Andrew and Alex discuss the current state of interest rates and how it is effecting consumer decision-making. There are a number of different financial items to analyze in a volatile interest rate environment. Understanding alternatives is extremely important in making a suitable decision.

Ryan and Andrew touch on the importance of hobbies and their recent trip to Jamaica. They talk about their trip and how much they love snorkeling. They describe their experience there. Different types of underwater landscape. What kind of creatures they saw. Lastly, they describe how to snorkel.

Andrew and Alex discuss fair and unfair expectations in investing, planning, relationships, work and life. How do expectations affect our decision making? Ensuring fair expectations are set before making important decisions is crucial in all aspects of life.

Ryan, Andrew, and guest Mike Czopek have a conversation about Medicare and how it works. Mike has been helping families with Medicare for well over a decade. He sheds light on how part A and B work. They discuss Medicare advantage and Medi Gap policies. If you are pre-retirement or about to enroll into Medicare this is something you should tune in for!

Ryan and Andrew discuss banking. Over the past couple weeks, we have seen some issues in the banking sector. We saw banks fail. As this is a uncommon event it can happen. Many people see this and worry about their deposits. They explain how FDIC works. They also talk about the different banks out there and how you can do you own due diligence.

Ryan, Alex, and Andrew discuss the challenges of funding higher education. Funding tuition for 4 year college universities is often more expensive than many people believe. We discuss the different investment vehicles and strategies that many people can use to fund higher education in the most efficient ways.

Ryan, Alex, and Andrew discuss the importance of dollar cost averaging when saving into investments. It is hard to time the market so when you are investing putting money in at all different times can help you reduce some risk. Many people are sitting on cash in their bank wondering when the right time is to put it into the market. We like to pick a time frame and drip it in over time buying at all different levels, kind of like saving into your 401k out of every paycheck. We also discuss the importance of rebalancing. Sometimes parts of your investment portfolio will grow faster than others. Rebalancing your portfolio can help keep the original percentages in asset classes that you want. It can also help you sell high and buy low.

Andrew, Alex & Ryan welcome John Diehl, Senior Vice President of Hartford Funds, to the podcast. John joins the podcast and brings 35+ years of industry experience to the conversation. The team discusses Hartford’s research with MIT’s (Massachusetts Institute of Technology) AgeLab, behavioral finance, retirement longevity, trends in financial planning, and much more!

Ryan, Alex, and Andrew discuss the topic of Dementia. Horizon Advisers has years of experience helping families deal with long term care situations. Dementia is one of the leading conditions that lead to these complex issues. This article brings up some good points at how to keep the mind sharp. What you may be able to do to increase brain health.

https://www.barrons.com/articles/dementia-alzheimers-prevention-research-f3a67612

Ryan, Alex, and Andrew discuss an article about financial infidelity. They discuss some of the ways it is being committed. They discuss ways to spot it. Most importantly discuss having an open dialog with your spouse about money. There shouldn’t be anything to hide.