how you can get your finances in better shape to avoid those issues.

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On this podcast Joel Garris is joined by fellow Certified Financial Fiduciary and CFP Kristin Kalley to discuss some of the year-end tax exchanges that Americans need to know about to save on their taxes for next year. Also, they discuss the push from Washington DC and the financial services industry to make contributions to Roth IRAs in order to generate revenue. Plus, what taxpayers need to do in light of the reporting requirements for online transactions. These topics and more on this week's radio show/podcast.
originally aired 12/17/23

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On this podcast Joel Garris discusses the milestones of turning 50, 60, 70 and some of the things you need to think about during the course of those decades in order to have the best future and retirement. Also, Joel discusses a variety of things you can do before the end of the year to reduce your taxes. These topics and more on this week's radio show/podcast.
originally aired 12/10/23

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On this podcast Joel Garris outlines some of the financial fundamentals that we all need to follow in order to achieve financial success. 2023 has been a decent year for performance but unfortunately many people have missed out as a result of not adhering to some of the fundamental financial concepts. Joel talks about these concepts at length in his new book Next Gen Dollars & Sense. This week he shares the general concepts. Also, he discusses the latest on ESG investing and compares it to “new Coke “ marketing. These topics and more on this week's radio show/podcast at
originally aired 12/3/23

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On this podcast Joel Garris & Rob Field have an ongoing discussion on the importance of planning your legacy to improve overall retirement. Plus, Rob Field provides an update on Social Security COLA and increased wage base. These topics and more on this week's radio show/podcast.
originally aired 11/26/23

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On this podcast Joel Garris & Rob Field discuss how to have a happy and quality retirement by improving the social aspects of your life. Whether you’re approaching retirement or are in retirement you need to consider the social, health and legacy aspects of your life in order to ensure the years you spend in retirement are enjoyable. These topics and more on this week's radio show/podcast.
originally aired 11/19/23

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On this podcast Kristin Kalley joins Joel Garris for a discussion on key takeaways and changes for your retirement courtesy of the SECURE Act 2.0. Plus, they highlight why investors should be reviewing their investment allocation particularly where they stand on cash and international markets. These topics and more on this week's radio show/podcast.
originally aired 11/12/23

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On this podcast Joel Garris discusses the role of emotions and how it affects our money and our retirement. Plus, he discusses two recent studies that showed American are ill prepared with their finances and miss out on a tremendous amount of investing opportunities. The importance of financial literacy cannot be underestimated. These topics and more on this week's radio show/podcast at https://www.spreaker.com/episode/57536276
originally aired 11/3/23

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On this podcast Joel Garris discusses five pitfalls of inheriting money as more fully detailed within one of the chapters in our new book Next Gen Dollars & Sense. Free hard copies are available until December 31st by calling us at 407-629-6477. Plus, Joel discusses why setting up auto pay might not be a good financial decision. These topics and more on this week's radio show/podcast.
originally aired 10/29/23

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On this podcast Joel Garris & Christina Lamb discuss our new book and how it can help your children and grandchildren. Plus, Joel is offering complimentary copies of the book until Dec 31st, 2023. Finally, they discuss the four major changes from the SECURE Act that affect your retirement this year. These topics and more on this week's radio show/podcast.
originally aired 10/22/23

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On this podcast Joel Garris discusses how crypto currency funds terrorist organizations. Plus, key take aways from his recent trip to California to visit with portfolio managers. Finally, a deep dive into why costs matter from an investment perspective. These topics and more on this week's radio show/podcast.
originally aired 10/15/23

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www.nelsonfinancialplanning.com On this podcast Joel Garris provides three specific examples as to why annuity advertisements are deceiving. Plus, how your withdraw strategy should change to reflect the new 10 year payout for inherited retirement accounts. These topics and more on this week's radio show/podcast.
originally aired 10/8/23

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On this podcast Joel provides updates on three issues discussed in prior radio programs this year. First, he provides an update on the latest statistics on identity theft fraud and what you can do to prevent it. Plus, what the future may look like for savings rates that are currently showing record amounts of cash in Money Markets and cash equivalents. Finally, how the employee retention credit is viewed by the IRS as a scam. These topics and more on this week's radio show/podcast.
originally aired 10/2/23

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On this podcast Joel Garris & Rob Field discuss the disturbing practices of large financial institutions that affectively kick clients to the curb once they no longer meet certain account minimums. Plus, they discuss the expected COLA increase from Social Security and Social Security survive benefits Finally, how you can find free money at fltreasurehunt.gov. These topics and more on this week's radio show/podcast.
originally aired 9/24/23

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On this podcast Joel discusses the five parts of a mortgage and what you need to know when choosing a mortgage in today’s high interest rate environment. Plus, why it’s important to have an accurate estimate of expenses in retirement.These topics and more on this week's radio show/podcast.
originally aired 9/17/23

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On this podcast Joel discusses some of the recent changes to the Florida Retirement System. Plus, Traditional VS Roth- which is better for you? These topics and more on this week's radio show/podcast.
originally aired 9/10/23

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On this podcast Joel & Christina discuss the various energy tax credits that are provided through the inflation reduction acts. Plus, steps needed to be taken to maximize your ability to claim energy tac credits Finally, what can you do to plan for an early retirement? These topics and more on this week's radio show/podcast.
originally aired 9/3/23

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On this podcast Joel discusses the good news that comes with higher rates on your savings accounts and the bad news that comes with the resulting tax bill on that increased interest amount. Plus, he shares the five different documents that you need your college student to sign before they go off to school to provide you with the legal authority needed as the parent of a young adult. These topics and more on this week's radio show/podcast at https://www.spreaker.com/episode/53970691
originally aired 8/27/23

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On this podcast Joel discusses the evolving economy landscape and how to best position your investments for the road ahead. Plus, he mentions some of the ways to avoid the hard feelings that occur when a family member passes away. Take the time to understand how to distribute items from personal property as those things often create the strongest emotional response among family members. These topics and more on this week's radio show/podcast.
originally aired 8/20/23

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On this podcast Joel is joined by Kristin Kalley CFF, CPA & CFP to talk about the latest delay by the IRS on instituting clear guidance on the 10-year distribution requirement of inherited retirement accounts. Plus, the latest option for qualified charitable distribution which involves charitable gift annuities. These topics and more on this week's radio show/podcast.
originally aired 8/13/23

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On this podcast Joel discusses how important dividends are in a world where inflation and interest rates costs are much higher. Plus, why it’s so crucial to know how many dividend paying companies you own. Finally, he discusses not being able to get to the new economy without the old economy and what that means for investing going forward.

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On this podcast Joel is joined by fellow Certified Financial Fiduciary Rob Field to discuss why high levels of cash might be a signal to invest on a dollar cost average basis. Plus, they discuss the importance of truly knowing what you own particularly when it relates to cash inside a brokerage account. These topics and more on this week's radio show/podcast.
originally aired 7/30/23

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On this podcast Joel discusses Washington’s dirty trick to force high income earners to only do Roth catch up contributions starting next year. Plus, the supreme court has struck down the student loan cancelation program. What are some of the income driven repayment programs and how can you take advantage of them? These topics and more on this week's radio show/podcast.
originally aired 7/23/23

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On this podcast Rob Field & Kristin Kalley discuss five new changes that came from the Secure Act 2.0.This topic and more on this week's radio show/podcast.
originally aired 7/16/23

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On this podcast Rob Field & Christina Lamb share ways you can plan for your investment future. Plus, they help you plan for your next vacation! These topics and more on this week's radio show/podcast.
originally aired 7/9/23

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On this podcast Joel Garris discusses the various features of the most misunderstood savings vehicle, the HSA. Plus, the cost if you’re checking account balances too often. These topics and more on this week's radio show.
originally aired 6/25/23

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The bull has returned! What does that mean for your money? On this podcast Joel Garris discusses the recent market trends. Plus, common misconceptions about social security and how avoiding them can help you improve your financial picture. These topics and more on this week's radio show/podcast.
originally aired 6/18/23

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On this podcast Joel Garris discusses key strategies to become a millionaire. Plus, pros and cons of CD's vs Money Markets. These topics and more on this week's radio show/podcast.
originally aired 6/11/23

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On this podcast Joel Garris discusses the recent debt ceiling deal. Plus, how retirees might reduce their expenses due to inflation. These topics and more on this week's radio show/podcast.
originally aired 6/4/23

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On this podcast Joel Garris is joined by Ron Cervantes owner of C Solutions IT to discuss how to protect yourself from cybercrime traps. Plus, Joel pokes holes at the IRS weighing an option to further expand its free tax preparation and filing service. These topics and more on this week's radio.
originally aired 5/21/23

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On this podcast Joel Garris is joined by Ron Cervantes owner of C Solutions IT to discuss how to protect yourself from cybercrime traps. Plus, Joel pokes holes at the IRS weighing an option to further expand its free tax preparation and filing service. These topics and more on this week's radio.
originally aired 5/21/23

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On this podcast Joel Garris discusses what factors make up your credit score and ways to improve it. Plus, ways in which you can save and pay for college, particularly using 529’s. These topics and more on this week's radio show/podcast.
originally aired 5/14/23

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On this podcast Joel Garris is joined by fellow Certified Financial Fiduciary Rob Field to discuss some major retirement changes ahead. Plus, what’s the difference between return on investments and return of investment? Finally, why return on investment or return of investment matters in today’s world of CD And annuity payout rates. These topics and more on this week's radio show/pocast.
originally aired 5/7/23

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On this podcast Joel Garris discusses why you should be a boring investor instead of a knucklehead investor. Plus, why the coming recession may not be as dramatic as the media says. Lastly, a recap of current earnings season, the latest economic data, and the upcoming Federal Reserve meeting. These topics and more on this week's radio show/podcast.
originally aired 4/30/23

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On this podcast Joel Garris discusses some of the statistics behind the U.S. dollar in the global economy. Plus, some surprising statistics about retirement and how to address them early on. Finally, the latest on inflations impact to Social Security and I-bonds. These topics and more on this week's radio show/podcast at https://www.spreaker.com/episode/53629495
originally aired 4/23/23

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On this podcast Joel Garris discusses how higher interest rates affect everyday life. Plus, other steps you can take to improve your financial picture. These topics and more on this week's radio show/podcast. Originally aired 4/16/23

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On this podcast Joel Garris discusses five reasons why tax planning is important to your overall financial planning regardless of if it is tax time or not. Plus, a recap of tax season trends. These topics and more on this week's radio show/podcast.
originally aired 4/9/23

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On this podcast Joel Garris discusses two things that still surprise him when folks visit for the first time. Plus, three reasons you might wind up unhappy in retirement. These topics and more on this week's radio show/podcast.

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On this podcast Joel Garris discusses what you need to know about your cash in the bank. Plus, how Biden’s first veto makes it even more important than ever to roll your 401k to and IRA at the very first option. These topics and more on this week's radio show/podcast.
originally aired 3/26/23

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On this podcast Joel Garris discusses bank industry & economic headlines of the past week. Plus, an in-depth conversation on tax changes lurking in the latest budget proposal. These topics and more on this week's radio show/podcast.

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President Biden released his budget this past week which stands in direct contrast to the tax data the IRS released for 2023.On this podcast Joel Garris this dichotomy. Plus, a solution to the disturbing trend of significant increase in hardship withdraws from 401k’s. Tune in for a full discussion of these topics and more on this week's episode.

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On this podcast Joel Garris discusses some of the recent developments regarding ESG investing. Plus, Joel is joined by fellow CFF and NAS Rob Field to discuss recent changes to Social Security

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On this podcast Joel Garris discusses some of the biggest mistakes people make with a will. Plus, a recap of current economic events. These topics and more on this week's radio show/podcast.
originally aired 2/26/23

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On this podcast Joel Garris discusses some of the early trends happening in this tax season. Plus, some questions to ask yourself, children, and parents to keep from getting your phone hacked. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/19/23

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On this podcast Joel Garris discusses a variety of practical tips for you to follow that will help your loved ones once you've passed. Plus, Joel discusses the Super Bowl indicator and the advertisement that will appear. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/12/23

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On this podcast Joel Garris discusses two dirty secrets of why converting to a tax-free retirement is a bad idea. Plus, an overview of some recent headlines that impact you & your money. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/5/23

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On this podcast Joel Garris discusses merging investment themes. Plus, things to know as tax season begins! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 01/29/23

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On this podcast Joel Garris discusses a long-term perspective on the markets. Plus, what are five of the worst purchases retirees make? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 01/22/2022

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On this podcast Joel Garris & Kristin Kalley have an in-depth discussion on money tips to follow for 2023. Plus, an in-depth discussion of tax changes for 2023. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 01/15/2023

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On this podcast Joel Garris & Kristin Kalley discuss some practical financial moves you could make to start off 2023 right. Plus, an in-depth discussion of tax changes for 2023. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 01/08/2023

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On this podcast Joel Garris discusses major tax changes. Plus, our fearless forecast for 2023! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 1/01/2023

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On this podcast Joel Garris discusses this week’s headlines involving the Federal Reserve & FTX. Plus, a breakdown of tax changes for 2022 & 2023 These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/18/2022

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On this podcast Joel Garris discusses why the DOW outperformed the S&P 500 for 2022. Plus, don’t let the Grinch AKA an annuity company steal your Christmas! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/11/2022

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On this podcast Joel Garris & Kristin Kalley discuss losing some of your social security due to means testing of Medicare premiums. Plus, tax reporting things you need to know if you use cash apps. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/5/2022

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On this podcast Joel Garris discusses some holiday spending stats. Plus, some moves coming in the Federal Reserve? Finally, what will a changed labor market do to the Federal Reserve? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/27/2022

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On this podcast Joel Garris discusses how to plan your future around higher interest rates. Plus, what can you do now to save on taxes? Finally, how to lay the groundwork for greater tax efficiency for years to come. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/20/2022

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On this podcast Joel Garris discusses whether the market reacted more to the recent elections or the latest inflation numbers? Plus, what happened with FTX Crypto? Finally, what changes are coming to retirement plan contribution limits? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/13/2022

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On this podcast Christina Lamb & Rob Field discuss things to consider in your first year of retirement. Plus, review past stock market historical events. Finally, Social Security changes for 2023. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/6/2022

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On this podcast Joel Garris discusses whether the economy is finally seeing some light at the end of the tunnel? Plus, what are the benefits to working longer? Finally, what is pig butchering and how could it be a scam? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/30/2022

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On this podcast Joel Garris discusses how long will it take for interest rates hikes to influence the economy? Plus, the shameful actions of our politicians during the covid pandemic. Finally, could inflation help you save money on your taxes? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/23/2022

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On this podcast Joel Garris & Kristin Kalley discuss What are some of the biggest expenses that can pop up in retirement? Plus, what do the new headline inflation numbers mean? Finally, Kristin Kalley goes over the new rules for stretch IRAs. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/16/2022

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On this podcast Joel Garris discusses whether an occasional recession could be healthy for the stock market? Plus, Joel gives some market statistics. Finally, could pension plans be in hot water for this “new” holding? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/09/2022

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On this podcast Garret Fields & Rob Field discuss what inflation is and how it works. Plus, are there any pros to inflation? Finally, what are some major nonfinancial things to consider before you retire? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/02/2022

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On this podcast Joel Garris discusses the true power of dollar cost averaging. Plus, what does a strong U.S. dollar mean? Finally, the fed is completely committed to raising interest rates, what does that mean for investors? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/25/2022

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On this podcast Joel Garris discusses how China’s covid policies affect the world economy. Plus, important market perspective from our client educational dinner. Finally, be aware of the self-directed 401K options! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/18/2022

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On this podcast Joel Garris & Christina Lamb discuss the biggest changes coming to Medicare. Plus, what are some of the biggest tax changes going forward? Finally, the IRS is increasing the gas mileage right off limit, is it less than you expected? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/11/2022

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On this podcast Joel Garris explains what is driving us towards a recession. Plus, will we see a decrease in inflation soon? Finally, why is it so important to have an emergency savings? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 6/27/2022

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On this podcast Joel Garris discusses two ways your portfolio can fight inflation. Plus, three things that drove us to this high level of inflation. Finally, what are the biggest regrets that most retirees have? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/5/2022

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On this podcast Joel Garris discusses how missing the 20 best trading days over the last 20 years dramatically effects your return. Plus, Joel gives a background story on how he made it through his schooling. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 8/28/2022

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On this podcast Joel Garris discusses considerations when retiring early. Plus, how do different age groups invest? Finally, some indicators of a recession. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 7/31/2022

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On this podcast Rob Field & Kristin Kalley discuss some investment objectives. Plus, what should you invest in? Finally, how do you fund your account? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 7/24/2022

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On this podcast Garret Fields & Kristin Kalley discuss five things you can do to help your portfolio during the bear market. Plus, how much attention should you be giving your portfolio? Finally, what are your chances of getting audited? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 7/10/2022

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On this podcast Joel Garris explains what is driving us towards a recession. Plus, will we see a decrease in inflation soon? Finally, why is it so important to have an emergency savings? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 6/27/2022

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On this podcast Joel Garris explains what is driving us towards a recession. Plus, will we see a decrease in inflation soon? Finally, why is it so important to have an emergency savings? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 6/27/2022

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On this podcast Joel Garris and Garret Fields explain why you should continue to be an investor. Also, how do mortgage statistics compare over time? Finally, where does unemployment sit in the economy today? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 6/19/2022

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On this podcast Joel Garris explains how to get a guaranteed 4% interest rate. Plus, how are retirees currently managing their debt? Finally, are target date funds good for setting it and forgetting it? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 6/12/2022

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On this podcast Rob Field & Christina Lamb discuss how different generations are viewing retirement. Plus, with higher life expectancy, is 65 to young for retirement? Finally, what’s the biggest struggle people have in retirement? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 6/5/2022

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On this podcast Joel Garris talks about the 17 bear markets that have occurred over the last 100 years. Plus, what did Joel learn from his face-to-face encounter with a black bear? Finally, how many companies are currently making up almost 50% of the markets decline? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 5/22/2022

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On this podcast Joel Garris & Garret Fields discuss the crypto market and how it’s been affected by rising interest rates and inflation. Also, how bad is student debt situation and what are some possible solutions? These topics and much more on Dollars and Sense

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On this podcast Joel Garris and Kristin Kalley discuss who will benefit from rising interest rates and who will suffer? Plus, what do we think about Fidelity letting people buy bitcoin inside their 401K? Finally, we talk about how you can check the status of your refund. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 5/8/2022

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On this podcast Joel Garris discusses what a possible recession could look like, are we halfway through one? Plus, Are I Savings Bonds the answers in today’s choppy environment? Finally, we talk about the one pager that social security published, “will social security be there for me”. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 5/1/2022

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On this podcast Joel Garris discusses how the IRS is tracking you more than Facebook, Google, or Apple!? Plus, did you rebalance at the beginning of the year? Finally, you might need to adjust your expectations for the markets. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 4/24/2022

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On this podcast Joel Garris discusses how the 10-year treasury bond is affecting the new mortgage rate. Plus, what does the future of investing look like? Also, what did you miss at the client educational dinner? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/27/2022

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On this podcast Joel Garris discuss how the Fed can get ahead of inflation! Plus, how can you avoid interacting with the IRS? Also, can money given to your kid’s be written off as charity? Finally, the biggest tax changes to retirement accounts in decades! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/20/2022

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On this podcast Joel Garris discuss the great Chinese demographic reversal! Plus, we compare the difference between the fall of Venezuela and Russia! Also, the pros and cons of working in retirement! Finally, did the stimulus checks drive up the prices of meme stocks? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/13/2022

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On this podcast Joel Garris and Christina Lamb discuss ways to lower the prices of good that have been affected by inflation? Plus, what should you do now that there is more volatility in the markets! Also, how can you protect yourself against cyber-attacks? Finally, how do dividend and capital gains pay outs work! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/06/2022

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On this podcast Joel Garris tries to make sense of Russia’s non-sense! Plus, what should you do now that there is more volatility in the markets! Also, how can you protect yourself against cyber-attacks? Finally, how do dividend and capital gains pay outs work! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/27/2022

On this podcast Joel talks about Russia’s invasion of Ukraine! What that means for the world order and investors in the US markets! These topics and much much more on Dollars and Sense!
Watch on:
Youtube: https://youtu.be/weBfj6LyjzQ
Listen to Podcast (audio only): https://youtu.be/fdxo50nnFTk

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On this podcast Joel Garris discusses why we don’t get involved in bitcoin or any crypto currency! Plus, our fellow CFF and CPA Kristen Kaley joins us to talk about 1031 tax exchanges! Finally, the top do’s and don’ts for your 2021 tax returns! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/21/2022

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On this podcast Joel Garris and Garret Fields discusses whether or not the Super Bowl can predict the markets? Plus, how to avoid the mistake of panic selling! Also, spending, and consuming vs investing! Finally, how do you get reinvested if you were a victim of panic selling? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/13/2022

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On this podcast Joel discusses some changes coming to 401k’s in 2022. This topic and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/7/2022

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On this podcast Joel talks about the “7% guarantee” proposal that’s floating around the radio! Plus, is it too late for commodities?
Watch on:
Youtube: https://youtu.be/tympptDolu8
Listen to Podcast (audio only): https://youtu.be/fdxo50nnFTk

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On this podcast Joel discusses if the markets have finally coming back to a level of normality. Plus, how normal is this level of volatility in the markets? Also, are your target date funds working against you? Finally, are your target date fund built to benefit you or your employer? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 1/23/2022

On this podcast Joel talks about how mutual funds pay out capital gains and dividends! Plus, what is this three headed monster pension plans are currently fighting?

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On this podcast Joel discusses how is the federal reserve going to handle inflation? Plus, now is the time a lot of people donate, make sure you’re doing it as efficiently as possible! Also, are you ho ho hording cash? Finally, where is 1.6 trillion dollars currently sitting??? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/12/2021

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On this podcast we discuss if you are giving up free money without even knowing it! Plus, what’s the best corporate structure for your small business? Also, the S crop structure the good, the bad, and the ugly! Finally, the reality behind the average household debt! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/21/2021

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On this podcast we discuss why the government is like a spouse with a massive spending problem on steroids! Plus, why a third grader would be better at managing the government’s budget! Also, the new retirement contribution limits for 2022! Finally, how do we produce better college grads? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/14/2021

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On this podcast we discuss what you should do now that the clock has fallen back! Plus, the head of our tax department and fellow Certified Financial Fiduciary, Christina Lamb, joins us on the podcast! Also, is the IRS always right? Finally, big money mistakes to avoid! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/7/2021

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On this podcast we discuss if the 5.9% social security increase will be enough for senior citizens! Plus, is the government going to be able to look at your bank account if you have more than $600? Also, will these taxes changes hurt your wallet? Finally, how long will you be retired for? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/31/2021

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On this podcast we discuss the complex rules and laws that govern what happens to your money after you die! Plus, are interest rates and PE ratios related? Also, the keys to success when it comes to investing! Finally, do you have a shot at being a millionaire? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/10/2021

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On this podcast we discuss what Evergreen is, and why this company is having such a big impact on the market! Plus, why is China in some deep trouble? Also, should you invest more or less in China? Finally, big tax proposals are floating around Washington! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/03/2021

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On this podcast we talk how the FED will deal with such low interest rates! Plus, story time with Joel Garris! Why it’s so important to understand your ALL-IN expense ratio! Also, Kristin Kalley discusses possible tax changes going forward! Finally, will they increase the long-term capital gain rate? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.c...
originally aired 9/26/2021

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On this podcast we talk how the beat may change but the tune stays the same! Plus, have you kept pace with the market over the last 20 years? Also, the principals of long-term investing resilience! Finally, why rebalancing is so important! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/19/2021

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On this podcast we talk about what to do if you get a love letter from the IRS! Plus, what is a math error notice from the IRS? Also, how will your beneficiaries be affected when they inherit money? Finally, retirement is a bigger live transition than you think! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/12/2021

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On this podcast we discuss what happens to your money after you die! Plus, are you entitled to more than just your social security? Also, our National Social Security Advisor, Rob Field, goes over how to maximize your social security! Finally, what options are available to your beneficiaries after you pass away? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/5/2021

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On this podcast we discuss who gets better returns, long term investors or day traders? Plus, how good of financial shape is social security really in? Also, are we going to see the biggest increase to social security sense the 80s? Finally, which spouse should apply for social security first? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 8/29/2021

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On this podcast we discuss tax deferred accounts vs taxable account! Which is best for you? Plus, what’s more important than the finances in retirement? Also, what conversations you need to have before moving? Finally, should you invest your extra cash or pay off your mortgage? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 8/22/2021

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On this podcast we discuss if inflation run rampant! Plus, how to go to college and avoid taking out student loans! Also, the two main college tax credits! Finally, how to avoid living paycheck to paycheck! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 8/15/2021

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On this podcast we discuss the Secured Act 2.0, the latest act that is supposed to “secure” your retirement! Plus, will the government force you to auto enroll into a retirement plan? Also, are Roth IRAs the answer to the government’s massive debt problem? Finally, are you really ready to retire? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 8/1/2021

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On this podcast we discuss the biggest wealth transfer in modern history! Wait, where did 70 Trillion dollars just go??? Also, what should you do if you inherit money? Finally, be better than the target date funds! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 7/12/2021

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Why You Shouldn't Be a Bandwagon Investor and why its so important you know where you are investing your money!

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On this podcast we wish a happy 125th birthday to one of our surprise good friends! Plus, what is the best way to improve your net worth! Also, when should you share personal financial information with your partner? Finally, the easiest way to become wealthy!!! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 5/30/2021

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On this podcast we discuss how these IRS Red Flags will trigger a manual review! Plus, Americans new juicy love affair! Also, could the state pension plan run dry? Finally, could the largest tax saving strategy suddenly vanish? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 5/23/2021

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On this podcast we discuss how the stimulus checks are affecting your taxes! Plus, one of the biggest tax saving techniques that most people overlook! Also, is an IRA audit in your future? Finally, how do you prepare if the IRS comes knocking on your door! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 5/2/2021

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On this podcast we discuss the reality, history, and makeup of bitcoin! Plus, what is our take on bitcoin and its future value? Also, new proposals for tax changes in Washington! Finally, why it might be worth doing your taxes married filing separate! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 4/04/2021

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On this podcast we compare married filing separate to married filing jointly! Plus, why our dynamic economy is so important! Also, what industries are booming during our current pandemic! Finally, you’re about to lose the second leg on the 3 legged stool! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/28/2021

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On this podcast we unpack all of the 1.9 trillion-dollar stimulus package! Plus, why unemployment has changed in every way! Also, are you eligible for the new stimulus check? Finally, how you could become eligible for the new stimulus check! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/14/2021

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On this podcast we talk about the Government accountability office’s review of the IRS! Plus, why bond and cash positions could be a trap! Also, don’t overpay for underperforming investments! Finally, why it’s important to roll over your 401K the right way! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 3/7/2021

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On this podcast we talk about roaring kitty and what happened with GameStop! Plus, financial planning vs retirement planning vs investment planning vs income planning! Also, will there be big opportunities in the international markets? Finally, how will marriage affect your social security? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/21/2021.

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On this podcast we talk about how the winner of the super bowl might determine the direction of the markets! Plus, do not get greedy with GameStop!!! Also, how do dividends work and why are they important? Finally, this is worse than having to pay taxes! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 2/8/2021

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On this podcast we talk about why the IRS is already behind on the ball for the 2020 tax year. Plus, why is compound interest the 8th wonder of the world? Also, investing is what you see, and spending is what everyone else seeing! Finally, ways everyone could improve their financial habits! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 1/24/2021

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2020's biggest lessons

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On this podcast we talk about the Food and Toy drive we had at Nelson Financial Planning! Plus, new Stimulus check and more Government assistance! Also, 2020 is the year of the time machine! Listen in the find out what that means! Finally, 2021 Social Security! The amount you’re be getting will change! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/27/2020

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On this podcast we talk about the continuously increasing cost of college and what the cost of college will be in 2040! Plus, some common habits that send your retirement in the wrong direction! Also, holiday gifts on sale vs the market on sale! Finally, how to have a tax efficient tax strategy in retirement.! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/20/2020

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On this podcast we talk about the cancellation of the 2020 RMD! Here is what you need to do! Plus, did you take the PPE loan? Because the IRS came out with some updates on the PPE loan! Also, the secure act Part 2!!! Finally, how to talk to your elderly parents about their finances! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/06/2020

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On this podcast we talk about if an old beneficiary IRA is required to follow the new beneficiary IRA rules! What are the two documents you must have before you die? Also, what happens to your debts after you die? Finally, the fastest growing expense in retirement! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/22/20

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On this podcast we talk about thing you must look for when shopping for a financial advisor! Some big ways to cut your expenses in retirement! Also, could you live off $18,500 a year? Finally, Just because there’s no penalties for taking a IRA early withdraw doesn’t mean you should do it! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/15/20

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On this podcast we take a look at all the records that the market broke last week! Did the markets get the best possible combinations of government? Also, you are probably going to put your kids in a massive tax backet, and you don’t even know it! Finally, a check list of things you must ask your financial advisors! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/08/20

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On this podcast we take a looking at bigger changes than the election in 2021! The good, the bad, and the ugly of the 2020 election! Also, how big is the USA in the global markets? Finally, what did the SEC most recently drop the ball on? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/01/20

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On this podcast we take a looking at what part of the economy Covid19 is really trying to take down. The IRS finally gives us some guidance on the cares act! Also, rules for invested that came about in 1993 that are still true today! Finally, The S&P 500 or the S&P 5? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/25/20

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On this podcast we take a looking at the social security changes for 2021 and it gives you a pretty big reasons to start saving for retirement today. What is a K shaped recovery? Also, the must knows if you are offered a severance package! Finally, if your confronted with a life changing decision give us a call and well help you make the right choice! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/18/20

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In this polarized environment we take a step back and look at all the legislation that has been pasted through bipartisanship, and there has been more than you think. How are states trying to nose their way into your retirement? Also, 6 important numbers you must know before entering retirement! Finally, be very careful doing a Roth conversion, because the taxes might be much higher than you think! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/11/20

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How are all the markets doing going into the 4th quarter of 2020? Are you skipping out on your savings or avoiding the market? Also, some of the most wasteful spending habits! Finally, the IRS is stepping up enforcement of cryptocurrency! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/04/20

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Do Call and Put options make you a gambler or an investor? Why does Uncle Sam hit day traders much harder than investors? Finally, why are younger generations going to have a much harder time retiring? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 09/13/20

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Does this volatility point to signs of another market crash? Do not miss out on the opportunities the market presents! Also, six social security myths! Finally, the biggest mistakes people make during a pandemic! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/06/20

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The formula to having a successful retirement! The top 6 ways the IRS says you could get scammed! Also, the back half of the dirty dozen! Finally, how do mutual fund managers pick companies for their funds? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 08/31/20

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Are you confusing active management with a timing service? Your cookie cutter target date funds are not going to cut it! Also, what tax breaks will you get for working at home? Finally, can you get a tax right off for buying new toys? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 08/23/20

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How has Covid19 already changed your credit score? How does your credit score work, how can you fix it, and how can you really hurt it? Also, the next biggest sport that is already exploding! Finally, the reason why it is so important to make sure you know the risk of day trading! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 08/17/20

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How responsible are Americans being with debt during this economic crisis? President Trump signs 4 executive orders to help boost the economy! Also, The 10 presidential truths! Finally, Who has more control over the economy than the president? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 08/09/20

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How often do pandemic level events really happen? The hidden risk of investing in the S&P 500 Index that no one wants to talk about! Also, why hasn’t the housing market crashed yet? Finally, will you soon be FORCED to buy Tesla? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 08/02/20

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How the government is going to try and fix the economy? Gold vs inflation, the winner might surprise you! What is the best way to generate income in retirement? Finally, Google stops 100 Million of these a day! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 07/26/20

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Is your 401Ks going to be cashed out without your permission? The single question you need to be asking the people that manage your money! Do you have a retirement income plan? Finally, what does the federal reserve’s balance sheet look like? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 07/19/20

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The big hole in social security if you were born in 1960. Watch out for these mistakes that can increase your tax bill by over 50%! What insurance policies make sense at what age? Finally, the most overlooked insurance policy that people of all ages need! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 07/12/20

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What is so special about social security in 2020? Should you put your cash in a bond fund or a high interest savings account? Should we cancel the debt we owe to China? Finally, some bad moves that big corporations are making! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 07/05/20

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Why has the IRS rented multiple tractor trailers? Are equity index annuities wolves wrapped in sheep’s clothing? What is the best financial move if you have been laid off and had a 401K with your work? Finally, if you think your finances are bad you should check out social security! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 06/28/20

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What does the future of the stock market look like? What will be the market drivers of the next economic expansion? Unfortunately, are you one of the 16 million Americans that still has not received their stimulus check? Listen in to find out how to build your own budget. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 06/14/20

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How off were the economist when they claimed 20% unemployment? Why you need to be contributing to an employer retirement plan during COVID19! What shutdowns is COVID19 accelerating? Plus, the updates for the payroll protection act! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 06/07/2020

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We are expanding our radio show! How is the impact and the shutdown of sports is affecting our economy? Unfortunately, tough times bring out the biggest scams. Listen in to find out what new scams are taking off. The tax issue and changes with the payroll protection act. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 05/24/20

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Some tips and tricks for solving cash flow issues! 6 things everyone can be doing to save an extra few dollars during this pandemic. Some taxes traps people of all ages need to watch out for. Do you know of the new tax trick for avoiding the 10% penalty on withdrawals? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 05/17/20

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Why is the stock market rocketing upwards? What is a fallen angle company? Which will rule beneficiaries or a will? Why now might be the best time to adjust your portfolio! What action are 40 year old’s taking that is destroying their retirement? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 05/10/20

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What did the media drastically overlook? Is the government still financially supporting the dead? The U vs the V vs the W, which one will we see? Does the dip in the market accurately reflect the dip in the economy? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 05/04/20

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What does the oldest mutual fund company think of this market? The stimulus check update! Will you get paid to pump gas into your car? The age gap you need to know about when it comes to retirement! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 04/26/20

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Have you gotten your stimulus check yet? Are you still taking your RMD? Is your account down as much as you think? Why is the Market roaring up? The 529 tax trap that COVID19 is causing! These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 04/19/20

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How big is 2.3 trillion dollars really? Did you miss the mini bull market? And, what does it mean if you went to cash? What has COVID 19 taught us from a financial perspective? how is the IRS handling this crisis? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 04/12/20

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Who will be the winners and losers of this down market? Is another bubble forming in this down market? Some big changes for your 2020 RMD! Plus, when am I going to get my $1,200? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 04/06/20

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What is in the 2 Trillion-dollar stimulus package? What is the federal government doing to try and fix the economy? Some beneficially tax tricks you should take advantage of in this down market. Plus, some simple things you can do to protect your investments. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 03/29/20

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Why haven’t the financial markets shut down? Can the stock markets see the future? Some Huge last-minute tax changes! Plus, what is the right thing to do right now? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 03/22/20

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What should you do if you were planning on retiring soon? We don’t know what we don’t know, and markets hate that! Over the last 75 years there has been 12 bear markets! What have they taught us? Plus, Have the fundamentals of investing changed? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 03/15/20

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How often do these market swings happen and what do they tell us? What’s the chances this correction turns into a bear market? The worst thing you can buy in a bear market! Plus, How to save on your 2019 taxes. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 03/08/20

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Forget the coronavirus! Don’t catch the common cold! Who’s really profiting off the coronavirus? Is it time to change your investment philosophy? Plus, the winners and losers from the 2017 tax and jobs act. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 03/01/20

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Have the financial services industry found a new way to steal your money? If a structured note product is so awful why are so many advisers selling it? Some good taxes news! Plus, Are the markets too high to invest in? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 02/23/20

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It is time for you to check up on your 401K! The S&P 5, do current Index funds lack Diversification? Are you overpaying for your 401K? Plus, the two Cs of investing. Finally, are you and your spouse on the same retirement page? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 02/16/20

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Do not get fooled by professional scammers! How Coronavirus could affect your investments in the short term and the long run. Should you invest your extra cash or pay off your mortgage? Plus, the differences between a tax credit and right off. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 02/09/20

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On this special episode Joel talks to Dr. Sean Snaith, the director of the institute for economic forecasting at UCF. They discuss current state of the labor market. As well as, whose lives were affected the most by the 2008 housing crisis. Plus, when should you start worrying about the national debt? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 02/02/2020

Dr. Snaith
Twitter: @SeanSnaith
Facebook: snaith

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Social security scams are ramping up because of tax season, listen in to learn about the latest UPS scam! Do you know about the massive benefits of a beneficiary IRA. When should you start implementing your retirement plan? Plus, are you sure you know how much income you’ll need in retirement? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 01/26/19

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What do we think are going to be big market movers in 2020? Joel takes a question from a listener in New York. The death of the Stretch IRA. Plus, how to get into a Roth IRA even if you make too much money. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.c...
originally aired 01/19/20

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Do you know how much money are you saving by living in a state with no income tax? The secure act passed. Learn what this means for you and your kids. Have you been pitched the latest “hot insurance product" yet? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.c...
originally aired 01/12/19

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How did the market do over the past decade? Are you better off now than you were 10 years ago? Are you falling into the power of 4 trap? Plus, Joels 2020 new year’s resolution for everyone. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 01/05/19

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The Fearless Forecast! Come see how right Joel was and what he predicts will happen next year! The Secure Act pasted, listen to see how this act will affect your retirement. Plus, Joel gives a recap of the year that was. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/29/19

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Are you having to take financial responsibility for your parents? Some tips and tricks when using a QCD. Plus, The latest on the “inverted” yield curve. Finally, the best ways to avoid probate. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/22/19

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The major problem with the current rating system. Can you predict the future? Plus, The death of the 60/40 portfolio. Finally, Who's winning the losing battle gen X or Millennials? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/15/19

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How the insurance companies are lobbying to get into your retirement account! Why your Medicare supplements could be increasing. Plus, the current status of the IRS and what it means for you and your chances of getting audited! These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 12/1/19

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Are our interest rates really as low as they seem? Millennial’s and their financial reality. Plus, have you read the fine print in the annuity contracts? We have and we break them down on this week’s show and it looks a lot like “voodoo economics”. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/24/19

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How the new 401k rules will affect you! Do you know how to protect your inheritance from the government? Plus, What do the most recent studies say about 401ks. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/17/19

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What does 5g mean when it comes to your investments? Do you know the real story behind bitcoin? Plus, the single most powerful tool that’s inside your 401K! Finally, the single most important under debated topic in America right now! These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/10/19

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Do you need to change your current tax withholding? What’s more important timing the market or amount of time invested? A look at this year’s capital gains. Your social security could be changing if you’re a first responder. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 11/3/19

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Do you know the difference between a Coverdell education account and a 529 account? The biggest credit score myths finally debunked! 30-year mortgage vs a 15-year mortgage. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/27/19

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How Boeing is affecting the markets and why it’s important to be diversified. The big holes with the wealth tax proposals. 6 things you need to know before you get a mortgage. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/20/19

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The Social security announcement! How important are post tax and pretax assets in a divorce? Do you know how secure your state or federal pension is? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/13/19

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How accurate are the online social security maximizer calculators? Does charitable contribution still make a difference on your taxes? Should you sell your life insurance? Why the shotgun approach is an ineffective investment strategy. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 10/6/19

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Listen in to learn how to recession Proof your portfolio! What does impeachment mean for the markets and your investment accounts? Do you know the difference between value and growth companies? The latest news on the Secure Act in Washington? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/29/19

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Is there a battle raging between you and your spouse about how to get to retirement? Is there a battle of the trees in your household? Should you be invested in bonds or is cash a better alternative? Are you optimizing your social security? Listen to the show and find out how. The biggest trap when it comes to 401K loans. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/22/19

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Should you be looking at your account statements? We think so, listen and find out why. Want to become a 401K millionaire? Listen to the show and find out how. The biggest trap when it comes to 401K loans. These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/15/19

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Do lawyers affect your investment allocation? Do you fully understand all the expenses that come with an annuity? What were the returns of target date funds in 2018? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 9/8/19

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What inversion is rarer than an inverted yield curve? Is this markets volatility more dramatic than previous markets? Do you know what the Presidential Candidate tax proposals are? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/

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Do you know what you will need to retire comfortably? Do you wish there was a simple formula that could calculate how much you will need in retirement? Should you contribute to your 401k, IRA, or both? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/

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Do you know what an inverted yield curve really means? Ever wondered what truly defines a recession? Is Hong Kong affecting your investments? Should you change your investment strategy if a recession is on the horizon? These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/
originally aired 8/18/19

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Do you know how your social security is calculated? Ever wondered what your return would look like if you missed the 10 worst days In the market? Is there ever a reason to convert your Roth IRA into a Traditional IRA? These topics and more on our this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the month of August and the markets returns on previous August. In addition, Joel talks about the marriage tax penalty. Joel also talks about why it’s so important to stay consistent when it comes to investing. For more information, visit www.NelsonFinancialPlanning.com
originally aired 8/4/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about last week’s market and what happened during earing season. In addition, Joel talks about the secure act and what insurance companies are up to. Joel also talks about the real risk of retirement. For more information, visit www.NelsonFinancialPlanning.com
originally aired 7/28/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about 529s and how they can affect the beneficiary's FAFSA. In addition, Joel talks about China and what rules could be changing in the next few years. Joel also talks about the idea of freezing your child’s credit till they are 18. For more information, visit www.NelsonFinancialPlanning.com
originally aired 7/21/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what is going on with interest rates and how interest rates effect the markets. In addition, Joel talks about what the inverted yield curve really means. Joel also talks about bond funds and how most of them are cheating. For more information, visit www.NelsonFinancialPlanning.com
originally aired 7/14/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about whether you should roll your companies retirement plan into an IRA. In addition, Joel talks about the pros and cons of having your money in a company retirement plan and IRA. Joel also talks about what California is doing with your retirement. For more information, visit www.NelsonFinancialPlanning.com
originally aired 7/7/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the current markets level of volatility compared to previous markets. In addition, Joel talks about how to avoid probate. Joel also talks about the 10% early distribution penalty. For more information, visit www.NelsonFinancialPlanning.com
originally aired 6/30/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the Federal Reserve and what they’re thinking of doing with interest rates. In addition, Joel talks about long term care policies. Joel also talks about crypto currencies. For more information, visit www.NelsonFinancialPlanning.com
originally aired 6/24/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what it means when other countries have negative interest rates. In addition, Joel talks about what is changing with your 401ks. Joel also talks about Pot stocks, what you should look for and what you should watch out for. For more information, visit www.NelsonFinancialPlanning.com
originally aired 6/16/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what retirement bill Washington just passed 417 to 3. In addition, Joel talks about what the death of the stretch IRA means. Joel also talks about a couple reason why you should take your social security early. For more information, visit www.NelsonFinancialPlanning.com
originally aired 6/2/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what has changed in the financial services industry. In addition, Joel talks about how nice and prestigious U.C.F. is. Joel also talks about the increase of prices, also known as inflation. For more information, visit www.NelsonFinancialPlanning.com
originally aired 5/26/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the trade war with China and how much China really “owns the U.S.”. In addition, Joel talks about the latest study from Yale University. Joel also takes a call from a listener. For more information, visit www.NelsonFinancialPlanning.com
originally aired 5/12/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about how much your investment allocation really matters. In addition, Joel talks about how much a few tenths of a percentage can affect your dollar return. Joel also talks about social security tax and how to retain the most amount of your money in retirement. For more information, visit www.NelsonFinancialPlanning.com
originally aired 5/12/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the new unemployment rate and how it could possibly be the lowest unemployment rate in history. In addition, Joel talks about social security maximization and what that really means. Joel also talks about what could happen to social security in the next 15 years and what scams people are running to steal your social security. For more information, visit www.NelsonFinancialPlanning.com
originally aired 5/5/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about why index funds will never perform as well as the index they follow. In addition, Joel talks about how important liquidly is. Joel also talks about reits and why they might not be the best investment for retirement. For more information, visit www.NelsonFinancialPlanning.com
originally aired 4/28/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the adjustment of the tax withholding tables. In addition, Joel talks how much the cost of college has increased over the last 20 years. Joel also talks about how often people adjust their 401K. For more information, visit www.NelsonFinancialPlanning.com
originally aired 4/21/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about taxes and what will happen if you don’t have your taxes done by April 15th. In addition, Joel talks about getting a mortgage while in retirement. Joel also talks about cost basis on investments. For more information, visit www.NelsonFinancialPlanning.com
originally aired 4/14/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what to do if your spouse passes away. In addition, Joel talks about sustainable investments. Joel also takes and email from a listener about short selling stocks. For more information, visit www.NelsonFinancialPlanning.com
originally aired 4/7/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about how there is only two weeks left to do your taxes. In addition, Joel talks about the voluntary compliance rate. Joel also talks about what could be some easy red flags for the IRS on your taxes. Finally, Joel talks about the latest news from Washington. For more information, visit www.NelsonFinancialPlanning.com
originally aired 3/31/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about savings and how 42% of Americans are using their money. In addition, Joel talks about why your social security check could have gone down in 2019. Joel also talks about what the Fed holding interest rates steady means for investors and savers. For more information, visit www.NelsonFinancialPlanning.com
originally aired 3/24/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about some of the tactics the media uses to try and influence you. In addition, Joel talks about our newsletter that was recently sent out to our clients and posted on our website (https://www.nelsonfinancialplanning.com/from-the-desk-of-joel-garris/). Joel also talks about the markets current economic footing. Finally, Joel also hits on some taxes. For more information, visit www.NelsonFinancialPlanning.com
originally aired 3/17/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the 10-year anniversary of 3/9/2009 and what that means for your investments. In addition, Joel talks about the circumstances in which a child is eligible for social security. Finally, Joel also talks about how people with high income can still contribute to a Roth IRA. For more information, visit www.NelsonFinancialPlanning.com
originally aired 3/10/19

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On this episode, Joel Garris, of Nelson Financial Planning, talks about taxes and the changes they had in 2018. In addition, Joel takes a couple calls from a few listeners. Joel also compares gold to the broad-based market. Finally, Joel talks about pot stocks. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, compares this year’s tax returns to last year’s tax returns. In addition, Joel talks about the chances of you getting audited by the IRS. Joel also talks about how much millennials are currently setting aside for their retirement. Finally, Joel talks about the strong start to this year’s market. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, continues the conversation on the top 20 tax changes for 2019. In addition, Joel talks about how state governments are getting more involved in your retirement planning. Finally, Joel debunks some guaranteed retirement plans. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about bipartisan bills that Washington is purposing in regards to required minimum distributions. In addition, Joel talks about the new team member that joined Nelson Financial Planning. Finally, Joel talks about what we learned from our first client meeting of the year. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the super bowl market index. In addition, Joel talks about some actions that Washington is trying to take. Finally, Joel talks about what the market did in the month of January. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, takes a tax question from a caller. In addition, Joel talks about why journalism is dying. Joel also talks about the idea of increasing the taxes on the rich. Finally, Joel talks about what has and has not changed in the tax code. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, continues the conversation on the top 20 tax changes for 2019. In addition, Joel talks about how state governments are getting more involved in your retirement planning. Finally, Joel debunks some guaranteed retirement plans. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the 10 best consecutive market days in the past decade. In addition, Joel talks about the new standard being held at Nelson Financial Planning. Finally, Joel talks about the top tax changes for 2019. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what happened in the 4th quarter of 2018. In addition, Joel talks about how short index annuities fall compared to the broad based markets. Finally, Joel talks about trends for 2019. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what the main stream media has been saying about the market. In addition, Joel talks about the difference between a bear and bull market. Finally, Joel talks about the fearless forecast from last year and the new prediction for 2019. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what has been going on in the market and how the Federal Reserve has affected it. In addition, Joel talks about why you should expect heightened volatility over the next few weeks. Finally, Joel talks about what you as an investor can do in this volatile market. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about individual investors impatience and where Joel gets his information from. In addition, Joel talks about what the market did last week and a few things you should look over before retirement. Finally, Joel talks about state funded retirement plans. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what is going on with the current “inverted yield curve”. In addition, Joel talks about what recessions have looked like in previous years. Finally, Joel talks about what your allocation should look like going into retirement. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about why it is impossible to predict what the market is going to do on a daily basis. In addition, Joel talks about how this year’s taxes will be different from previous years. Finally, Joel talks about a very powerful tax technique. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the runaway freight train in the financial services industry. In addition, Joel talks about the best ways to start getting your financial life in order. Finally, Joel talks about a very powerful tax technique. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the new rules are for your 401k and IRA. In addition, Joel talks about the pecking order in which you should invest your money. Finally, Joel talks about how some companies are getting active in their employees student loan debt. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what has happened after the midterm elections and what we can be hopeful for. In addition, Joel talks about the five part process behind personal financial planning. Finally, Joel talks about behavioral coaching and why the average individual return is so much lower than the average markets return. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the recent volatility in the market and what the relationship is between the good and bad days. In addition, Joel talks about the nation’s debt and how interest rates affect that debt. Finally, Joel talks about politics and why we are so excited for Wednesday. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what the bench mark return for your investments needs to be. In addition, Joel talks about how important diversification in your portfolio is. Finally, Joel talks about why it is so important to not deviate from the plan. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about what the bench mark return for your investments needs to be. In addition, Joel talks about how important diversification in your portfolio is. Finally, Joel talks about why it is so important to not deviate from the plan. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the current price to earnings ratio. In addition, Joel talks about social security and the spousal benefits that come with it. Finally, Joel talks about how millennials are investing their money and the current status of the housing market. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the recent volatility in the market and why it is normal. In addition, Joel talks about how portfolio managers are compensated and why it’s a big problem for 80% of fund companies. Finally, Joel talks about the 10-year return number and what it is really telling you. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, compares the old rule of selling your house to the new rule. Joel also discusses the step-up basis. In addition, Joel talks about how annuities work. Finally, Joel talks about how you make up for lost time. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris, of Nelson Financial Planning, talks about the week that was and the publics’ views on the stock market. Joel also discusses life insurance. In addition, Joel talks about the WABUA. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, talks about how much technology is affecting our lives. Joel also discusses some politics and what the midterm elections means. In addition, Joel takes a question from a listener. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, talks about how much money you will really need in order to retire. Joel also discusses what new legislation Washington is proposing concerning your 401k and IRA. In addition, Joel also talks about why you shouldn’t give up on Global Economy funds just yet. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, talks about the 10th anniversary of 2008 and how it still affects us to this day. Joel also talks about the changes that were made to your tax deductions. In addition, Joel also takes a call from a listener and answers some personal questions about mortgages. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses the differences between stock buybacks and dividends and why more companies have shifted to stock buybacks. Joel also talks about the IRS and commonly made IRA mistakes. In addition, Joel also talks about the radio show and how Dollars and Sense is moving to 93.1FM. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses some politics, Donald Trump and interest rates. Joel also talks about how the economy did over the past week. In addition, Joel discusses Aretha Franklin and what to do with your investments before you pass. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, talks about Nelson Financial Planning’s latest award. Joel then hits on a little bit of politics and interest rates. In addition, Joel discusses how the economy did over the past week and how Walmart affected the Dow Jones industrial average. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses the topic of home ownership. He also discusses what teachers need to watch out for and why they are being prayed on. Joel hits on the major pit falls of annuities and why they are being pushed by the financial industry. In addition, Joel gives a mid-year economic breakdown. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses why it is important not to neglect you 401K. He also discusses the return gap. Joel hits on a possible change in capital gains tax and reported earnings in the week that was. In addition, Joel talks about common social security mistakes. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses the changes Washington is proposing to make to your 401k. He also discusses the difference of Growth vs Value and the importance of diversification. In addition, Joel hits on the Florida prepaid college savings plan. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses the performance of last week’s market and what to expect in the upcoming week. He also discusses what not to do with your 401k or 403B. In addition, Joel answers follow up questions from last week’s show. Joel also compares last year’s tax code to this year’s new tax code. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses the performance of last week’s market and what to expect in the upcoming week. He also talks about Simple or Savings Incentive Match Plan for Employees IRA. Joel talks about some of the “must” for estate planning. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses the difference between ETFs and mutual funds. He also discusses better ways to manage your 401k. Joel talks about the growing concern of how to replace your income in retirement. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses how well the American economy is doing compared to the world economy. He also discusses the changes in the new form tax 1040. Joel talks about the growing concern of how to replace your income in retirement. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses how debt can prevent you from retiring. He also discusses the changes forth coming relating to the Dow Jones. Joel talks about changes in the new tax code involving home equity loans and 529s. Lastly, Joel discusses the fluid situation relating to tariffs between the US and China. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning, discusses what millennials are doing wrong with their investments and suggests several strategies that can be utilized to expedite your retirement. He also discusses the differences between a rollover and transfer of assets and the benefits and disadvantages between them. Lastly, Joel discusses the true cost of your investments. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning talks about the latest news that Social Security is having to tap its reserves this year to make payments. His son and office intern, Nelson Garris, joined him to talk about the implications of autonomous vehicles. Joel also describes the decision making process for paying down a mortgage and the difference between fee only and fee based investor costs. For more information, visit www.NelsonFinancialPlanning.com

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On this episode, Joel Garris of Nelson Financial Planning talks about the history and basis for the general rule that one can estimate their annual retirement income by calculating 4% of their assets. He also describes some of the steps people should take to get ready for retirement plus recaps the past week in the markets. For more information, view www.NelsonFinancialPlanning.com

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On this episode of Dollars & Sense Joel interviews Brad Rutan of MFS Investments about the process used by an actively managed mutual fund.

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On this episode Joel talks about Mid-Term Election Year Stats & Poor Investing Habits of Millenials!

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On this episode Joel talks about the DOW 25,000 - Volatility Beware!