The Financial Harmony™ Podcast

In this episode, Dr. Preston Cherry breaks down this old investing rule and why it might not work anymore. Originally tied to London’s horse racing season, the idea was to cash out in May and return in November. But in today’s fast-paced, data-driven markets, that strategy is losing steam. Dr. Cherry explains why staying invested and using smarter tactics beats trying to time the market.

Takeaways:
• Old rule, outdated
• Timing rarely wins
• Stay invested long-term
• Use smart rebalancing
• Focus beats fear

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Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Preston Cherry breaks down why Health Savings Accounts (HSAs) are a powerful tool—not just for today’s medical bills but for building your retirement nest egg. With big tax perks and long-term flexibility, HSAs can do more than you think. Learn how to use them smartly now and in retirement.

Takeaways:
• Triple Tax Advantage
• Max Out Contributions
• Invest for Growth
• Cover Future Healthcare
• No Expiration Date

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Preston Cherry breaks down key retirement accounts like 401(k)s, Roth IRAs, and traditional IRAs. He explains where to save, invest, and withdraw money for retirement — and why taxes matter. The talk covers contribution limits, tax perks, smart strategies for high earners, and common planning mistakes to avoid.

Takeaways:
• Know where to save
• Use employer plans
• Roth vs. traditional
• Max out contributions
• Avoid common errors

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Preston Cherry breaks down a common mistake investors make: thinking the S&P 500 is enough. While it’s a strong index, it’s mostly U.S.-focused and tech-heavy. This “home bias” can hurt your returns, especially during U.S. market downturns. Adding international stocks spreads your risk and gives you access to different economies, industries, and opportunities. History shows: global diversification works.

Takeaways:
• Avoid home bias
• Add global balance
• Tech isn’t everything
• Diversify by country
• Review regularly

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Preston Cherry challenges the “self-made millionaire” myth, revealing that wealth is rarely built alone. Real success comes from more than just hustle—it’s shaped by support systems, relationships, and access to resources. Using real stories, he reminds us to stay humble and grateful for the help we receive along the way.

Takeaways:
• Success takes support
• Hustle isn't enough
• Networks build wealth
• Gratitude matters
• Invest in yourself

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Cherry breaks down why Gen X is struggling the most with student loans—and what you can do about it. From confusing repayment plans to the fine print of forgiveness programs, understanding your options now can save you thousands later. If you're feeling stuck or overwhelmed, this conversation can help you take back control of your financial future.

Takeaways:
• Gen X = Highest debt
• Know your repayment plan
• Forgiveness is possible
• Avoid costly forbearance
• Act now, save later

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services.

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Cherry honors Warren Buffett by breaking down his famous investment strategies and clearing up common myths. She explains why understanding frugality, cash flow, and thinking long-term are crucial for growing wealth. Dr. Cherry also points out how individual investors differ from big institutions, especially when it comes to risk and timelines. The talk ends with a powerful reminder: mindset and education are the real keys to financial success.

Takeaways:
• Spend less, invest more
• Cash flow builds wealth
• Think long-term always
• Stay ready for opportunities
• Mindset drives success

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services.

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Cherry breaks down the financial challenges oil and gas executives face—like managing complex pay packages, stock units (RSUs), and big tax bills. He shares smart strategies to avoid tax surprises, protect wealth, and plan for a secure retirement.

Takeaways:
• Plan for tax hits
• Watch RSU timing
• Limit company stock
• Max out 401(k)
• Think long-term

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Preston Cherry breaks down why taxable brokerage accounts are a smart tool for building long-term wealth. While the word “taxable” might sound like a disadvantage, these accounts offer surprising benefits: flexible withdrawals, lower taxes on gains, and smart strategies like tax loss harvesting. They're also great for estate planning, giving your heirs a valuable step-up in cost basis. When used right, these accounts can play a powerful role in your financial plan.

Takeaways:
• Build long-term wealth
• Lower tax rates
• Withdrawal flexibility
• Offset investment losses
• Boost estate value

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com

In this episode, Dr. Preston Cherry opens up the conversation Gen X needs to have—with their parents and grandparents. From healthcare decisions to family legacies, it’s time to stop avoiding the tough talks and start planning with heart and clarity. Dr. Cherry shares how to begin these discussions, what documents matter most, and why talking now can save a lot of confusion later. It’s not just about the money—it’s about meaning, values, and dignity.

Takeaways:
• Start the Talk Early
• Plan with Purpose
• Protect Family Legacy
• Secure Long-Term Care
• Keep Dignity Intact

Want to learn more? Connect with us below!

Stay informed and inspired! Join our FREE wealth & well-being newsletter

Do you want confidence & clarity? Check out our award-winning wealth advice services

Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life’

Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The Financial Harmony™ Podcast is produced by Concurrent Wealth Management. Dr. Preston Cherry, CFP®, Ph.D., is the founder and a dollar-based flat-fee fiduciary financial advisor based in Houston. 

He works directly with high-income Gen X professionals and oil and gas executives on retirement, tax, and investment decisions through comprehensive financial planning and integrated investment management.

Learn more at concurrentfp.com