Unfortunately, it is not difficult to get into the investment industry as a financial planner with no experience and very little education. However, each firm aggressively markets itself as the most qualified and most sophisticated fiduciary to help you manage your wealth and meet your goals. Today, a listener asks Paul: In an environment like this, how can you know that an investment firm is really right for you? Listen along as Paul explains that looking at an advisor’s planning process and education experience tells you everything you need to know to avoid making the wrong choice.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Investors who responded to the war in Iraq are now faced with a dilemma: Is it time to get back in the market? Are the U.S. and Iraq in talks that could move markets up, or is this just the beginning of a long slump in equity markets? Today, Paul explains why market timing is impossible to master. Listen along to hear why confident investors don’t rely on headlines and luck, but on a strategy that helps them reach their financial goals in the long term. Later in the episode, Paul explains why getting into a product with low liquidity creates fundamental problems for maintaining a healthy portfolio.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

It’s very common for financial professionals to convince investors that stocks are too risky and bonds won’t perform well enough to provide an income from your portfolio. Their solution almost always involves selling you confusing, high-commission annuity products. Listen along as Paul shares why annuities are a very bad replacement for bonds and why the people who don’t understand why they own bonds are the most likely to fall for this trap.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Paul and Jim tackle the overconfidence that many investors have in large U.S. stocks and explain why owning the S&P 500 alone doesn’t lead to confident investing, but to sequence of returns risk, lack of diversification, and worry over the health of U.S. companies and markets. Listen along as these two advisors share why you need to move from a product approach to a process approach to your investing. Later in the episode, Jim covers some new information the industry has about the strategies scammers are starting to use to get you doing what they want.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Texas throws out a Biden-era fiduciary rule giving insurance companies more license to sell bad products to people who don’t fully understand them. Today, Paul and Jim talk about how the industry uses the term “fiduciary” to build trust, but can just as easily push you toward products that are in the agent’s best interest as well. Listen along to hear why fiduciary rules don’t fix the industry, but why removing them gives big insurance companies a lot of confidence to be misleading.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Today, Paul answers a few popular questions directly from listeners of the show. Listen along as Paul responds to an investor who wants to know if the common strategy of using your age to determine your bond allocation is a reliable way to keep your portfolio healthy through retirement. Later in the episode, a listener wants to know how you monitor and manage the hidden trading costs inside a portfolio. Paul answers his question and explains how the industry uses “low-cost” to sell funds and where expenses rank among the criteria he considers in a fund.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Everyone wants to fly in an airplane that has been carefully designed and constructed. The design of the airplane determines its performance. Today, Evan explains that the same principles apply to the design of an investment portfolio and can be the difference between reaching your destination and having to bail out in an emergency landing.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Today, Evan talks about the investor dilemma. A common problem is that investors try to feel more comfortable by predicting the future and buying funds with good track records. As tempting as this may be for investors, it leads to emotional investing decisions and taking uncompensated risks. Listen along as Evan explains all these concepts and shares how to get out of this fear cycle and on the path to confident investing.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at winkler.boro.webservice.team/relax and take the stress out of planning your retirement.

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.
Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.