Could a Government Shut Down be only days away?  Chris shares insights about the risks of a 3/1/24 deadline and what it should mean for investors if we do have a shut down.  Complicating negotiations are enormous deficits and growing debt.  Chris weighs in on declining global trade, the challenges of target date funds, and other items in this week’s news.

More Mail Bag Questions – Chris Boyd and Jeff Perry dig into more questions from podcast and radio listeners. In this episode Chris discusses how too many investors are chasing yield, which may actually be adding more risk than is perceived. Chris and Jeff share their thoughts regarding total return versus income. The segment concludes with a dialogue of the dangers and costs of buying and owning a timeshare.   #InvestmentYield #TotalReturnVsIncome #FinancialInsights #InvestmentTips #RiskManagement #TimeshareRisks       Chasing Investment Yield Total Return vs. Income Debate Timeshare Ownership Risks Understanding Investment Risks Avoiding High-Risk Investments Timeshare Costs and Dangers Financial Planning Advice Investment Strategy Mistakes

Survey of the five worst things that harm your retirement plan – Chris Boyd and Jeff Perry discuss a recent nationwide survey which asked workers and retirees about mistakes and major life events, and how it impacted their retirement. Chris and Jeff review the top five results and offer specific commentary on how to avoid making these mistakes and other ways to enhance your retirement financial plan. A copy of this article can be found at the link below: https://www.fool.com/retirement/2024/02/01/americans-label-these-5-things-as-their- worst-reti/   #RetirementPlanningMistakes #RetirementSurvey #FinancialPlanningTips #AvoidRetirementMistakes #RetirementSavings   Retirement Planning Mistakes Major Life Events Affecting Retirement Nationwide Retirement Survey Results Enhancing Retirement Financial Plans Avoiding Retirement Planning Mistakes Retirement Savings Tips Financial Planning for Retirees Workers and Retirement Survey Insights

Chris Boyd and Jeff Perry dig into questions from podcast and radio listeners. In this episode Jeff asks Chris about the merits of UITs/Defined Portfolios, Closed-End Funds, & other illiquid types of investments. Jeff also questions Chris about investment portfolios with an overly simplistic design, broad balanced funds, and portfolios with a concentration in a single fund family.   #InvestmentTrusts #DefinedPortfolios #ClosedEndFunds #IlliquidInvestments #InvestmentStrategies #BalancedFunds   Unit Investment Trusts (UITs) Defined Portfolio Investments Closed-End Fund Strategies Illiquid Investment Types Simplistic Investment Portfolios Broad Balanced Funds

Family Meetings – Chris Boyd and Jeff Perry welcome Robert Mauterstock of Plan4Life to discuss when and why family members should be included financial planning meetings. The trio discusses real-life situations where including family members in meetings with financial advisors makes the most sense. Bob offers advice on what types of information should be shared with your children and in what context. The importance of estate planning is also highlighted.   #FamilyFinancialPlanning #EstatePlanning #FinancialAdvisors #FamilyFinance #Plan4Life #FinancialTips #FinancialInsights #EstatePreparation #FinanceForFamilies     Family Financial Planning Estate Planning Advice Financial Advisors Meetings Involving Family in Finance

Valentine’s Day and healthy marital finances – With Valentine’s Day quickly approaching, Chris Boyd and Jeff Perry dig into why and how good financial communication between spouses/partners is essential to a happy long-lasting relationship.  Jeff shares how he and his wife Lisa have a monthly financial review meeting.  The conversation turns to a study discussed at the link noted below from the Bowling Green State University’s National Center for Family & Marriage noting that 31% of those 65 and over are remarried. The article goes on to discuss important things to consider when remarrying later in life, including the need for a pre-nuptial agreement, revised estate planning documents and excellent communication between the spouses.  Chris and Jeff discuss common issues of family strife that occur when there is not clear financial expectations between the parties and their families.    https://www.aarp.org/money/investing/info-2023/financial-checklist-before-remarriage.html

In the news this week – Chris Boyd and Jeff Perry start off the segment with a review of the record high level of stock market prices.  Chris and Jeff next talk about the upcoming Superbowl pitting the Kanas City Chiefs against the San Franciso 49ers.  The conversation transitions to the finances of the Superbowl, including the over $1B of economic stimulus to Las Vegas (site of the Superbowl) and the $26B projected to be wagered on the game.  The segment ends with commentary on reports from the Congressional Budget Office (CBO) estimating that this year’s federal budget deficit will be $1.6T, and without changes to revenue or expenditures, the annual budget deficit in 2034 will rise to over $2.6T.  Chris and Jeff discuss at what level the growing national debt will be an issue to the financial markets.  

“Live Long, Die Short” – Chris Boyd and Jeff Perry welcome Dr. Roger Landry to the show. After a twenty-three year career in the Air Force, he became the President and Chief Content Officer of Masterpiece, which is an organization with the goal to research and change the perception on “health, change, and aging”. In addition, Dr. Landry is the author of “Live Long, Die Short: A Guide to Authentic Health and Successful Aging”. Dr. Landry focuses his comments on helping older adults achieve and maximize their true potential for healthy longevity, one that is based on research-backed content and lifestyle-focused measurements.  Dr. Landry calls his holistic approach to a “Health Portfolio” is driven by having a purpose, learning new things, engaging in physical movement, and maintaining strong social connections. 

And the survey says… – Chris Boyd, Jeff Perry and Brian Regan dig into the details of the State Street Global Advisors survey of more than 1,500 investors to better understand their goals and concerns. The survey also provides data on their 12-month outlook on the economy and their own personal finances. The trio discuss the survey results which show that inflation remains the number one concern of investors (66%) followed by rising healthcare costs (48%), recession fears (46%), saving enough for a secure retirement (44%) and market volatility (35%). Chris, Jeff and Brian offer commentary of their thoughts on the subjects which concern them the most.       Investor Survey Analysis State Street Global Advisors Investment Concerns Economic Outlook Personal Finance Trends Inflation Impact on Investments Healthcare Costs and Investments Recession Fears Retirement Planning Concerns Market Volatility Insights    

Should you consider downsizing in retirement? – All in the context of a comprehensive financial plan, the question of downsizing your home in retirement is dynamic and personal. Chris Boyd and Jeff Perry discuss the pros and cons of whether to downsize your residence in retirement. Over the course of the episode, Chris and Jeff cover the financial considerations of cash-flow, operating costs, capital needs, income taxes, and estate planning. Recognizing this decision is not strictly a financial decision, the duo discusses lifestyle considerations, such as climate, travel, closeness to family, and having a home that can meet future physical limitations. Lots of things to consider before making such an important financial and personal decision.

In the Financial News this week – Never a lack of breaking financial news on the minds of investors. Chris Boyd and Jeff Perry review a few stories from the past week, starting off with the Federal Reserve’s decision to keep the Fed Funds rate steady. Jeff reviews several employment reports that may show a slowdown in hiring. The pair next discuss a House of Representatives vote which passed a bipartisan tax bill that would increase the Child Tax Credit to benefit millions of low income families, while also allowing for the favorable treatment of corporate tax deductions for certain research and development expenses. The episode closes with a conversation of Elon Musk's Neuralink implanted brain computer chip. This evolving technology uses a robot to surgically place a brain-computer interface (BCI) in a region of the brain that controls the intention to move. The initial goal is to enable people to control a computer cursor or keyboard using their thoughts alone.              

What is moving the Market – Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry to review what has been moving the stock and bond markets recently. Topics in this episode include the Federal Reserve interest rate decision, rising tensions in the Middle East, geo-political impacts on trade and energy prices. The segment concludes with a summary of a recent webinar presented by Chris and Brian, which includes a conversation about the historical perspective on the markets and Presidential elections.       #MarketMovements #FederalReserve #MiddleEastTensions #TradeAndEnergy #GeoPoliticalImpacts #StockAndBondMarkets #ElectionEconomics #MarketHistory #InvestmentWebinar   Market Trends Analysis Brian Regan Federal Reserve Interest Rates Middle East Tensions Impact Trade and Energy Prices Geo-Political Market Effects Stock and Bond Market Insights Presidential Elections and Markets Historical Market Perspectives Investment Strategy Webinar Summary

While millions of Americans spend their working days dreaming about retirement, many fail to take the crucial financial steps they should before becoming a retiree.  Chris Boyd and Jeff Perry discuss a recent article (link below) titled, “Don’t even think about retiring until you have these three things paid off — and no, your mortgage isn't one of them.”  Chris and Jeff discuss the benefits of being debt-free in retirement and how one’s home can be a potential source of income or wealth. Jeff discusses using a “bucket” fund approach to save for a new car. Chris reviews different strategies for debt reduction. The segment ends with changes to student loans and strategies to consider for repayment of student loan debt.   https://www.aol.com/5-best-debt-consolidation-options-233533805.html

Brian Regan joins Chris Boyd and Jeff Perry for this segment. The conversations starts with how the stock market has been breaking records under the leadership of the Magnificent 7 stocks of Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla and whether they will continue to rule the market performance for 2024.  Brian reviews the recent record high stock market levels and provides his commentary on how technology has become a significant part of most companies in the S&P 500. The trio has an in-depth conversation of the most appropriate uses of managed mutual fund and ETFs.

12Chris Boyd introduces the topic of diversification in the world of personal financial planning. He reviews why diversification is a cornerstone practice for most investment portfolios.  Jeff Perry weighs in with comments regarding a recent news story (link provided below) which outlines how the Bill and Melinda Gates Foundation portfolio is invested primarily in just five individual stocks, including Microsoft, Berkshire Hathaway, Canadian National Railway Company, Waste Management, and Caterpillar.  Chris and Jeff discuss best practices and offer real life examples why some clients are resistant to diversify their investments.    https://finance.yahoo.com/news/bill-melinda-gates-foundation-86-103000872.html       Bill and Melinda Gates Foundation portfolio Investment strategy in major stocks Concentrated investments analysis Microsoft and Berkshire Hathaway holdings Canadian National Railway investment Waste Management and Caterpillar stocks Financial planning and investor behavior Understanding diversification in portfolios Investment advice and best practices Gates Foundation investment critique #SMwCB #WEG #CapeCod

Do you know your income tax dates? – With the new year comes tax preparation time. Chris Boyd outlines the key upcoming dates related to income taxes. Jeff Perry joins Chris as the conversation goes into tax planning and making contributions to retirement plans. The duo offers suggestions for when it is appropriate to change your income tax withholding. Chris and Jeff have a dialogue about the value of one’s time and when one should hire a professional for financial planning, legal services, and tax preparation. Income Tax Deadlines Tax Preparation Tips Retirement Plan Contributions Tax Withholding Strategies Financial Planning Services   #TaxDeadlines #TaxPreparation #RetirementSavings #TaxPlanning     Social Posting

How to pay for long-term care expenses – Chris Boyd and Jeff Perry go into great detail about the challenges of planning for long-term care. Chris starts the segment by grouping people into three distinct categories. These groups are people with wealth to cover the cost, those who will need to rely on public benefits, and the remainder who can and should plan for such a possibility of a long-term care event. Jeff suggests creating a dedicated “bucket” for long-term care expenses and offers a personal story about using a Roth IRA. Chris and Jeff discuss a variety of other options to consider, including insurance, equity in real estate, and hybrid approaches. Chris and Jeff also discuss an article from Kiplinger’s Magazine on things you should know about long-term care insurance (link provided below):   https://www.kiplinger.com/retirement/long-term-care-insurance/things-you-should- know-about-long-term-care-insurance   Long-Term Care Planning Healthcare Costs in Retirement Long-term Care Insurance Retirement Financial Planning Kiplinger’s Long-Term Care Advice   #LongTermCare #RetirementPlanning #HealthcareCosts #InsurancePlanning

How to survive the uncertainty and invest with confidence in an Election Year – Presidential elections can be divisive and unsettling for many people. At times, the fate of the world seems to hang in the balance with election results. But when it comes to investing, do elections really matter all that much? Chris Boyd and Jeff Perry review a recent report by The Capital Group which looks at such data since 1932. Listen in as you are likely to be surprised how much or little it actually matters who is in the White House. Presidential Elections and Investments Investing During Election Year Capital Group Report Analysis White House Impact on Stocks Election Year Investment Strategies   #ElectionYearInvesting #PresidentialElections #InvestmentStrategies #CapitalGroupAnalysis #StockMarketInsights

Bitcoin ETFs are now available – The US Securities and Exchange Commission recently approved 11 exchange-traded funds (ETFs) for Bitcoin. These new ETFs will allow investors to buy an asset that tracks the price movement of Bitcoin. Chris Boyd and Jeff Perry discuss if and when such an investment might be appropriate. Chris provides commentary on the risk involved and how the new types of investments often do not last for the long term. Jeff has a skeptical tone about crypto currencies in general and offers his thoughts regarding the difficulty in valuing them.  Chris reminds listeners of a past interview with Ric Edelman on this subject (see link below to that podcast).   https://somethingmorewithchrisboyd.libsyn.com/having-the-crypto-convo-with-ric- edelman Bitcoin ETFs Cryptocurrency Investment SEC Approval Bitcoin ETFs Bitcoin Price Tracking Crypto Investment Risks   #BitcoinETFs #CryptocurrencyInvestment #SECCrypto #BitcoinMarket #CryptoRisks  

Chris Boyd and Brian Regan discuss standard portfolio concerns, addressing issues like over- concentration in investments, the risk of over-diversification, and the necessity of aligning portfolios with personal comfort levels. They also analyze the latest inflation report and its implications for investors. The segment discusses the SEC's recent authorization of Bitcoin ETFs and how investors should approach this development. #PortfolioManagement #InflationImpact #BitcoinETFs #InvestmentDiversity #MarketTrends Portfolio Concerns Inflation Report Cryptocurrency Investment SEC Regulations Financial Market Analysis

7 Brian Regan, Senior Portfolio Manager, shares valuable insights on Smart Money Moves, focusing on 7 Practical Ways to Save Big and Live Well. He emphasizes the importance of saving and investing for wealth building, drawing from his financial journey. This segment is dedicated to helping listeners identify opportunities to enhance their future wealth. #SmartMoneyMoves #SavingTips#WealthBuilding #FinancialAdvice #InvestingWisdom Practical Saving Tips Building WealthInvestment Strategies Personal Finance Money Management

Jeff Dekko, CEO of Wealth Enhancement Group, joins Chris to discuss the firms approach to client success. They highlight the importance of a client-centered culture in financial planning and how their Round Table of Specialists fosters collaboration and informed decision-making. The conversation also covers integrating technology in financial services and the firms commitment to charitable initiatives.   #ClientCenteredFinance #Financialspecialists #TechInFinance #CharitableGiving #WealthManagement   Wealth Enhancement Group Financial Planning Culture Technology in Finance Charitable Activities Client-Centric Approach

Chris Boyd starts the year with a focus on Personal Finance New Years Resolutions, emphasizing the importance of reviewing and planning finances at the start of the year. He offers listeners a Complementary Portfolio Review to help them align their financial goals. The segment also touches upon the upcoming Caucus and primary season, speculating on potential outcomes and their impact on financial markets.   #FinancialResolutions #NewYearGoals #PortfolioReview #InvestmentPlanning #PoliticalImpactOnMarkets   Financial Planning New Year Resolutions Portfolio Management Investment Strategy Political Influence on Finance

Senior Financial Planner Scott Birmingham joins Chris Boyd and Jeff Perry to discuss some of the more common mistakes people make while planning for their retirement. Some of the issues discussed are planning for inflation, unexpected expenses, relocating, and rising medical expenses. Chris Boyd also outlines a complementary offer for a portfolio review and the creation of a financial plan. The trio goes into detail regarding how a financial plan should identify your goals and objectives while balancing both priorities of performance and personal risk management. Chris explains a two-meeting process where the client’s interests are paramount.

2024 Market Outlook – Chris Boyd, Jeff Perry and Brian Regan share their thoughts on the outlook for various financial markets in the new year. Brian provides a detailed review of current stock market valuations and offers an optimistic tone for 2024 corporate earnings. The trio reviews the influences of 2024 being an election year and Brian references an article (see link below) he authored on this subject. Jeff expresses his concerns about the mounting national debt. Chris questions Brian on his thoughts about international stock investing and the overall outlook for the bond market. https://wealthpop.com/your-politics-are-very-expensive/ Note – this segment should be Segment 1 in Hour 2 on 01/06/24

$1M does not go as far as it used to – In this segment, Chris Boyd and Jeff Perry dig into a recently published article on CNBC (see link below). Chris reviews the states where $1M in retirement savings will last the longest and the shortest. The pair outlines the actual definition of being a millionaire and Jeff reviews a survey of millionaires and the top 5 professions which create the most millionaires. You will likely be surprised which professions are on this list and which ones are not. https://www.cnbc.com/2024/01/01/how-long-1-million-in-retirement-savings-lasts-in- every-state.html

Year in Review – Chris Boyd and Jeff Perry look back at 2023 and discuss a wide range of topics. The conversation starts out with Chris outlining the market returns for last year and offering commentary on how inflation, higher interest rates, and fears of a recession impacted the markets at different periods during last year. Chris and Jeff go on to discuss geo-political events, including the war in Ukraine and the terrorist attack on Israel.

Chris Boyd, Jeff Perry and Scott Birmingham share their thoughts on goal setting and some of the ways to approach diverse types of goals, including the areas of finances, health, spiritual life, relationships, and time management. Jeff highlights the use of SMART goals, which stands for Specific, Measurable, Achievable, Relevant, and Time-Bound. Chris introduces George Kinder’s “Three Questions,” which are Design Your Life, You Have Less Time, and Today’s the Day. Chris, Jeff and Scott discuss how digging into each question in order can help define what things in life truly are the most important to you.   Chris Boyd on goal setting Jeff Perry SMART goals Scott Birmingham life planning Financial goals 2024 Health and wellness planning Spiritual life improvement Relationship and time management George Kinder's Three Questions Personal priority discovery   #NewYearNewGoals2024 #ChrisBoydLifeHacks #SMARTgoalsWithJeff #ScottBirminghamAdvice #FinancialWellnessJourney #HolisticLifePlanning #RelationshipGoals #TimeManagementTips #DefineYourLife

CEO Chris Boyd of Asset Management Resources (AMR) announces an exciting merger of AMR with Wealth Enhancement Services (WEG). Chris shares his reasoning and process of selecting WEG to partner with. Chris goes on to discuss his primary reason for the merger is to enhance service and resources for the AMR clients. Jeff Perry and Scott Birmingham discuss with Chris some of the benefits clients will see in the coming weeks and months, including additional expertise for unique and complicated issues. Scott also shares his thoughts on financial planning software that should enhance the overall client experience. Chris also reviews what will not be changing after the merger, including that he and Kristen Boyd will remain as the leaders of the AMR Team in the Hyannis Office. The current AMR staff will also remain in their current positions and the level of service to clients will not change. Chris shares that CEO Jeff Dekko of WEG will be a guest of the show in approximately two weeks.   AMR and WEG merger 2024 CEO Chris Boyd's strategic move Wealth Enhancement Services collaboration Enhancing AMR client services Financial planning software advancements Jeff Perry on client benefits Scott Birmingham's financial insights Leadership continuity in AMR Hyannis Office Upcoming guest CEO Jeff Dekko   #AMRWEGMerger #ChrisBoydVision2024 #FinancialFusion #EnhancedClientExperience #NewEraInFinance #SteadyLeadership #InnovativeFinancialPlanning #AMRTeamStrong #ExcitingFinancialFuture

New Year Resolutions – As the new year is upon us, Chris Boyd is joined by Scott Birmingham and Jeff Perry to discuss an article on the Schwab website (see link below) which highlights five steps that all investors should consider taking to help boost their financial fitness in the new year. Chris, Scott, and Jeff offer their commentary and suggestions on the five following financial resolutions: 1. Resolution 1: Creating a budget. 2. Resolution 2: Managing your debt. 3. Resolution 3: Optimizing your portfolio. 4. Resolution 4: Preparing for the unexpected. 5. Resolution 5: Protecting your estate. https://www.schwab.com/learn/story/new-years-financial-resolutions-get-your-finances- in-shape   Chris Boyd New Year Resolutions Financial planning 2023 Budgeting and debt management tips Portfolio optimization strategies Estate protection advice Scott Birmingham financial insights Jeff Perry investment strategies Schwab financial resolutions article   #ChrisBoydFinancialTips #NewYearResolutions2023 #BudgetingBasics #PortfolioOptimization #UnexpectedFinancialPrep #SomethingMorePodcast

7Has your life changed since you started your financial plan? In this segment, Chris Boyd outlines a complementary offer to 10 listeners for a portfolio review and the creation of a financial plan. Chris is joined on air by AMR’s Lead Financial Planner Scott Birmingham and Investment Advisor Representative Jeff Perry. The trio goes into detail regarding how a financial plan should identify your goals and objectives while balancing both priorities of performance and personal risk management. Chris explains a two-meeting process where the client’s interests are paramount. Chris, Scott, and Jeff explain that once one goes through the initial discovery process, AMR analyzes the information and makes specific recommendations of how AMR can help people address their fears and reach their goals.   Chris Boyd Money Makeover Free Portfolio Review Challenge Financial Fun with Chris, Scott, and Jeff DIY Investor Tips from AMR Widow's Guide to Financial Planning Spice Up Your Investment Strategy Personal Finance Transformation 2023 AMR's Exclusive Financial Offer   #ChrisBoydMoneyMagic #PortfolioParty2023 #FinancialFunWithAMR #InvestSmartWinBig #AMRMakeover #YourMoneyYourFuture #InvestmentRevamp #FinanceFiesta

In the spirit of the holidays, Chris Boyd and Jeff Perry explore the stock market hopes for a “Santa Claus Rally.” The two discuss how and when the concept of a Santa Claus rally started and whether it is a valid market indicator. Chris and Jeff go on to review other frequently discussed times that markets are expected to move higher, including the “January effect” and during years of a Presidential election. Jeff suggests that the recent increases in the stock market are connected to a change in the tone for interest rates by the Federal Reserve.     #SantaClausRally #StockMarketTrends #SomethingMoreWithChrisBoyd #JanuaryEffect #PresidentialElectionImpact #MarketPredictions #ChrisBoyd #JeffPerry #FinancialAnalysis #InvestmentStrategies #FederalReserveImpact #EconomicIndicators #HolidayTrading #MarketInsights      Santa Claus Rally Chris Boyd and Jeff Perry Stock Market Analysis January Effect in Stocks Presidential Election and Stock Market Federal Reserve Interest Rates Impact Stock Market Predictions Holiday Season Trading Trends Financial Market Indicators Investment Strategy Podcast Economic Trends Discussion Market Behavior Analysis

Chris Boyd invites Reverand Vincent Daily to discuss the meaning and spirit of Christmas. Reverand Daily is the Spiritual Director of Pope Saint John XXIII National Seminary. In this episode Reverand Daily, Chris Boyd, and Jeff Perry discuss a wide variety of subjects related to finding and spreading peace and joy, especially during Christmastime. The conversation goes on further to discuss modern television shows, movies, and podcasts and how they are reaching people in a new way. Reverand Daily, Chris and Jeff also share personal reflections on their own faith. #ReflectingOnChristmas #ChrisBoyd #ReverendVincentDaily #ChristmasSpirit #FaithAndJoy #SomethingMoreWithChrisBoyd #ChristmasReflections #PeaceDuringChristmas #ModernFaithMedia #SpiritualConversation #HolidayPodcast #FaithInModernTimes #ChristmasJoy #ReligiousDialogue #SpiritualDirection Christmas Reflections with Chris Boyd Reverend Vincent Daily on Christmas Spiritual Meaning of Christmas Peace and Joy in Christmastime Modern Television and Faith Christmas Movies and Spirituality Podcasts Influencing Faith Personal Faith Reflections Spiritual Direction in Modern Times Engaging in Religious Conversations Chris Boyd Christmas Episode Faith Insights Podcast Spirituality and Media Christmas Season Discussions Exploring Faith and Joy

Lessons from people who hate retirement – In this segment Chris Boyd and Jeff Perry review an article (see link below) from Bottomline magazine on why some people are not happy in retirement. Chris and Jeff discuss the below list of the most common mistakes made in retirement. Chris and Jeff also share their own personal reflections and client experiences on each subject.  Counting on your work friends.  Overthinking your purpose.  Embracing inactivity.  Overburdening your spouse.   Over-relying on your children.  Miscalculating your dreams.  Relocating blindly.  Being afraid to spend the kids’ inheritance. Lessons from people who hate retirement:  https://www.bottomlineinc.com/life/retirement-living/lessons-from-people-who-hate- retirement

Brian Regan, who is the Chief Investment Officer for Asset Management Resources joins Chris Boyd and Jeff Perry and reviews recent market performance and potential headwinds for 2024. Brian offers an optimistic tone for corporate earnings and interest rates for 2024. Jeff specifically questions Brian on sectors of the economy that he prefers and others he might avoid. Chris offers listeners the opportunity for a review of their investment portfolio, and an in-depth follow-up analysis of how this all fits into their individual financial plan.

Following up a recent episode, Chris Boyd and Jeff Perry return to a conversation of using a Retirement Checklist as you enter or are in retirement.  This week Chris and Jeff go over: Considering Medicare and Medigap deadlines. Planning for long-term care needs. Simplifying your financial life. Planning to retire TO something, not FROM something. Developing a daily routine for retirement. Spending your money. To read the mentioned article on this subject, see the link below: https://www.kiplinger.com/retirement/retirement-checklist-are-you-ready-to-retire If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd:  https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd  https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd #SMwCB #RetirementChecklist #RetirementPlanning #Medicare #Medigap #LongTermCare #FinancialSimplicity #RetireWithPurpose #DailyRoutine #MoneyManagement #RetirementTips #FinancialPlanning #KiplingerArticle

Chris Boyd and Jeff Perry discuss how long you live as a major consideration when it comes to developing a solid financial plan.  The pair starts off with a discussion of the different feelings and emotions that people have when talking about their own mortality.  Chris and Jeff go into a variety of issues including the impacts long-term care, major purchases and inflation have on the ability to make your funds last for your lifetime.  Chris and Jeff then review recent data on the different ages to take social security benefits and what individuals should consider when making such decisions. https://finance.yahoo.com/news/most-americans-dont-understand-this-key-metric-when-planning-for-retirement-130210068.html https://www.fool.com/retirement/2023/12/10/new-data-from-the-cdc-reveals-the-optimal-age-to-c/   If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd:  https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd  https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd #SMwCB #LongevityMatters #FinancialSecurity #RetirementPlanning #LongTermCare #InflationImpact #SocialSecurity #RetirementFunds #FinancialWellness #MoneyManagement #FinancialAwareness  

In this segment, Chris Boyd and Jeff Perry review the past week’s financial data including reports on the Consumer Price Index, Core Personal Consumption Expenditures, Producer Price Index, Retail Sales, and Unemployment.  Chris and Jeff discuss how the change in the Federal Reserve language (based on the above-mentioned financial data) has led to a rally in stocks and bonds this week.  Jeff wonders if the Santa Clause Rally has come a little early this year.  Jeff also points out that stock traders often miss such market rallies by being out of the market at the wrong time. Chris concludes the episode by considering what impacts the likely decreasing interest rate environment will have on 2024 returns in the bond and stock markets. If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd:  https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd  https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd #FinancialReview #SMwCB #EconomicData #FedLanguage #StockMarket #Bonds #SantaClauseRally #MarketAnalysis #InvestmentStrategies #InterestRates #2024Returns #FinancialPlanning #AssetManagement

In this episode Chris Boyd digs into ways you may be able to reduce this year’s income tax burden.  Chris refers to a recent article in Barrons (link provided below) and starts off the conversation with Jeff Perry on six specific areas to consider before year’s end.  The pair talks about ways to defer income into 2024 and accelerate deductions for 2023.  Chris and Jeff next go into the subject of locking in capital losses. This topic naturally transitions into the issues with mutual fund capital gain distributions and how to best avoid and plan for investment income taxes.  Jeff reminds listeners to make their quarterly estimated income tax payments.  As the segment concludes, the pair discusses current tax rates and the likelihood of higher taxes in 2026, when the Tax Cuts and Job Act expire.  Chris and Jeff wrap up the segment sharing their thoughts on Roth conversions and when they make the most sense. https://www.barrons.com/articles/taxes-inflation-deductions-brackets-roth-ira-e880ee33?st=ujq7offcrloh18q If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd:  https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd  https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd #SMwCB #TaxSeason #TaxPlanning #IncomeTax #TaxSavings #YearEndPlanning #Deductions #CapitalLosses #MutualFunds #InvestmentTaxes #QuarterlyPayments  

In this episode, Chris Boyd and Jeff Perry explore the recent decision of the Biden administration to use “March-In” rights and assert its authority to seize the patents held by pharmaceutical companies. Under the Bayh–Dole Act of 1980, the government retains certain rights on any products produced through a public-private partnership using federal funding. Chris and Jeff note that this never-before used power of the Federal government is concerning for both constitutional and commerce perspectives. The conversation takes a natural path to other actions by former Presidents (Republican and Democrat) which have led to an expansion of the power of the President. Chris and Jeff further the conversation by reviewing the most recent Republican Presidential debate and how some Republican candidates seem to embrace the expansion of Presidential power.   If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/  https://www.facebook.com/SomethingMoreWithChrisBoyd  https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd    #PresidentialPowers #PharmaceuticalPatents #MarchInRights #BayhDoleAct #GovernmentAuthority #ConstitutionalConcerns #CommerceImplications #FederalGovernment #PresidentialExpansions #RepublicanDebate #PoliticalAnalysis #SMwCB

7How do you view Risk as you grow older? Chris Boyd and Jeff Perry dig into the issues of risk tolerance and asset allocation in this segment. The pair gives non-financial examples of how our tolerance for risk naturally declines as one ages. Chris goes on to share his experience and advice on making changes to one’s investment portfolio and maintaining a proper allocation of investments to be able to reach your financial goals, while being comfortable with the level of risk you are taking. The need for investment diversification is discussed in great detail. Chris and Jeff go in depth with their thoughts of different investments and products that are available to meet an individual’s particular circumstances. The segment concludes with a reminder to work with an advisor who is a fiduciary and to have a full understanding as to how your advisor is compensated.  If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd:  https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd  https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd #RiskTolerance #AssetAllocation #FinancialPlanning #InvestmentDiversification #RetirementPlanning #PortfolioManagement #FinancialGoals #FiduciaryAdvisor #RiskManagement #InvestmentProducts #SMwCB #FinancialAdvice

Barbara Cotton who is the Executive Director, Southeastern Massachusetts for the American Red Cross joins Chris Boyd and Jeff Perry to discuss the 5 Lines of Service that Red Cross volunteers work to deliver. Director Cotton shares stories about providing relief services to local Cape Cod families after fires and other support provided to those in crisis. The conversation goes further to ways the Red Cross helps families and communities prepare for emergencies, including weather related situations and the subsequent need for community shelters. Other areas discussed are blood donations, CPR training, services to our Armed Forces, and international services. Chris Boyd concludes the episode by pointing out that those individuals currently taking required minimum distributions from an IRA may want to consider a QUALIFIED CHARITIABLE DISTRIBUTION.     If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd   #AmericanRedCross #CommunityService #EmergencyPreparedness #VolunteerWork #DisasterRelief #CapeCodHeroes #SupportingFamilies #CPRTraining #BloodDonations #ArmedForcesSupport #InternationalAid #CharitableGiving #FinancialPlanning #QualifiedCharitableDistribution

Need a Retirement Checklist? In this segment, Chris Boyd and Jeff Perry review a recent article from Kiplinger’s Magazine, “Ten years before you retire is a good time to start preparing so you're in great shape when the time comes.”   Chris and Jeff cover the first half of the article, which includes:  Save what you can and think about how you want to live.  Fine-tune your investments — allocation, allocation, allocation.   Go prospecting — look for money you may have forgotten about.  Make plans and give them test drives. In a future segment, Chris and Jeff will continue this discussion on the remainder of the Retirement Checklist. To read the mentioned article on this subject, see the link below: https://www.kiplinger.com/retirement/retirement-plans/checklist-for-retirement-planning If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd #RetirementReady #FinancialPlanning #RetirementChecklist #KiplingersMagazine #InvestmentStrategies #RetirementPreparation #ProspectingForSavings #TestDriveYourPlans #RetirementPlanningTips #SMwCB

Brian Regan, Chief Investment Officer of Asset Management Resources joins Chris Boyd and Jeff Perry for this episode to discuss the life and recent passing of Charlie Munger who was an American businessman, investor, and philanthropist. Until his recent death, Mr. Munger was vice chairman of Berkshire Hathaway, which is controlled by Warren Buffett. Brian starts off by sharing some of the personal and professional history of Mr. Munger and how he and Warren Buffet became close friends and business partners. Brian shares many of the financial lessons that he has learned from Mr. Munger. Jeff reminds listeners that not only was Mr. Munger a hugely successful investor, but that he lived a generous, humble life and often used humor in his conversations. Chris reflects on several quotes and principles of Mr. Munger and how his simple business methods and patience proved successful for decades. If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd   #CharlieMunger #InvestmentWisdom #BerkshireHathaway #WarrenBuffett #FinancialLessons #Legacy #BusinessSuccess #HumorInBusiness #InvestingPrinciples #AssetManagement

In this episode, Chris Boyd and Jeff Perry welcome Rabbi Jonah Steinberg from the Anti-Defamation League (ADL). Rabbi Steinberg is the Director of ADL’s New England Region and discusses the rise of antisemitism since the October 7 th attack on Israel where the terrorist group Hamas attacked Israel killing over 1,400 people, wounding thousands, and kidnapping at least 250 children, women, and men. The group discusses a new study released this week which found that 73 percent of Jewish college students and 44 percent of non-Jewish students have experienced or witnessed antisemitism since the start of this school year. Rabbi Steinberg offers his thoughts on some reasons for the rise in antisemitism. The group discusses the poor response to antisemitism from several universities, including Harvard, Penn State and Columbia. The conversation includes the recent investigation of the U.S. Department of Education and the possibility of issues related to Title 6/Civil Rights. For more information on the above-mentioned study, see the link below: https://www.adl.org/resources/press-release/nearly-three-quarters-jewish-students- experienced-or-witnessed-antisemitism   If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd     #AntisemitismAwareness

With all the changes in the rules concerning inheriting an Individual Retirement Account (IRA) since the passage of the Secure Act 2.0, Chris Boyd answers a series of listener and client questions. Co-host Jeff Perry starts off with a question whether someone taking a Required Minimum Distribution (RMD) from an IRA can also contribute (and deduct) to an IRA from earned income. The questions turn to how a beneficiary IRA distribution is handled before and after the effective date of the Secure Act 2.0. The dialogue continues with specific case scenarios and which rules apply to each unique set of facts. The issues of inheriting a Roth IRA are reviewed and the segment wraps up with when it may be appropriate to consider a Roth IRA conversion. If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd   #IRAInheritanceChanges

Attorney Andrew Singer joins Chris Boyd and Jeff Perry to discuss the current relationship between the United States and China. Attorney Singer who has studied in China and is the author of “China Sings to Me” discusses the evolution of the bilateral relationship between the United States and China after four decades of formal relations. He expands on the vitriol and blowback that people and organizations face who are trying to further a positive dialogue. Jeff quotes statistics from a Pew Research study that shows that most Americans have a negative view of China. Attorney Singer offers his thoughts why China and the United States hold such views of each other. The conversation continues with how the relationship between these two superpowers impacts not only geopolitics and military issues, but also on trade and commerce. To read Attorney Singer’s recent newsletter on this subject, see the link below: https://www.andrewsingerchina.com/post/andrewsingerchina-newsletter-vol-2-issue-35- special   If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd     #USChinaRelations #ChinaSingsToMe #BilateralDiplomacy #Geopolitics #TradeAndCommerce #PositiveDialogue #GlobalSuperpowers #PublicPerception #AndrewSingerChina #PodcastDiscussion

In this episode, Chris Boyd, Scott Birmingham, and Jeff Perry cover the topic of who needs an estate plan, how often the plan should be reviewed and some of the most common mistakes people make in estate planning. Jeff starts out with a review of the common documents used in estate planning. The conversation develops into the emotional side of the estate planning process and the suggested practice of including family members in the discussion. Scott shares a personal story where his own planning came into play and the lessons he learned. The trio discusses the use of trusts. If you need help with financial planning issues don’t hesitate to reach out to Asset Management Resources at (866) 771-8901. Something More with Chris Boyd: https://amrfinancial.com/radio/ https://www.facebook.com/SomethingMoreWithChrisBoyd https://www.instagram.com/somethingmorewithchrisboyd/ https://twitter.com/SMoreChrisBoyd   #FinancialPlanning #EstatePlanMistakes #FamilyInvolvement #EstatePlanReview #CommonDocuments