Today, Paul invites Michael on the show to help explain the options families have to save for education expenses. Paul explains that saving for college can be a smart idea when making a financial plan because of how expensive it is and the amount of time parents have to start saving for it. Listen along as these advisors explain the most popular accounts they recommend to clients who want to start saving for college and what you need to consider before choosing one.

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In recent years, we’ve seen numerous changes in tax laws. These laws have dramatically changed how to plan for retirement and how to manage an inheritance received from a loved one. Today, Paul and Michael explain some changes in tax law that affect inheriting money in an IRA. Listen along as they explain why investors have 10 years to decide what to do with the money in an inherited IRA and how some investors who aren’t asking for help are creating tax issues for themselves and turning this money back over to the government in taxes.

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Paul invites PWI advisor and Chartered Special Needs Consultant® (ChSNC®) Chad Henson to the show to talk about how to create a plan to support children who struggle with independence. Today, Chad talks about how special needs children are often targeted by people who want access to any money they have, and how protecting and maintaining a special needs trust is usually a team effort. Listen along to hear these advisors talk about teaching your children how to have strong financial boundaries and whether or not your special needs child should be the trustee. If you’re looking for help caring for your family, it’s important to talk to someone who is qualified to help you.

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Capturing market returns is one of the biggest factors of investing success, and it comes from proper diversification. After Paul did a recent webinar on the topic, an investor brings Paul a LPL Financial product called the Strategic Asset Management Program (SAMs) and wants to know: Is this product capturing marketing returns or is it gambling with investors’ money? In this two-part episode, Paul and Michael look through this product to find the answer, but also teach you where an educated investor looks to find out what is really happening in an investment product. Listen along as these advisors discover what SAMs are doing with investors’ dollars and give you some tools to spot suspicious behavior in other products.

Start relaxing about investing by scheduling a 15-minute call with one of our advisors here.

Capturing market returns is one of the biggest factors of investing success, and it comes from proper diversification. After Paul did a recent webinar on the topic, an investor brings Paul a LPL Financial product called the Strategic Asset Management Program (SAMs) and wants to know: Is this product capturing marketing returns or is it gambling with investors’ money? In this two-part episode, Paul and Michael look through this product to find the answer, but also teach you where an educated investor looks to find out what is really happening in an investment product. Listen along as these advisors discover what SAMs are doing with investors’ dollars and give you some tools to spot suspicious behavior in other products.

Start relaxing about investing by scheduling a 15-minute call with one of our advisors here.

A big problem with wanting to be out of the market when it’s down and in the market when it’s up is that the market doesn’t move in a straight line, but rather it jumps around to different values at any given moment. Today, Paul and Ira talk about how investors experience the most gains in the market a few days a year and why the investors who crave control and can’t handle the markets’ bumpy ride sell low and buy high. Listen along to learn why volatile markets are tempting to leave but ultimately work in the investor’s favor. Later in the episode, Ira encourages people close to retirement to talk with an advisor about what their expenses will look like because he sees that most investors have an unclear picture of what they will be spending in retirement.

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Most of the industry is obsessed with telling you what you should have in your portfolio, but few people talk about the products that you shouldn’t own. Today, Paul is pleasantly surprised by the advice in a Morningstar article called “7 Things I Don’t Own in My Portfolio” that includes 7 popular investments that you want to avoid because you don’t get properly compensated for the risk. Listen along as Paul and Jim talk break down what these investments are and who is most likely to sell them to you.

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