401k participation, poor returns, poor participation, critical issue, human capital machine, providi

2024-07-16

Want to make your cash work for you? Buy back shares at a better price! But the real challenge is knowing when to get out and when to buy the dip. #InvestingTips 💸📈

Want to learn more? Subscribe to our YouTube channel = @ TheRealInvestmentShow

2024-07-02

Lance previews Q2 GDP estimates: The lag effect is showing up in GDP Estimate revisions, as the economy slows. The difference betweeen Inflation vs Deflation: The rate of change is slowing, but prices are remaining high. Commentary on interest rate behavior at end of Quarter; quarter-end rebalancing and dividend payments. The next chapter in the saga of the Roberts’ Rental house; kudo’s to Abacus Electrical, raspberries to Centerpoint Energy. The best way to beat earnings estimates: Lower the bar for expectations. The normal beat rate is about 75%. What is the true value of a financial advisor? Not to be confused with a portfolio manager (Doctors vs Coaches). A brief discussion of Tex-Mex, BBQ, and Houston as a food mecca; the value of a financial planner to a family.

3:13 – Inflation

2024-06-28

Why re Mrkets nd the rel economy ml-ligned? A tle of two prties in how Americns re fring finncilly.
Re-thinking frivolous spending: How we blew through our svings. If you’re in the mrket, you’re loving it: 31-dys of ll-time highs (so fr) in 2024. Rich nd Mtt discuss decision-mking when pproching retirement: The myths bout tking Socil Security erly. Rich & Mtt ponder who’ll be the next Jmes Bond; timing your retirement, nd considertion of spousl benefits: Clculting the difference in delyintg Socil Security. The gol of Socil Security: Wht if you live? Visulizing lifestyle, money scripting, nd longevity. Wht is the optimum time for finncil plnning? It’s never too soon.

3:18 – A Tle of Two Prties – How Americns Are Firing Finncilly
14:40 – How We Blew Our Sving- Re-thinking Frivolous

2024-04-24

Is the Tech Stock pullback healthy? What’s the difference in Bond ratings? Who is really being affected by a tripling of interest rates? These and other pressing financial and investing questions were fielded on our most recent Candid Coffee.
This was an "open-mic" edition of Candid Coffee, with all questions coming from registered participants; the questions’ time codes are noted below.

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFO, w Senior Financial Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer

0:00 – Intro & Market recap:
3:30 – Tech stocks’ pull back is healthy; geopolitical risks;
8:05 – The difference between bond ratings
12:47 – Pension Fund investments in REITS w high default risk
19:19 – Are Roth distributions

2024-04-23

Market Commentary: Are there more declines to come? What is the path forward for 5% Bonds? PCE and more earnings reports coming; How to crossover from accumulation to de-cumulation; topic teases: Keeping more of your inheritance; how to increase your inheritance. How to manage funds qwith legacy intent in mind. The important of financial planning before retirement; what is the rate of return you need? The importance of budgeting; financial mistakes you should avoid within five years of retirement; dealing with the rule changes. Dealing with and planning for Social Security. What is the income threshold for converting from pre-tax to Roth IRA?

3:13 – Market Commentary: Are the more declines to come?
14:30 – How to Manage Funds with Legacy Intent in Mind
30:20 – Five Financial Mistakes

2024-04-19

Markets respond to Israel attack on Iran; Procter & Gamble disappoints; markets are in a churning phase. Fed rate decisions & market behaviors. How much do you really need to survive in retirement (What’s your number?) Managing expectations, spending habits, and dependency on Social Securituy; the scinece & art of financial planning; retirement realities. The intimate process of deliverying financial plans; Candid Coffee preview. The three phases of retirement: Go-go, Slow-go, & No-go. Real Investment "’Shrooms." Tax Foundation survey: Do you pay your fair share of federal taxes?

3:12 – Markets’ Respond to Middle East Tensions
14:31 – How Much Do You Really Need to Retire?
30:24 – Delivering Financial Plans & Real Investment Shrooms
44:31 – Do You Pay Your Fair Share?

Hosted by RIA

2024-04-12

CFP testing results & commentary on professional credentialing; the importance of the Health/Wealth connection; the importance of continuing education (CE); a brief history of JP Morgan and "too big to fail." Inflation is permatory, not transitory. Profit margins are not great because costs are up. Jerome Powell is trying to put out a fire with a water pistol; how many ate cuts now? There is still too much money in the system to really tame inflation. Real Wages have peaked: Is this Jerome Powell’s "Volker Moment?" What clients "think" about portfolios is the toughest thing for advisors to manage. If Trump is elected, he will have to deal with the next recession. April is stress-awareness month; why we don’t sleep. Rosso’s Brooklyn paper route, Candid Coffee preview, & dealing with

2024-04-12

Is immigration why employment reports from the Bureau of Labor Statistics (BLS) continue defying mainstream economists’ estimates? Many are asking this question as the U.S. experiences a flood of immigrants across the southern border.