The Investor Coaching Show with Paul Winkler

Paul found an article from Vanguard talking about the seven places you’ll likely need to move to afford retirement. The article also claims that only the top 5% of earners will be able to afford retirement. Paul hasn’t seen that from his own personal experience and is curious why the company that is responsible for building retirement funds wants investors to know they need a back up plan. 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul uses an article from the WSJ called “Factor ETFs Fail to Deliver Their Promised Outsize Returns“ to explain what factor-based investing is and how the investment industry has turned 5-factor investing into over 400. Listen along as Paul and Ira talk about what factors actually drive returns. Later in the show, Paul shares a story about running into someone working at the hardware store who decided to get a job shortly after retiring and discusses the changes people often make after experiencing retirement for a year or two.

Paul read a book called “You’re Not Your Own” while on vacation last week that talked in depth about personal fulfillment, work, and feeling overwhelmed and distracted. Today, Paul shares some of his top takeaways from the book and why we can’t thrive in today’s climate without finding a community of people who are more interested in serving one another than competing with one another. Later in the show, Ira talks about the American Dream Experience and how it’s helping people find their true purpose for money.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul hears on Saturday hours before the show starts of the unprecedented attack on Israel and Israel’s declaration of war against Hamas. Listen along as Paul and Ira express their concern over the situation in the Middle East and admit that it is tough to talk about money and investing so close to such a tragic event. Paul’s big take away: Markets will likely be down this week but could jump up at any time. Hang tight, and don’t let anyone use a tragedy like this to take advantage of your retirement savings. Later in the show, Paul and Ira talk about a WSJ article called, “Why No One’s Going Into Accounting.”

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Anne brings a study that shows 40% of 401(k) participants just make up the number they’ll need in retirement, and 30% rely on online calculators and 410(k) projections. Paul wants investors to know that guessing what they’ll need in retirement is a great recipe for not ending up in the right place. Listen along as these advisors talk about how the financial industry isn’t set up to show you an accurate picture of your retirement and how a financial advisor can help you chart a path towards your retirement goals. Later in the episode, Paul and Anne explain why owning long-term bonds can hurt your financial future.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul has watched many investors learn the hard way about which investments to choose and where to get trustworthy advice. In this two-part episode, Paul walks through some of the most common places people go to find advice on which investments to choose and how these strategies have led many investors into poor performing products or scams. Listen along as Paul shares how you can know if an investment company is investing wisely.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul has watched many investors learn the hard way about which investments to choose and where to get trustworthy advice. In this two-part episode, Paul walks through some of the most common places people go to find advice on which investments to choose and how these strategies have led many investors into poor performing products or scams. Listen along as Paul shares how you can know if an investment company is investing wisely.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul and Anne talk about how insurance companies use misleading income projections when they look to sell fixed-index annuities. Anne brings an article that talks about the different models that are used to assure investors that their money will be safe in an annuity product and how investors don’t find out what the real returns are until it’s too late to take their money out without penalty. Later in the episode, the advisors address the psychology behind why people go to advisors for financial help but have a hard time acting on the advice.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul and Anne discuss the recent lawsuit filed by the Federal Trade Commision (FTC) and 17 states against Amazon for anti-competitive and monopolistic practices. They cover some of the allegations brought against Amazon, like controlling online search results and charging high fees to third-party vendors. Listen along to hear about the potential implications of the lawsuit on small businesses and the broader tech industry. Paul warns investors that these kinds of legal cases are unpredictable and that investors who try to use information like this to game the market end up getting hurt. They highlight the importance of competition and its benefits for consumers.

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul shares about a helpful meeting he had this week with some employees where he explained his strategy for their 401(k)s and why he does not include target date funds. Paul shares an easy-to-understand analogy that explains why these funds tend to be overweighted in the companies with the least-expected return. Later in the episode, Paul shares an article called “Tailoring Advice for the Elderly Brain” from Advisor Perspectives that explains how problem solving and decision making changes as we age. 

For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.