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In this episode, I’m sharing a great conversation I had with Adam Cmejla, CFP® on his podcast, 20/20 MONEY. We talked about something that’s changing the way people invest: direct indexing. Not familiar with direct indexing? Don’t worry, you’re not alone. We break it down in a simple way so you can see how it might work for you.

We also chatted about how strategies like tax loss harvesting can help you manage your investments more efficiently, especially if you own a business or are preparing for a major financial milestone, like selling a practice.

I’m excited to share this conversation with you in hopes you’ll be able to learn practical and approachable ways you can make more thoughtful, informed decisions with your money.

Listen now and learn: ► What “direct indexing” is and how it can help you save on taxes.

► Why tax loss harvesting is a game-changer for your financial plan.

► How investing is about much more than just returns.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

(01:36) What is Direct Indexing? (06:02) Tax Loss Harvesting Explained (13:59) The Evolution of Investing (19:33) Use Cases for Business Owners (25:07) Accumulation vs. Decumulation (31:00) Risks and Misconceptions (38:06) Future of Direct Indexing

Ready to retire but uncertain about your next steps? Let’s build a retirement plan you can count on. Schedule a call with Peter now.

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Do you know what to look for when hiring a financial advisor?

Choosing a high-quality advisor can feel overwhelming, with countless titles, credentials, and compensation structures to navigate. In this episode, we discuss core items to look for, a framework to identify an advisor who aligns with your goals, and how the fees could impact your retirement plan.

Listen now and learn:

• The biggest myths about financial advisors that could cost you

• Why some advisors might not have your best interests at heart

• Key steps to simplify the process of finding the right financial partner

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Ready to retire but uncertain about your next steps? Let’s build a retirement plan you can count on. Schedule a call with Peter now.

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Is managing your finances yourself costing you more than you realize? Discover the real value a financial advisor may be able to bring to your retirement planning.

This episode explores the pros and cons of going solo in your financial journey versus partnering with a professional advisor. Using relatable analogies and real-life examples, Peter highlights how a financial advisor may be able to help you avoid costly mistakes, seize growth opportunities, and simplify your financial life. Whether you’re a do-it-yourself investor or considering professional guidance, this episode provides practical insights to help you understand if professional guidance could be a good fit for you.

Listen now and learn:

• The hidden costs and risks of do-it-yourself retirement planning.

• How financial advisors bring value beyond just managing investments.

• Practical considerations for deciding when and why to hire an advisor.

• The benefits of having a comprehensive financial plan for long-term success.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Want a peek behind the scenes? Get my top 5 must-read financial articles that keep me ahead on innovative planning and investment strategies—exclusive, curated, and straight to your inbox bi-weekly when you sign up for my newsletter.

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2024 brought its share of twists and turns for markets, leaving valuable lessons in its wake.

In this episode, I sit down with Michael Batnick, Managing Partner at Ritholtz Wealth Management, to reflect on the biggest headlines of the year and share actionable insights to help you prepare for whatever 2025 brings. Learn how to navigate uncertainty, stay grounded in your long-term plan, and position your portfolio for success.

Listen now and learn:

• Why market predictions are valuable—even when they’re wrong.

• The surprising role consumers played in shaping 2024’s economy.

• How to navigate tech dominance, stock-picking temptations, and market uncertainty.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

TIMESTAMPS: 

[00:42] Predictions: A Fun Reminder That No One Can Predict the Future

[02:09] The Evolving Role of Advisors: From Investing to Planning

[04:27] Interest Rates: How the Fed and Consumers Shaped 2024

[10:34] NVIDIA, AI, and Why Most Investors Should Avoid Stock Picking

[15:40] Bitcoin ETFs and the Crypto Adoption Story

[23:37] Diversification vs. U.S. Market Outperformance

[26:15] 2025 Interest Rates and Presidential Elections: Staying Calm Through Uncertainty

[30:07] Wrapping Up: Predictions, Lessons, and Looking Ahead to 2025

Proactive tax planning could save you thousands. If you're ready to hire an advisor, my team at Plancorp is here to help. Schedule a call today to learn more.

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Avoiding tax surprises isn’t just about filing on time—it’s about planning ahead. 

This episode shares six real life examples of how tax projections can potentially save you thousands on your future taxes and thoughtfully guide the bigger picture of your financial plan. Learn actionable strategies for reducing your tax liability, whether you’re managing retirement withdrawals, timing business expenses, or exploring Roth conversions.

Listen now and learn:

• Why tax projections are essential for proactive financial planning.

• Strategies for minimizing taxes on Social Security, RMDs, and capital gains.

• How to use tax projections to optimize your financial decisions year-round.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Thinking about hiring a financial advisor? It could be a great decision—if you know how to evaluate them. Get my free worksheet to follow a proven process and avoid common mistakes.

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Navigating equity compensation can be tricky, especially when the year-end tax clock is ticking. 

In this episode, Ally Jane Ayers, a leading expert in the complex world of equity compensation, shares tax-smart strategies to optimize your stock options, RSUs, and equity packages. Whether you hold RSUs, ISOs, or stock options at a private company, Ally’s insights will help you tackle tricky tax issues, reduce over-concentration risks, and align your equity with your financial goals.

• Key tax considerations for equity compensation before December 31
• How to avoid costly under-withholding on RSUs.
• Advanced strategies to diversify concentrated stock positions and preserve gains.
• The power of 10b5-1 plans for stress-free stock selling.

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

(00:37) Key Tax Considerations for Year-End Stock Compensation Planning

(03:54) The Importance of Multiyear Equity Planning

(09:24) Exercising Stock Options at Private Companies

(14:10) Managing Risk with Equity Compensation

(22:27) Advanced Strategies for Managing Mixed Equity Packages

(25:38) Creative Ways to Preserve Gains and Minimize Taxes

(32:49) Leveraging 10b5-1 Plans for Stress-Free Selling

(34:56) Final Tips for Equity Compensation Holders

Want a peek behind the scenes? Get my top 5 must-read financial articles that keep me ahead on innovative planning and investment strategies—exclusive, curated, and straight to your inbox bi-weekly when you sign up for my newsletter.

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Are you paying more in taxes than you need to? 

As the year winds down, now’s an ideal time to make smart moves that can lower your tax bill—especially if you’re close to or in retirement.

In this episode, I share simple, practical strategies to help you keep more of your money. From making the most of tax-friendly accounts to reducing the bite of capital gains, these tips can make a real difference in your finances while keeping your long-term goals on track.

Listen now and learn:

• Easy ways to lower your tax bill before the year ends

• How to make sure you’re not paying more taxes on investments than necessary

• The best ways to plan for your retirement income and avoid costly tax surprises

• Common mistakes people make with taxes—and how to steer clear of them

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

What’s the role of bonds in your retirement portfolio in a high-yield environment?

In this episode, PIMCO’s David Braun breaks down the evolving fixed-income landscape. With 30 years of investment expertise, he shares insights on how rising yields create opportunities, why active management is essential for bonds, and what the U.S. national debt means for investors.

Listen now and learn:

• The role of core bonds in retirement planning

• Why active management outshines passive strategies in fixed income

• Emerging trends shaping the future of fixed income investing

• How rising U.S. debt levels could impact bond yields and risk profiles

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

[00:30] What is the Role of Core Bonds in a Portfolio?

[04:46] Rising Yields and Resetting Expectations for Bonds

[10:00] Active vs. Passive Management in the Bond Market

[19:12] National Debt and Implications for Bond Investors

[27:26] Future Trends in Fixed Income Investing

[31:42] Addressing Misconceptions About Bond Math

[34:34] Closing Thoughts and Resources

What does it take to think clearly and stay rational in a world full of financial noise?

This episode features part two of a rare conversation with Jason Zweig, acclaimed financial journalist and author of Your Money & Your Brain. From behind-the-scenes wisdom gleaned from Warren Buffett and Charlie Munger to the psychology driving your financial decisions, Jason delivers invaluable insights that will reshape how you think about investing.

Listen now and learn:

• Lessons from legendary investors and their surprising strategies

• How cognitive biases and dopamine affect your financial decisions

• Why creating investing rules is key to long-term success

• The future of finance: from indexing to cryptocurrency

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

TIMESTAMPS:

 [00:30] Jason Zweig’s Unplanned Path to Financial Journalism

[04:06] Pivotal Advice: “Don’t Get Anyone’s Blood on Your Hands”

[07:31] Learning from Industry Giants: Wisdom from Buffett, Munger, and Others

[11:10] Daniel Kahneman’s Work on Cognitive Illusions

[15:20] Neuroeconomics: A Window (and a Mirror) into Investor Behavior

[19:14] The Brain on a Hot Streak: Dopamine and Anticipation

[24:10] Laughing at Wall Street: Creating The Devil’s Financial Dictionary

[29:08] Questioning the Future of Finance

[34:13] A Lesson from the Antiques Market: Not Everything Always Holds Value

[39:05] Price Feels Like Proof: The Trap of Anchoring on Success

[41:18] What Excites Jason Zweig About the Future of Investing

Are today’s markets testing your patience, or making you question your strategies? Jason Zweig believes that timeless investment wisdom is more relevant now than ever.

In this episode, we’re recording live from the New York Stock Exchange as Zweig discusses why Benjamin Graham’s "The Intelligent Investor" remains a cornerstone of disciplined investing. Zweig shares insights on the psychological challenges investors face, the role of human nature in decision-making, and why mastering market psychology is key to achieving lasting success.

Listen now and learn:

• Why core investment principles remain crucial in a fast-paced world

• How to make market psychology work for, not against, you

• Strategies to recognize and manage emotional biases in investing

• The true meaning of being an intelligent investor

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.