The Rothification of Retirement Savings

2022-12-17

(12/16/22) The origins of Elf on a Shelf; How American’s really feel about the economy, and why we’re spending less this Christmas; tougher times are coming in 2023. Picking Priorities and Pet Financing; No, no, no, Janet Yellen! It’s the government’s fault. Austerity be damned. Opportunities for Fixed Income in 2023.

2022-12-13

(12/27/22) Sam Bankman-Fried arrested in Bahamas; the saga of FTX & future of crypto. Possible sentencing for SBF; who will be the next FTX to fail? Real people lost real money, and it was all they had. A review of SEC charges against SBF; civil liability + Federal criminal liability; a brief history of the SEC and regulation likely to come.

0:00 -The Saga of Sam Brinkman-Fried & FTX
SEG-4: SEC vs SBF & FTX & History of SEC Regulation
Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
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2022-12-02

(12/3/22) Getting in the Christmas Spirit, Market Commentary, and Jobs Report preview & Fed strategy: Why does Jerome Powell want you to lose your job? Putting kids to work (and saving); 2023 RIA preview; positive savings aspects of Secure Act 2.0; Recession vs Stagflation & Tax Planning for 2023; ’tis the season for Rosso’s Razzle-dazzle Eggnog; working side-gigs and SEP’s; why every retirement account should have a Roth component; it’s called "diversification of accounts," and now is the best time for Roth conversions. Comparing Medicare Advantage’s 43 flavors to Medigap coverage.
3:17 – Christmas Spirit Tips
5:01 – Expecting a Soft Landing
14:23 – Child Labor Day
16:45 – Tax Planning for 2023
30:27 – Rosso’s Razzle-dazzle Egg Nogg
32:29 – Working Side Gigs
44:35 – Medicare vs

2022-12-01

(12/1/22) Fed Chairman Jerome Powell Wednesday implied concern about over-tightening the economy, a very different tack than was expressed just a month ago, when he said he WASN’T worried about over-tightening because the Fed had "tools to solve that problem." What’s changed? Employment is showing signs of weakening, manufacturing is showing signs of slowing, so NOW he’s worried about over-tightening. That’s all market bulls needed to hear to surge 3.1%. But to put that into perspective, we rallied 5.5% following the release of October CPI on anticipation the Fed would slow the pace of its rate increases. But that’s not what Powell said: The Fed may need to hike even more next year, raising the potential for a terminal rate of over 5%. Markets didn’t hear that, however. Markets are

2022-10-17

(10/17/22) Halloween is the second-biggest retail shopping event of the year; earnings season begins today; markets continue to hold onto bottoms, with lots of volatility. After mid-term elections, watch for negative revisions to economic reports. The Roberts’ House-hunting begins; the Fed’s Third Mandate: Jacking-up asset prices with a litany of actions to boost equities. What happens when stocks outgrow what the economy can generate? Is there such thing as "too much savings?" Why we’re not in a bear market…yet. What the technicals show; Emily the Criminal & student loan debt; the efficacy of college degrees; the motivation of fear; the Four Fears of Life.

0:55 – Earnings Season Begins Today
12:18 – The Roberts’ House-hunting
14:44 – The Fed’s Third Mandate
28:12 – Why We’re Not In

2022-10-13

(10/13/22) CPI did come in hotter-than anticipated; the Fed’s conundrum with QE vs QT; The whole world is over-leveraged; UK pension funds are drowning in it. Collateral calls, when models fail, and banks’ stress tests don’t mean much; the pension funds in the UK will be a social crisis that creates a financial crisis world wide. Boeing’s Dreamlifter nightmare; many financial articles are being written by those who’ve never lived through a bear market; why experience is important in times like these. There is no more FOMO, no more TINA. Why Jerome Powell is fighting 20-years of bad fiscal policy

0:00 – CPI Preview & The Fed’s Continuing Conundrum
[NOTE: This segment is truncated due to technical issues with Wirecast this morning; for a complete AUDIO recording of the segment, please go

2022-10-06

(10/6/22) Gasoline prices are back on the rise with OPEC’s production cuts; Joe Biden’s solution: Tap the Strategic Petroleum Reserve as winter looms, and demand for fuel oil will increase, resulting in greater expenses for an already strapped consumer. Markets are oversold with a drop in negative sentiment; yet no Fed pivot in sight. Will the Fed continue until something breaks? There are now $60-T in derivatives hanging out, all based on historical models that don’t always predict everything. What happens when the models break? The Sub-prime fiasco was derivatives based on derivatives. Oil prices are on the rise, creating more financial pressure for consumers. The US is still a net-importer of oil. What happens when the US bids to replenish the SPR? Financial Stress and the Risk of