Category Archive: 9a.) Real Investment Advice

Consider this the money talk your Dad would have given you if he knew everything about running a business. Jon Penn and Tom Allen provide straight-talking advice, walking you through exactly how to build a benefits and retirement strategy that works for you AND your employees. No jargon. No sales pitch. Just the kind of honest, experienced advice two dads would give their own kids sitting across the kitchen table. #TwoDadsOnMoney...

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Despite rising geopolitical tensions and constant headlines about the Iran conflict, the stock market has remained largely range-bound. One key reason is aggressive retail dip-buying. Data from order-flow activity shows retail investors piling into stocks and ETFs at the highest levels in years, stepping in on nearly every pullback. While the index appears flat, rapid rotations between value and growth are creating opportunities beneath the...

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Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much...

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Passive investing is often misunderstood. Many investors believe buying ETFs makes them passive, but frequent trading, sector rotation, and performance chasing turn it into active behavior. Instead of picking individual stocks, investors are actively trading baskets of stocks. As the late John Bogle warned, the ability to trade ETFs intraday encourages investors to act on emotion and timing decisions. The result is that many “passive”...

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Markets often become complacent during strong rallies, with investors focusing on bullish narratives while ignoring potential risks. Last year, the dominant story was AI, while this year the debate has shifted to whether massive CapEx spending will actually translate into real revenue growth. However, unexpected events—such as geopolitical tensions with Iran and rising oil prices—can quickly challenge those narratives and force markets to...

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Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP...

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While headlines are dominated by the Iran operation, important economic data beneath the surface is showing improvement. Manufacturing has moved back into expansion territory, the services sector is seeing a sharp increase in activity, and recent employment data came in stronger than expected. These signals suggest economic momentum may be strengthening after a softer period at the end of 2025. At the same time, prices paid in the services...

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Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle

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Geopolitical tensions with Iran sparked fears that a shutdown of the Strait of Hormuz could send oil prices sharply higher. But markets have been calmer than expected. After briefly spiking above $80, oil pulled back to around $74 as Trump’s response helped stabilize shipping risks. While higher oil prices could temporarily push up gasoline prices and create short-term inflationary pressure, energy is not the primary driver of the CPI, which...

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Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts,...

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Markets aren’t under pressure just because of Iran. The bigger issue is stress building in private credit. Blackstone’s large private credit fund is facing record redemptions above its limits, following earlier cracks in the sector. That raises liquidity concerns and is weighing on technology stocks. Geopolitical headlines grab attention, but tightening credit and redemption pressure are the real risks investors should be watching right now....

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