My Two Cents

J.R. Robinson with Co-Host Jessica Lani Rich

My Two Cents is a unique personal finance program that seeks to educate and engage consumers about trending topics in financial planning. Our host, J.R. Robinson, has a penchant for providing research-supported opinions that look beyond the media hype and advertising propaganda in an effort to inform listeners and clear up popular misperceptions.brbr Jessica Lani Rich adds her experience as a longtime media host and expert interviewer and will provide additional thought-provoking commentary. J.R.’s charismatic sometimes edgy commentary sprinkled with entertaining anecdotes from his professional experience paired with Jessica’s conversational skills makes for a lively and refreshing personal finance program. read less

BusinessBusiness

Start Here

What consumers should know about financial planning software

What consumers should know about financial planning software

In our app-driven world, consumers have been flocking to simulation software that purports to help them predict the growth of their savings and/or how long their money may last. In this episode, we raise awareness of the flaws, limitations, and internal assumptions inherent in even the most sophisticated financial planning applications.

Episodes

What consumers should know about financial planning software

What consumers should know about financial planning software

In our app-driven world, consumers have been flocking to simulation software that purports to help them predict the growth of their savings and/or how long their money may last. In this episode, we raise awareness of the flaws, limitations, and internal assumptions inherent in even the most sophisticated financial planning applications.

Encore J.R.'s "Good Trouble"

Encore J.R.'s "Good Trouble"

In this episode, J.R. explains the origins of his passion for consumer protection in personal finance and the reason for his 20-year Quixotic crusade against the Certified Financial Planner Board of Standards.

In this episode, J.R. shares his two cents on the unseemly relationship between the insurance industry and the business of financial planning. His goal is to raise consumer awareness of the conflicts of interest that arise from the sale of complex products that are sold with opaque undisclosed commissions and to educate consumers about ethical challenges insurance products present to even the most ethical financial planners.

This week's episode covers a smorgasbord of planning topics. J.R. begins with timely year-end tax planning concepts for this most unusual year. In the second segment, he discusses developments in the retirement planning software space and shares his two cents about the merits and limitations of retirement simulation apps. In the third segment, J.R. will talk story with Jessica about some of his more memorable financial planning adventures. Tune in to a personal finance talk show unlike any other.

Financial Planning as a Treasure Hunt

Financial Planning as a Treasure Hunt

This episode continues the theme advanced in Episode 8 (Financial Planning Done Right) that addressing the non-investment elements of financial planning is every bit as important as portfolio management. J.R. continues to hammer this point home using real-life examples pertaining to social security optimization, qualified retirement plans, employee benefits, and asset registrations/beneficiary designations.

Financial Planning Done Right

Financial Planning Done Right

In this episode, host J.R. Robinson lays out a blueprint for creating a comprehensive evergreen financial plan. The discussion dispels popular misconceptions about what a financial plan is and takes a deep dive into the important non-investment related elements of financial planning replete with tales of mistakes and oversights he has caught over the years. The episode concludes with a discussion of some of the important financial planning elements and considerations relating to portfolio management. (Hint: there is much more to it than just investment selection.)

J.R.'s "Good Trouble"

J.R.'s "Good Trouble"

In this episode, J.R. explains the origins of his passion for consumer protection in personal finance and the reason for his 20-year Quixotic crusade against the Certified Financial Planner Board of Standards.

Time to re-think tax planning in portfolio management?

Time to re-think tax planning in portfolio management?

In the wake of a number of new federal tax laws and the elections, it is a great time to revisit whether the planning strategies of the past still add value and take stock of recent tax law changes. As always, J.R. brings a fresh perspective and new ideas to an otherwise arcane topic.

Which will last longer - You or your money?

Which will last longer - You or your money?

In this show, J.R. will introduce listeners to the evolution of retirement income sustainability research from its roots in the early 1990s to the battle that is emerging between the academic and the planning practitioner perspectives on how risk should be perceived in retirement. As always, he will provide his two cents on who is right and who is wrong with respect to the current state of affairs. Feathers may be ruffled.

Ready, F.I.R.E., Aim! - Critiquing the Financial Independence Retire Early Movement

Ready, F.I.R.E., Aim! - Critiquing the Financial Independence Retire Early Movement

This week's My Two Cents turns a critical eye toward the Financial Independence Retire Early movent. J.R. will describe the different strategies, identify some of the key bloggers who have promoted the move, and provide his unvarnished two cents about the benefits and shortcomings of this unique approach to retirement planning.

Who Needs a Financial Planner and How to Choose One

Who Needs a Financial Planner and How to Choose One

In his usual no-nonsense style, host J.R. Robinson will offer his Two-Cents on who should enlist a financial advisor and how to separate the wheat from the proverbial chaff. This discussion will depart from the traditional guidance readers might find in personal finance magazines and self-help books and will dig deep into the services consumers should expect to receive, pricing models, how to conduct due diligence, and how to evaluate qualifications.

How the Sausage is Made

How the Sausage is Made

Ever wonder how brokerage firms are able to offer free trading? What financial advisor compensation models are free from conflicts of interest? [Spoiler Alert: There are none] In this episode of My Two Cents, host J.R. Robinson offers listeners an insider's perspective of how money is made in the financial services industry.

My Two Cents - Financial Planning with an Edge

My Two Cents - Financial Planning with an Edge

This program is refreshingly different from other personal finance shows. Host J.R. Robinson is not on the air to promote DIY books or get-rich-quick schemes nor is looking for new clients for his financial planning practice. His sole purpose is to provide consumers with unvarnished insight into how the investment world and the financial planning industry really work. In this inaugural episode, J.R. seeks to engage listeners with real-life anecdotes from his professional experience as he lays the foundation for future episodes. His passion for financial planning will be obvious and his positions on various trending personal finance topics are both well-supported and unambiguous.