Join Paul and Evan as they talk about the world of annuity bonuses and explain why they aren’t all they’re cracked up to be. Listen along as these two advisors explain the hidden costs and downsides of products that use flashy bonuses to lure people into contracts with back-end surrendered charges and phantom accounts. Later in the episode, Paul shares about an annuity salesperson who is surprisingly upfront about how bad some of these products are.

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Paul knows not everyone will go to the company’s website to learn more about how the business works. So, Paul spends some time walking through the most frequently asked questions (FAQs) on the website and covers topics like: How do you guys get paid? Are there account minimums? Are you fiduciaries? And what is your investment philosophy? Later in the episode, Paul talks about innovations Nvidia is making and why the people buying up their stocks might not be making the savvy decision they think they are.

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Talks about finding ways to enjoy a tax-free retirement are growing as some financial firms and planners try to coax investors into strategies based on their feelings about taxes. Paul admits that no one enjoys paying taxes, but some strategies for a tax-free retirement ignore sound investing principles, while others just have you paying more in taxes before you retire.

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“The Top Stock Funds of 2024.” This is the title of an article in the Wall Street Journal. On the surface, it sounds like a list of funds you should know and be invested in. Paul explains why investing doesn’t work this way. If you see a list like this, the best thing to do is walk away before you get baited into an emotional investing decision.

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Paul starts the episode by talking about some innovations with nuclear power and some real estate experts trying to make predictions about the housing market. He then segues into an article that shares a “New Year’s Financial Checklist.” Listen along as Paul looks through this list and tries to help you get your financial castle in order in 2025.

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Today, Paul talks about the two choices you have with tax-advantaged accounts: which one to choose and what investments you choose to put inside of them. Paul explains why lower-income earners may want to take advantage of ROTH accounts and why low-cost/low-fee investments are less important than diversification.

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Today, Paul pulls out a Kiplinger article where a UBS Global Wealth Manager goes on the record saying that they like “energy and consumer staples” for investments in 2024. A quick look after 2024 reveals that this area did go up, but it performed very poorly in comparison to most market segments. Paul wants you to know that confident investors don’t look to change their investments in the new year and don’t follow the countless companies that are gambling and speculating with people’s hard-earned money.

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