Social Security is the cornerstone of retirement income – about 1/3 of American retirees recieve 90% of their retirement income from Social Security alone. With so many people relying on it, you'd assume that they all know what they're doing, right? Well, not quite... Social Security can be a tricky thing to fully understand, especially if you want to get the most out of your money. Alexandra Lundgren joins Jeremiah on this broadcast to relay the information she has been learning about Social Security as she's worked towards becoming a certified Social Security Advisor. Delaying benefits, coordinating claims with your spouse, dealing with a previous marriage, and much more.

Hosts:

Jeremiah Bates, Financial Advisor

Alex Lundgren, AIF®, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

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Lively (HSAs and FSAs)

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Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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You've probably heard us talk poorly about annuities and other related investment products... and we're here to tell you that again. But in all seriousness, annuities are usually below-average performing investments that aren't beneficial to the majority of investors – especially those still in the accumulation stage. This morning, Alan Holman and Brian Wiley explain how annuity products operate and how you could easily be sold one by a slick-talking salesperson. While they warn against the cons of these, there are actually times where an annuity can be a great option for certain people.

Hosts:

Brian Wiley, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Outside of the United States, we’re seeing countries starting to form demographics that consist of more older people than there are younger people – Italy being one of them. Though it’s one of the hottest tourist destinations, it’s becoming less and less affordable for those that live there. Nic highlights the current issues that they’re having within their economy and how it’s related to our current Social Security system. Is it finally time to reform our retirement programs?

Host:

Nic Daniels BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Building a successful retirement fund doesn't happen without a solid plan to back it up. How else do you compensate for your child's college tuition, an expensive hospital bill, or a random series of expenses you never saw coming? Brian hosts the show solo today to explain the important of a financial plan and a look into the "Bucket Strategy" that he uses for his clients.

Hosts:

Brian Wiley, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Are we headed into a recession? Alan Holman believes so, but does that really mean much to your financial plan? We talk about Money Market accounts, what not to confuse them with, and how they fit into your planning buckets. We dive deeper into our “Bucket Strategy” and discuss whether or not Alternative Investments are worthy of time for the average investor. There are also questions you need to be asking your advisor or anyone selling you any sort of financial product. Treat them like you would a doctor – get a second opinion!

Hosts:

Brian Wiley, Financial Advisor

Alan Holman, CFP®, Wealth Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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Last week, Advanced Auto Parts (AAP) announced a major cut in their dividend. The company  announced lower-than-expected earnings per share and revenue for the first quarter of 2023, citing challenging and competitive dynamics. As a result, they reduced their earnings per share forecast by 40% and cut their quarterly dividend from $1.50 per share to $0.25 per share! This is just one example of how dividends are never guaranteed. Nic explains the potential pitfalls of investing for dividend income and why companies even pay dividends in the first place.

Host:

Nic Daniels BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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After weeks of built up anticipation, we were able to see a deal reached for the U.S. Debt Ceiling. As a result, we saw a fair amount of market optimism – Jeremiah and Nic give a brief market update on what happened this last week. May marked the 29th consecutive job report that showed more jobs were added to the market. Since the report is one of the data markers that the Federal Reserve is looking at to help cool inflation, what effect will this have for interest rates? Businesses having trouble finding workers, 1031 exchanges, and holding real estate within an IRA.

Hosts:

Jeremiah Bates, Financial Advisor

Nic Daniels, BFA™, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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By this point in the month, the talk of Artificial Intelligence has infiltrated almost every financial news outlet. And it's no different on today's show in Denver... After seeing Invidia's big jump forward after they experienced investor optimism, almost every investor is wondering how they can become a part of this "mania". Alan Holman and Jeremiah Bates warn about becoming too invested in the hype and how risk management can allow you to capture gains while protected your downside risk. Are you all-in for A.I.?

Hosts:

Alan Holman, CFP®, Wealth Advisor

Jeremiah Bates, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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When banks like Silicon Valley Bank and Signature Bank went under, many people believed that we were going to start experiencing what we did back in 2008 during the "Great Financial Crisis". While these things definitely rhyme, what we saw a couple months ago versus what we saw more than a decade ago is actually much different.

Host:

Nic Daniels BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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As a nation of special interests, you can't have economics without politics; it's become apparent once again with the debates surrounding the debt ceiling. Brian and Jeremiah briefly touch on how Democrats and Republicans look differently on financial issues. With all of the other "noise" that's on your news timelines, it can be hard to focus on your end goals. When is it time to turn off the news, ignore what's going on in our country, and put your eyes back onto what's best for you and your family? Finally, the team discusses Artificial Intelligence and what it means for the U.S. workforce.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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SPONSORS:

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Advisor Insurance Solutions:

https://advisorinsurancesolutions.com/

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