Derek Ballinger is Crosby Advisory Group's Chief Portfolio Manager. Nate interviews Derek on his thoughts about 2025 and what he believe it means for investors heading into 2026.

What is the S&P 500? Why do advisors often recommend an S&P 500 index as part of your stock portfolio? What types of companies make up the S&P 500? As part of our observation section we will dig into the false security of keeping cash in a long term retirement account.

When is the right time to risk manage? What are a few readily available metrics you can gather when looking at a stock for the first time? Nate goes into his steps for the initial analysis of a publically traded company or stock. www.crosbyadvisory.com

A financial lifecycle can be broken into three phases: accumulation, distribution and estate. We discuss examples of when clients have thought it was in thier best interest to hire a financial advisor.

What is financial wellness and why has it taken center stage in the financial planning world. Nate discusses the industry shift from general investment advice to holistic wealth planning.

Estate planning is the most overlooked segment of the financial planning process. In this episode we discuss will basics. What happens when you die with a valid will? What happens when you die without a valid will? What can you do to ensure your assets transfer appropriately, and make sure you minor children are assigned the appropriate guardians?

There are many metrics that can be used to measure the performance of your portfolios. These benchmarks should be appropriate for your time horizon (how long you have until the money will be needed). One seldom used benchmark is a multiple of assets compared to income. This benchmark is often a more direct indication of your retirement savings success. You can contact us at www.crosbyadvisory.com

We delve into the intriguing world of investing heuristics and cognitive biases. This week, we're exploring how psychological factors like overconfidence, the illusion of control, and conservatism bias can shape investment decisions, often in unexpected ways. Join us as we dissect these cognitive errors, discuss real-life examples, and provide insights into how investors can navigate these mental pitfalls to make more informed decisions. Whether you're a seasoned investor or just starting out, this episode is packed with valuable lessons on the psychological aspects of investing.

We break down the savings timeline, considering various income levels and investment approaches. But it's not just about saving – we also delve into the current financial climate, discussing the worsening liquidity in the treasury market, and what it means for your investment portfolio. Plus, we analyze how to adjust your returns for inflation to ensure your savings maintain their value over time. Whether you're a seasoned investor or just starting out, you'll find actionable insights and expert advice to help you on your path to financial success. Don't forget to like, share, and subscribe for more financial wisdom #MillionDollarSavings #TreasuryLiquidity #InflationAdjusted #SavingsGoals #FinancialPlanning #InvestmentTips #EconomicInsights #WealthBuilding #PersonalFinance #SaveToMillion"