7-30-24 Why Market Comparisons Can Hinder Your Portfolio’s Performance

2024-07-02

You’ve got questions, we’ve got answers!
RIA Advisors Director of Financial Planning, Richard Rosso, CFP, and Senior Financial Advisor, Jonathan Penn, CFP, field questions from our YouTube audience:

0:00 – Intro/Disclosure
1:29 – Why we started Candid Coffee
3:45 – Market Commentary – High Complacency, Low Volatility; Americans have churned through savings cushion of $2-Trillion; Incomes peaked at 2020, and have now gone negative; prices remain high, but rate of change (PCE inflation) is flat.
9:30 – Impact of AI; more volatility coming in 2025.
14:00 – Discussion on energy and alternative streams. Anticipating what’s going to happen next.
19:10 – Social Security: What’s the viability/Financial health?
30:18 – Any changes in % Return build into RIA Plans based on current yields &

2024-06-28

Delaying Social Security can make a huge difference, especially for spouses with unequal contributions. Consider your partner when making claiming decisions. #SocialSecurity #Retirement

Richard Rosso discusses the implications of delaying Social Security benefits with a focus on considering the financial needs of your spouse. Learn key insights into why this decision needs careful thought, especially when there’s a significant income gap between partners.
– The impact of a younger spouse with lower Social Security contributions
– Importance of considering your spouse in claiming decisions
– Statistics on men making unilateral Social Security decisions
– Issues with taking Social Security benefits early
– The importance of joint decision-making for financial security

➢ Listen

2024-06-25

Fed speakers are out this week, talking the same game. Lance examines corellation between the Chicago Fed National Activity Index and economic growth, and what posts to X (formerly known as Twitter) are to be called. Who does the Fed depend upon for data? There are many divergences in the data; Nvidia’s bad day(s): Stock split and 13% drop is a correction, not a crash. Doing the math to S&P 6,300 and looking at the range of possibilities. We address the common investor’s desire for a perfect low-risk, high-reward investment. Lance & Jon discuss the unrealistic expectations and the growing demand for such ideal investments in today’s market and economy: The search for a magic pill investment; expectations versus reality in market investments; economic uncertainty driving demand for

2024-04-23

Don’t miss out on potential benefits by taking Social Security early. Consider the long-term financial impact for you and your spouse. #financialplanning #retirementplanning

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2024-04-19

Financial planning goes beyond just saving money. It’s about considering all aspects like taxes to help you keep more money in the end. #moneymanagement #financialplanning

Maximize your savings and navigate the complexities of financial planning with expert guidance from Michael Lebowitz. Dive into strategies and critical insights to secure your financial future in our latest episode.

– Exploring the various methods of accumulating wealth for the distribution phase of finance.
– Understanding the importance of saving and planning for long-term financial security.
– Recognizing the often-overlooked aspects of financial planning on the journey to wealth.
– Preparing for the back end elements that are crucial to successful financial management.
– An in-depth discussion about tax

2024-04-15

Tax Day woes and audit fears; earnings season commences; What are companies saying? No corporate buybacks, removing major buyers of assets; pay attention to companies’ guidance. Markets last week failed at 20-DMA, and tested 50-DMA as momentum slowed. Is not the time to sell? Use any bounce to rebalance risk, but avoid any knee-jerk reactions. Could this be a "buy-the-dip moment?" Lance’s favorite bowl is like the market: There’s a hairline crack. Inflation has been stickier, and higher-for-longer interest rates have been too high for too long. Preview: Tuesday’s article on the Reflation Trade; how can every other country in the world have deflation while the U.S. continues to have inflation? Productive debt sv non-productive debt. Get ready for Tax Season impact on the market; more

2024-04-08

Eclipse-mania is out of control. Fed speakers confirm they’ll cut rates, but in no rush to do so. Jobs numbers tantalize markets; the impact of immigration on employment. Boomers & Gen-Z plans to splurge on groceries in 2024. Markets takeout the 20-DMA; will the break be confirmed this week? Putting Inflation into proper perspective; the three measures of inflation. The economic basics of Supply & Demand (and their impact on inflation). Your personal inflation is not the same as mine. What markets pay attention to (CPI). How to fix the power grid: Productive vs un-productive debt. Forgiving student loan debt doesn’t make the debt go away; taxpayers will shoulder the burden of the unpaid debt.

3:14 – Solar Eclipse Day; Markets Test 20DMA
15:40 – The Three Measures of Inflation
30:17 –