Money Tree Investing

Join us today as Blake Christian reveals the secrets of Opportunity Zone funds. He's here to explain the flexibility and tax benefits of these funds. He highlights the program's role in encouraging investments in underserved communities. He also shares the challenges in navigating the rules and compares OZ funds with other tax deferral strategies like 1031 exchanges. Prepare to learn everything you've ever needed to know about OZ funds!

We discuss...

• How OZ funds allow deferring capital gains if reinvested within 180 days, with potential tax-free appreciation if held for 10 years.
• Which six states do not conform to Opportunity Zone benefits.
• Over 8,000 census tracts qualify for Opportunity Zone investments, targeting underserved communities with high unemployment and welfare recipients.
• How OZ funds can be used for real estate and operating businesses, attracting investments into otherwise neglected areas.
• The complexities and potential pitfalls in structuring OZ funds, including the necessity of making proper elections and meeting improvement requirements.
• When combining Opportunity Zone funds with Section 1202 qualified small business stock can provide additional tax benefits.
• Installment sales are a simpler alternative for deferring gains but carry risks of higher future tax rates.
• California aggressively taxes deferred gains from 1031 exchanges and Opportunity Zones, even if the taxpayer relocates to another state.

For more information, visit the show notes at https://moneytreepodcast.com/the-secrets-of-opportunity-zone-funds-blake-christian-628

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management
•  

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We reveal the next hot trend and cover all the hot topics. We discuss free speech, political violence, and how bad ideas are necessary to recognize good ones.

Additionally, we talk discuss energy consumption, the increasing demand driven by AI and the need for clean energy solutions like nuclear power. We also discuss the growth in data centers and the importance of investing in energy and technology sectors to address these trends. 

Today we discuss... 

• Recent events including a Trump rally and an assassination attempt.
• Emphasis on the rejection of violence regardless of political affiliation.
• Importance of staying and engaging in political discourse rather than leaving.
• Free speech and the importance of hearing both good and bad ideas.
• The Biden administration's bill to expedite nuclear power plant regulations.
• Highlighting the energy consumption of AI compared to Bitcoin and the potential issues it causes.
• Investment opportunities in nuclear energy and data centers.
• Historical trends in energy consumption and the rise of renewable energy.
• Mention of technological advancements and their impact on energy needs.
• Discussion on the rapid growth of AI and its implications for energy consumption.
• Emphasis on the need for strategic solutions to meet growing energy demands.

For more information, visit the show notes at https://moneytreepodcast.com/next-hot-trend-627

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Nelson Chu joins us today to discuss the rise of private credit! He's here to share how private credit emerged as a significant player post-2008 financial crisis when banks scaled back their lending. Despite his initial lack of experience in credit, Nelson was drawn to private credit for its potential to offer shorter durations, lower minimum investments, and attractive yields compared to traditional bank loans.

Today we discuss...

• How Nelson started his career in finance, working at Merrill Lynch, Bank of America, and BlackRock.
• He left traditional finance to start a consulting company and then founded Percent, focusing on private credit.
• Non-bank lenders fulfill the ongoing demand for loans by raising money from the private credit market.
• How banks are finding ways to re-enter the lending market through joint ventures and leveraging other business parts.
• The private credit market seeing pressure due to high interest rates and increasing defaults in consumer credit.
• Competitive tension between banks and private credit lenders influences the cost of capital and lending rates.
• How Nelson's company Percent focuses more on conventional private credit opportunities rather than real estate.
• Lenders are being more selective in extending small business loans due to the current risk cycle.

For more information, visit the show notes at https://moneytreepodcast.com/the-rise-of-private-credit-nelson-chu-626

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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Are you losing out on good investments due to confirmation bias?  We often want clear, definitive answers to how to invest, but in financial markets and social media, this can be tricky. We tend to look for information that supports what we already believe, known as confirmation bias, and social media makes this worse by feeding us content that aligns with our views, creating echo chambers. The takeaway is that while data can guide us, it doesn't provide absolute certainty, and we need to stay aware of our biases and the limitations of the information we consume. 

Today we discuss... 

• Understanding data interpretation is crucial; it's not about definitive conclusions but about probabilities.
• Our tendency to see patterns where none may exist, like with the inverted yield curve and recessions, shows how we seek certainty.
• Market predictions are complex; events like the 2011 gold crash challenge simplistic explanations.
• Half-truths, more than outright lies, mislead us because they seem plausible but aren't entirely accurate.
• Social media algorithms create filter bubbles, reinforcing our biases and limiting exposure to diverse viewpoints.
• The influence of confirmation bias in political and social beliefs is profound, shaping our perceptions of reality.
• Financial beliefs, like linking money printing directly to inflation, oversimplify complex economic realities.
• Chart crimes and misleading visuals can distort perceptions, leading to erroneous conclusions about trends.
• Bitcoin's price movements post-halving illustrate the complexities of market predictions and speculative fervor.

For more information, visit the show notes at https://moneytreepodcast.com/confirmation-bias-625

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Join us for a fascinating episode as we welcome Barry Martin, a seasoned expert in covered call option strategy. Barry shares his insights into the growing popularity of covered call writings, discussing how they have surged from $7 billion to $75 billion in just a few years. Whether you're an experienced trader or new to options, this episode offers valuable perspectives on managing risk and generating income through covered calls.

Today we discuss...

• How the popularity of covered option writing has surged in recent years. Barry manages $1.3 billion in option overlay strategies at Sheldon Capital Management.
• The decline in commission costs and increased options education have contributed to the growing interest in covered call writing.
• Covered call writing is most beneficial in choppy, sideways markets, slightly up or down, where income generation is a key goal.
• Barry emphasizes that selling options in low-volatility, low-interest-rate environments is less beneficial.
• Barry advocates for using defensive, market-leading stocks with significant free cash flow for covered call writing.
• Covered call writing is misunderstood as risky by some CPAs and advisors due to a lack of education and familiarity with the strategy.
• Educating oneself, starting with basic strategies like covered calls, and minimizing risk are essential for successful options trading.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/the-growing-popularity-of-covered-call-option-strategy

We are here to celebrate your independence from bad investing. Today we discuss investing, political commentary, and of course the U.S. debate. Listen in for investment insights and how politics often have little impact on stock market performance. The focus is on understanding market trends, with a detailed analysis of current market performance across various sectors, highlighting that a few high-performing stocks are driving overall market gains and more.

Today we discuss...

• The UK's new prime minister and political changes post-Brexit.
• The US presidential debate between Biden and Trump, with concerns about the candidates' competency.
• Emphasis on the lack of substance in the debate and questions about who is actually running the country.
• Discussion on the perceived gaslighting by political parties and media.
• The importance of consistent investment strategy irrespective of political changes.
• Market performance trends, focusing on high-performing stocks driving overall gains.
• Advice on the benefits of indexing and diversification in investments.
• Concluding thoughts on maintaining a disciplined investment approach despite market or political volatility.

For more information, visit the show notes at https://moneytreepodcast.com/independence-from-bad-investing-623

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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Patricia Roberts joins us today to discuss how to give the gift of college with a 529 plan. She has spent over two decades guiding parents on how to prepare for the high costs of higher education and avoid the burden of student loan debt. Patricia played a pivotal role in launching a nonprofit program in New York City, providing seed money for college to 200,000 public school kindergartners. Now, Patricia works with Gift of College, bringing 529 education and student loan repayment benefits to workplaces. Today we discuss...

• The insights and expertise of Patricia, a seasoned professional in college financial planning.
• How to  prepare for the high cost of higher education and avoid student loan debt.
• How a 529 benefits can be passed to the family.
• How Patricia helped launch a nonprofit program in New York City that provided seed money for college to 200,000 public school kindergartners.
• Gift of College and how they promote 529 education and student loan repayment benefits in the workplace.
• Patricia's book Route 529.

For more information, visit the show notes at https://moneytreepodcast.com/give-the-gift-of-college-patricia-roberts-622

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

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Did you know your food choices effect your investing? Take the time to think about investing and the importance of knowing what you're getting into. Just like you should understand the food you eat, you should understand your investments. Our brains look for shortcuts, but skipping the details can lead to poor decisions. Whether it's food or stocks, doing the homework is crucial. 

This week we discuss...

• The differences in food ingredients in the US, which use artificial dyes and corn syrup, compared to other countries that use natural ingredients.
• How the brain's pattern recognition and shortcuts can affect investing and emphasizes the importance of doing thorough research.
• How few people actually do the hard work and most rely on others.
• The need to understand what you are investing in just like you need to understanding what you are eating.
• The importance of understanding market trends, particularly in gold and silver.
• Using caution when investing in gold miners due to their volatility and boom-bust cycles.
• The benefits of investing in royalty companies for their low capital requirements and consistent returns.
• Happy Independence Day!

For more information, visit the show notes at https://moneytreepodcast.com/your-food-choices-effect-your-investing-621

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

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For more information, visit the show notes at https://moneytreepodcast.com/your-food-choices-effect-your-investing-621

Today we welcome Jason Crawshaw from Polaris to talk about investing in international markets. Originally from South Africa, he is now a portfolio manager here. His journey's been a rollercoaster, from business school in the US to cutting my teeth in Johannesburg's equity market. Now, for over a decade, he's called Polaris home, focusing on global value. Lately, he is locked on international plays, whether it's established or emerging markets. Learn more about the future of investing in international markets! T

his week we discuss...

• Jason's experience in the equity market, particularly in fundamental equity analysis, with a focus on cash flow generation.
• How Jason's investment strategy revolves around discounted cash flow analysis, particularly focusing on maintenance cash flow adjusted for inflation.
• Jason's preference for international markets over the US due to perceived value opportunities.
• The dominance of the US in global equity markets and the potential overvaluation compared to other regions.
• Regions like Europe and their economic challenges, energy concerns, and regulatory issues.
• Emerging markets: past enthusiasm and current challenges, especially in China.
• Africa as a frontier market with demographic advantages but also currency and governance challenges, making it difficult for equity investors.
• The importance of capital allocation and shareholder returns, and the impact of management decisions on stock performance.

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-international-markets-jason-crawshaw-629 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Megan Gorman | The Wealth Intersection
• Phil Weiss | Apprise Wealth Management

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Did you know that Willie Mayes can teach us a lot about the stock market? Baseball and investing may have more in common than you think! We talk market statistics, market inefficiencies and arbitrage -- once a profitable strategy is widely known, it loses effectiveness due to widespread adoption (think the short squeeze on GameStop). We also discuss the potential decline of the US dollar's dominance as the world's reserve currency and the direction energy sources may go in the future. It's important to be financially prepared! Today we discuss...

Market statistics and sports statistics can be loosely tied together, with both requiring consideration of multiple metrics for evaluation. There is no single metric that defines the best stock or the greatest player in sports. Efficient market theory suggests that market inefficiencies are arbitraged out over time as more people exploit them. How hedge funds often exploit small arbitrage opportunities, but these opportunities may disappear once they are widely known. Momentum trading strategies can lose effectiveness as more market participants adopt them. How some investors track congressional actions and use them as indicators for investment decisions, but this strategy may lose effectiveness over time. Roaring Kitty's success with GameStop illustrates how retail investors can challenge institutional investors by exploiting publicly available information. The Senate passed a nuclear bill aimed at reducing costs and expediting the permitting process for nuclear energy projects. The expiration of a 50-year trade agreement with Saudi Arabia signals a shift in global power dynamics and highlights the need for the US to transition to alternative energy sources.

For more information, visit the show notes at https://moneytreepodcast.com/willie-mayes-can-teach-us-619 

Today's Panelists:

Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners

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