by Lance Roberts
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| Are you retirement-ready — or just retirement-adjacent? In this month's Candid Coffee, Richard Rosso & Danny Ratliff tackle your biggest questions on taxes, income, risk management, and wealth protection so you can retire with clarity and confidence. From Roth conversions and HSA strategies to variable annuities, derivatives, and trusts, we cover the full spectrum of retirement planning in plain English — no jargon, no sales pitch, just candid advice over coffee. Key Topics Covered: 0:00 - INTRO 1:18 - Roth Conversion & Taxes After Retirement 10:34 - How to prepare for retirement, but want tax benefits now? 16:30 - Annual Conversions of SEP IRA to Roth IRA 17:54 - Withdrawal or loan for big-ticket items? 20:40 - HSA Contributions to reduce taxable income 23:20 - Variable annuities, RMD's, and IRA's 28:25 - LTC and Hybrid Insurance Policies 35:21 - Variable Annuities & Insurance Company viabilities 39:03 - 401k and NUA's 41:12 - 59 & Retired - What is RIA doing in current market? 43:12 - The Three Musketeers of Retirement Income 47:22 - How to best monitor Credit? (Cloaked) 49:44 - Structuring Trusts to Protect Assets 50:58 - Best way to hold Gold and Silver 53:06 - Massive Rise in Derivatives Use: Puts vs Calls 54:10 - How We're Reducing Risk/Managing Volatility ➢ Listen daily on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-real-investment-show-podcast/id1271435757 ➢ Watch Live Mon-Fri, 6a-7a Central on our Youtube Channel: www.youtube.com/c/TheRealInvestmentShow ➢ Upcoming personal finance free online events: https://riaadvisors.com/events/ ➢ Sign up for the Newsletter: https://realinvestmentadvice.com/newsletter/ ➢ RIA SimpleVisor: Analysis, Research, Portfolio Models, and More. https://www.simplevisor.com/register-new Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Markets #Money #investment_advice #RetirementPlanning #RothConversion #FinancialFreedom #RetirementIncome #CandidCoffee |
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The market is deeply split.
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This is a risk management environment where trimming extended cyclicals and rebalancing exposure may matter more than chasing momentum.
📺Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
Register for Our Next Candid Coffee
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Our next Candid Coffee is set for Saturday, February 21, 2026 at 8am with Richard Rosso & Danny Ratliff. It’s an open-forum, kitchen table kind of conversation about what’s on your mind, financially. We’ll launch the conversation with a discussion about annuities, but really, anything is game.
Register today at this link: ttps://streamyard.com/watch/Wq3Yvn9ny5GV
#CandidCoffee #Registration #Annuities
Software Or Staples?
2026-02-09
As we wrote in yesterday’s Commentary, efficiently rotating between overbought and oversold sectors, factors, or stocks is a well-established method for outperforming markets. Like any strategy, the hard part is timing, or properly estimating when a pair of sectors, factors, or stocks is about to reverse their respective trends. Currently, there is a massive divergence …
The Real Investment Show
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REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:"
https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator
12-17-25 Earnings Revision Risk Explained
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Markets are priced for perfection heading into next year. Earnings expectations are unusually high. If those forecasts get revised lower, the market will have to reprice quickly.
In this short video, Lance Roberts explains why high valuations and aggressive earnings forecasts create real revision risk if results fail to measure up.
📺Full episode: -vnHx4Eg
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Tom Allen, our Senior Benefits Consultant, and Tom Pohlan, the Regional Director with Retirement Plan Consultants, explore how small business owners can create effective retirement plans that benefit both employees and owners.
Starting with Simon Sinek’s “Start with Why” framework, we’ll discuss why offering a retirement plan isn’t just a perk—it’s a powerful financial strategy for growth, retention, and tax efficiency.
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Why businesses should care about offering retirement plans
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The chart below, courtesy of Apollo’s Torsten Slok, shows that small-cap companies with negative earnings have outperformed small-cap companies with positive earnings by about 30% since early April. Per Torsten: “Something remarkable is going on in the equity market. Stock prices of companies with negative earnings have in recent months outperformed stock prices of companies …
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