Henssler Money Talks

Even the most carefully constructed financial plans can be disrupted when life doesn't follow the expected timeline. Using a family's changing long-term care needs as an example, we explore why financial plans should evolve with your circumstances, how seemingly small changes can signal the need for adjustments, and why keeping your financial adviser informed can help you prepare for the unexpected before it becomes an immediate concern.

Original Air Date: November 7, 2026

Read the Article: https://www.henssler.com/planning-for-possibilities-adjusting-to-realities

Why is asking a friend to pay you back so uncomfortable, and what happens when long-term care needs arise years earlier than expected?

This week on “Henssler Money Talks,” we're exploring two very different situations where money can complicate relationships and financial decisions.

First, we're talking about the awkward side of money between friends. From picking up the dinner tab to chasing down reimbursements, we share our own experiences and examine the unwritten rules of splitting expenses, the psychology behind generosity, and why even small amounts of money can complicate friendships.

Then, a listener's family situation raises an important financial planning question: What happens when a long-term care expense you anticipated years down the road suddenly becomes a more immediate concern? We discuss how changing care needs can affect a financial plan, the role of long-term care insurance, and the importance of maintaining flexibility when life doesn't follow the timeline you expected.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. 

Henssler Money Talks — November 7, 2026  |  Season 40, Episode 45

Timestamps and Chapters

• 2:25: Money Between Friends: Who Picks Up the Check?
• 27:24: Long-Term Care: When Life Tests the Financial Plan
• 47:16: The Post Election Market

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“Henssler Money Talks” is brought to you by Henssler Financial.

Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

See important disclosures at Henssler.com

Estate planning involves more than deciding who inherits your assets. It’s also about choosing the people who will carry out your wishes. From executors and trustees to power of attorney agents and guardians, each role comes with different responsibilities. The “Henssler Money Talks” hosts are joined by estate attorney Kyle Rinaudo from Reeves Law P.C. to discuss what to consider when selecting these individuals, why family relationships aren’t the only factor, and how those decisions can affect your estate plan. 

Original Air Date: October 31, 2026

Read the Article: https://www.henssler.com/the-most-important-estate-planning-decisions-arent-always-financial   

Who's really in control of your estate plan? You've decided who inherits your assets, but choosing the people responsible for carrying out your wishes can be just as important.

This week on Henssler Money Talks, attorney Kyle Rinaudo of Reeves Law, P.C., joins us for another installment of Estate Essentials. We explore the responsibilities and authority of executors, trustees, agents under powers of attorney, and guardians, and why choosing the right people for these roles involves more than simply naming your spouse, oldest child, or closest relative. From navigating family dynamics to understanding who has the authority to make important decisions, we discuss what to consider when selecting the individuals who will play critical roles in your estate plan.

Plus, we take a look at the latest market and economic developments, discussing what's driving investor sentiment and what those trends could mean for the markets ahead.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. 

Henssler Money Talks — October 31, 2026  |  Season 40, Episode 44

Timestamps and Chapters

• 5:21: Estate Essentials: Who's Really in Control of Your Estate Plan?
• 32:51: Market Roundup 

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“Henssler Money Talks” is brought to you by Henssler Financial.

Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

See important disclosures at Henssler.com

The stock market has experienced only two rolling 10-year calendar periods with negative returns since 1931. The “Henssler Money Talks” hosts revisit those challenging years to illustrate how the Henssler Ten Year Rule helps investors maintain liquidity for anticipated spending needs, avoid selling stocks during market downturns, and stay on track with their long-term financial plans.

Original Air Date: October 24, 2026

Read the Article: https://www.henssler.com/putting-the-ten-year-rule-to-the-test 

Is Gen Z facing greater financial challenges than previous generations, or have expectations of financial success changed? From young adults who believe homeownership is out of reach to those expecting six-figure salaries, we examine the financial realities facing Gen Z and how parents can help their children build wealth without creating dependence.

Then, we're joined by Shanna Squires of Henssler Mortgage Advisors to explore an unexpected challenge for retirees: qualifying for a mortgage when you have substantial investment assets but limited traditional income. We discuss how lenders evaluate retirement income, asset-depletion mortgages, and why having the financial resources to afford a home doesn't always make mortgage approval straightforward.

Finally, a listener challenges us to revisit the rare periods when the stock market failed to deliver positive returns over a rolling 10-year period. We look back at the market downturns that defined the so-called lost decade, how our Henssler Ten Year Rule helped investors navigate those difficult years, and why maintaining liquidity for future spending needs remains an important part of long-term financial planning.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. 

Henssler Money Talks — October 24, 2026  |  Season 40, Episode 43

Timestamps and Chapters

• 4:51: Gen Z: Financially Behind or Financially Different
• 27:26: Mortgage Qualification in Retirement: When Assets Matter More Than Income
• 36:16: The Ten Year Rule: When History Puts the Strategy to the Test
• 47:30: Fixed Income: More Than Just Yield

Follow Henssler:  

• Facebook: https://www.facebook.com/HensslerFinancial/ 
• YouTube:  https://www.youtube.com/c/HensslerFinancial 
• LinkedIn: https://www.linkedin.com/company/henssler-financial/ 
• Instagram: https://www.instagram.com/hensslerfinancial/ 
• TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en 
• X: https://www.x.com/hensslergroup 

“Henssler Money Talks” is brought to you by Henssler Financial.

Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

See important disclosures at Henssler.com

Investing according to your personal values may sound straightforward, but excluding certain stocks or industries can have unintended consequences for your portfolio. From limiting diversification and investment opportunities to navigating the complexities of ESG ratings and mutual fund holdings, the “Henssler Money Talks” hosts examine the trade-offs of values-based investing—and whether avoiding a company's stock actually influences its behavior.

Original Air Date: October 17, 2026

Read the Article: https://www.henssler.com/the-hidden-trade-offs-of-values-based-investing  

How much control should you have over your investments, and what happens when your financial decisions are restricted? 

We start with Trump Accounts, examining the investment limitations, questions about donated shares, and what parents should understand about how their children's money is invested. From there, we broaden the conversation to the moral dilemma of investing. Can you align your portfolio with your personal values without compromising diversification or investment performance? And does avoiding certain stocks actually influence corporate behavior?

Then, we turn to real estate and answer three listener questions about the capital gains exclusion on home sales. From the tax implications of converting a rental into a primary residence to what longtime homeowners should consider when appreciation pushes their gains beyond the exclusion limits, we're examining the rules, trade-offs, and financial decisions that aren't always as straightforward as they seem.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. 

Henssler Money Talks — October 17, 2026  |  Season 40, Episode 42

Timestamps and Chapters

• 6:44: Trump Accounts: Investing with Limits
• 16:02: The Moral Dilemma of Investing
• 27:49: The Fine Print on Home Sale Profits

Follow Henssler:  

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• Instagram: https://www.instagram.com/hensslerfinancial/ 
• TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en 
• X: https://www.x.com/hensslergroup 

“Henssler Money Talks” is brought to you by Henssler Financial.

Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

See important disclosures at Henssler.com

When was the last time investors had an opportunity to lock in attractive bond yields while the stock market was also performing well? With certain fixed-income investments offering yields above inflation, today’s market conditions may present an opportunity to replenish liquidity reserves. The “Henssler Money Talks” hosts discuss how the Henssler Ten Year Rule helps investors prepare for future spending needs and why U.S. Treasurys may be particularly appealing in the current environment.

Original Air Date: October 10, 2026

Read the Article: https://www.henssler.com/the-silver-lining-of-higher-interest-rates 

As vehicle prices continue to climb, consumers are stretching their loans to seven, eight, and even nine years to make monthly payments more manageable. But what does that extended financing really cost? We examine the financial consequences of longer auto loans before turning to the opportunities higher interest rates may present for savers. With certain fixed-income investments offering yields above inflation, we discuss why a strong stock market and attractive bond yields could make this an opportune time to replenish liquidity reserves under our Ten Year Rule.

Plus, we tackle two listener questions involving company stock and decisions that could have significant financial consequences. First, if you're retiring with highly appreciated employer stock in your 401(k), should you roll it into an IRA or transfer it to a taxable brokerage account? We explain how net unrealized appreciation (NUA) works and the tax considerations that could influence that decision. Then, when a company announces an all-cash acquisition, why does its stock continue trading below the agreed-upon purchase price? We explore whether investors should sell before the deal closes, hold out for the full buyout price, or consider buying additional shares to capture what looks like an easy return—and the risks that could make that opportunity less certain than it appears.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. 

Henssler Money Talks — October 10, 2026  |  Season 40, Episode 41

Timestamps and Chapters

• 6:01: 84 Months and Still $700 a Month?
• 26:43: When Higher Rates Work in Your Favor
• 35:31: Before You Roll Over That Company Stock
• 46:03: The Buyout Premium: Is It Free Money?

Follow Henssler:  

• Facebook: https://www.facebook.com/HensslerFinancial/ 
• YouTube:  https://www.youtube.com/c/HensslerFinancial 
• LinkedIn: https://www.linkedin.com/company/henssler-financial/ 
• Instagram: https://www.instagram.com/hensslerfinancial/ 
• TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en 
• X: https://www.x.com/hensslergroup 

“Henssler Money Talks” is brought to you by Henssler Financial.

Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

See important disclosures at Henssler.com