Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1356: CFP Equals Best Interests? Feb 20, 2024

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The Certified Financial Planner Board claims that those with the CFP designation are required to act in your best interests. However, do they always act as a fiduciary and what can be done if they don't?
Plus you ask us questions:
What to we think of David McKnight's (The Power of Zero) advice?
Where should a small business emergency fund be invested?
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Ep. 1355: Another Stormy Q&A Feb 16, 2024

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On today's question and answer episode:
Can a custodian move a UGMA into a 529?
Will there be an online replay of Retiremeet?
Why should someone consider AVGE considering its flaws?
A caller shares a crypto twofer?
How should money from a 401k be invested at Vanguard?
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Ep. 1354: Too Many Choices? Feb 15, 2024

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From a few stocks and bonds, investment options are practically beyond comprehension. How do you pick the best portfolio pieces from the bewidering mix of choices? We discuss the incredible failure of one such hot investment vehicles, ARKK.
Listeners ask:
Can you be both the owner and beneficiary of a 529 Plan?
Do 401k assets count in the pro-rata requirements for a backfoor IRA?
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Ep. 1353: The ETF Innovation Feb 14, 2024

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Are we seeing the beginning of the end of traditional mutual funds? ETfs have proven their worth as an investment vehicle that is in many ways better than a regular open-end fund. Will ETFS take over the investing world? Plus, we talk about why some Wall Street firms are accepting crypto into their midst, with one major exception, Vanguard. We also take some questions from listeners:
Is it better to give money to family from and IRA or brokerage fund?
What's inportant in an advisors Form ADV, Part 2?
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Ep. 1352: Harvesting Equity Wealth Feb 13, 2024

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Once, dividends account for a large part of stocks' returns. Today they are far less important. Does it make sense for investors to chase after high dividends? Don shares the past power of a simple balanced fund.
Listeners ask:
Is a CD the best place to invest real estate proceeds for retirement income?
How does rental income compare to income froma diversified portfolio?
Can large positions in single stocks be combined into a fund to avoid capital gains?
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Ep. 1351: Better Than 403b Plans Feb 12, 2024

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Most feel the only way to save for retirement is through qualiried, tax-advangatwed retirement plans like 401ks, 403bs and IRAs. But are they always the best choices for long-term investing?
Plus, listeners ask:
What do we think of Fidelity Zero funds now?
Can someone with a retirement plan at work still contribute to an IRA?
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Ep. 1350: T.G.I.Q.A.F. Feb 09, 2024

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In this episode Don answers more of your questions from talkingrealmoney.com:
What portfolio adjustments should be made to avoid IRMAA?
How should the bond portion of a portfolio be invested?
Is investing in high dividend stocks a good way to create retirement income?
Can backdoor Roth conversions be done in the same year for two different tax years?
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Ep. 1349: Retirement Myths Busted Feb 08, 2024

Show notes

There is a lot of misinformations about retirement. Much is spread by people pitching products. Tom and Don go after many of the myths about retirement income, Social Security, Medicare, and more. They also hear from listeners:
Wondering if a financial planner is needed goinf into retirement?
Taking us to task over a mathematical misundertanding.
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Ep. 1348: Best Ignored Feb 07, 2024

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Happy to see Jason Zweig back from his sabbatical, Don shares his WSJ article on the wisdom of ignoring the stock market's fluctuations. Tom calls in from Vegas to explian his five-second $100 loss.
Listeners ask:
What should a house rich person do to create a decent retirement income?
Is moving 401k money into an indexed annuity a wise move?
This call sets Don on a rant against the horrible "advisors" who will say almost anything to sell these high-commission, complex insurance-based "investment" vehicles.
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Ep. 1347: Fees Lead Feb 06, 2024

Show notes

Now that there are potential fees to be collected from selling Bitcoin ETFs, many Wall Street firms have grwond enamored with this ephemeral speculation. A few firms are still standing firmly opposed. Bitcoin is the best of a bad bunch. The other 8000+ tokens have even less going for them. Don also shares the story of another crypto fraud.
Listeners ask:
Can a 529 be used as a "carrot" to reward good behavior in college?
After the sale of a house, do they have enough to retire comfortably?
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