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On The Money Radio Show with Jerry & Nick Royer
By Nick RoyerSociety & Culture
On The Money Radio Show with Jerry & Nick Royer episodes
- Black Swans & All Weather Approaches - April 26, 2025This week's "On the Money with Jerry and Nick Royer," features discussions revolving around financial planning and retirement strategies. Jerry and Nick Royer, retirement wealth specialists and media contributors, tackle various topics such as tax efficiency, healthcare, legacy planning, and protecting against market risks. The show highlights the importance of having a comprehensive financial plan to navigate both favorable and unfavorable market conditions.
Throughout the podcast, the hosts emphasize the impact of rising government debt on taxes in retirement, especially with the anticipated expiration of the Tax Cuts and Jobs Act. They educate listeners on how crucial it is to prepare for potential tax increases and the importance of optimizing retirement savings.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - Navigating Market Volatility and Preparing for Recession - April 12, 2025In this episode of "On the Money with Jerry and Nick Royer," the financial duo dives deep into the concerns surrounding current market volatility and the looming question of whether we are heading towards a recession. Jerry and Nick draw comparisons to the Great Recession of 2007-2009, highlighting recent market fluctuations and increased volatility. They discuss the significant impact of the "Magnificent Seven" (tech giants like Apple, Microsoft, and Amazon) on the NASDAQ index and stress the importance of having a balanced portfolio that accounts for market cycles. Throughout the episode, they address the natural market corrections that occur approximately every 18 to 24 months and emphasize the necessity of proactive financial planning to weather these downturns.
Jerry and Nick also tackle the concept of "reverse dollar cost averaging" and its effects on retirees' portfolios during market declines. They stress the importance of having an asset protection plan, which includes a balanced mix of growth-oriented and principal-protected investments.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - DIY Pitfalls, Financial Jargon and an Upcoming Event - April 5, 2025"On the Money with Jerry and Nick Royer" emphasizes the importance of professional financial guidance to secure a stable, low-risk retirement. Hosts Jerry and Nick Royer explain that a good financial advisor can significantly increase net returns through comprehensive strategies including behavioral coaching, asset allocation, rebalancing, and tax planning. Drawing parallels with sports, they illustrate that small, consistent improvements, akin to coaching in golf, can lead to substantial long-term benefits. The podcast underscores the common pitfalls of DIY investing, such as emotional decision-making and tax inefficiencies, advocating for professional assistance to avoid these errors.
The Royers stress the value of a holistic retirement plan that encompasses multiple facets of financial management, including investment, income, tax, healthcare, and estate planning. They caution against the "set it and forget it" mindset, asserting that continuous management and adjustments are necessary to maintain a healthy financial portfolio.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - Recent Market Volatility & Four Retirement Pillars - March 22, 2025In this episode of "On the Money with Jerry and Nick Royer," the father and son team focus on essential strategies to secure a successful retirement. They tackle key issues such as market volatility, tax planning, and the importance of diversification in investment portfolios. Jerry and Nick explain how the stock market's recent ups and downs impact retirement funds and offer insights into creating a balanced portfolio that minimizes risk. The hosts emphasize the significance of performing a stress test on your investments to understand the potential impacts of a market downturn on your retirement plans. They also highlight the need to protect your savings from paying too much in taxes by properly allocating funds across tax-now, tax-later, and tax-never buckets.
The episode introduces the concept of four pillars for retirement: protection, growth, income, and liquidity. Jerry and Nick outline the importance of having a comprehensive retirement plan that includes reliable income sources such as Social Security and pensions, as well as strategies for minimizing taxes and healthcare costs. The hosts stress that having a written financial plan is crucial and that many people may not realize their current strategies might not be sufficient. By leveraging their expertise, Jerry and Nick aim to help people build solid retirement plans that can withstand market fluctuations and secure their financial future.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - 4 Strategies for Navigating Market Volatility + 8 Steps to Healing Your Finances - March 15, 2025In this episode of "On the Money with Jerry and Nick Royer," the hosts discuss various strategies to secure your retirement amidst market volatility and economic downturns. They emphasize the importance of having a well-balanced financial plan that includes both high-risk and low-risk investments. Jerry and Nick introduce two critical rules that highlight the regular occurrence of market corrections and crashes, suggesting that investors should always be prepared. They recommend maintaining a balance of "green money" (safe investments) and "red money" (more volatile investments), ensuring you don't have to sell at a loss during a market dip.
The episode further explores the significance of rebalancing and re-aligning your portfolio, especially after market surges or downturns. Jerry and Nick stress the need for an emergency cash reserve and discuss the benefits of diversified investments, including principle-protected investments and structured notes, which can offer high-income potential with limited downside risk. They also provide tips on avoiding common pitfalls like fear-driven decisions and the lure of high-risk investments during economic booms.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - What is a Good Monthly Retirement Income - March 8, 2025Are you aware of the common investing mistakes that could jeopardize your retirement savings? In this episode of "On the Money with Jerry and Nick Royer," the father-son financial coaching duo shares their insights on the five major investing pitfalls and how to avoid them. The episode dives deep into the emotional and psychological aspects of investing, such as the fear induced by sensational media headlines and the dangers of reacting impulsively to market fluctuations. Jerry and Nick emphasize the importance of having a solid investment plan that prioritizes long-term goals and strategic rebalancing to maintain financial stability.
The discussion continues with practical strategies on managing risk appropriately according to your age and financial situation. The Royers share valuable guidelines like the "Rule of 100" to help listeners determine their optimal risk exposure. They also highlight the significance of regular portfolio rebalancing, intelligent tax planning, and seeking professional financial advice to navigate the complexities of retirement planning.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - A Good Monthly Retirement Income & Questions to Ask Your Financial Advisor- March 1, 2025In this episode of "On the Money with Jerry and Nick Royer," hosts Jerry and Nick dive into the essential strategies for securing a comfortable and sustainable retirement. The discussion kicks off with insights from the Bureau of Labor Statistics on average expenses for those 65 and older, emphasizing the importance of tailoring retirement plans to individual lifestyles and financial goals. The Royers highlight the significance of picturing your ideal retirement and developing a realistic spending plan that accounts for all facets of your current expenses.
The episode further explores the various risks retirees face, such as inflation, longevity, and changes to social security. Jerry and Nick stress the importance of diversification, not only in terms of assets but also taxes. They break down the three critical tax buckets—tax now, tax later, and tax never—providing practical examples and strategies to optimize each. Listeners are guided through the process of creating a tax-efficient retirement plan that ensures more of their hard-earned money stays in their pockets rather than going to the government. If you've been trying to figure out the best way to prepare for retirement amidst economic uncertainties, this episode is a must-listen.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - Critical Money Moves for a Secure Retirement - February 8, 2025In this episode of "On the Money with Jerry and Nick Royer," financial experts Jerry and Nick Royer, alongside host Mark Elliott, provide timely advice on how to make informed money decisions as you approach retirement. They delve into crucial topics, starting with the complexities surrounding Social Security and the immense impact that strategic claiming can have on your retirement fund. With over a thousand rules governing Social Security, the Royers discuss how navigating these choices can result in significantly higher benefits, making it essential to avoid the common pitfall of taking these decisions at face value.
The conversation then transitions to the importance of having a solid retirement income analysis. By comparing it to a car's fuel gauge, Jerry and Nick explain how this analysis can predict how long your savings will last, providing peace of mind and a clearer picture of your financial future. They highlight the necessity of a withdrawal strategy, addressing the outdated 4% rule and emphasizing the importance of tailored strategies that focus on sustainable income over time. The Royers also discuss the importance of regularly reviewing your financial situation and having professional guidance to navigate the twists and turns of retirement planning. This episode is a valuable resource for anyone looking to solidify their financial foundation as they transition into retirement.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - Navigating Market Volatility and Securing Your Retirement - January 18, 2025In this insightful episode of "On The Money with Jerry and Nick Royer," hosts Jerry and Nick delve into the critical financial issues affecting today's retirees. They tackle the enduring volatility of the market, examining recent economic indicators like inflation and fluctuating market indexes. With in-depth analyses, they discuss strategies to safeguard your retirement portfolio, stressing the importance of adaptability in investment approaches. The Royers share their expert advice on maintaining financial security amidst an unpredictable economic landscape, emphasizing the need for proactive planning and risk management. They also cover practical steps to assess your financial health, from stress-testing your portfolio to implementing comprehensive income plans.
Jerry and Nick then shift focus to the pressing issue of inflation's impact on retirement, offering actionable strategies to mitigate its effects on your investments and daily expenses. This episode is packed with valuable insights for anyone looking to achieve a stable and prosperous retirement, making it a must-listen for those concerned about market volatility and long-term financial planning
Plus, some trivia on inflation!
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min - Market Volatility and Resolutions - January 11, 2025Nick and Jerry discuss market volatility and the impact on retirement savings. Plus, resolutions to keep in mind for a new year and how to invest when interest rates get cut like they recently were.
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/58 min
About On The Money Radio Show with Jerry & Nick Royer
From the publisher's feed
Join America's Father & Son Retirement Wealth Team, Jerry and Nick Royer, as they co-host the On The Money with Jerry & Nick Royer Radio Show which is your one stop show for financial tips and…
ideas you can use to help get you to and through retirement with more confidence and clarity. Jerry and Nick are TV personalities on CBS, NBC, and ABC news affiliates. They are also keynote speakers, authors, radio show hosts, and consumer advocates. Their nationally syndicated radio show airs on numerous stations and coast-to-coast on iHeartRadio. And now you can benefit each week just like thousands of other radio listeners.
Catch “On the Money with Jerry and Nick Royer” Saturdays from 8 – 9am and 6 – 7pm Eastern on WORL-AM 950, WBZW-AM 1520, and WORL-FM 94.9. Listen on Sundays from 7 – 8am Eastern on WORL-AM 950 and WORL-FM 94.9.
Disclosure: We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.Investment advisory services provided by Brookstone Capital Management LLC, an SEC Registered Investment Advisor. Group 10 Financial, LLC and Brookstone Capital Management LLC are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.The purpose of this website is to provide general information on the subjects discussed, it is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm does not provide tax or legal advice, all individuals are encouraged to seek guidance from qualified professionals regarding their personal situation.Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.Who’s Who in Finance and Industry, Who’s Who in America and Who’s Who in the World designations; the flag flown over the U.S. Capitol; and the Honorable Kentucky Colonel designations are all paid opportunities. They are not representative of any one client’s experience and provide no guaranteed assurance or warranty of the character or competence of those designated. Always make financial decisions on the basis of your own due diligence.The flag flown over the U.S. Capitol and the Honorable Kentucky Colonel designations are both paid opportunities. They are not representative of any one client’s experience and provide no guaranteed assurance or warranty of the character or competence of those designated. Always make financial decisions on the basis of your own due diligence.The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), should not be construed as an endorsement of the wealth manager by Crescendo Business Services or any client. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winner’s future performance. For more information on the Five Star Award and the research/selection methodology, go to: fivestarprofessional.com/wmresearch
Catch “On the Money with Jerry and Nick Royer” Saturdays from 8 – 9am and 6 – 7pm Eastern on WORL-AM 950, WBZW-AM 1520, and WORL-FM 94.9. Listen on Sundays from 7 – 8am Eastern on WORL-AM 950 and WORL-FM 94.9.
Disclosure: We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.Investment advisory services provided by Brookstone Capital Management LLC, an SEC Registered Investment Advisor. Group 10 Financial, LLC and Brookstone Capital Management LLC are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.The purpose of this website is to provide general information on the subjects discussed, it is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm does not provide tax or legal advice, all individuals are encouraged to seek guidance from qualified professionals regarding their personal situation.Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.Who’s Who in Finance and Industry, Who’s Who in America and Who’s Who in the World designations; the flag flown over the U.S. Capitol; and the Honorable Kentucky Colonel designations are all paid opportunities. They are not representative of any one client’s experience and provide no guaranteed assurance or warranty of the character or competence of those designated. Always make financial decisions on the basis of your own due diligence.The flag flown over the U.S. Capitol and the Honorable Kentucky Colonel designations are both paid opportunities. They are not representative of any one client’s experience and provide no guaranteed assurance or warranty of the character or competence of those designated. Always make financial decisions on the basis of your own due diligence.The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), should not be construed as an endorsement of the wealth manager by Crescendo Business Services or any client. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winner’s future performance. For more information on the Five Star Award and the research/selection methodology, go to: fivestarprofessional.com/wmresearch