Real Money Pros

Understanding the concept of options and how they're used to leverage your position in a security can be confusing for many investors. Even more daunting to put them into action within your own portfolio! While Brian and Jeremiah don't go super far into the concept, they talk about when to use leveraging strategies and how to implement them safely. Plus, how fund managers use these techniques within ETFs and mutual funds to make you money. Also in the first hour, the guys discuss what to do if you recieve inheritence, whether it be in cash or an asset. They give strategic plans on how to approach it to avoid unnecessary tax consequences. In the second half of the show, they highlight why getting started is the hardest part about investing. While we see uncertainty in the markets and in the world as a whole, it's important to prevent ourselves from making knee-jerk reactions to these kinds of things. And do bonds now belong in your growth bucket?

Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Jerome Powell's recent statements on Thursday ignite a debate on whether the Federal Reserve should slow down interest rate hikes, exploring the implications of their decisions over the last year. Jeremiah and Nic also cover Required Minimum Distributions (RMDs) and the updates from Secure Act 2.0, effective in 2024, detailing which accounts require RMDs and how to avoid penalties. Additionally, they emphasize the opportune moment to increase payroll 401(k) contributions.

Addressing millennials' financial concerns, including high credit card usage, substantial student loans, and a culture of spending, the hosts contemplate the viability of bonds as an investment. They discuss end-of-year financial moves, such as tax loss harvesting, and engage with listener questions.

Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Jeremiah Bates, Financial Advisor

Nic Daniels, BFA™, Financial Advisor

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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In this episode, we tackle the challenges of turbulent markets and difficult life events. Not everything is going to be a win! Jeremiah and Brian offer effective strategies to navigate these potential roadblocks. They also explore methods for generating stable income amidst market volatility, focusing on understanding bond yields and their impact on portfolios, along with the crucial bond price-yield relationship.

In the second hour, the team provides essential insights into financial considerations during divorce, covering joint accounts, property, debts, and legal representation. They'll discuss relevant laws and their application to accounts, as well as the importance of updating estate plans amid divorce proceedings. Plus, understanding mutual funds, IRAs, UMAs, other account types and the money-sucking fees that may be hidden.

Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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We have successes and failures throughout the course of life, as is the same with our personal financial management. Brian highlights why we should all try to find a mentor to learn from when it comes to investing, especially for those that may have not have had that sort of education through their upbringing. What types of people to work with and which types of people to not work with. Do everything you can to build that well-thought-out investment strategy! In the last hour, Brian talks about estate planning and other legal considerations. The difference between wills and trusts and in what situations they are best. Get ready for two hours of Brian Wiley, and only Brian... 

The Real Money Pros

https://www.therealmoneypros.com

Host:

Brian Wiley, Financial Advisor

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Our mortgage expert, Dave Perry, sits down with Jeremiah to discuss the current landscape of 20-year high mortgage rates. Can there still be homebuying opportunities? Dave explains why buying a home, even with near 8% interest rates, is better than not being in the market at all. He provides data to show that waiting any longer may be even more expensive.

In the second hour, Alan and Brian discuss geopolitical risks and market volatility, and how they affect asset allocation. They delve into using technical analysis to identify leading indicators and explain why the news has such a significant impact on the markets.

Guests:

Dave Perry, Academy Mortgage

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

The Real Money Pros

https://www.therealmoneypros.com

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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In this episode, we unravel the implications of Congress's recent failure to pass the Farm Bill. As the bill extends beyond just agriculture, what could be the repercussions of it not going through? Jeremiah and Nic discuss the most recent CPI numbers, and although many consumer categories are down in price, we're still feeling it in our wallets. As the United Auto Workers (UAW) strike continues, we dive into the broader conversation surrounding current inflation rates and the necessity for higher wages. How does this dynamic affect the average worker? Lastly, we set our sights on year-end financial planning. As the year draws to a close, it's imperative to make strategic moves to set yourself up for a financially successful 2024.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Nic Daniels, BFA™, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

The Real Money Pros

https://www.therealmoneypros.com

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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No risk, no reward! Jeremiah and Brian give you a market update and talk about the most recent economic developments, including the most recent and surprising jobs report. Inflation, cost of living, and the stagnation of wages. Alan Holman joins Brian for the self-titled Old Guy Hour to give their old guy perspective on the markets. If you've been around for as long as they have, you've most likely also experienced market-related PTSD that has caused you to be wary of today's market conditions. However, that just means we've seen this all before (and it's probably not going to be as bad as the economic pessimists may think). Recession or not, don't make short-term decisions with long-term money.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

The Real Money Pros

https://www.therealmoneypros.com

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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What is your 'why'? Why did you buy that stock? Why did you put your money into a CD? Is it because someone told you to, or did you copy someone else's strategy? There's a reason why it's called personal finance – it's personal to you. Jeremiah and Nic, in the first hour, talk about designing plans that work best for you, regardless of whether it applies to anyone else. Plus, listener questions! In the last half, Brian returns to the studio to focus on discovering strengths and weaknesses and finding solutions. Working with professional advisors, consider upgrading your advisors, and avoid getting too caught up in high-flying investment issues. After all, in reality, politics shouldn't dictate how you invest.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Nic Daniels, BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Jeremiah and Nic starts the show with market news – the United Auto Workers' strike, Instacart's IPO, and everything else important you may have missed. The guys move on to talk about the texts and phone calls that we never want to receive... Is your and your family's estate plan updated and where you want it to be? And if you've done those steps already, you may want to update it.

Hosts:

Jeremiah Bates, Financial Advisor

Nic Daniels, BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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In a volatile market (like the one we are currently experiencing), your investment strategy needs to take a different approach. We need to understand the impacts of investing amidst high market risk and rising interest rates. Alan and Brian start the show by discussing some of the investment opportunities that may be available in this risky environment. Is it time to reintegrate bonds into your portfolio? They explain the distinctions between bonds and bond funds, and in what situations you may want to consider them. They also address how to balance growth and income needs when faced with a less-than-ideal market, and explore how annuities can sometimes be beneficial.

Hosts:

Alan Holman, CFP®, Wealth Advisor

Brian Wiley, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

—————————————————————

SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Ataraxis PEO

https://ataraxispeo.com/offer

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/