Are There Any Changes In The New Year To Consider For The Average Portfolio?

Markets rallied for three straight years, and that quiet tailwind may have nudged a lot of “balanced” portfolios into riskier territory than intended. We unpack how allocation drift happens, why it matters more than most headlines, and the simple, rule-based rebalancing steps that protect your long-term goals without trying to time the market. Along the way, we pull back the curtain on how we evaluate underperforming funds, decide when to replace them, and keep overall risk steady while upgrading the lineup.

We also talk through the human side of money. Letting winners run feels great until volatility spikes; buying what just fell feels wrong even when it’s right. We share a practical playbook: set a target mix, define a tolerance band, automate contributions toward underweight assets, and commit to acting when bands are breached. That structure helps override fear and greed, two powerful forces we’ve seen derail plans over decades. You’ll hear how a 60-40 can quietly become 70-30, what that means for drawdowns, and how a quick rebalance restores alignment with your true risk tolerance.

To round things out, we hit key tax and savings angles. We outline current IRA contribution limits—$7,500 per person under 50 and $8,500 with catch-up at 50-plus—and why Roth versus Traditional is a tax-bracket decision, not a trend. We touch on 401(k) considerations and how new contributions can serve as a tax-smart rebalancing tool. The theme running through it all is simple: balance and discipline. Build a portfolio that matches your life, then keep it that way with clear rules and calm execution.

If you found this helpful, follow the show, share it with a friend who’s overdue for a rebalance, and leave a quick review to help others discover us. Ready for a second opinion on your allocation? Schedule your free 20-minute consultation online or call 423-247-1152.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

Is Gold A Smart Investment For The Average Investor Today?

Gold’s shine is back in the spotlight after a dramatic 65% run, but the better question is why it moved and where it fits in a thoughtful plan. We dig into the tension between gold’s timeless role as a store of value and the realities of modern markets shaped by fiat currencies, central banking, and policy cycles. Along the way, we unpack whether gold is “money” or simply another asset class, and why that distinction matters when fear rises, rates shift, or headlines stir anxiety.

Jeff Bingham walks through the big turning points: the 1971 break from the gold standard, the expansion of government debt, and the mechanics of money creation that shape investor psychology. We examine how central banks and wealthy investors accumulate and store bullion, what that signals about trust and geopolitics, and why the dollar can remain the reserve currency for a long time while gold still serves as a credible hedge. Expect clear takeaways on what actually drives gold’s price—real yields, risk sentiment, and scarcity—versus the myths that cloud judgment.

For everyday investors, we get practical. You’ll hear a straightforward sizing idea around a small 2.5% slice, guidance on how to choose between physical gold, ETFs, and miners, and a simple rebalancing approach to keep gold a tool rather than a prediction. We also weigh opportunity costs during higher-rate environments and outline the conditions that tend to support or cap gold’s momentum. If you want a nuanced view that cuts through hype and helps you decide whether gold earns a place in your portfolio, this conversation delivers clarity without the jargon.

If this resonates, follow the show, share it with a friend who’s debating bullion versus ETFs, and leave a quick review with your biggest takeaway. Your feedback helps more investors find smart, steady guidance.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

 How Does B&H Wealth Strategies Help Clients Plan For Healthcare Expenses In Retirement?

Healthcare can quietly undo decades of planning, and the risk spikes when you retire before 65. We sat down with Jeff Bingham to map a clear path through the pre‑Medicare gap, explain how shifting subsidies change real costs, and share a practical case study of a 62‑year‑old retiree navigating coverage with a chronic condition. The takeaway is simple and powerful: build healthcare into your retirement cash flow on purpose, not as an afterthought.

We walk through the core decisions that matter: how to estimate realistic premiums, what to watch in ACA marketplace plans versus private coverage, and when community health sharing arrangements make sense. Jeff breaks down how Medicare works once you hit 65, why a supplement is essential, and how to pick one that aligns with your medications and preferred doctors. You’ll hear why the “alphabet soup” of supplemental plans is not one size fits all, and how a specialist can match your needs to the right policy while keeping lifetime costs predictable.

Then we tackle the big blind spot—long‑term care. Medicare and most supplements won’t cover extended custodial care, so we outline the real options: self‑funding, insurance, or spending down to Medicaid. Jeff shares a decision framework for evaluating traditional LTC policies and modern hybrids, and offers timing guidance so you don’t wait until it’s too late. We wrap with a step‑by‑step planning workflow: model pre‑65 costs, inflate healthcare conservatively, stress‑test cash flow, and review annually as drugs, networks, and policy rules change.

If you want confidence that your retirement can handle medical surprises without derailing your lifestyle or legacy, this conversation gives you the playbook. Subscribe, share with a friend who’s eyeing early retirement, and leave a review with your top healthcare planning question—we may feature it next time.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

How Does Commercialization Of The Holidays Impact Local Investing And Our Lives?

Holiday ads shout, timers tick, and our carts fill fast—but what do those dollars actually do for the place we call home? We dig into the tension between one‑click convenience and the community value of Main Street, sharing stories from downtown Kingsport and the sensory joy that only in‑person shopping delivers: the lights, the smells, and the conversations that make the season feel real.

We talk about the quiet math behind local spending—how sales tax and small‑business activity fund schools, streets, parks, and cultural events. Jeff Bingham of B&H Wealth Strategies explains why the words we use matter, pushing back on the idea that we’re only consumers and inviting us to act as citizens with agency. We unpack the long‑term costs of showrooming, the ripple effects when local merchants close, and why paying a little more can buy white‑glove service, better advice, and a stronger civic fabric.

This is not a call to ditch big retailers; it’s a plan to balance them. You can keep the convenience when it’s needed and still choose local when it builds the town you want to live in. We share simple rules of thumb—look local first, reward expertise with your purchase, and turn errands into traditions by making an evening of downtown shopping with family. The result is a season that feels richer, a community that grows healthier, and a holiday budget that works harder for your neighbors.

If this resonated, follow the show, share it with a friend who loves small businesses, and leave a quick review to help more people find us. And if you’re ready to align your finances with your values, schedule a free 20‑minute consultation at BHRetire.com or call 423‑247‑1152.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

What Should An Investor Do?

Headlines shout. Portfolios whisper. We zoom out from the daily noise to map how geopolitics, energy prices, and policy shifts actually flow through markets and into real portfolios. Jeff Bingham unpacks why 2022’s pain wasn’t just war-related, how inflation and rising rates did the heavy lifting, and where today’s pressures—from $60 oil to OPEC’s waning influence—are quietly reshaping risk and opportunity.

We dig into Saudi–US dynamics, what it means when a regional anchor needs higher oil prices, and why Saudi Arabia is borrowing and diversifying into entertainment and sports. That lens helps explain shifting supply–demand in energy and the second-order effects on inflation, commodities, and global equities. Instead of reacting to every headline, we lay out a practical approach: build a resilient core, then make small, rules-based tilts toward commodities, natural resources, or real assets when inflation runs hot, and lighten them when disinflation sets in. Along the way, Jeff breaks down gold’s standout run, the role of central bank buying, and how a right-sized allocation can hedge extreme scenarios without dominating your plan.

If you’ve wondered how to stay the course without standing still, this conversation gives you the toolkit: clear goals, disciplined rebalancing bands, tax-aware adjustments, and a calm framework for geopolitical shocks. We translate complex global stories—Russia–Ukraine, Israel–Gaza, OPEC’s reduced grip—into specific portfolio moves that keep you aligned with long-term objectives. Listen now, subscribe for future episodes, and leave a quick review to tell us where you’re tilting your portfolio next.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

How Does Global Instability impact investment Markets And Activity?

When the news cycle feels like a firehose, it’s easy to assume markets must fall. We cut through the noise and look at what actually moves portfolios: the flow of energy and materials, the integrity of supply chains, and the policy choices that shape costs, margins, and long-term competitive edges. From Russia–Ukraine to tensions in the Middle East, we examine why equities can keep climbing when the economic plumbing still works and demand remains resilient.

Our conversation zeroes in on the economic rivalry that matters most for investors: the U.S. and China. We break down tariffs, export controls, IP enforcement, and the race for AI and semiconductor leadership—factors that now sit at the core of valuation. You’ll hear how policy continuity across administrations changed the game for global manufacturing, why concentration risk in Taiwan’s chip ecosystem is a security issue as much as a market one, and what the multi-year path to onshore capacity really looks like.

We also revisit the legacy of offshoring and the realities of reshoring in an automated era. The jobs returning aren’t identical to the ones that left, but the ecosystem around new plants—construction, services, logistics, and specialized maintenance—can revive communities and diversify local economies. For investors, that translates into watching capital expenditures, utility upgrades, and the suppliers that cluster around advanced manufacturing hubs. Throughout, we share practical ways to stay grounded: prioritize companies with pricing power and multi-sourced inputs, diversify across regions and factors, and avoid trading every headline surge.

If you value clear thinking over panic, you’ll leave with a sharper framework for navigating geopolitical risk. Subscribe, share this episode with a friend who doomscrolls, and leave a review telling us which risk you’re watching most closely.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

What Role Does God & Faith Play In The Mission Of B&H Wealth Strategies? 

Values shape every dollar we deploy, and Jeff Bingham opens up about how putting faith first changed the way we lead, invest, and care for families. From praying before client meetings to building plans that “aim all the way up,” we walk through what it looks like to blend conviction with technical excellence in financial planning and investment management.

We dive into biblically responsible investing as more than a screen—it’s a framework for aligning risk, returns, and purpose so clients can grow wealth without ignoring their conscience. Jeff explains how this approach fits into comprehensive planning, from retirement income strategies and tax-aware portfolios to legacy design that safeguards vulnerable heirs. When a family faces addiction or uneven responsibility among children, we talk candidly about using trusts to protect relationships, release funds wisely, and sustain healing over time.

This conversation also welcomes a broad spectrum of beliefs. You don’t need to share our faith to benefit from straight talk, rigorous analysis, and a commitment to do the right thing. Jeff shares his personal testimony of losing his sight, his mother, and his brother within months—and how that breaking led to lasting clarity and a different kind of leadership. If you’re looking for a financial advisor who treats wealth as a tool for good, who values integrity over convenience, and who shows up when decisions are hardest, this one will resonate.

If this speaks to you, subscribe, share with a friend who cares about values and money, and leave a review with the biggest question you want us to tackle next.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

hy Does A Proven Plan Beat A Quick Fix Every Time When Planning Your Financial Future?

The loudest voices in money often promise shortcuts. We take the opposite route and show how real wealth grows from simple habits, honest planning, and a strategy you can actually follow when markets turn noisy. With Jeff Bingham of B&H Wealth Strategies, we unpack the gap between hype and reality—what “quick fixes” look like in the wild, why they’re so tempting, and how to build a durable plan that fits your life instead of someone else’s playbook.

We start with the three anchors of a resilient plan: know where you are, decide where you want to go, and match your investments to your true risk tolerance. Jeff explains how FOMO leads people to jump on trends late, why misaligned 401(k) allocations quietly derail goals, and how a simple “pay yourself first” habit compounds into freedom over decades. Along the way, we explore the difference between transactional advice and a transformational relationship—why the first meeting should center on trust, transparency, and your whole picture, not a product pitch or quick trade.

You’ll hear practical guidance on resisting algorithm-driven spending, navigating debt and lifestyle pressure, and making tough tradeoffs for big goals like homeownership. We revisit the timeless “Millionaire Next Door” lesson: consistent savers with modest incomes often beat high earners who chase status. The result isn’t a get-rich-quick tale; it’s a blueprint for becoming the quiet success story—one automated deposit, one aligned decision, one steady year at a time.

If you’re ready to choose financial freedom over noise and build a plan that sticks, hit follow, share this with a friend who needs it, and leave a review with your biggest money question. Want help mapping your next step? Schedule a free 20-minute consultation at bheretire.com or call 423-247-1152.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

Lowering Interest Rates And Monetary Policy Shifts...How Can They Impact Me?

Rate cuts make headlines, but the real story lives in your monthly budget and long-term plan. We dig into how a lower federal funds rate filters into mortgage payments, credit card APRs, small business borrowing, and diversified portfolios—then separate smart, actionable moves from costly knee-jerk reactions. Jeff Bingham lays out where refinancing can free up cash, how to compare closing costs to monthly savings, and the moments when a lower payment strengthens your balance sheet instead of just stretching your lifestyle.

We unpack the credit card angle too: as the prime rate eases, carrying costs can fall, giving you a window to accelerate payoff and redirect dollars to principal. For business owners, cheaper capital can justify upgrades and expansion, but only when the expected return clears the interest hurdle with room for risk. On the market side, we explain why bond portfolios can rally as yields drop, how total return works, and where duration and quality matter for stability and income as savings account yields slip.

Through it all, the message is steady and simple: don’t rewrite your investment plan because of a press conference. Rebalance if needed, run the numbers on a refi, tidy up high-cost debt, and stress-test any borrowing against your goals and time horizon. If you want help turning rate moves into real-world progress, schedule a free 20-minute consultation at 423-247-1152 or bhretire.com, and share your top question—what’s the one money move you’re considering right now?

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

What Options Does B&H Offer To Help Plan For College Savings Or Educational Funding?

The weight of college expenses keeps many families up at night, but strategic education funding can transform this burden into a manageable part of your financial journey. Jeff Bingham, President of B&H Wealth Strategies, breaks down the complexities of saving for education in this straightforward, information-packed episode.

At the heart of education funding strategies lies the 529 plan – a powerful vehicle that offers tax-free growth and distributions when used for qualified education expenses. Unlike older education savings options, these plans allow for substantial contributions with impressive flexibility. Parents or grandparents typically serve as custodians, maintaining control while the child is named beneficiary. The real magic happens when you understand how these accounts can adapt to changing circumstances: unused funds can be transferred to siblings, other family members, or even held for future generations, creating an educational legacy that extends far beyond a single student.

The episode explores practical applications for different family situations, including how grandparents can transform required minimum distributions from retirement accounts into meaningful educational gifts for grandchildren. Jeff also highlights complementary strategies like leveraging community college programs such as Tennessee Promise, which can potentially cut a four-year degree's cost in half without compromising quality. This balanced approach acknowledges the reality of rising education costs (approximately $25,000 annually for in-state tuition at the University of Tennessee) while offering actionable solutions that won't derail your broader financial goals.

Ready to develop an education funding strategy that works for your family? Schedule your free 20-minute consultation with B&H Wealth Strategies by calling 423-247-1152 or visiting bhretire.com. Your child's education is too important to leave to chance – start planning today.

To learn more about B&H Wealth Strategies visit:
https://www.BHRetire.com
B&H Wealth Strategies
423-247-1152

Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/