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Henssler Financial
Henssler Money Talks is your trusted resource for your money, your future, your life. We discuss current market conditions and financial planning encompassing spending, saving, taxes, investments, insurance, retirement, estate plans, and more. We are here to answer your financial questions—email [email protected] or call 1-855-429-9166. Money Talks also airs Saturdays on 920 AM WGKA in Atlanta. Money Talks: Your trusted resource for your money, your future, your life.
Overcoming Loss Aversion and the Desire to Sell When the Market is Down
Text us your financial questions!This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, Managing Associate K.C. Smith, CFP®, CEPA, and Associate Michael Griffin, CFP®, have an in-depth discussion on loss aversion and how investors have to fight human nature to avoid selling at the bottom and buying at the highs.
16:4708/06/2020
Minimizing the Tax Burden of an Inherited IRA
Text us your financial questions!Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Principal Jennifer J. Thomas, CFP®, and Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, to tackle a listener’s concern about passing a tax burden to his children with an inherited IRA.
13:3801/06/2020
Volatile Markets? Pay Attention to the Dividend Story
Text us your financial questions!Chief Investment Officer Troy Harmon, CFA, CVA, is joined by President GeneW. Henssler, Ph.D., and Research Analyst Nick Antonucci, CVA, CEPA, todiscuss the week’s market dip and how S&P 500 companies are treating theirdividends during the pandemic crisis.
11:3918/05/2020
Business Owners Have Tough Choices When Using PPP Loan Funds
Text us your financial questions!Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Principal Bil Lako, CFP®, and President Gene W. Henssler, Ph.D., to provide some insight for business owners who have eight weeks to use their PPP loan funds for payroll costs if they want the loan forgiven.
11:1111/05/2020
How Schools Reopening May Influence Economies Reopening
Text us your financial questions!The show hosts discuss how schools reopening after the pandemic may influence economies reopening.
09:1611/05/2020
Expanded Guidance for Recontributing 2020 RMDs
Text us your financial questions!The IRS has extended the 60-day rollover window that may allow IRA account holders who have taken an RMD for 2020 to recontribute funds now that RMDs are waived for the year.
09:2804/05/2020
A Lesson on a Hacked Brokerage Account
Text us your financial questions!The “Money Talk” hosts share a lesson how malware hacked into a brokerage account and almost cost an investor $90,000.
07:5104/05/2020
Despite the Pandemic, the Market is Still Expensive
Text us your financial questions!The “Money Talks” radio hosts explore the current valuations seen in the market, and whether market prices are addressing the current unemployment numbers.
11:5127/04/2020
It's Not Fair
Text us your financial questions!The “Money Talks” experts discuss the PPP loan process, the Fed’s actions buying high-yield municipals and corporate bonds, and a setting a precedent for future bailouts.
10:1320/04/2020
Delayed Tax Season, State Filings and Statute of Limitations Extension for 2016
Text us your financial questions!Delayed Tax Season, State Filings and Statute of Limitations Extension for 2016
04:1920/04/2020
What Will Our Return to Normal Look Like?
Text us your financial questions!What Will Our Return to Normal Look Like?
18:0320/04/2020
Stock Market Still the Best for Long-Term Gains
Text us your financial questions!The Henssler Experts cover current investment recommendations, and how today’s market holds up to historic markets of the Tech Bubble and the 2009 financial crisis.
13:3713/04/2020
Student Loan Relief, QCDs, and How the Economy May Restart
Text us your financial questions!The “Money Talks” hosts discuss how student loans and qualified charitable distributions are affected by the CARES Act, and how the economy may restart again.
14:2513/04/2020
Selling Out Now is the Worst Choice You Could Make
Text us your financial questions!Dr. Gene Henssler and Bil Lako CFP® and Troy Harmon, CFA, CVA cover how they feel investors need to face the current market,
05:5806/04/2020
Interview: Pete O’Hern – SBA Lender, Coastal States Bank
Text us your financial questions!The “Money Talks” hosts interview Pete O’Hern from Costal States Bank on the Payroll Protection Program loans that are backed by the Small Business Administration.
20:1906/04/2020
Unemployment for Businesses Who Cut Their Workforce
Text us your financial questions!The “Money Talks” cover unemployment for businesses who have had to cut their workforce.
15:1006/04/2020
Uncle Sam to the Rescue
Text us your financial questions!The “Money Talks” hosts discuss what it will take to get the economy moving again once the COVID-19 threat has subsided. They also look at the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, which was passed by the Senate this week.
23:4330/03/2020
Are We in a Recession?
Text us your financial questions!This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Principal Bil Lako, CFP®, and Chief Economic Adviser Roger Tutterow, Ph.D., to provide their opinions on whether or not we are in a recession and how they believe the market will respond.
22:0523/03/2020
Fed’s Interest Rate Cuts, the Bond Market Refinancing Mortgages
Text us your financial questions!Fed’s Interest Rate Cuts, the Bond Market Refinancing Mortgages
12:3023/03/2020
Beginning Investing Starts with Retirement Savings
Text us your financial questions!The “Money Talks” hosts discuss the first steps for a beginner investor in his 20s.
07:2616/03/2020
A Lifetime of Insurance Needs
Text us your financial questions!The “Money Talks” experts take a deeper look at how insurance coverages work in your overall financial plan.
14:3909/03/2020
The Suddenly Single Taxpayer
Text us your financial questions!Case Study: The "Money Talks" hosts discuss what a recent widow should pay attention to as she files her tax return and moves forward as a single filer.
15:2802/03/2020
The Peace of Mind of Having Money When You Need It
Text us your financial questions!The “Money Talks” experts team up to discuss the Henssler Ten Year Rule and how it applies to moving money to fixed investments prior to retirement.
15:3025/02/2020
Charitable Giving Using Life Insurance
Text us your financial questions!The “Money Talks” experts discuss the various ways you can maximize your gift to charity using life insurance.
20:3017/02/2020
Follow the Money
Text us your financial questions!Chief Investment Officer Troy Harmon is joined Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, and Associate Logan Daniel, CFP®, CRPC®, discuss the situation of an investor who was working with a broker who put him in very speculative investments. They cover Dr. Gene’s rule of, “Follow the money.”
18:5210/02/2020
Planning Considerations of Selling Your Business to Your Child
Text us your financial questions!The situation of a business owner who is looking to have his son take over his business so he may retire. The experts discuss the transaction timeline and what planning issues need to be taken into account.
17:5503/02/2020
Pension Benefits Actually Require Careful Planning
Text us your financial questions!The “Money Talks” experts team up to discuss the many variables that need to be considered when an investor is deciding how to receive pension payments.
16:3827/01/2020
The Monetary Challenge of Combining Established Households
Text us your financial questions!Chief Investment Officer Troy Harmon, CFA, CVA, is joined by fellow Research Analyst Nick Antonucci, CVA, CEPA, and Associate Michael Griffin, CFP®, to discuss the unique situation of two investors who plan to merge households once married after years of running their own finances.
08:0820/01/2020
The SECURE Act—Not All Bad News for Retirement Plans
Text us your financial questions!The “Money Talks” experts take a deeper dive into the SECURE Act and how it affects businesses and individuals.
14:5013/01/2020
Missed Your 2019 RMD? Here’s What to Do
Text us your financial questions!The “Money Talks” experts discuss what you should do if you’ve missed your required minimum distribution for 2019 and how the SECURE Act changes RMDs going forward.
16:4906/01/2020
Interview: The Center for Family Resources—Melanie Kagan and Lee Smith
Text us your financial questions!The Center for Family Resources CEO Melanie Kagan and Director of Operations Lee Smith join “Money Talks” to share the organization’s mission and upcoming Thanks for Giving food drive. The Center for Family Resources (CFR) is a Cobb County-based nonprofit organization that works to stabilize and empower local families so they may become self-sufficient through financial stabilization, housing, and education. The organization offers multiple short-term housing programs, a GED prep program that provides one-on-one coaching and group classes, and an on-site food pantry with fresh produce and breads, a wide variety of canned goods, and other essentials like diapers, infant formula, and personal hygiene items, and many other services.They also focus on The CFR’s annual Thanks for Giving food drive. The CFR provides holiday food boxes distributed to low-income, Cobb County families during the Thanksgiving break. Boxes include the ingredients for families to cook their own traditional holiday meal. Additionally, since the week of Thanksgiving can be a strain on families’ food budgets while children are home from school, they provide extras like breakfast food, pasta, and peanut butter for those added meals. Phone: 770-428-2601 or Web: www.thecfr.org
08:4314/10/2019
Interview: Travis Suit, Founder of Piper’s Angels Foundation
Text us your financial questions!Exclusive interview with Travis Suit, the founder of Piper’s Angels Foundation and Crossing For A Cure. Managing Associate D.J. Barker, CWS® is participating in the Crossing, an epic paddleboard challenge benefitting cystic fibrosis.
15:1403/06/2019
Interview: Marcy Stidum, Director of CARE Services at Kennesaw State University
Text us your financial questions!Marcy Stidum, Director of CARE Services at Kennesaw State University. CARE Services offers support to students who have experienced homelessness, food insecurity and/or the foster care system.
12:2429/04/2019
Case Study: Matching Investments to Your Liquidity Needs
Text us your financial questions!Over the years, we have talked in great length about laddering your fixed-income investments to meet your liquidity needs. This concept of laddering bonds is a byproduct of your financial plan. Once you get within 10 years of a known expenditure, you should not have those assets exposed to the equity markets in order to preserve the principal.
10:5504/06/2016
Why We Have a Ten Year Rule
Text us your financial questions!Bil Lako, CFP®, explains why a 10-year holding period matters and how higher interest rates affect your bond holdings.
09:2523/08/2014
Case Study: How Much Money Does It Take to Retire?
Text us your financial questions!The “Money Talks” hosts discuss retirement savings and how much you may need in the future.
06:5821/09/2013
Interview-Ken Harmon, D.B.A.
Text us your financial questions! Ken Harmon, D.B.A., Provost and Vice President for Academic Affairs at Kennesaw State University joins “Money Talks” to discuss President Obama’s “Blueprint for Keeping College Affordable and Within Reach for All Americans.”
25:2926/02/2012
Investment Whys: Sources of Investment Income
Text us your financial questions!Investors are concerned about slower economic growth and undesirably high unemployment combined with softer inflation through the second quarter. In uneasy economic times, investors are more interested in living off the interest and dividends from their investments without touching principal. Investors, desperate for income, often inadvertently take on more risk.We take a look at many sources of income and break them down to show the advantages and disadvantages to holding each source.
11:1920/08/2011
Investment Whys: Sometimes the Active Portfolio Decision is to Do Nothing
Text us your financial questions!Bil Lako, CFP®, explains how sometimes investors are not paying attention to the decisions that are being made. Sometimes an active portfolio decision often leads you to do nothing. That is the decision. When you see moves like Monday, down 5%; Tuesday, up 4%; Wednesday, down 4%, Thursday, up 5% you have to ask yourself, “Why?” If you cannot answer, or do not understand what is causing it, your answer could be that you do not want to do anything differently. You have a plan, and you decide to stick to it.
10:4506/08/2011