Cynthia, Randy and Ross discuss the issues you need to think about as you decide to start a business.

Ross, Cynthia and Randy discuss how they have uncovered opportunities for clients to reduce expenses and taxes. They encourage you to ask your advisor for advice on many things you may not realize they can assist with. If they can't assist from past experience, they may be able to refer you to a professional who can help.

Cynthia initiates a discussion with Ross and Randy regarding the process Randy is using when assisting his father with the selection of assisted-living facilities. We discussed the tone of the conversation as well as what steps needed to be taken so that the family member is in agreement with the ultimate transition.

Ross, Cynthia and Randy dissect a pay stub. We review all of the pretax and after-tax withdrawals that occur before you finally see the final amount hit your bank account. How can you maximize the benefits from some of these deductions? We'll get into the weeds on that.

Ross, Cynthia and Randy of the JS Group at Baird discuss the advantages of participating in a HSA account. Why should younger individuals be thinking about this as an important investment and tax avoidance tool?

While Ross tested his mental acuity by taking the CFP® exam, Cynthia and Randy discussed the recent hysteria over stock manipulation with social media posts. Please don't try this at home!

Randy interviews the other members of the JS Group at Baird that own pets. A recent Wall Street Journal article enumerated the many expenses of pet ownership and we discuss some of these costly surprises.

Ross, Cynthia and Randy discuss the pros and cons of freezing your credit and what the process is.

Debbie Loritz has worked for Baird for 40 years. She came out of high school to start her career at the age of 18. She recently was blessed with a little granddaughter and decided that spending more time with Charlie is her first priority. We got a little history lesson and some heartfelt reminiscing from Debbie in this interview.

Cynthia, Ross and Randy discuss portfolio management with Max Mann. Max is a CFA and portfolio manager for the Baird Specialized Asset Management team. He provides insight into the role of a portfolio manager and how they manage investment assets in these interesting times.