Real Money Pros

Financial advisor Brian Wiley and attorney Steve Rausch sit down with insurance expert Steve Marsh to discuss Medicaid expansion in Idaho, and what to expect for both the open enrollment period, and what's in the works for 2020. 

A listener calls in with a question about mileage allowance with a new job, and what the tax consequences might be.

Brian Wiley, Financial Advisor www.treecityadvisors.com

Steve Rausch, Attorney www.capitalcitylawoffice.com

Steve Marsh, Medical Insurance www.medicalplansofidaho.com

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In this solo show, financial advisor posits why the president might want to cut interest rates to zero, "or lower" - what are the benefits individuals and the country as a while might see from such a move?

Then, a little history lesson on the markets before and after 9/11, and how those times compare to what we're seeing in 2019.

Finally - a recession is scary and bad, right? Brian thinks we need one. As he's mentioned before, tree roots grow in winter, and without a contraction, the US economy cannot see another spring.

Brian Wiley, Financial Advisor www.treecityadvisors.com


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Financial advisor Brian Wiley is joined by CPA Hazen Armstrong and solar energy expert Brien Riff of Big Dog Solar to discuss why Idaho is so great for harvesting the power of the sun, and why the installation of panels is a great investment for many homeowners.

On the tax side, Hazen and Brien explain the nearing "sundown" for tax credits, and why it's important to speak with a tax professional before you lay down the cash.

A number of callers have great questions for the team, and there's a ton to learn in this episode. 

Brian Wiley, Financial Advisor www.treecityadvisors.com

Hazen Armstrong, CPA robbinsarmstrong.com

Brien Riff, Big Dog Solar


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Financial advisor Brian Wiley and attorney Steve Rausch sit down to discuss the state of the Treasure Valley's real estate market and ask the question on many people's minds: are we in for another slowdown? The rest of the nation's major metropolitan areas have already seen the beginning of a decline, and yet the Boise MSA continues to enjoy (or loathe) seemingly exponential growth. Is a drop inevitable, or will we see a leveling-out? 

A caller provides a delightfully practical story of starting small and living within one's means. Brian encourages everyone to avoid mania when it comes to any trend. If you feel like you're missing out, it's already too late.

Brian Wiley, Financial Advisor www.treecityadvisors.com

Steve Rausch, Attorney www.capitalcitylawoffice.com


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In this solo show, Brian discusses the big market pop as the US and China agree to continue tariff talks in October. There's a big problem with the news media - especially in regard to market news. CNN and FOX Business News cover the same story with completely different viewpoints, even on jobs numbers.

Trump has submitted his plans to end the conservatorship on Fannie Mae and Freddie Mac, coupled with another Fed rate cut expected later this month. There is a big investment opportunity in this for all of us - Brian explains how and why we all need to act on this news.

Brian Wiley, Financial Advisor www.treecityadvisors.com


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Federal spending has increased by 20% under the Trump administration to the tune of trillions. The president has done the opposite of his promise to decrease spending and reduce the deficit. 

Brian and Steve don't know how it's possible to have faith in our elected officials when we're spending more than we've ever spent, with another $57 trillion earmarked for the next 9 years. Increase taxes, increase spending, rinse and repeat. 

A caller provides some stark examples of other societies where this system failed (Rome, anyone?). Pro Life weighs in, too.

Do you feel cheated yet? Aren't your disappointed? When does it become time to draw a line in the sand and finally say, "enough is enough"? By all accounts, we've already gone too far into debt to recover from the debt monster.

Brian Wiley, Financial Advisor www.treecityadvisors.com

Steve Rausch, Attorney www.capitalcitylawoffice.com


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Brian and Steve do their best to avoid political issues on the program - including the ever-contentious 2nd Amendment debate. In a nation which sees near weekly mass shootings with minimal response from government leaders, we're seeing private corporations like Walmart and Kroger take customer safety into their own hands. 

This seems to irk the more fervent firearms activists, but ultimately it boils down to another very American tenant: capitalism, and the Market of Choice. We are blessed with many inalienable rights, and with liberty being one of these, the criticism of privately held companies choosing to discontinue sales of ammunition and firearms is antithetical to the spirit of the contenders. 

A number of callers weigh in to provide their thoughts on the matter. 

Brian Wiley, Financial Advisor www.treecityadvisors.com

Steve Rausch, Attorney www.capitalcitylawoffice.com


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The economic rumor mill continues to foment worry, discontent, "irrational exuberance", and plenty of other unfortunate feelings among every day Americans and politicians alike. To what end? 

We can't agree on the definition of a recession, but Brian is sure of one thing: overblown, uneducated, skewed opinions are causing major damage, and it's the little guy (here and abroad) who will be effected. The Boy Who Cried Recession will bring the wolves if we're not careful.

We are all weak to something. It might be petting dogs, alcohol, fast cars, greed, or reactionary fear. If it's all of those, try not to mix them. Ultimately, greed and fear will hurt your portfolio, and one's cortisol levels. Investors who can't remove emotions from the equation hurt not only themselves, but everyone else. If you can't break the habit, it's either time to see a financial planner, or get out of the market before you worry yourself sick.

Brian Wiley, Financial Advisor www.treecityadvisors.com


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Vice, vice, baby?

Investing is capitalism in its purest form - but not all investors are willing to invest in everything. Whether it's Big Tobacco, the growing cannabis industry, arms, or liquor - there's an increasing number of options for those hoping to avoid Sin dividends. 

Catholics, Muslims, Women, or socially-conscious investors have more and more options these days. Brian wants to know - do you draw a line at certain companies, or is cash the king?

He also wants to know why people still smoke cigarettes - a caller weighs in, and expounds on the cost of drug testing as a business owner.

Ultimately, invest in what you believe in if it helps you sleep better at night. The dividends might not be as big, but your heart might feel a little bigger.

Brian Wiley, Financial Advisor www.treecityadvisors.com

Steve Rausch, Attorney www.capitalcitylawoffice.com


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Investors continue the so-called "flight to quality" by buying more into bonds in the name of "safety", but when does risk aversion become so extreme that there's little use to invest at all? 

Emotions and investing are a dangerous combination, but it often proves difficult to separate the two because both greed and fear are powerful.

A caller from the west side of the valley share his opinion, another caller asks for help.

Finally, a difficult farewell to a beloved client. Rest in peace with your beloved bride, Mike. We'll all miss you.

Brian Wiley, Financial Advisor www.treecityadvisors.com

Steve Rausch, Attorney www.capitalcitylawoffice.com


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