Financial Freedom With Tim Decker

• What is the one investment that has historically produced mediocre returns yet remains one of the best investments for many individuals, and why?
• Is the 10.25% annual yield promoted by an "investment opportunity" named Yrefy realistic?
• How often should you check the market value of your investments? You may be surprised.
• Mark seeks Tim's advice regarding an annuity recommendation made by his current advisor.

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

Topics covered in this week's show include:
With Warren Buffett announcing he will step down at the end of this year, Tim shares some of his thoughts and one of his favorite Buffett quotes.
In honor of Mother's Day weekend, Tim shares a deeply personal story about his mother and his upbringing.
Tim welcomes Larry and Jim, two outstanding veterans, to the Greenspring Advisors family as new clients.
Financial freedom: Is it a goal or an outcome?

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

The following topics are covered in this week's show. include: Caveat emptor ! Tim cautions listeners to think twice before considering free book offers promoted on Fox Business Network and CNBC. Although most financial television and radio programs are not worth your time, Tim recommends a program on CNBC that you might find worthwhile. It is certainly eye-opening. Tim announces a special documentary you won't want to miss, and he will share a link in the coming weeks. Leroy from McClure compliments Tim's colleague Laura Peace, and asks Tim to explain future taxation on some of his investments. Bob from Harrisburg calls in seeking a good investment idea for his grandson.

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

• Tim asks, "As an investor, what have you been doing in recent weeks amid so much uncertainty and negativity?"
• Bob from Iron Springs calls in to ask for some perspective on gold as an investment. Tim provides valuable insights by sharing the price history of gold and explaining that, historically, after adjusting for inflation, gold has experienced long periods in which it has underperformed significantly.
• Longtime listener Joan from Camp Hill calls in to share her thoughts and perspective.

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

• Do you own individual stocks like Apple, Tesla, or Nvidia? Should you reconsider the risks versus rewards of doing so?
• When a CD is maturing, should you reinvest it or consider investing elsewhere? Jean from Denver calls in for Tim's guidance on her CD.
• Michael from Annville asks Tim how reinvesting dividends from mutual funds or stocks affects future taxes on capital gains.
• Have you ever heard the term "bond vigilantes"? Kevin from New Cumberland asks Tim to explain who they are and how they may currently be impacting bond yields and prices.

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

• Jim from Newport asks Tim to clarify how stock dividends work. Tim explains and discusses why this concept is often misunderstood by many people.
• Have you ever heard of “shorting” stocks or the market? Joe from Harrisburg asks how this works and whether it is worth considering.
• Joan, a loyal listener, calls in to share some valuable and interesting comments.
• What is the ideal process for taking RMDs from an IRA? Kathy from Newville wants Tim’s advice.
Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

• Tariffs, market declines, and heightened negative investor sentiment — what is an investor to do?
• Boring bonds have once again come to life and are performing as intended.
• Feeling overwhelmed, Victoria calls in seeking Tim’s advice on some investment decisions.
• Are you worried about the current market environment? Tim discusses why investors with a sound, well-thought-out financial plan can weather these temporary declines and may even take advantage of this opportunity.

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

• Why do so many people, including advisors, seek advice from so-called expert analysts regarding market forecasts and stock picking?
• Tim reflects on last week's market declines to highlight the importance of not investing only in the S&P 500 index or total stock market funds.
• Ed calls in to ask about some derivatives he recently invested in, which did not turn out as he expected.
• Tim shares an email from Carolyn, who is seeking his advice regarding her husband's new 401(k) plan and Roth IRA.

Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

See omnystudio.com/listener for privacy information.

Topics this week-
• Tim continues discussing the important lessons learned from past market declines and how you should consider applying them today.
• Do you know when some of the sharpest market surges in the past have occurred? You might be surprised.
• What is one of the single biggest risks for investors?
• Lisa from Dillsburg wants Tim's advice on finding a fee-only advisor to assist her and her husband.
• Tim offers insights to both Mike and Gary regarding their respective emails.

Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

See omnystudio.com/listener for privacy information.

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforward advice.

See omnystudio.com/listener for privacy information.