The Future of You – Co-founders of “The Future of You” Nan Ives and Lisa Stornaielo join Jeff Perry and Russ Ball for a non-financial planning discussion focusing on how someone in retirement should Rebalance Your Life, Connect to Your Purpose, Activate “ReTRYmen” and Launch Your Life Plan. Nan and Lisa share their experiences with how their clients work through the opportunities and challenges they face when they step away from their full-time careers. To find out more about The Future of You, click the link below: https://www.thefutureofyou.com/ The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Lessons from clients – Chris Boyd, Jeff Perry, and Russ Ball review a variety of commonly discussed client financial planning issues. With the rise of stock prices in companies such as Nvidia, some investors find themselves with a sizable portion of their investment portfolio concentrated in a single holding. Chris leads the discussion of the best moves for such investors. The trio next reviews the challenges many people face in accurately predicting their retirement cash flow. The trio discusses challenges and methods of putting together an accurate financial plan. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Year-end tax planning – With the end of the calendar year fast approaching, Chris Boyd, Jeff Perry, and Russ Ball discuss strategic tax planning topics. Topics covered include, RMDs, charitable giving, tax-loss harvesting, IRA contributions, tax deductions, and long-term tax planning. For listeners who would like a complimentary 2024 Tax Planning Checklist, they may contact Team AMR at the link below. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: https://lnkd.in/ekcsvPaM For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Where are Mortgage Rates headed? – Robert Foos, President of Sparrow Mortgage discusses the current state of the home mortgage market with Chris Boyd and Jeff Perry. The conversation starts off with the likely impacts for mortgage rates due to the recent election. Robert answers questions regarding the mortgage application process, debt to income ratios, types of income that qualify for a mortgage, self-employment situations, and programs for first time homebuyers. At the end of the segment, Robert mentions community events in the Falmouth area that he is involved with (see links below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To reach Robert Foos, Sparrow Mortgage, or the events mentioned, see the links below: https://sparrowmortgage.com/ Katie's Cure https://www.katiescureals.com/ Sip & Shop Small www.facebook.com/photo/?fbid=1072818018186092&set=pb.100063737103399.- 2207520000  

The Case for International Investing with Nick Paul, MFS – Nicholas J. Paul, CFA who serves as the Equity Portfolio Manager for MFS joins Chris Boyd and Jeff Perry for an in-depth discussion about using mutual funds for international investing. Related topics covered include the potential impacts from the recent election, the growing national debt, tariffs, deglobalization, emerging markets, and currency risk. During the episode Chris and Nick also discuss the benefits of active management for international investing. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Meaning of Money – Cohen Taylor and Wendell Clarke join Chris Boyd and Jeff Perry for a dynamic conversation about the Meaning of Money. This episode is about a lot more than counting the dollars! Topics discussed include, why we give money meaning, money and emotion, money and relationships, identifying influences/origins of money messages, illustrating impact of money messages on financial behaviors, and highlighting impact on advisor/client relationship. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

RMD’s and things to remember – Just back from the Ed Slott conference in San Diego, Chris Boyd shares a variety of tax and financial planning topics with co-host Jeff Perry. The conversation begins with brief commentary on the upcoming elections. Next Chris shares detailed lessons about Required Minimum Distributions. The dialogue transitions to items to consider before the end of the year, including retirement contributions, Roth conversions, charitable giving and QCD’s. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr

Election and Investing – Senior Portfolio Manager Brian Regan joins Jeff Perry for a lively discussion about how the upcoming election may impact the markets and investors. The podcast starts out with a review of how the stock market has performed under prior Presidents. Brian shares detailed commentary of the likely economic outcomes of a Trump or Harris presidency. Jeff and Brian dig into issues of tax policy, deficit spending, employment, tariffs, and geo-politics. For more information or to reach Chris Boyd, Brian Regan or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Retirement Confidence – In this episode, Chris Boyd and Jeff Perry discuss the 34th Annual Retirement Confidence Survey conducted by the Employee Benefit Research Institute and Greenwald Research. Chris and Jeff dig into topics surveyed which include responses about Social Security, pensions, IRAs/401Ks, inflation, working after retirement and various expected sources of income. The discussion goes off on a tangent as the pair discuss the non-financial aspects of retirement planning. Chris also invites you to join him at an upcoming seminar titled “Your Retirement Countdown”. Click the link below to read the entire Retirement Conference Survey: https://www.ebri.org/docs/default-source/rcs/2024-rcs/2024-rcs-release- report.pdf?sfvrsn=2447072f_2 For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

End of Year Planning – Chris Boyd and Jeff Perry review financial planning and tax strategies investors may wish to consider prior to the end of the year. Topics discussed are RMD’s, estate planning, life insurance, charitable giving, deferring income, accelerating expenses, capital gains/loss harvesting and Roth conversions. Chris also reminds everyone why it is important to check and update your beneficiaries. Chris and Jeff also inform listeners of the new AMR Team office location in Hyannis and discuss the recent Grand Opening ceremony. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

College Planning – Part 2 – Chris Boyd and Jeff Perry introduce part two from their recent College Planning webinar. In this segment, Chris and Jeff introduce Cozy Wittman of College Inside Track. Cozy offers her thoughts on how to find the best “fit” for your student in the college selection. In addition, Cozy outlines the financial aid process and dispels some commonly held beliefs of which colleges may be the best value. Cozy also explains the FAFSA process and offers her advice as to what students and families should do with the announcement of the FAFSA opening delay. To watch the entire College Planning webinar, click the link below: https://www.youtube.com/watch?v=m55DXWD7HaA For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

College Planning – Part 1 – Chris Boyd and Jeff Perry introduce the first of two episodes from their recent College Planning webinar. In this segment, Chris and Jeff discuss the current and future cost of college and whether college is still worth the cost. Chris and Jeff then turn to the different ways to save and invest for future college expenses. The conversation focuses on the use of 529 plans. Jeff highlights why grandparents may be the best choice to set up a 529 plan. Chris and Jeff discuss what happens to 529 plan funds if they are not needed for college expenses. To watch the entire College Planning webinar, click the link below: https://www.youtube.com/watch?v=m55DXWD7HaA For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

The Survey Says – Aya Yoshioka CFA of Wealth Enhancement joins Chris Boyd and Jeff Perry to discuss the findings of Wealth Enhancement’s recent Retirement Lifestyle Study (linked below). The conversation begins with the survey’s top political concerns of the respondents as being inflation and taxes. Aya answers questions of the significance of elections and the stock market. Jeff outlines the lifestyle and happiness survey data among different generations. Chris asks Aya for her thoughts on the various geo-political events and how they could impact investors. https://www.wealthenhancement.com/s/blog/retirement-lifestyle-survey- MC5U5DUQSIRZCBLLM7CYSIKO6YLM For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Does China care about our elections? – China expert and Attorney Andrew Singer joins Chris Boyd and Jeff Perry for a timely discussion of whether China really cares who wins elections in the United States or is China most interested in division and disruption? In addition to the U.S. Election, Andrew responds to questions about Chinese life & culture, tariffs, and alliances with North Korea and Russia. Andrews also offers commentary concerning China’s conflicts in the region, including the Philippines, Vietnam and India. For a related recent article by Andrew Singer, click the link below: https://www.andrewsingerchina.com/post/china-the-presidential-election For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Critical Financial Steps to Take Before You Retire – Chris Boyd and Jeff Perry discuss a list of items that should be considered before you retire. On the top of the list is figuring out what role working part-time will play after you retire from your fulltime work. The conversation turns to Social Security planning and how it fits into the overall retirement income puzzle. Jeff warns listeners of the impact of failing to plan for future inflation. Chris shares his thoughts why it is so critical to identify your own retirement income style before you retire and suggests that people should practice spending in the context of your retirement budget. The last step people should take as they are approaching retirement is to start structuring their portfolio for retirement. Chris summarizes why all these items are critical to a successful financial plan. Please see below links to two related articles reference in this podcast. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr https://www.morningstar.com/retirement/5-critical-financial-steps-take-before-you-retire https://www.gobankingrates.com/retirement/planning/ways-retirees-can-be-better- prepared-when-inflation-skyrockets/      

Why Investors Missed Out on 15% – Chris Boyd and Jeff Perry open this episode with an update on the opening of a new office location in Hyannis for the AMR Team. They also discuss the recent Federal Budget deal and what it may mean after the November election. Chris and Jeff next review a recent Morningstar article titled “How can investors capture a greater share of their funds total returns in the future” (see link to the article below). The dialogue shifts to an in-depth look at how behavioral and psychological factors can harm investment performance. The conversation also includes an overview of the financial principles of asset allocation, diversification, and rebalancing. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr https://www.morningstar.com/personal-finance/fund-investors-who-kept-it-simple- captured-more-return    

10 Ways Retirees Can Be Better Prepared When Inflation Skyrockets – Jeff Perry asks Chris Boyd about a recent news article that Chris was quote in. The GoBankingRates article discusses how retirees can be prepared for inflation with forward thinking and some simple financial strategies (see article at the link below). Topics covered include Designing Your Retirement Portfolio Intentionally & Asset Allocation, Delaying Social Security If You Can, Considering Part-Time Work, Not Chasing Income, Revisiting Your Medicare Plan, Considering Downsizing or Relocating, Cutting Overlooked Expenses, and the question of Should You Drop Your Life Insurance. Chris closes out the podcast with a reminder of the upcoming College Planning webinar scheduled for September 24th (see link below) https://www.gobankingrates.com/retirement/planning/ways-retirees-can-be-better- prepared-when-inflation-skyrockets/ For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

The Fed, Interest Rates, and the Market – Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry for a lively discussion about the recent interest rate cut by the Federal Reserve. Chris asks Brian about the normalization of the yield curve and what it may be telling investors. Brian also responds to Jeff’s questions regarding fixed income investing and whether the utility sector remains attractive after recent gains. Chris closes out the podcast with a reminder of the upcoming College Planning webinar scheduled for September 24 th (see link below) For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Planning Retirement Income – Chris Boyd begins this episode with a reminder of the upcoming webinar on college planning (see link below). Jeff Perry joins Chris to delve into the complicated subject of planning income for your retirement. The discussion starts with a review of how pensions and social security can serve as the base of retirement income. The conversation turns to the different methods of sequencing withdrawals from taxable and non-taxable accounts and the consideration of income taxes. Other topics covered are Roth IRAs, owning the stock in a company you have worked for, using dividends for income, issues with buying an annuity and required minimum distributions. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

What’s moving the markets now? The stock market has felt a bit like a rollercoaster lately. Join Chris Boyd and Jeff Perry as they discuss the issues impacting the markets. Topics include the seasonality of the stock market, the November election, potential of a government shut down, economic reports of the CPI, PPI, and unemployment, and the upcoming decision by the Federal Reserve on interest rates. Also, Chris and Jeff opine on the recent Presidential debate and share their thoughts about the questions they wish had been asked by the moderators. Chris reminds listeners of the upcoming webinar on college planning (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Mail Bag (release on 9/12/24) – In this episode, Chris Boyd and Jeff Perry dig into the Team AMR Mail Bag and discuss questions and issues from clients and listeners. In a fast-paced and sometimes humorous conversation, Chris and Jeff handle questions related to SIPC coverage, Social Security Survivor benefits, how Social Security fits into a comprehensive financial plan, seeking a second opinion on retirement planning, and super-funding a 529 plan. In addition, Jeff and Chris discuss their upcoming College Planning Webinar (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Aging Plans with Annalee Kruger– Chris Boyd and Jeff Perry welcome Annalee Kruger of Care Right, Inc., and co-owner of Plan4LifeNow to this episode for an important discussion of when and how a comprehensive Aging Plan should be developed.  Topics covered include “Red Flags” that family members should look for with aging family members, when and how to step in and offer assistance, caregiver burnout, emotional issues and financial considerations. Annalee also offers her commentary on the current status and future outlook of senior care options. For information on Annalee’s book, please click the link below: https://www.amazon.com/Invisible-Patient-Emotional-Financial-Caregivers- ebook/dp/B09J64RGJW For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

International Day of Charity (release on 9/05/24) – In recognition of the International Day of Charity, Chris Boyd and Jeff Perry discuss different ways individuals with a chartable intent and who are concerned about income taxes may wish to make charitable donations. The duo has an active dialogue about the pros and cons of Donor Advised Funds, Charitable Remainder Trusts, and Charitable Annuities. Chris and Jeff also discuss the benefits of including family members in this process. Jeff highlights why collaborating with a financial advisor regarding charitable giving is an important component of a comprehensive financial plan. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Alphabet Soup- Attorney Keats Boyd joins Chris Boyd and Jeff Perry for a wide-ranging conversation about the impacts of recent items in the legal and political news, including the Corporate Transparency Act, Non-Compete Agreements, the Moore vs United States decision on unrealized gains being taxable, and the new rules on how listing and buyer real estate agents/brokers compensation has changed. Attorney Boyd also discusses his upcoming seminars and how to register (see link below). Chris and Jeff also remind listeners of the upcoming online seminar about college planning on September 24th (see link below). For information on estate planning seminars, click the below link: https://www.boydandboydpc.com/seminars/ For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Take a moment, step back, and ask how do I want to be remembered?   While most of us don’t wish to contemplate our own death, doing the necessary estate and financial planning and having the appropriate family conversations can mean a lot more than simply leaving a financial legacy for your family. Chris Boyd and Jeff Perry share experiences and client stories that demonstrate why having your affairs in order is a wonderful gift to leave behind. The discussion includes wills, trusts,health care proxies, powers of attorney, and other related documents. Chris mentions the George Kinder “3 Questions”. Chris and Jeff also remind listeners of the upcoming online seminar about college planning on September 24th (see link below). To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751 For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Why we ask the questions we ask  – Chris Boyd and Jeff Perry explain why financial advisors ask so many questions. Many of the questions may not seem relevant to the creation of a financial plan. The conversation starts with the first meeting which Chris calls the “getting to know you meeting” and follow up document gathering. Subjects covered include a wide variety of financial planning topics, goal setting and how one’s goals should drive one’s financial plans. Chris and Jeff discuss why questions about your health, family situations, and where you live are important to the creation of a successful financial plan. Chris and Jeff also remind listeners of the upcoming online seminar about college planning on September 24th (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Estate Planning  – With all the changes to the laws regarding estate planning and income taxes, Chris Boyd and Jeff Perry welcome Attorney Keats Boyd to the program. The conversation starts out with some basic estate planning techniques. The topics evolve into an in-depth dialogue on Trusts, Secure Act, Tax Cuts & Jobs Act, and Roth Conversions. Attorney Boyd also mentions his upcoming seminars and how to register (see link below). Chris and Jeff also remind listeners of the upcoming webinar about college planning on September 24 th (see link below). For information on estate planning seminars, click the below link: https://www.boydandboydpc.com/seminars/ For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751  

Is Money the Main Concern of Retirement? – Chris Boyd and Jeff Perry begin this episode with a review and commentary on the economic news of the week, including PPI, CPI, Retail Sales, and Unemployment data. Chris and Jeff then turn to the non-financial aspects of retirement planning, including deciding how you will allocate new found time in retirement. Of course, most areas discussed revert to related financial issues, such as the impacts of downsizing/relocating, travel expenses, gifting, and legacy planning. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Planning for College – Cozy Whitman of College Inside Track joins Chris Boyd and Jeff Perry to discuss the many challenges of planning for college. The conversation starts out with an announcement that the Free Application for Federal Student Aid (FAFSA) will not be available on the scheduled date of October 1 st . Topics covered during the podcast include the rising cost of college, how to start the college search, ways to save for future college expenses, and finding the right fit. The trio will also host a College Planning Webinar on September 24 th . See link below to register. To register for our College Planning Webinar, click the link below: https://attendee.gotowebinar.com/register/3777108755579750751 For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr To connect with Cozy Whitman, visit her website at: https://collegeinsidetrack.com/  

New RMD rules are here! - The Internal Revenue Service (IRS) has finally issued the regulations related to the SECURE 2.0 Act. Chris Boyd and Jeff Perry provide the details of the new rules and advice on different strategies for Required Minimum Distributions (RMD) from retirement accounts. After reviewing the new regulations, Chris and Jeff talk about a variety of commonly asked questions about RMDs for 401K’s and IRA’s. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

So much in the news – should investors worry? – If you have spent any time watching the news lately, it is easy to become worried about how your finances and investments might be negatively impacted. Chris Boyd and Jeff Perry dig into several items in the news this past week, including growing tensions between Israel and Iran, increased stock market volatility, unemployment data rising, and the upcoming election season. Chris and Jeff attempt to separate what really matters when it comes to your investments and financial planning. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

In this episode recorded on Thursday, August 1st, Chris and Brian dive into the key insights from the recent client webinar. They review the outlook for risk and opportunities, explaining their strategic shift from an overweight position in Mega Cap Growth stocks to a more diversified approach, including Small Caps, Utilities, and buffered risk strategies. The discussion also covers interest rate moves by the Fed, the impact of market concentration, various paths to outperformance, and the nuances of active vs. passive investing. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr   #Investing #Finance #MarketOutlook #SmallCaps #MegaCapGrowth #Utilities #RiskManagement #FedRates #ActiveInvesting #PassiveInvesting #InvestmentStrategies #MarketAnalysis #Diversification #Webinar #FinancialPodcast

Social Security ins and outs (Part 2 of 2) – Marcia Mantell of Mantell Retirement rejoins the program with Chris Boyd and Jeff Perry for a continuing conversation on the topic of Social Security. The trio starts out with an explanation of how Social Security benefits are calculated. Chris and Jeff present a series of special circumstances and how they can impact one’s Social Security benefits. Topics of discussion include the Windfall Elimination Provision, spousal benefits, and how divorce impacts benefits. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

ERISA and Medicare (Part 1 of 2) – Marcia Mantell of Mantell Retirement joins Chris Boyd and Jeff Perry. The segment starts off with the recognition that the Employee Retirement Income Security Act of 1974 (ERISA) is about to turn 50 years old! Marcia outlines the history and goals of ERISA. The conversation turns to a detailed review of the Medicare program, numerous nuances and challenges people face, including the Medicare income-related monthly adjustment amount (IRMAA). For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr

Investment Fallacies – Chris Boyd and Jeff Perry review a recent Morningstar article (see link below) about investment fallacies. The pair have an in-depth conversation about a variety of financial planning beliefs (which may or may not be true), including the pending demise of Social Security, lower expected equity/stock returns, the limits of index investing, and the belief that one can be too old to benefit from a financial plan. https://www.morningstar.com/columns/rekenthaler-report/they-told-me-wrong For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr      

How likely are you to need Long-Term Care? Chris Boyd and Jeff Perry dig into the data on the average incidence and duration of long-term care needs and who is most likely to have a severe, sustained, long-term care incident. During this episode, Chris and Jeff review a recent article from Morningstar (see link below) which outlines the likelihood of a sixty-five-year-old needing some type of long-term care. The conversation reviews several data points including wealth level, marital status, gender, and self-reported health status. Chris concludes the discussion by explaining how the issue of potential long-term care needs properly fits into a comprehensive financial plan.https://www.morningstar.com/retirement/how-likely-are-you-need-long-term-care For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Which of these things doesn't belong? – Do you know what types of investments are legally prohibited from being in an individual retirement account (IRA)? Chris Boyd and Jeff Perry outline in detail the various categories of investments that are not allowed to be inside an IRA. The conversation turns to a detailed dialogue of investments that may be lawfully allowed but may not be a wise choice for an IRA. Topics covered in this in-depth episode include life insurance, collectibles, sub-chapter S Corporations, margin accounts, REITs, and municipal bonds. For a related conversation on this subject, check the link below from the “Great Retirement Debate”: https://open.spotify.com/episode/5XOonBS5q4DH9TtfJRriVk?si=FUlKkj3BQlmrhFIxC y1Ndw For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Including family in your financial planning – While many people wish to keep their financial planning completely private, as one ages, it can be prudent to inform family members of your financial planning, estate planning, and help that may be needed from the family. Chris Boyd and Jeff Perry dig into this subject as Chris shares a personal story about his oldest client who recently passed away. The conversation includes situations when bringing your family together to be a part of financial planning can be a good way to foster open communication about finances, personal choices, and lessening potential family conflict. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

  Inflation falling, markets rising – Fresh off the Consumer Price Index (CPI) report, Chris Boyd and Jeff Perry discuss recent economic data and how it is impacting markets and the Federal Reserve’s posture on interest rates.  Jeff summarizes recent stock market returns and reviews the AAII Investor Sentiment Survey (see links below) and Chris comments on whether now is a good time to take profits.  The dialogue continues into long-term financial planning considerations, including risk tolerance, asset allocation, and managing cash flow needs. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr https://www.aaii.com/sentimentsurvey https://www.spglobal.com/spdji/en/commentary/article/us-equities-market-attributes/  

Lessons from the Morningstar Investor Conference – After attending the Morningstar Investors Conference, Chris Boyd summaries lessons learned. Chris starts out by sharing a chance meeting with legendary investor Mario Gabelli. Chris goes on to share what he took away from Morningstar’s CEO Kumal Lapoor’s comments at the Conference which in part predict lower stock market returns over the next ten years. Chris and Jeff go on to debate the value of long-term market forecasts and why staying true to a financial plan is critical. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

First half review of the markets – Chris Boyd and Jeff Perry welcome Brian Regan to the episode for a review of market returns for the first half of 2024. The conversation turns to a detailed analysis of Nvidia returns, including a history of the company and an outlook for other companies in the semiconductor industry. Chris asks Brian about his outlook of the fixed income sector. The dialogue turns to thoughts about copper, gold, and how commodities may or may not fit into an investment portfolio. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Misconceptions about your Money – Chris Boyd and Jeff Perry explore common misconceptions about money that can put your retirement plan in jeopardy. The conversation starts out with diversification dangers of single stock investing. Chris offers specific examples of mistakes people make and offers some guidelines to consider. Jeff warns listeners that one cannot always rely on the name of a mutual fund or ETF as being accurate to what the underlying investment holdings are. The conversation next includes issues of asset allocation and market risk. Chris gives his thoughts that being a low-risk investor presents its own concerns like inflation and ultimately asset depletion. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Retirement: Income and Taxes – Almost 20% of people over sixty-five are still working. In this episode, Chris Boyd and Jeff Perry discuss the various financial and emotional reasons that retirees continue to work beyond the typical retirement age. The conversation continues with a detailed dialogue about how working before and after Social Security’s full retirement age is treated for income tax purposes. Related issues of Roth conversions, IRA required minimum distributions (RMDs), and legacy planning come into play and how all these subjects are key components of the financial planning process. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Gary Quinzel on Markets, Economy, and Election – Chris Boyd welcomes Gary Quinzel who is the Vice President of Portfolio Consulting with Wealth Enhancement Group. Gary offers his commentary on the recent strength of the stock market and economy, including digging into recent inflation data and the direction of interest rates. Jeff Perry joins and asks how an investor should think about “Black Swan” events and geo-political concerns. Chris and Gary explore issues of proper asset allocation and diversification. Gary offers his thoughts on the upcoming 2024 election and what it might mean for the market and taxes. For more information or to reach Chris Boyd or Jeff Perry, click the below link:https://www.wealthenhancement.com/s/advisor-teams/amr  

Behavioral Wealth and Personal Finance – Behavioral Wealth Specialists Cohen Taylor and Wendell Clarke join Chris Boyd and Jeff Perry for a lively discussion on how financial planners can best serve their clients. Cohen and Wendell explain how the qualitative aspects of wealth management in a framework around emotional and behavioral components of financial goals and concerns are all connected. Cohen and Wendell share their thoughts on why attentive listening, mediation, assessment, and intervention skills are key to a successful financial planning process. Cohen outlines the 6 Elements of Wealth, and only one of them is about money! For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Pensions – Chris Boyd and Jeff Perry explore the various issues surrounding pension decision options. The in-depth dialogue starts off with a discussion a recent client was facing and how a range of factors influence what is best for each individual. At the 25- minute mark the conversation moves to how the Massachusetts state and municipal pension system operates and the variety of options available to retiring government employees. Related subjects discussed are survivor benefits, life insurance, and how everything best fits together in a comprehensive financial plan. Chris extends an offer for a complimentary guidebook on special needs trusts. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

Is Inflation Easing? – Brian Regan joins the episode with Chris Boyd and Jeff Perry to review the inflation data from the past week, including the Consumer Price Index and the Producer Price Index, both of which show signs of a recent lower rate of inflation. Brian offers detailed commentary of the specifics beyond the headlines and which data points investors should primarily focus on. Brian and Chris dig into Federal Reserve Chairman Powell’s press conference and what it means for the markets. Jeff asks Brian and Chris if the Fed should be concerned about rising unemployment data and if election year politics could be a factor in the Fed’s decision to lower interest rates. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr  

In this episode, Chris Boyd CFP®, CASL, CEPS catches up with Bob Powell CFP®, RMA® to discuss the pressing issue of financial exploitation, focusing on scams and schemes. Bob Powell highlights the prevalence of financial scams, particularly those targeting elderly individuals, with statistics showing significant financial losses and many cases going unreported. Common Scams- The discussion covers various scams such as AI-generated deep fakes, phishing emails, romance scams, and "pig butchering" investment scams, illustrating the sophistication and creativity of modern scammers. Risk Factors- Identifying factors that increase vulnerability to scams, including cognitive decline, social isolation, low financial literacy, and lack of a financial advisor. Protective Measures-Emphasis on education, awareness, and proactive planning.  https://www.thestreet.com/retirement-daily/ https://www.linkedin.com/in/powellrobert/ https://www.linkedin.com/in/j-christopher-boyd-b932169/