Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the “decumulation” phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money.

0:00 - INTRO

0:19 - The Math Ain't Mathin' for 2026 Earnings Projections

4:57 - I Told You So

10:42 - Technical Analysis - Keep it Simple

14:04 - Adapt Your Technical Analysis to Your Time Frame

15:19 - Looking for a Trend - What is a Moving Average?

18:02 - What the MACD Tells Us - The Gap

22:18 - Measuring Relative Strength

24:16 - The Bitcoin Example

27:18 - Buyers and Sellers and Money Flows

30:41 - No One Size Fits All

32:09 - The Value of Diversified Portfolio Management

34:30 - The Fallacies of Diversification

37:40 - Retirement Doesn't Mean the Same for Everyone

44:37 - Organization of Withdrawal Strategies

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Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP

Produced by Brent Clanton, Executive Producer

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The latest installment of our new feature, Before the Bell, "S&P 500 Breaks 50-DMA: Don't Panic" is here:

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Our Previous Show, "Full Market Cycles: Why Bull Runs Always Meet Their Match," is here:

https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1

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