8-1-25 Don’t Let the Point Spread Fool You
2025-08-01
The financial media started in early with headlines about "sweeping" new tariffs and markets tumbling 485-points…only, consider, with the Dow at 43,832, that’s only about 1%. So don’t let yourself be swayed by sensationalistic headlines.
Hosted by RIA Advisors Senior Financial Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
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The High Beta Melt Up: Echoes Of 1999
2025-07-30
In our recent article, “The Magnificent Seven Are Mediocre,” we pondered whether the stock market is entering a melt-up phase, where investors driven by extreme speculative behavior and hopes for exponential returns favor volatile stocks with high betas. To be clear, we do not know whether we are in a melt-up phase. The market could …
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AI Is Powering Markets
2025-07-23
On May 6, 2010, the US stock markets dropped nearly 10% within minutes. What would be called a “flash crash” wasn’t caused by news, economic data, or a Fed policy decision. According to the U.S. Commodity Futures Trading Commission (CFTC), a large sell order on E-Mini S&P 500 futures, executed by a mutual fund and …
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7-19-25 Candid Coffee – Retirement Blueprint
2025-07-22
If you fail to plan, you plan to fail in retirement. Richard Rosso and Jonathan Penn address the thorny questions around preparing for retirement.
INTRO
3:55 Retirement is Qualitative: New Retirement Mentality
8:00 The Pre-Retirement Blueprint Agenda
9:15 What to Do for a Living in Retirement
11:00 Our Right Lane Strategy: Variable assets
13:15 The Impact of Large Losses in Retirement
16:45 The Blueprint Strategy
18:20 Begin a Formal Retirement-Planning Exercise
23:00 Taking Social Security Properly
26:30 – Medicare: Know Your Choices & Enrollment Periods
31:00 Mind the Gap in Medigap
32:00 Higher-earning vs lower-earning spouse
35:30 Is initial enrollment period a similar window around your retirement date? (Stan Stinson)
40:31 Max Out Your Health Savings Account
42:00 What Should