by Lance Roberts
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| Most people think about taxes once a year. Smart investors think about them every year. RIchard Rosso & Sarah Buenger break down the critical difference between tax preparation and true tax planning, and why that distinction could be worth thousands of dollars to your portfolio over time. We'll walk through real-world anonymous case studies from our client work, including how we helped one client sell nearly half of a concentrated stock position while staying entirely within the 0% capital gains bracket. We also cover Roth conversion timing, IRMAA bracket management, tax-efficient withdrawal sequencing, portfolio migration strategies, and proactive planning for stock options and restricted stock. Whether you are accumulating wealth or drawing it down, understanding how these levers work together is what separates a good financial plan from a great one. #TaxPlanning #WealthManagement #RetirementStrategy #CapitalGains #RothConversion |
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3-19-26 The Fed Is STUCK… And It’s Worse Than You Think
2026-03-19
It’s not just about rates — it’s about uncertainty + second-order effects.
Oil acts like a tax on consumers. They start spending less elsewhere. That hits earnings, growth, and markets.
At the same time, oil can still keep inflation elevated.
So you get a messy combo: slowing growth + sticky inflation = policy paralysis.
With this uncertainty, the Fed has no clear path forward.
For now, they are in wait-and-see mode, watching how conflicting forces (oil, inflation, growth) play out.
📺Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
2-3-26 The Trap of Chasing Returns
2026-02-03
Most investors don’t blow up because they “didn’t know enough.” They blow up because they frame the decision wrong.
Lance Roberts & Jonathan Penn break down narrow framing—the behavior where investors judge one investment in isolation (“Why don’t I own that?”) instead of evaluating results through the entire portfolio and a long-term plan.
When something becomes “hot,” it feels obvious, safe, and inevitable. But return-chasing often ends the same way: buying after a big run, then selling after the first real drawdown. That cycle turns investing into reaction instead of strategy—headlines instead of planning, emotion instead of discipline.
0:00 – INTRO
0:19 – ISM Manufacturing Feed Reflation Narrative
4:15 – Sector Rotations Worth Watching
8:20 – Markets Continue in Rising Trend
13:24
The Market Cycles Potentially Driving 2026 Returns
2026-02-02
Market cycles are once again at the center of the investment narrative as we head into 2026. The optimism is familiar as earnings held up in 2025, the economy avoided recession, and big tech lifted the indexes. However, those victories are already reflected in the price. As we head into 2026, with valuations extended, the …
Meta And Microsoft: Great Earnings But Different Results
2026-01-30
On the heels of strong fourth-quarter earnings reports, Microsoft is opening down 8%, while Meta is trading up 10%. Microsoft topped expectations for earnings and revenues. However, there is some concern about its total cloud revenue. They reported cloud revenue of 26% versus expectations of 28-29%. That said, their leading cloud computing product, Azure, grew …
The “Double Bubble”
2025-12-13
🔎 At a Glance 💬 Ask a Question Have a question about the markets, your portfolio, or a topic you’d like us to cover in a future newsletter? 📩 Email: [email protected]🐦 Follow & DM on X: @LanceRoberts📰 Subscribe on Substack: @LanceRoberts We read every message and may feature your question in next week’s issue! 🏛️ …
12-11-25 The Fed’s Surprising ‘Dovish Cut’ Explained
2025-12-11
➢ Listen daily on Apple Podcasts: The Fed delivered a far more dovish cut than markets expected.
In this short video, Michael Lebowitz and I discuss why Powell’s tone shifted, what he revealed about jobs and inflation, and why this matters for markets now.
📺Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
12-9-25 Dealing with Debt & Smart Money Moves
2025-12-09
Debt can reshape a family, fracture relationships, and derail financial goals — especially when fraud or addiction is involved. Lance Roberts & Jonathan Penn address the importance of protecting your credit and financial future, and share four “good enough” financial moves to simplify money management without sacrificing results…strategies to cut through the noise and help you stay on track with less time, less stress, and fewer decisions.
0:00 – INTRO
0:19 – Fed Day Preview – Fed Grammar Matters
5:10- Market Weakness is No Surprise
9:11 – The Myriad Versions of Credit Scores
11:15 – Check Your Credit Report Regularly
15:11 – Improving Your Credit Score
17:12 – Freezing Your Credit
18:38 – THe Credit Card Trap
24:21 – Mrs. Roberts’ Christmas Decor
26:54 – Reverse Budgeting
30:42 –
10-29-25 Bitcoin: Speculation, Blockchain, & the Future of Money
2025-10-22
Why has Bitcoin captured the attention of investors and innovators alike?
Lance Roberts & Vinay Gupta break down what makes Bitcoin unique — from its blockchain backbone to its role as currency, commodity, and speculative asset. We’ll explore how to think about Bitcoin in a diversified portfolio, what risks investors need to understand, and why blockchain may reshape how business is done in the future.
#BitcoinInvesting #BlockchainTechnology #FutureOfMoney #DigitalAssets #FinancialEducation
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