With a new administration in Washington and control of Congress shifting, tax reform is once again a high-stakes issue for investors and business owners. RIchard Rosso & Matt Doyle analyze what’s on the table—proposals to adjust capital gains rates, reduce or expand corporate tax burdens, and modify personal income brackets. We’ll break down where negotiations stand, what’s likely to change, and how gridlock could delay progress. This episode is a must-listen for anyone trying to position their portfolio ahead of potential tax legislation.

Hosted by RIA Advisors DIrector of Financial Planning, Richard Rosso, CFP, w Senior Relationship Manager, Matt Doyle
Produced by Brent Clanton, Executive Producer
——-
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Being a single mom means wearing every hat—and that includes the CFO of the household. In this special Mother’s Day edition of The Real Investment Show, Richard Rosso & Matt Doyle offer tailored financial planning advice for single moms, covering essential strategies for budgeting, building an emergency fund, managing debt, and long-term investing. Whether you’re raising toddlers or teenagers, this episode is filled with actionable money tips designed to help you gain confidence, control, and financial independence. It’s not just about surviving—it’s about thriving.

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Relationship Manager, Matt Doyle
Produced by Brent Clanton, Executive Producer
——-
Watch today’s video on YouTube:

With all the focus on trade tariffs, we should not lose sight of the fact that some trade deficits are okay to have, and in some cases, needful things.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
——-
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The Federal Reserve kept its stance firmly hawkish at their latest FOMC meeting — but what does that mean for stocks, bonds, and the economy? Lance Roberts & Michael Lebowitz break down the Fed’s latest interest rate decision, Jerome Powell’s comments, and the immediate market reaction, covering key sectors impacted, investor sentiment shifts, and the Fed’s outlook for inflation, growth, and monetary policy going forward. Lance and Michael discuss why Fed Head Jerome Powell was surprised by the Trump Tariffs, the relative strength of the dollar, and how the economy is "normalizing" with "higher" interest rates. Lance and Michael also discuss the merits of Ai with Apple & Google, and the multiplier effect artificial intelligence will produce for supporting industries; the importance of

Warren Buffett always says, ‘buy-low, sell-high,’ which is often easier said than done, and intellectually we know things will eventually get better. The question is not ‘how long do you have to wait,’ but ‘how long can you wait" for the upturn to come?

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
——-
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The Federal Reserve Open Market Committee meeting concludes this afternoon; expect some volatility. As the U.S. pushes forward with new tariffs and a tougher trade stance, China appears to blink — signaling potential cracks in its economic armor. Lance Roberts and Danny Ratliff dive into the latest developments in the U.S.–China trade conflict, why China is making strategic concessions, and what it means for global markets, supply chains, and future negotiations. Danny reviews his trip to South Africa, and they discuss the possible impact of AI on employment; market dynamics are being pulled by two forces: older, more bearish investors, and youthful, more bullish types; dealing with investor exhaustion. The first fallout from the GLP-1 craze is Weight Watchers’ bankruptcy; health =

What do the latest economic reports indicate about the strength of the economy? How do commodities like Gold and Oil relate to the US Dollar? Are there effective strategies for avoiding taxes in retirement?

RIS Advisors Director of Financial Planning, Richard Rosso, CFP, is joined by our Portfolio Manager, Michael Lebowitz, CFA, to answer these and other question in this live-chat edition of our popular Candid Coffee series:

INTRO
2:10 – Employment Numbers Reviewed & Fed Meeting Preview
7:22 – Michael’s Market Commentary
15:19 – Why use SH instead of the HELO ETF for hedging?
19:53 – Dealing with headline bombast
25:00 – Michael’s Commodity Commentary: Gold & Oil
28:18 – Bond Talk
34:00 – There’s a Place for Cash
36:15 – Sell Disciplines Explained
39:41 – Premature Distribution

Investing in a fixed income (bond) portfolio can guarantee precisely what your return will be on a future date.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Advisor Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
——-
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Think you’re getting "free" investment advice? Think again.
Lance Roberts and Jonathan Penn uncover the hidden costs behind so-called "free" financial services.
Learn how mutual fund share classes — A shares vs. B shares — reveal how advisors get paid, and why front-end and back-end loads can quietly erode your returns.
If you’re not sure who’s paying the fees, it’s probably you.
Know the questions to ask to protect your investments and grow smarter.

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
——-
Articles mentioned in this report:
"Resistance Is Futile” – For Both Bulls And Bears"

➢ Listen daily on Apple Podcasts: Why is Warrent Buffett’s Berkshire-Hathaway sitting on $380-Billion in cash? He’s positioning himself to take advantage of the next buying opportunity. Be like Buffett.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,
Produced by Brent Clanton, Executive Producer
——-
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May begins and stock buy backs return; earnings season has been okay, on lowered expectations. Employment report is stronger than expected, but showing slippage. Lance Roberts explores why resistance levels are challenging both bulls and bears in today’s volatile market. Over the past two weeks, the market has had a furious nine-day rally, the longest winning streak in 21 years. However, there are two takeaways from such a historic advance. First, it is “bullish” as investors return to the market. However, investors should also recognize that if the rally is the longest in 21 years, then previous such rallies failed. As shown in the chart below, there have been longer rallies, with 14 trading days being the peak. But in every case, it is worth remembering the following:

“Record levels’

Why are Americans drowning in debt? In today’s episode, Jonathan McCarty and Matt Doyle uncover the real story behind ‘Doing Debt the American Way.’ Jonathan and Matt discuss the financial implications to Buy-now/Pay-later plans, how to save money at home, and the choices consumers are making to make ends meet.

3:13 – China’s Long Game with Tariffs
14:41 – Debt American Style
30:28 – How to Save Money at Home
44:43 – First time Investing for the Younger Crowd

Hosted by RIA Advisors Senior Financial Advisor Jonathan Penn, CFP, Senior Relationship Manager, Matt Doyle, CFP
Produced by Brent Clanton, Executive Producer
——-
Articles mentioned in this report:
"The Path Ahead: Soar, Stall, Or Plummet"
https://realinvestmentadvice.com/resources/blog/the-path-ahead-soar-stall-or-plummet/

Bond yields are rising — but why now, and what does it mean for your investments?
In this episode, we break down what’s driving Treasury yields higher, how the Federal Reserve and inflation expectations are playing a role, and what the risks (and opportunities) are for stocks, bonds, and the broader economy.
Stay ahead of market shifts with expert insights and practical strategies for the changing rate environment."

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA
Produced by Brent Clanton, Executive Producer
——-
Articles mentioned in this report:
"A Rare Zweig Breadth Thrust Provides Optimism"
https://realinvestmentadvice.com/resources/blog/a-rare-zweig-breadth-thrust-provides-optimism/
"Correction Continues – The

Companies that are participating in the buy-now, pay-later trend may be playing with fire because the risk pool is an unknown quantity of potential liability: If a borrower defaults, how do you recover your loss?

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,
Produced by Brent Clanton, Executive Producer
——-
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Why is the trade deficit at record levels?
Lance Roberts breaks down the record-setting U.S. trade deficit and its far-reaching implications. From global trade imbalances and currency pressures to the potential impact on interest rates and inflation, we unpack what this growing deficit could signal for the U.S. economy in 2025.

Lance Roberts explores:
How the trade deficit affects GDP and growth
Whether trade surpluses or deficits are “bad” for the economy
Key sectors driving the imbalance
What investors need to watch going forward

3:08 – Be Careful in May (and don’t go away)
15:12 – The Problem with Buy Now-Pay Later
30:23 – The Truth about "Tariff-fueled" Inflation
44:42 – What Markets Really Care About
53:25 – Market Open Preview

Hosted by RIA Advisors Chief Investment Strategist

Understanding risk and what it takes to make up for losses is a key function in investing. Getting back to break-even is harder than it first appears.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
——-
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Are you wondering if you should stay invested during today’s market volatility? Lance Roberts and Jonathan Penn dive into why staying the course could be your best long-term strategy — and when it might make sense to rethink your plan. Whether you’re worried about a market correction or planning for the future, we’ll help you navigate through the noise with smart, practical advice.

🔔 Subscribe for more insights on investing, financial planning, and market strategy!

👉 Topics covered:

Stay the course investing strategies

How to manage market volatility

Long-term investment planning

Key signs it’s time to adjust your portfolio

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
——-
Articles mentioned in this

A review of a bell curve of event probabilities places financial armageddon at the extreme end of the scale of events likely to occur. Best to focus energies (and investments) over those area which we can control.

Hosted by RIA Advisors Chief Investment Strategist, lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
——-
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The market correction continues, and understanding the value of risk management is more critical than ever. Lance Roberts breaks down why market volatility is a normal part of investing, how risk management strategies protect your portfolio, and practical steps you can take today to stay disciplined. Learn how to navigate downturns, control emotions, and plan for long-term success.

Key Topics:
• Market correction insights
• Importance of managing investment risk
• Risk management strategies during volatility
• How to avoid emotional investment decision

3:15 – Correction Likely to Continue
14:35 – Now is a Good Time to Reduce Risk
30:25 – For Every Buyer there’s a Seller
44:37 – The Probabilities of Armageddon

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO

Roth "evangelism" is taking hold across the country as more and more discover the wisdom of converting traditional 401k and IRA’s to "Roth’s," paying taxes now so that funds accrue tax free.

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty
Produced by Brent Clanton, Executive Producer
——-
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Are you contemplating a Roth IRA conversion in 2025?
With potential tax rate increases on the horizon, now might be the optimal time to act. Richard Rosso and Jonathan McCarty delve into:​
* The benefits of converting to a Roth IRA before 2026
* Strategies to minimize taxes during conversion
* How Roth conversions can impact your retirement planning
* The role of Roth IRAs in estate planning​
Rich and Jonathan explore how a Roth IRA can offer tax-free withdrawals, eliminate required minimum distributions (RMDs), and provide greater flexibility in retirement. We’ll also discuss the implications of the Tax Cuts and Jobs Act expiring in 2026 and how that affects your decision-making.​

3:09 – Why China Needs the U.S.
14:44 – Roth Evangelism
30:35 – Planning for Longevity in Retirement

There is no certainty on where we go from here. Don’t forget to take profits, don’t forget to hold cash so that you can redeploy when prices are lower.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
——-
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Will the market soar to new heights, stall in uncertainty, or plummet into correction?
Lance Roberts & Michael Lebowitz break down the key drivers that will shape the economy and stock market in the months ahead. From Federal Reserve policy shifts to earnings forecasts, geopolitical risks to liquidity conditions—this is your investor’s guide to what’s next. Whether you’re managing a portfolio or planning your financial future, this episode offers data-driven insights and strategic foresight you won’t want to miss.

2:26 – The Burrito Economic Indicator
14:01 – Three Paths Forward for Markets
29:51 – Bear Market vs Bull Market: Putting Markets in Context
43:55 – Is a Liquidity Crisis Brewing?

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager

Too many investors wait until too late to buy into the market at a specific number or price. You don’t need to know the address, so long as you’re in the right neighborhood.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
——-
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On today’s show, Lance Roberts & Danny Ratliff dig into the growing tensions between Donald Trump and Fed Chair Jerome Powell. Should Trump fire Powell? What would it mean for interest rates, inflation, and market stability? Join me as we explore the politics behind the Fed, the potential fallout for investors, and what history tells us about presidential pressure on the central bank.

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior FInancial Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
——-
Watch today’s video on YouTube:

Do you know what’s in your portfolio? Lance Roberts explains the beauty of mortgage-backed bonds, which most investors do not understand, underscoring the importance of knowing (and understanding) what all are in your holdings.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
——-
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We’re not exactly going where no man has gone before, but a recent piece in Forbes.com caught our eye, and it’s worth…exploring. Lance Roberts and Jonathan Penn blend a little pop culture with personal finance on today’s episode: What if logic—not emotion—guided your financial decisions? How might the legendary Vulcan’s rational mindset be applied to modern investing. From avoiding behavioral biases to making objective portfolio decisions, we break down what it truly means to invest like Spock. Whether you’re a die-hard Star Trek fan or just looking for smarter money habits, this episode blends pop culture with practical financial wisdom. Live long—and invest logically.

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior FInancial Advisor, Jonathan Penn,

Is the dreaded death cross a warning sign—or a buying opportunity?
In this episode, I break down what the death cross really signals for the stock market and whether it reliably marks a market bottom or just more volatility ahead. We’ll look at historical patterns, technical analysis indicators, and investor behavior during past bear markets. If you’re trying to navigate through the noise and make smarter investment decisions, this episode is for you. We also deal with an electrical power outage in the third segment, resulting in a truncated show.

3:07 – Markets Are Working Thru Retesting
14:51 – Be Careful of Rationalization
30:31 – The Death Cross Explained
43:57 – Campfire Tales
45:03 – The Death Cross concluded

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts,

What makes portfolio management so hard? It’s not what you think. Managing a portfolio isn’t just about picking winners — it’s about managing risk, emotions, and market timing. We’ve written about these things before…and now, here we are.

Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
——-
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Markets could experience volatility today as options expire; healthcare stocks are also being sympathetic to UnitedHealthCare’s unhealthy quarterly report and performance of weight loss drug makers’ stocks. Markets are recovering from recent lows: Did the "Death Cross" mark the bottom? Federal Reserve Chair Jerome Powell’s recent remarks criticizing President Trump’s tariff policies, highlighting their potential to exacerbate inflation and slow economic growth has reignited tensions between Powell and Trump, reminiscent of their earlier disputes during President Trump’s first term.​ UnitedHealthCare is struggling with Medicare and Medicaid costs; drug stocks are part of a sector rotation story that includes weight loss pills and clinical trials; Lance and Michael discuss the relative