Shows
Your Dollars, Our SenseEpisode 35 - Politics & Policy: What Does the Election Mean for Investors?Beacon Pointe Chief Investment Officer Michael Dow joins Coby and Karen to discuss what matters most to investors during an election year and the policy of most significance that no one is talking about.
Show Notes Links:
A Primer on Financial Repression
Beacon Pointe Marcro & Markets Webinar – August 2024
Upcoming Webinars2024-09-2034 minYour Dollars, Our SenseEpisode 34 - Inherited an IRA? Here’s the Final Word from the IRS on What You Have to Do NextCoby and Karen provide a primer on the IRS’s final rulings around Inherited IRA withdrawals. This timely update on the Secure Act 2.0 will help you prepare for important changes in 2025.
Show Notes Links:
Secure Act 2.0 Quick Fire Part 1 (Spotify) | Apple
Secure Act 2.0 Part 2 (Spotify) | Apple2024-09-2019 minYour Dollars, Our SenseEpisode 33 - What’s Going On with Mortgage Rates?!Zach Wain of Wain Capital explains why mortgage rates are on the decline ahead of the Federal Reserve cutting interest rates – and what this means if you’ve been sitting on the fence. Plus, an update on what’s trending in mortgage products.
Show Notes Links:
How Mortgage Rates Work (2020)2024-09-1828 minYour Dollars, Our SenseEpisode 32 - Preparing Parents for CollegeAs college-bound students decide where they’ll spend their years ahead, Coby and Karen share important documents to have in place for adult children and their best tips for tapping into 529 College Savings Plans - plus some easy mistakes to avoid!
Show Notes Links:
529 College Look-Up
Important Documents for College-Bound Children
2024-05-3129 minYour Dollars, Our SenseEpisode 31 - Perspectives from the ProsStraight from the floor of our annual Advisor Summit, Beacon Pointe Wealth Advisors Coby Cress, CFP® and Karen Reifel, CFP® sit down with five industry thought leaders to dissect why 2024 is a stock picker’s paradise, the future of office buildings, equity managers trapped in a bond manager's body, and how your refrigerator can destroy your life...
Important Disclosure: This episode contains the opinions of Beacon Pointe's guests and are subject to change.2024-04-261h 10Your Dollars, Our SenseEpisode 30 - Hidden ValueJoin Beacon Pointe wealth advisors Coby Cress, CFP®, and Karen Reifel, CFP® as they share expert insights, real-life anecdotes, and some not-so-obvious benefits that a financial advisor can provide for you along your wealth journey.
Discover the hidden treasures buried within this episode – including how an advisor can help you avoid costly mistakes, provide you with peace of mind, and save you valuable time. 2024-03-2236 min
WomenShareDoing Things Right: What We Can Learn from the Industry’s Largest Woman-Led Firm"It started as an initiative just within the firm to do things better, to create well, to invite women to a table and to make that table a comfortable, safe space to come and talk and be a part of."Welcome to WomenShare: a marketing guide for women in financial services. On today’s episode, Joanna Ehresman and Leah Alter are joined by Karen Reifel, CFP®, a senior wealth advisor at Beacon Pointe Advisors.Beacon Point is the largest female-led RIA firm in the country with women making up over 60% of their corporate team and fea...2024-03-1331 minYour Dollars, Our SenseEpisode 29 - Having a FamilyInspired by the recent addition to podcast co-host Coby’s family, Karen and Coby share their best financial advice for starting a family - before and after baby! From diaper budgets to building the foundations of your family’s future, we’ve laid out some of the key financial considerations that accompany this important life decision in our newest episode.
Links:
Your Dollars, Our Sense Book: https://a.co/d/fZzybHf
'Saving for College: https://beaconpointe.com/college-savings-plans-faqs/
529 Plan FAQs: https://www.savingforcollege.com/intro-to-529s/what-is-a-529-plan
FMLA: https...2024-02-0950 minYour Dollars, Our SenseEpisode 28 - Our Gift to You About Gift GivingCoby and Karen highlight one of the most misunderstood money concepts, breaking down the rules of gift giving. From freebee gifts the IRS ignores, when gifts need to be reported, and common gifting mistakes, all the details are wrapped up in a nice little package.2023-11-1629 minYour Dollars, Our SenseEpisode 27 - It's Ok to Be ReasonableCo-hosts Coby Cress, CFP® and Karen Reifel, CFP® discuss the importance of balancing your reasonable and rational desires when it comes to decision-making. They touch on topics such as mortgage payments, social security, and portfolio risk when considering how to make decisions that fit your financial goals.
Links:
The Psychology of Money, by Morgan Housel
Markets in Motion podcast
Article2023-09-0128 minYour Dollars, Our SenseEpisode 26 - Advice Through the Ages - Financial Tips for Those in Their SixtiesIn this episode of Beacon Pointe podcast "Dollars & Sense", co-hosts Coby Cress, CFP® and Karen Reifel, CFP® shed light on the importance of this decade as it sets the stage for retirement plans, Medicare considerations, legacy planning, tax strategy, and some easily avoidable missteps along the way.
Episode Resources:
Financial Planning Through the Ages: 60 Somethings
Devin Carrol
Outlive by Peter Attia, MD
Simple Wealth, Inevitable Wealth by Nick Murray
Retirement Planning Guidebook by Wade Pfau, Ph.D.2023-08-1838 minYour Dollars, Our SenseEpisode 25 - Good Advice, Bad For YouSome advice may be good, just not good for you. 'Dollars & Sense' co-hosts Coby Cress, CFP® and Karen Reifel, CFP® highlight the importance of financial advice tailored to your personal situation and how informed decisions can help you avoid any hidden pitfalls of generic advice.
2023-07-1438 minYour Dollars, Our SenseEpisode 24 - Investing Through the FogIn this episode of 'Dollars & Sense', co-hosts Coby Cress, CFP® and Karen Reifel, CFP® record live from the Beacon Pointe Advisor Summit in Laguna Beach, California. They recap investment opportunities as shared by industry leaders at the annual conference, and also speak to the role passion plays in financial guidance.
Episode Links:
Learn more about our DAF:
https://youtu.be/TkqPWsbjduE
Learn more about Portfolio Diversification:
https://beaconpointe.com/diversification-dont-put-all-your-eggs-in-one-basket/
2023-04-2643 minYour Dollars, Our SenseEpisode 23 - Advice Through the Ages – Financial Tips for Those in Their FiftiesThe 'Advice Through the Ages' mini-series continues with must-know financial tips for 50-Somethings! Plus, hear how to begin thinking about and saving for retirement if you haven't already.
Important Disclosure: The discussions, outlook, and viewpoints featured are not intended to be investment, planning, legal or tax advice and do not consider specific investment objectives or risk tolerance you may have. The opinions expressed in this podcast are subject to change at any time without notice. All investments involve risks, including the loss of principal. Consult your financial professional for guidance specific to your circumstances.
2023-03-2430 min
Your Dollars, Our SenseEpisode 22 - Secure 2.0 Act - Quickfire #2 (Retirees)The Secure 2.0 Act has been a hot topic these days for retirees and pre-retirees alike. Passed by Congress in late 2022, the legislation comes with some major changes in retirement planning. Hint: it’s a good thing!
Whether it’s changes in your employer’s sponsored retirement plan or how you should be saving for your children’s education, ‘Dollars & Sense’ co-hosts Coby Cress and Karen Reifel are here to help you understand the retirement plan changes headed your way.
In this episode, Coby and Karen break down key highlights of Secure 2.0 for retirees, including RMD changes, Qua...2023-02-0723 minYour Dollars, Our SenseEpisode 21 - Secure 2.0 Act - Quickfire #1 (Pre-Retirees)The Secure 2.0 Act has been a hot topic these days for retirees and pre-retirees alike. Passed by Congress in late 2022, the legislation comes with some major changes in retirement planning. Hint: it’s a good thing!
Whether it’s changes in your employer’s sponsored retirement plan or how you should be saving for your children’s education, ‘Dollars & Sense’ co-hosts Coby Cress and Karen Reifel are here to help you understand the retirement plan changes headed your way.
In this episode, Coby and Karen break down key highlights of Secure 2.0 for pre-retirees, including mandatory retirement s...2023-02-0712 minYour Dollars, Our SenseEpisode 20 - New Year, New NumbersWith a new year comes new updates in the world of finance. Tax season is right around the corner, and it is important to keep up with new tax laws.
With changes in 401k contribution limits, charitable donations, and even potential tax benefits for purchasing an electric car, co-hosts Coby Cress, CFP® and Karen Reifel, CFP® will help get you up to speed.
Show Notes:
Electrek
Important Disclosure: The discussions, outlook, and viewpoints featured are not intended to be investment, planning, legal or tax advice and do not con...2023-01-2023 minYour Dollars, Our SenseNew Year, New NumbersTax season is right around the corner, and it is important to keep up with the new tax laws and changes. Co-hosts Coby Cress, CFP® and Karen Reifel, CFP® discuss 401k contribution limits, charitable donations, and even in potential tax benefits for purchasing an electric car, on this episode of 'Dollars and Sense'.
Show Notes:
Electrek2023-01-1726 minYour Dollars, Our SenseEpisode 19 - Micro Money(ish) Resolutions You Can't MissKeeping up with your New Year's Resolutions can be tough, but it's helpful to remember that a little goes a long way! The first episode of 'Dollars and Sense' in 2023 kicks off the new year with co-hosts Coby Cress, CFP® and Karen Reifel, CFP® discussing healthy habits and attainable goals, how your finances play into your life objectives, and share resources that have helped them achieve their personal resolutions year over year.
Show Notes:
University of Texas Admiral McRaven Speed
Thriftbooks
Atomic Habits
The 3 Alarms
Power of Hab...2023-01-1729 minYour Dollars, Our SenseEpisode 18 - Advice Through the Ages - Financial Tips for Those in Their FortiesContinuing their miniseries 'Advice Through the Ages,' co-hosts Coby Cress, CFP® and Karen Reifel, CFP® share their wisdom for those in their 40’s who are looking to successfully establish financial goals, ramp up retirement savings, and avoid common money missteps in what is many people’s most profitable decade.2022-10-2630 minYour Dollars, Our SenseEpisode 17 - Thinking Long-Term Planning: An Interview with Beacon Pointe’s VP of Insurance Services on Planning for Care Needs as We AgePodcast co-hosts Coby Cress, CFP® and Karen Reifel, CFP® interview Beacon Pointe Vice President of Insurance Services, Scott Plamondon, CLU®, ChFC® on the topic of Long-Term Care ("LTC"). Scott shares the benefits of early enrollment and which plans are best for different age groups, the pros and cons of LTC, and various ways to incorporate Long-Term Care into your financial plan.
Show Notes:
Scott Plamondon (splamondon@beaconpointe.com)
2022-09-2026 minYour Dollars, Our SenseEpisode 16 - Advice Through the Ages - 20-30 SomethingsFollowing close on the heels of Beacon Pointe’s ‘Foundations of Finance’ financial literacy workshop dedicated to educating, engaging and empowering our next generation investors, the latest episode of ‘Dollars & Sense’ marks the launch of a new miniseries – ‘Advice Through the Ages.'
Kicking off the series, co-hosts Coby Cress and Karen Reifel share their wisdom for those in their 20’s & 30’s who are looking to successfully save, invest and avoid money missteps.
Show Notes:
Your Dollars, Our Sense Book
WSJ: Guide to Understanding Money & Investing Book
Total Money Makeover
2022-08-2516 min
Your Dollars, Our SenseEpisode 15 - Celebrating Women’s History Month with CEO Shannon EuseyCo-hosts Coby Cress and Karen Reifel are joined by Beacon Pointe CEO and Co-founder Shannon Eusey. An insightful deep dive into Shannon's favorite reads, what she's learned over the years as a woman (and mother of 4) in wealth management, and how Beacon Pointe came to be.
Show Notes:
GRIT- The Power of Passion & Perseverance
A Man in Full
Fast, Eat, Repeat
Lead & Disrupt
Mauve Gloves & Madmen, Clutter & Vine
Women’s Advisory Institute (WAI)
2022-03-2330 minYour Dollars, Our SenseEpisode 14 - The Psychology of Personal FinanceCo-host Coby Cress sits down with Lindsey Larrabee, a consultant focused on financial psychology and behavioral sciences. In this episode, we explore the four money personality types, discover how unconscious money beliefs can shape our financial health, and generate awareness of our own limitations around personal money matters.
Show Notes:
Your Money Script
2021-12-2155 minYour Dollars, Our SenseEpisode 13 - A Veterans Day TributeIn a special Veterans Day tribute, co-host Coby Cress sits down with Beacon Pointe co-Founder and Vietnam Veteran Garth Flint. Garth flew F-4 fighter jets for the U.S. Navy while assigned to several carriers, including the U.S.S. Coral Sea. In 1967, right after Christmas, his recon plane was shot down over Haiphong in the Gulf of Tonkin by a North Vietnamese AAA anti-aircraft gun. In this episode, Garth shares his story, providing insight into what life as a civilian and investment consultant has looked like since that fateful day, and more.2021-11-1134 minYour Dollars, Our SenseEpisode 12 - The Profitability of Non-Profit WorkThe story of a child cancer survivor, the birth of a 501(c)(3), charitable gifting strategies, and the tax benefits of doing some good.
Show Notes:
When Breath Becomes Air by Paul Kalanithi
The Emperor of All Maladies by Siddhartha Mukherjee
Children's Cancer Network
2021-08-2647 minYour Dollars, Our SenseEpisode 11 - The Reward GameGet the scoop on credit card rewards- what they are, how they work, and how to win!
Show Notes:
Thinking Fast & Slow
When Breath Becomes Air
2021-06-3052 minYour Dollars, Our SenseEpisode 10 - BONUS: Whatever Even is It? C-Suite ExecutiveIntroducing bonus episodes where co-hosts Coby Cress and Karen Reifel decode commonly used and often misunderstood terms. Short, sweet and sense-ible.2021-06-3010 minYour Dollars, Our SenseEpisode 9 - Bridging Gaps in Health InsuranceIn this special episode, Coby sits down with health insurance consultant Matthew Gardener to discuss the ins and outs of health insurance and Medicare.
Show Notes:
'Bridging the Gap' to Medicare & Medicare Basics (Live Video)
Matthew Gardener
2021-06-3038 minYour Dollars, Our SenseEpisode 8 - Weigh the VoteWhich is better - trading or investing? Co-hosts Coby Cress and Karen Reifel discuss the different approaches and why the discussion is trending today.
Show Notes:
The Upstarts by Brad Stone
2021-05-2441 minYour Dollars, Our SenseEpisode 7 - The Most Important Price to KnowHow and why interest rates matter to stock and bond investors. A Q&A style format with Beacon Pointe’s Chief Investment Officer, Michael Dow.
Show Notes:
Glossary of Terms
Markets in Motion2021-04-231h 04Your Dollars, Our SenseEpisode 6 - The 10 Questions to Help Vet a Financial AdvisorWhat should you ask when vetting a potential financial advisor? Co-hosts Karen Reifel and Coby Cress discuss which 10 questions will give you the insight you need before hiring an advisor to find your perfect fit.
Show Notes:
10 Questions You Should Ask Your Financial Advisor
The Top Ten Financial Certifications
2021-03-161h 03Your Dollars, Our SenseEpisode 5 - What Goes Up...What is inflation and why does it matter? How does it affect your finances? How do you protect yourself against it? This episode covers anything and everything to do with inflation – a topic most people don’t normally care to dive into but should (hint: it impacts you more than you realize). Join co-hosts Coby Cress and Karen Reifel as they tackle this timely topic.
The Economic Machine (Ray Dalio)
Nick Murray
2021-02-1952 minYour Dollars, Our SenseEpisode 4 - The Longest Short Year, Ever (Lessons from 2020)2020 felt like the longest and shortest year ever. There was much hardship but also a lot to learn from as we begin 2021. Co-hosts Coby Cress and Karen Reifel spend this episode reflecting on the financial rollercoaster of 2020 and how you can transform lessons-learned to be financially savvy as we step into a new year.
Show Notes:
Beacon Pointe Advisors YouTube Channel
2021-01-0751 minYour Dollars, Our SenseEpisode 3 - Taking to the Open Road (RV Style)Road trip! In tune with the many, many Americans taking to the open road for stateside exploration due to pandemic travel restrictions, this episode covers the latest trend, buying an RV. Co-hosts Coby Cress and Karen Reifel share their best practices for large purchases as it relates to your current and future financial situation.
Show Notes:
Deep Work by Cal Newport
Outdoorsy
2020-12-0938 minYour Dollars, Our SenseEpisode 2 - The Brass TaxCo-hosts Coby Cress and Karen Reifel discuss everyone’s favorite topic… taxes. What are they, why do we pay them, how can we decrease our taxes? Believe it or not, this episode is not boring. Tune in for easy ways to give you peace of mind next time tax season rolls around.
Show Notes:
Honey
2020-12-0940 minYour Dollars, Our SenseEpisode 1 - The Rush to RefinanceWelcome to Dollars and Sense! With interest rates as low as they are, Beacon Pointe wealth advisors Coby Cress and Karen Reifel discuss elements of consideration when contemplating a mortgage refinance. They also share what is on their money mind, some lessons learned and have several laughs as they kick off the first episode of Dollars and Sense!2020-12-0931 min