Real Money Pros

Who remembers the good 'ol days? The era of Coronavirus and free government money! If you've seen or heard recent advertisements regarding the ERC (Employee Retention Credit), it may be tempting as a business owner to try to get your hands on this "free" money. We have Steve Cilley of Ataraxis PEO to give his opinion on the matter and urges to keep cautious if you decide to move forward with the process. Plus, more topics surrounding business owners and hiring employees. In the second hour, Alex sits with Jeremiah to talk about the use of generating fear in order to sell investors certain ideas or financial products. At times, things like Gold, Annuities, and even Cryptocurrency are sold around the idea of protecting you from a devasting scenario. Don't fall into the trap!

Guest:

Steve Cilley, CEO

ataraxispeo.com/offer

Hosts:

Jeremiah Bates, Financial Advisor

Alex Lundgren, AIF®, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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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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Have you personally felt the impacts of our current inflation? Looking at the numbers, Energy is up and used car prices are down, but what have you noticed the most? Amid the high costs of everything, there is the silver lining of low unemployment in the United States. But is that a positive statistic in the long term? While that seems like a weird question, Alan and Brian talk about the long-term effects of a continuous desire for higher wages. With Britain's newest IPO, ARM, hitting public markets, we've realized that the IPO landscape has been very lowkey the past year. They explain how they work and the difficulties for the average investor to obtain shares of IPOs in general. Finally, questions to ask your advisor to make sure they're actually in it for you...

Hosts:

Brian Wiley, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

The Real Money Pros

https://www.therealmoneypros.com

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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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How much is enough to retire? It's actually not as much as you probably thought... If you're wanting to listen to the first hour of the show hosted by Brian Wiley and Alan Holman, visit our previous episode!

Hosts:

Brian Wiley, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

Nic Daniels, BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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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

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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Mortgage rates nearly kiss the 8% mark for a 30 year loan and starter homes in Denver can near $750,000... How did the housing landscape become like this? Alan and Brian talk about low inventory and ways you could possibly lower that interest rate. Apple stock drops, showing us that maybe the tech industry can't keep performing like this forever? While we may be far from the fall of tech, the guys discuss why investments in the energy sector may be necessary for sustained growth. Is lithium mining the new hot take? Finally, Brian and Alan explain pensions and why they're starting to gain popularity again. Important considerations before making a decision – this may be something that requires a professional.

Hosts:

Alan Holman, CFP®, Wealth Advisor

Brian Wiley, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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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

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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Have you noticed that politicians will throw out the most wild policies right before reelection season? Weird. Jeremiah and Nic start by talking about the proposed "Credit Card Competition Act" legislation that will effectively get rid of the credit card reward system. RIP to the travel industry! Plus, are utility companies really that stable? In the recent incident in Lahaina, power companies have shown us once again how much of a liability they can be. Just be careful how you invest in them... Come the second hour, Brian swaps places with Nic and talk about another sector: aerospace and defense companies with in the United States. Finally, discussed is generating income and how to gain "alpha" within your company's 401(k) plan. It may not be as optimally managed as it should be.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Nic Daniels, BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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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

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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Alan and Brian start by talking about the world of sector investing and its benefits, while also cautioning against the pitfalls of over or underweighting in a specific sector. Don't underestimate your 401(k) – it's one of your most valuable assets! Learn why precision is key when selecting investments for your 401(k) and how a knowledgeable financial advisor can make a difference when it comes to growth in that account. Your company's investment strategy may not be the most optimized... Finally, we underscore the importance of comprehensive financial planning, whether it's partnering with an advisor or meticulously navigating the process yourself. Bucket strategy, reviewing insurance policies, chartible giving, and more.

Hosts:

Alan Holman, CFP®, Wealth Advisor

Brian Wiley, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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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

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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Nvidia blew past its already-high revenue expectation for this quarter, which seemed to surprise the overall market. How long can they sustain this level of growth? In our first hour, mortgage expert, Dave Perry, sits with Nic and gives an update on the current housing landscape. They dissect the actions made by the Federal Reserve and give some reasons why it’s so difficult to buy a house today. Coming in the second hour, Adam Berry with Lively HSA helps Jeremiah explain the benefits of an HSA and how to maximize health care savings.

Guests:

Dave Perry, Academy Mortgage

Adam Berry, Lively HSA

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

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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Invidia and the technology sector is just the gift that keeps on giving. They continue to beat investor expectations, but how much longer can they keep it up? Alan stresses the number one thing to do if you're trying to short-term trade: Stick to a strategy. India goes to the moon, political noise makes its way back into the news, and – manufacturing is moving to outer space? After seeing the republican debates, do you get emotional? It's important to remember stay calm during the fear-mongering headlines and everything else that comes with politics. Green beats Red and Blue every time. Finally, some tips on strategically using life insurance to the best of its benefits.

Hosts:

Alan Holman, CFP®, Wealth Advisor

Jeremiah Bates, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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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

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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Financial advice is NOT built the same. Alex and Jeremiah explain the distinctions between the various types of financial advisors, including insurance agents, registered representatives, and IARs. The team stress the importance of comprehending how your financial advisor is compensated and the implications of their recommendations. How would your advice change if you had a financial incentive? In the second hour, Alan Holman joins Jeremiah to give important financial tips that young adults need to remember. Many of the advice is based on staying out of high-interest debt, building up a savings, and getting familiar with any programs and benefits that employers may offer. Start investing now and have time work for you!

Hosts:

Jeremiah Bates, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

Alex Lundgren, AIF®, 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

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 the first segment, Alan and Jeremiah give you this last week's market update. After seeing the most recent consumer data, we're not quite sure how much of a recession we'll actually see. While still very possible, U.S. consumers are more resilient to keep spending than ever! Next, they jump into tips that young adults need to remember. Many of the advice is based on staying out of high-interest debt, building up a savings, and getting familiar with any programs and benefits that employers may offer. Start investing now and have time work for you!

Hosts:

Alan Holman, CFP®, Wealth Advisor

Jeremiah Bates, 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

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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