In the first hour, Brian flies solo to talk about his most recent DIY investor mistake... Yes, even he makes mistakes! He explains what to do to prevent what he did and gives other tips on picking and buying companies during market pessimism. Who doesn't like buying things on sale? Jeremiah helps end the hour with a November market update – it was a good month! This year has been kind to tech stocks, but are we starting to see the tide turn back to other alternatives? Plus, December means the season of giving, but giving could mean taxes! The guys give ways to be extra tax-efficient and helps you understand the gift tax rules.   Watch, Subscribe, Ask! https://www.therealmoneypros.com   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

We hope everyone enjoyed their Thanksgiving weekend! First, Jeremiah and Nic discuss the Corporate Transparency Act, legislation that was passed to enhance transparency in entity structures and ownership in order to prevent money laundering and other illegal business activities. Sounds great to prevent the funding of terrorism and other misuse of funds, but how will it affect the everyday small business owner? Harsh penalties will also be available for the small guy… Along with listener questions, the team talks about recent retail sales reports and the upcoming expectations for this holiday season. Watch, Subscribe, Ask! https://www.therealmoneypros.com   Hosts: Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

Understanding the concept of options and how they're used to leverage your position in a security can be confusing for many investors. Even more daunting to put them into action within your own portfolio! While Brian and Jeremiah don't go super far into the concept, they talk about when to use leveraging strategies and how to implement them safely. Plus, how fund managers use these techniques within ETFs and mutual funds to make you money. Also in the first hour, the guys discuss what to do if you recieve inheritence, whether it be in cash or an asset. They give strategic plans on how to approach it to avoid unnecessary tax consequences. In the second half of the show, they highlight why getting started is the hardest part about investing. While we see uncertainty in the markets and in the world as a whole, it's important to prevent ourselves from making knee-jerk reactions to these kinds of things. And do bonds now belong in your growth bucket?   Watch, Subscribe, Ask! https://www.therealmoneypros.com   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

Jerome Powell's recent statements on Thursday ignite a debate on whether the Federal Reserve should slow down interest rate hikes, exploring the implications of their decisions over the last year. Jeremiah and Nic also cover Required Minimum Distributions (RMDs) and the updates from Secure Act 2.0, effective in 2024, detailing which accounts require RMDs and how to avoid penalties. Additionally, they emphasize the opportune moment to increase payroll 401(k) contributions. Addressing millennials' financial concerns, including high credit card usage, substantial student loans, and a culture of spending, the hosts contemplate the viability of bonds as an investment. They discuss end-of-year financial moves, such as tax loss harvesting, and engage with listener questions.   Watch, Subscribe, Ask! https://www.therealmoneypros.com   Hosts: Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

In this episode, we tackle the challenges of turbulent markets and difficult life events. Not everything is going to be a win! Jeremiah and Brian offer effective strategies to navigate these potential roadblocks. They also explore methods for generating stable income amidst market volatility, focusing on understanding bond yields and their impact on portfolios, along with the crucial bond price-yield relationship. In the second hour, the team provides essential insights into financial considerations during divorce, covering joint accounts, property, debts, and legal representation. They'll discuss relevant laws and their application to accounts, as well as the importance of updating estate plans amid divorce proceedings. Plus, understanding mutual funds, IRAs, UMAs, other account types and the money-sucking fees that may be hidden.   Watch, Subscribe, Ask! https://www.therealmoneypros.com   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

We have successes and failures throughout the course of life, as is the same with our personal financial management. Brian highlights why we should all try to find a mentor to learn from when it comes to investing, especially for those that may have not have had that sort of education through their upbringing. What types of people to work with and which types of people to not work with. Do everything you can to build that well-thought-out investment strategy! In the last hour, Brian talks about estate planning and other legal considerations. The difference between wills and trusts and in what situations they are best. Get ready for two hours of Brian Wiley, and only Brian...    The Real Money Pros https://www.therealmoneypros.com   Host: Brian Wiley, Financial Advisor ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

Our mortgage expert, Dave Perry, sits down with Jeremiah to discuss the current landscape of 20-year high mortgage rates. Can there still be homebuying opportunities? Dave explains why buying a home, even with near 8% interest rates, is better than not being in the market at all. He provides data to show that waiting any longer may be even more expensive. In the second hour, Alan and Brian discuss geopolitical risks and market volatility, and how they affect asset allocation. They delve into using technical analysis to identify leading indicators and explain why the news has such a significant impact on the markets.   Guests: Dave Perry, Academy Mortgage   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Alan Holman, CFP®, Wealth Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

In this episode, we unravel the implications of Congress's recent failure to pass the Farm Bill. As the bill extends beyond just agriculture, what could be the repercussions of it not going through? Jeremiah and Nic discuss the most recent CPI numbers, and although many consumer categories are down in price, we're still feeling it in our wallets. As the United Auto Workers (UAW) strike continues, we dive into the broader conversation surrounding current inflation rates and the necessity for higher wages. How does this dynamic affect the average worker? Lastly, we set our sights on year-end financial planning. As the year draws to a close, it's imperative to make strategic moves to set yourself up for a financially successful 2024.   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor Alan Holman, CFP®, Wealth Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

No risk, no reward! Jeremiah and Brian give you a market update and talk about the most recent economic developments, including the most recent and surprising jobs report. Inflation, cost of living, and the stagnation of wages. Alan Holman joins Brian for the self-titled Old Guy Hour to give their old guy perspective on the markets. If you've been around for as long as they have, you've most likely also experienced market-related PTSD that has caused you to be wary of today's market conditions. However, that just means we've seen this all before (and it's probably not going to be as bad as the economic pessimists may think). Recession or not, don't make short-term decisions with long-term money.   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Alan Holman, CFP®, Wealth Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

What is your 'why'? Why did you buy that stock? Why did you put your money into a CD? Is it because someone told you to, or did you copy someone else's strategy? There's a reason why it's called personal finance – it's personal to you. Jeremiah and Nic, in the first hour, talk about designing plans that work best for you, regardless of whether it applies to anyone else. Plus, listener questions! In the last half, Brian returns to the studio to focus on discovering strengths and weaknesses and finding solutions. Working with professional advisors, consider upgrading your advisors, and avoid getting too caught up in high-flying investment issues. After all, in reality, politics shouldn't dictate how you invest.   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

Jeremiah and Nic starts the show with market news – the United Auto Workers' strike, Instacart's IPO, and everything else important you may have missed. The guys move on to talk about the texts and phone calls that we never want to receive... Is your and your family's estate plan updated and where you want it to be? And if you've done those steps already, you may want to update it.   Hosts: Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

In a volatile market (like the one we are currently experiencing), your investment strategy needs to take a different approach. We need to understand the impacts of investing amidst high market risk and rising interest rates. Alan and Brian start the show by discussing some of the investment opportunities that may be available in this risky environment. Is it time to reintegrate bonds into your portfolio? They explain the distinctions between bonds and bond funds, and in what situations you may want to consider them. They also address how to balance growth and income needs when faced with a less-than-ideal market, and explore how annuities can sometimes be beneficial.   Hosts: Alan Holman, CFP®, Wealth Advisor Brian Wiley, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/

Who remembers the good 'ol days? The era of Coronavirus and free government money! If you've seen or heard recent advertisements regarding the ERC (Employee Retention Credit), it may be tempting as a business owner to try to get your hands on this "free" money. We have Steve Cilley of Ataraxis PEO to give his opinion on the matter and urges to keep cautious if you decide to move forward with the process. Plus, more topics surrounding business owners and hiring employees. In the second hour, Alex sits with Jeremiah to talk about the use of generating fear in order to sell investors certain ideas or financial products. At times, things like Gold, Annuities, and even Cryptocurrency are sold around the idea of protecting you from a devasting scenario. Don't fall into the trap!   Guest: Steve Cilley, CEO ataraxispeo.com/offer   Hosts: Jeremiah Bates, Financial Advisor Alex Lundgren, AIF®, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/   —————————————————————

Have you personally felt the impacts of our current inflation? Looking at the numbers, Energy is up and used car prices are down, but what have you noticed the most? Amid the high costs of everything, there is the silver lining of low unemployment in the United States. But is that a positive statistic in the long term? While that seems like a weird question, Alan and Brian talk about the long-term effects of a continuous desire for higher wages. With Britain's newest IPO, ARM, hitting public markets, we've realized that the IPO landscape has been very lowkey the past year. They explain how they work and the difficulties for the average investor to obtain shares of IPOs in general. Finally, questions to ask your advisor to make sure they're actually in it for you...   Hosts: Brian Wiley, Financial Advisor Alan Holman, CFP®, Wealth Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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   Ataraxis PEO https://ataraxispeo.com/offer   Tree City Advisors of Apollon: https://www.treecityadvisors.com   Apollon Wealth Management: https://apollonwealthmanagement.com/   Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————

How much is enough to retire? It's actually not as much as you probably thought... If you're wanting to listen to the first hour of the show hosted by Brian Wiley and Alan Holman, visit our previous episode!   Hosts: Brian Wiley, Financial Advisor Alan Holman, CFP®, Wealth Advisor Nic Daniels, BFA™, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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/ —————————————————————

Mortgage rates nearly kiss the 8% mark for a 30 year loan and starter homes in Denver can near $750,000... How did the housing landscape become like this? Alan and Brian talk about low inventory and ways you could possibly lower that interest rate. Apple stock drops, showing us that maybe the tech industry can't keep performing like this forever? While we may be far from the fall of tech, the guys discuss why investments in the energy sector may be necessary for sustained growth. Is lithium mining the new hot take? Finally, Brian and Alan explain pensions and why they're starting to gain popularity again. Important considerations before making a decision – this may be something that requires a professional.   Hosts: Alan Holman, CFP®, Wealth Advisor Brian Wiley, Financial Advisor   The Real Money Pros: https://www.therealmoneypros.com   ————————————————————— 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/ —————————————————————

Have you noticed that politicians will throw out the most wild policies right before reelection season? Weird. Jeremiah and Nic start by talking about the proposed "Credit Card Competition Act" legislation that will effectively get rid of the credit card reward system. RIP to the travel industry! Plus, are utility companies really that stable? In the recent incident in Lahaina, power companies have shown us once again how much of a liability they can be. Just be careful how you invest in them... Come the second hour, Brian swaps places with Nic and talk about another sector: aerospace and defense companies with in the United States. Finally, discussed is generating income and how to gain "alpha" within your company's 401(k) plan. It may not be as optimally managed as it should be.   Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com   ————————————————————— 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/ —————————————————————

Alan and Brian start by talking about the world of sector investing and its benefits, while also cautioning against the pitfalls of over or underweighting in a specific sector. Don't underestimate your 401(k) – it's one of your most valuable assets! Learn why precision is key when selecting investments for your 401(k) and how a knowledgeable financial advisor can make a difference when it comes to growth in that account. Your company's investment strategy may not be the most optimized... Finally, we underscore the importance of comprehensive financial planning, whether it's partnering with an advisor or meticulously navigating the process yourself. Bucket strategy, reviewing insurance policies, chartible giving, and more.   Hosts: Alan Holman, CFP®, Wealth Advisor Brian Wiley, Financial Advisor   The Real Money Pros: https://www.therealmoneypros.com   ————————————————————— 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/ —————————————————————

Nvidia blew past its already-high revenue expectation for this quarter, which seemed to surprise the overall market. How long can they sustain this level of growth? In our first hour, mortgage expert, Dave Perry, sits with Nic and gives an update on the current housing landscape. They dissect the actions made by the Federal Reserve and give some reasons why it’s so difficult to buy a house today. Coming in the second hour, Adam Berry with Lively HSA helps Jeremiah explain the benefits of an HSA and how to maximize health care savings.   Guests: Dave Perry, Academy Mortgage Adam Berry, Lively HSA   Hosts: Jeremiah Bates, Financial Advisor Nic Daniels, BFA™, Financial Advisor   The Real Money Pros https://www.therealmoneypros.com ————————————————————— 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/ —————————————————————

Invidia and the technology sector is just the gift that keeps on giving. They continue to beat investor expectations, but how much longer can they keep it up? Alan stresses the number one thing to do if you're trying to short-term trade: Stick to a strategy. India goes to the moon, political noise makes its way back into the news, and – manufacturing is moving to outer space? After seeing the republican debates, do you get emotional? It's important to remember stay calm during the fear-mongering headlines and everything else that comes with politics. Green beats Red and Blue every time. Finally, some tips on strategically using life insurance to the best of its benefits.   Hosts: Alan Holman, CFP®, Wealth Advisor Jeremiah Bates, Financial Advisor   The Real Money Pros: https://www.therealmoneypros.com   ————————————————————— 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/ —————————————————————