Shows
CAPitalize Your FinancesSocial Security Payments Ending? with Rick Plum, CFP®I’ve been looking forward to this one...“Professor” Rick Plum has been a mentor, friend, and sounding board for more than a decade, and in this episode, he joins me in studio for a conversation about one of the most misunderstood topics in finance: Social Security.Will Social Security Run out? How is it funded? What are the best strategies to be aware of with tax proposals coming to possible fruition in Congress? When should you claim Social Security for retirement income?We get into all of this and then some. I even g...2025-04-281h 02CAPitalize Your FinancesHow Bodybuilding Principles May Also Build You a Better Investing PortfolioIs there a parallel between the principles of fitness and bodybuilding and the principles of investing?
In today’s podcast, I’m going to show you how the disciplined approach of legendary bodybuilder Mike Mentzer can also be used to create effective personal finance strategies. I’ll tell you about my own fitness journey, shaped by my early challenges with Crohn’s Disease, and give you some insight into the ways that focus and simplicity in bodybuilding can be applied to financial success.
Mike Mentzer taught that maximum effort in minimal sets yields the best results...2024-03-2536 minCAPitalize Your Finances7 Tips to be Better with Your MoneyLet’s be honest here – finances are complicated. We all want to make good money moves, but we often don’t know if we’ve made a good decision with our money until it’s too late. Wouldn’t it be great if we knew ahead of time how to do what’s right?
That’s exactly why you need to listen to today’s podcast. I’ve got 7 tips on how to be better with your money, and believe me, it was quite a task just trying to whittle the list down to just seven! Are you emotional about...2024-03-1845 minCAPitalize Your FinancesWarren Buffett's 2024 Annual Shareholder Letter - My ReviewThis week I’m going to start off with a brand-new segment of the show: The free weekly financial tip. And today’s tip is one of the most important I can give you – Simplicity in Investing.
To underscore how vital this is, I’m going to dive into Warren Buffett’s latest Berkshire Hathaway shareholder letter and share with you some of the key insights of this legendary investor. What is his investment philosophy? How important are things like operating earnings and the power of strategic, patient investment in a few high-quality enterprises? What role does long-term...2024-03-1353 minCAPitalize Your FinancesUnlocking Your Potential: Markus Kaulius Shares Strategies for Dreaming BiggerWhat does success look like? Is it all about money? Or is it more about feeling fulfilled in your relationships, health, career, and a higher power? My guest today, Markus Kaulius, makes a strong argument that it’s definitely the latter.
How did Markus’s early life shape who he is today? What inspired him to start a supplement company? And when your business becomes such a big part of your identity, how do you transition into a new kind of life when you ultimately sell your business?
Life is all about learning and growing, and...2024-03-111h 10CAPitalize Your FinancesInvesting Tips, Tracks and Strategies with Kyle GrieveI’m thrilled to be talking today with Kyle Grieve, host of the Millennial Investing podcast and the We Study Billionaires podcast at the Investor’s Podcast Network. In today's episode, you'll learn about Kyle's story, how he got into investing, and his essential investment tips, tricks, and strategies that can help seasoned and new investors alike.
How did Kyle get started with the Investor’s Podcast, and how did that lead to the Millennial Investing podcast? What books got him interested in investing? What does his research process look like, and how does that relate to the wa...2024-03-041h 17CAPitalize Your FinancesThe 5 Most Common Money MythsWhen it comes to finance, there are very few absolute truths. But there are MANY absolute un-truths. Let’s call them “myths.” And while some are relatively harmless, there are others that can break even the best-laid financial plans. So I’m here to de-bunk them.
Consider this: Are stocks and other long-term investments risky? Are fees always bad? Does money really make you happy? People think about questions like that all the time, and while the answers might seem obvious at first glance, a deeper look can reveal something else entirely.
I’m focusing today on t...2024-02-2643 minCAPitalize Your FinancesHow to Develop Your Best Leadership SkillsIt’s been said that it takes time and experience to develop great leadership skills – people who do the right thing, are good role models, and act with both fairness and accountability. My guest today, Heather Penny, PhD., has written a book that covers exactly how to achieve it.
I have so many questions. What were some of the best business qualities that Heather gained from being a Leadership Coach? What were some of the most valuable skills that she and her husband learned from running a coffee shop? And when it comes to large companies, what trai...2024-02-121h 04CAPitalize Your FinancesHow to Avoid the 4 Most Common Financial Mistakes People Make?Today’s episode is all about the four most common mistakes I’ve seen people make when it comes to their finances – AND my advice on how to fix them. It’s like a free financial planning session with me!
I originally came up with much more than four when I was putting together this episode, but I whittled down to the top four. And these types of mistakes run across the financial landscape: investing, spending, financial choices we make, planning far into the future, and a lot more.
Are you making any of these common f...2024-02-0532 minCAPitalize Your FinancesShould You Ever Consider a Prenup or Postnup?If you’re thinking about getting married, or you’re already happily married, you REALLY need to hear today’s podcast. My guest is Aaron Thomas, an attorney in Georgia and the founder of Prenups.com. He’s here to give you advice on prenups, “postnups,” and everything in between!
Should you have a prenup even if you don’t have any assets? Should you keep everything separate, just in case? What are some of the most common financial arrangements that married couples have in their 20s, 30s, 40s, 50s and 60s? In what way is getting married like f...2024-01-2954 minCAPitalize Your Finances5 Life Lessons from Charlie MungerI want to use this opportunity to tell you about one of my favorite human beings of all time: Charlie Munger. You may have never heard the name Charlie Munger before, but in my line of work, there are very few people who don’t know who he was– or, at the very least, who haven’t been influenced by him in some way.
Charlie was a lot of things: investor, businessman, philanthropist, vice chairman of Berkshire Hathaway, and a key partner to Warren Buffett. He’s famous for his investing acumen, sharp wit, and for being a propon...2024-01-2234 minCAPitalize Your FinancesCAPitalize Your Finances With Shane Baldwin
One of the most powerful things you can do as a human being is to challenge your own perceptions and embrace the power of being true to your own nature. My guest on today’s podcast, Shane Baldwin, did exactly that, and he wrote an astonishingly honest book about his experiences.
Shane wrote The Honest Lie during his five-year prison sentence for securities fraud. How do you tell an “honest lie” and what does that mean? Can you actually speak your own desires into existence? How was Shane able to make $1 million in 60 days? What is the biggest fear he has...2024-01-081h 05CAPitalize Your FinancesCAPitalize Your Finances with Efren DelgadoIt’s been said that if you’re human, you have flaws; and those flaws can actually work to your advantage. The person who said that just happens to be my wonderful guest on today’s episode, Efren Delgado. Efren is author of The Opposite is True: Discover Your Unexpected Enemies, Allies, and Purpose Through the Eyes of Counterintuitive Psychology, a mammoth book about turning your “failures” into successes.
When meeting someone for the first time, how do you get that person to trust you? How do you read into someone’s body language? Where does the concept of Groupthink c...2023-12-111h 31CAPitalize Your FinancesCAPitalize Your Finances with Max LewisWhat really sets the go-getters apart from the rest? It's not just luck or a roll of the dice. It's about having faith in their own abilities and then working tirelessly to make those dreams come true.
My guest, Max Lewis, is one of those people. From selling mangos as a child to amassing millions by exchanging propane tanks, Max overcame adversity and built himself into an ultra-high net-worth individual by 36 years old. He’s also the author of “Who Is Max Lewis? 37 chapters, 37 Lessons, $37 million,” and it is safe to say he is worth listening to when i...2023-12-041h 16CAPitalize Your FinancesCAPitalize Your Finances With Eugene Marshall
Today I want to introduce you to a new friend of mine, Eugene Marshall, a tax advisor and founder/CEO of Magnolia Tax Services in Chicago. As most CAPitalizers know, tax planning and tax management are two of the most important elements of financial planning, and we're going to cover that topic thoroughly today.
As always, I’ve got MANY questions for Eugene: What are some of the most common mistakes that both business owners and everyday people make when it comes to taxes? What are some strategies to give someone who’s looking to save on thei...2023-11-2739 minCAPitalize Your FinancesCAPitalize Your Finances With Jeffrey FeldbergToday I have a unique and extremely special guest. This guy is actually a series of things, but for today, he's the host of the Deep Wealth podcast and CEO of Deep Wealth, where he and his partner guide business owners to the promised lands of extreme liquidity and buyouts. I’m of course talking about the legendary Jeffrey Feldberg, who sold his business for an undisclosed NINE figures (so for you all out there that aren't as number loving...that's AT LEAST $100,000,000!)
A smart business owner puts everything on the line to make their business work. And when it...2023-11-1356 minCAPitalize Your FinancesCAPitalize Your Finances With David NewmanI have a really special guest today. He is an award-winning sales consultant and two-time author, the one and only David Newman! We're going to be talking about his most recent book, “Do It! Selling,” which is THE definitive guide to achieving success in the world of sales.
No matter what you might be selling, the fact is that today's buyers value empathy, relevance, and intimacy over sales pitches, sales hype, and sales jargon. I’ll talk to David about how he got into true sales consulting in the first place, and I’ll ask him about the whol...2023-11-061h 32CAPitalize Your FinancesCAPitalize Your Finances With Julie BroadMy wonderful guest today probably needs no introduction, but for those who don't know who Julie Broad is, she's the founder of the self-publishing services firm Book Launchers, #1 Amazon Bestselling author, and Top 20 under 40 award winner for business success. Yes, she is a big deal!
What got Julie started in her book-marketing venture, and what were some of the best experiences she gained before she pursued her next chapter? What was it like for her to make the leap from working at RealNet in Canada to go into entrepreneurship, especially having done it during the depths of...2023-10-3037 minCAPitalize Your FinancesCAPitalize Your Finances with Cars Yeah Podcast Host Mark GreeneMy wonderful guest today is none other than our great family friend and the legendary car podcast host Mark Greene of Cars Yeah. Mark is an "incurable" automotive enthusiast and has spent a long time talking with successful automotive entrepreneurs who live a lifestyle around their passion for
automobiles.
I have so many questions for Mark. Where did he get his love for cars? Was there a specific car that got him started on his lifelong journey? What made him come up with the idea of starting his Cars Yeah podcast, and what did his original business plan look...2023-10-231h 02CAPitalize Your FinancesCAPitalize Your Finances AND Health with Dr. Rand McClainToday I have a rather unique guest! Dr. Rand McClain is a hormone replacement specialist and author of a fabulous book, “Cheating Death: The New Science of Living Longer and Better.” I'm excited to have him on the show to talk about something you rarely hear discussed: the health side of finance. There’s so much to uncover here. How did his health journey shape his view on capitalizing his finances? How close are we to curing and eliminating many of the autoimmune diseases out there? What about overcoming the cost barriers? How could understanding things like telomeres...2023-10-1646 minCAPitalize Your FinancesCAPitalize Your Finances with Guy SpierI'm thrilled to have on the show today the one and only Guy Spier, manager of the Aquamarine Fund and author of a wonderful book, “The Education of a Value Investor,” which has sold more than 40,000 copies and has been translated into several languages. He's one of my favorite guests, and favorite investors, of all time. Once you hear him speak, I think you'll know why.I've got so much to cover today. What's causing some of the professional investors to reveal more about their investing framework? When he said "Greed may be good after all," what did he m...2023-10-091h 36CAPitalize Your FinancesCAPitalize Your Finances with Asset AllocationOne of the most commonly-heard terms in finance is Asset Allocation. Oddly enough, it's also one of the most misunderstood terms as well. Many people have heard of it, but they don't understand its true value... or how much value it has at all... if any.On today's episode of CAPitalize Your Finances, we'll go over what it is, how it works, and why it's perhaps a little too popular and leaned on a bit too much. When is it appropriate to use what's known as traditional asset allocation? Can sticking to a traditional asset allocation when g...2023-10-0225 minCAPitalize Your FinancesCAPitalize Your Finances - Lou Diamond, Host of The Thrive Loud Podcast and 2x Author of "Master the Art of Connecting" and "Speak Easy, Connect with Every Conversation"My very special guest today is Lou Diamond, host of the Thrive Loud podcast and author of two fabulous books: Master the Art of Connecting and Speak Easy, Connect with Every Conversation. Lou works with top performers, organizations, and companies to better connect to prospects, to better connect their marketing message to their audience, and to company leaders to better connect to their people. What were some of the lessons he learned while working on Wall Street many years ago? Can the normal ups and downs of the market also apply to people's careers? How do you ma...2023-09-2552 minCAPitalize Your FinancesCapitalize Your Finances as an NFL PlayerAre you an NFL player who's made it onto a team for this year? Congratulations! That's something that so very few athletes are able to accomplish. At the same time, it's important to know that having achieved that status means you've got your work cut out for you, in more ways than one.Beyond the work you have to do on the field, you've got things to consider off the field - not the least of which is your finances. Even if you're "just" making the league minimum salary, that's still a lot of money that you'll need...2023-09-1833 minCAPitalize Your FinancesCAPitalize Your Finances with The Endowment ModelI'm REALLY pumped today to talk with you all about an investing strategy that singlehandedly changed the game for both me and my clients back when I first discovered it. It's called the Endowment Model.There's so much to unpack here. Who created it, and why is it so revolutionary? How and when did it "click" for me? How does it work? What are the potential risks? How have I used it for my own family's portfolio? And, finally, if you've already CAPitalized, we're going to talk about how you can get started using the Endowment Model for...2023-09-1130 minCAPitalize Your FinancesCAPitalize Your Finances On Entrepreneurship - Fans QuestionsToday’s program will be entirely devoted to answering your questions, things many of you have written to me about over the past few weeks. I will be doing so using a slight twist of finance by focusing on the world of entrepreneurship. This is a huge topic for many of you CAPitalizers out there. I should say right off that being an entrepreneur is not for everyone. Those of you who are excited to get into the world of running your own business need to know that the title of business owner comes with a tremendous amo...2023-08-2837 minCAPitalize Your FinancesCAPitalize Your Business Succession Plan with Laurie Barkman, Author of The Business Transition HandbookI'm SO excited to speak with today's guest, Laurie Barkman, the former CEO of a company with $100 million in annual revenue that sold to a Fortune 50 firm. Laurie is a true "business transition sherpa," a business exit planning advisor and host of the award-winning podcast Succession Stories, providing guidance to business owners on how to plan successful transitions. For those of you that are looking to sell and/or buy a business and want to learn more about her framework, you NEED to read her book, The Business Transition Handbook.How do you value a company (including y...2023-08-211h 02CAPitalize Your FinancesCAPitalize Your Finances as a Professional Athlete Turned Marketing Mogul with Malcolm LemmonsMy guest today is Malcolm Lemmons, who is not only a former pro basketball player in Japan, but also a two-time author and founder of The Hype Report Newsletter. As you could imagine, I never pass up an opportunity to speak with a professional athlete who's also well-versed in the business world! We cover a lot of ground in this episode: How has the world of athletic marketing changed over the years? How early does marketing start for potentially elite athletes? How does learning about competition in sports translate to the business world? Are colleges today doing a...2023-08-1453 minCAPitalize Your FinancesCAPitalize Your Finances with Kyle McDowell, author of the USA Today and Wall Street Journal best-seller “Begin With WE” I’m thrilled to be able to talk today with Kyle McDowell, author of “Begin With WE” – a USA Today and Wall Street Journal best-seller that examines the root causes of dysfunction in business, especially what he calls the plague of a “me-oriented” paradigm. Kyle spent nearly 30 years in corporate America, and with that kind of experience, it’s probably fair to say that he’s seen it all. How did he get through the troubling times of his career as a corporate consultant? How do you emphasize the positive aspects of a company without also trying to sweep the negati...2023-08-071h 27CAPitalize Your FinancesCAPitalize Your Finances with Gautam Baid, CFA, Author of The Joys of CompoundingMy guest today is one of my favorite financial authors, Gautam Baid, CFA, who wrote the international best-seller on value investing, The Joys of Compounding. In 2018 and 2019, he was profiled in Morningstar’s Learn from the Masters series. Just for a bit of background, Gautam Baid is the Managing Partner of Stellar Wealth Partners India Fund, a Delaware-based investment partnership which is available to accredited investors in the US. Gautam is also the Equity Advisor of Complete Circle Stellar Wealth PMS, a portfolio management service which is available to Indian citizens and NRIs globally. Both funds are mod...2023-07-311h 05CAPitalize Your FinancesCAPitalize Your Finances in your Comfort Zone with Kristen Butler, Founder of Power of Positivity, 3-Time Best Selling AuthorKristen Butler is Founder and CEO of Power of Positivity, a community with more than 50 million followers committed to living their best life. She had to overcome MANY obstacles in her life before she learned how to embrace herself and, as she said, allow flow to take control.How do you take control of both your inner self (spiritually) and your "outer" self (financially)? Is growing your power of positivity a calculated process, or one that's shaped as you go along? And what are some financial strategies that Kristen implemented to CAPitalize on her own Finances? 2023-07-241h 15CAPitalize Your FinancesCAPitalize Your Finances with Seth Stephens-Davidowitz, Author of "Don't Trust Your Gut: Using Data to Get What You Really Want in Life"When we make big decisions - like who we marry, how to date, where to live - we often just go with our gut instinct. But that "gut feeling" we get is very often wrong - and data can prove it.My guest, Seth Stephens-Davidowitz, author of "Don't Trust Your Gut: Using Data to Get What You Really Want in Life," has some of the best insights into just how wrong we are when it comes to improving our own lives. It's really a lack of emotional intelligence which draws people to the "shinier" objects and people i...2023-07-1752 minCAPitalize Your FinancesCAPitalize Your Finances with Alec Ingold, NFL Fullback for the Miami Dolphins, Author of "The Seven Crucibles: An Inspirational Game Plan for Overcoming Adversity"My guest today is Alec Ingold, fullback for the Miami Dolphins, a Walter Payton nominee of 2020, and author of "The Seven Crucibles: An Inspirational Game Plan for Overcoming Adversity." One of the first things he wrote, which hooked me immediately, was: "Chasing dreams without adversity is like winning a video game on the easiest setting." This is relatable on SO many levels.Every goal, every dream, has a price that must be paid in order to achieve it. What have been some of the most profound difficulties, obstacles, learning hurdles, and financial lessons that Alec learned along the...2023-07-101h 09CAPitalize Your FinancesCAPitalize Your Finances with Blue Collar Ca$h - Ken Rusk, Author of Blue Collar Ca$h, Host of Comfort Peace & Freedom Podcast and Founder of Rusk Industries, Inc.Ken Rusk is the founder of Rusk Industries, and author of "Blue Collar Cash," one of the best books I've ever read about achieving your dreams, regardless of your educational background. I'm thrilled to have him on my show today. Ken started his business with just six employees and has grown it over the years to more than 200. How do you keep 200 people happy, while at the same time making sure they're all focused on the company's vision? At what point do you begin investing more in yourself and less in the business? On the personal...2023-06-261h 09CAPitalize Your FinancesCAPitalize Your Finances with ESG Investing (Or Not?)I've been getting quite a number of questions from people who want to know about something called Environmental, Social, and Governance Investing - ESG for short. It has to do with evaluating companies based on things like corporate climate policies, how they deal with pollution and waste, natural resource conservation, and if they are aware of things such as diversity, equity and inclusion, etc.This type of investing isn't new; in fact, it's been around for almost 20 years. ESG really took off around 2015, when investors, having been burned by the corporate malfeasance that led to the 2008 meltdown, ha...2023-06-1924 minCAPitalize Your FinancesCAPitalize Your Finances as a Recent College GraduateToday I'm going to focus on all of you recent college graduates out there. You've got unique financial questions when building your own CAPitalized Financial Success, and I want to dive right into them to get you started on your journey.Do I need a budget? How do I create one? What does it REALLY mean to invest? Retirement seems far away - do I need to think about that right now? What about credit card debt and student loans? When can I buy a home?If this all seems like a lot to think a...2023-06-0538 minCAPitalize Your FinancesCAPitalize Your Finances as Military PersonnelOur servicemen and women have always had a special place in my heart. And unfortunately, for those in the military, there's very little out there that is giving them customized financial advice.I want to change that. On today's episode, I'll answer the most common questions our military fans have come up with, and give you the tools and tricks you need financially, regardless of whether you make the military a lifelong career or you eventually move into the private sector.We'll focus first on your Thrift Savings Plan (TSP): how to best use it, ho...2023-05-2935 minCAPitalize Your FinancesCAPitalize Your Finances with Danielle DiMartino Booth, CEO and Chief Strategist, QI Research, Author of Fed Up: An Insider's Take on Why the Federal Reserve is Bad for AmericaI'm SO excited to talk today with one of my favorite economists and financial personalities, Danielle DiMartino Booth! She is CEO and chief strategist of Quill Intelligence, and author of "Fed Up: An Insider's Take on Why the Federal Reserve is Bad for America." In today's volatile financial environment, the Federal Reserve has made moves on interest rates that have had reverberating effects across the economy. One of my many questions for Danielle is this: if she were the Fed Chair, what would she have differently in years past, and what would she do going forward? Were int...2023-05-2249 minCAPitalize Your FinancesCAPitalize Your Finances with Trey Lockerbie, Host of We Study Billionaires on The Investors Podcast Network, CEO of Better BoochIt’s always fun for me when I get to interview people who have found success in life, whether it’s in business, finance, or just about anything else. That’s why I’m so excited to talk today with Trey Lockerbie, co-founder and CEO of Better Booch and host of one of my all-time favorite podcasts, We Study Billionaires on The Investors Podcast Network! Most of Trey's following knows him from hosting the #1 investment podcast in the world, but what most don't know is that Trey was (and still is) a former musician who transitioned out of music...2023-05-081h 14CAPitalize Your FinancesCAPitalize Your Finances with William GreenI'm SO excited to bring you my guest on today's podcast: William Green, author of one of my all-time favorite reads, Richer, Wiser, Happier. Anyone who wants to become a better investor can get a great deal of insight from people like Warren Buffett, Charlie Munger, Bill Miller, and others, and that's exactly what his book is all about, as William has spent his career interviewing ALL of these greats and packing these interviews into his incredible book. We cover a LOT of different topics in this interview, including William's idea of investing in life as a ga...2023-04-241h 58CAPitalize Your FinancesCAPitalize Your Finances with Ryan Dusick, Maroon 5's Founding DrummerIn order to achieve success, you have to pay some dues along the way. My guest on today's episode, Ryan Dusick, knows all about paying dues, achieving success, and then working hard to reclaim that success once the music stopped...literally.Ryan Dusick is the founding drummer of the Grammy-winning pop rock band Maroon 5, and he's seen his share of both highs and lows. His memoir about his life, "Harder to Breathe," is a must-read for all CAPitalizers who want to learn how success can be achieved in a multitude of ways, whether it's CAPitalizing Your Finances, CA...2023-04-101h 09CAPitalize Your FinancesCAPitalize Your Finances as a CEO, with Carl Cox, CEO of 40 StrategyI'm so excited to be talking today with Carl Cox, CEO of 40 Strategy, host of the "Measure Success" Podcast and author of the brand new book, Lost at CEO! Over his career, Carl has been directly involved in seven companies that have grown by a factor of 3 or more. This is someone we can all learn from!While many business owners have a lot of ideas, they tend to lack focus. And as you know, one of the smartest things a CAPitalizer can do is separate what's important in their life from what's not, and to lock in...2023-03-2754 minCAPitalize Your FinancesCapitalize Your Finances Knowing Where the Money Is - Adam Seessel, Founder of Gravity Capital ManagementAll CAPitalizers know that if you want to learn something, you learn from the best. And when it comes to investing, people like Warren Buffet and Benjamin Graham are great models to follow. My guest, Adam Seessel, is a legendary investor, founder of Gravity Capital Management, and author of Where the Money Is: Value Investing in the Digital Age. We discuss how you take the value investment strategies of Buffett and Graham and apply them to the digital world we live in now. How do you determine the true value of a company? Where can the basic inv...2023-03-1359 minCAPitalize Your FinancesCAPitalize Your Finances with John Lee Dumas from Entrepreneurs on FireAnyone who knows me will tell you that I absolutely love entrepreneurs: people who take a chance, go out on their own, and do whatever it takes to succeed. John Lee Dumas is the host of Entrepreneur on Fire, an award-winning podcast in which he interviews inspiring entrepreneurs, many of whom have gone on to make it big themselves. As CAPitalizers, we know the importance of modeling people who have forged their own path and have found success doing it. What was John's plan when he first started off in the podcasting world? What key t...2023-02-2720 minCAPitalize Your FinancesCAPitalize Your Premier Media Group with Josh Dunn, Founder of Premier Media GroupAll CAPitalizers understand that there's no easy, get-rich-quick scheme that will bring you to the top of the mountain. If you're going to fully CAPitalize on your finances, you have to know that for growth to occur, whether it's for your portfolio or your business, you've got to nurture it over time.Josh Dunn is the founder and CEO of the publishing company Premier Media Group. He's well aware of what it takes to build a business from the ground up, and the patience and care required to reach one's goals. Josh is passionate about entrepreneurs and he...2023-02-1331 minCAPitalize Your FinancesCAPitalize Your Finances as a CPA with Peter Margaritis, Director of the School of Accounting Communication Center at Oklahoma State UniversityIf you've ever found yourself in a situation where your current profession does not match up with your own lifelong passions, then today's guest is going to suit you perfectly!Peter Margaritis, host of the Change Your Mindset podcast, is an accountant/ educator by trade, but his passion is improv comedy. Many years ago he figured out how to combine his passion for improv with his ability to crunch numbers as a CPA and use it to teach others how to develop their own lifelong leadership skills.A good CAPitalizer knows how to use the t...2023-01-3038 minCAPitalize Your FinancesCAPitalize Your Finances as a Restaurant Franchise Owner With Tom Baldwin, Owner of The Dark Side of The Spoon Hospitality GroupHave you ever thought about owning your own restaurant? Franchise? Anyone who's familiar with the story of how McDonald's got started knows that a restaurant franchise can be profitable... extremely profitable, but is not without its risks.My guest on today's episode, Tom Baldwin, is the hugely successful owner of Dark Side of the Spoon, which owns and operates some of the Midwest's most legendary bars and restaurants. What was his business life story? What were the risks he encountered, and how did he overcome them? What advice would he give to aspiring restauranteurs, and franchise owners to c...2023-01-1643 minCAPitalize Your FinancesCAPitalize Your Finances as a Millennial Investor - Rebecca Hotsko, Host of the Millennial Investing PodcastOne of the things I enjoy doing the most is learning from successful people. In fact, it's how I got started on my own CAPitalized financial career path. On today's show I welcome one of my newest best friends: the highly talented and amazingly smart Rebecca Hotsko, host of the Millennial Investing Podcast. The goal of any CAPitalizer is to have the confidence in themselves to make smarter financial decisions, and one of the ways to do that is to learn from those who have forged a path. Rebecca's mission, much like mine, is to help people to m...2023-01-0242 minCAPitalize Your FinancesCAPitalize Your Finances as a BookThinker - Nicholas Hutchison, Founder of BookThinkersOn today's program I'm talking with one of my new best friends in the publishing business, the one and only Nicholas Hutchison, founder of BookThinkers. Nicholas is dedicated to building educational tools and social communities that anyone can use to fulfill their own potential.This idea fits right into a CAPitalizer's niche! As you know, a CAPitalizer is someone who's passionate about empowering people to bet on themselves and to be confident about every aspect of their financial life. Nicholas has done exactly that, and in this episode we dive into how he started his business from scratch, th...2022-12-1954 minCAPitalize Your FinancesCAPitalize on Your Comedic Financial Success with Fahim AnwarIt's a wonderful thing when you understand your current financial situation. But as CAPitalizers, we know that there's a lot more to it than simply understanding. We take it to the next level by examining every nook and cranny of where we are financially, and where we'd like to be. We want to have confidence that we've set ourselves up and that we're not going to fail.On today's episode I'm talking with the legendary comedian Fahim Anwar. He's appeared on CONAN, LATE NIGHT WITH SETH MEYERS, has served as head writer and starred on a sketch show...2022-12-0559 minCAPitalize Your FinancesCAPitalize on a Few Retirement QuestionsThis week's episode of CAPitalize Your Finances is going to be a bit different from what we've done in the past. Normally I speak about an individual topic that's relevant to what all you CAPitalizers need to know or have guests on from all walks of life to enlighten you how to CAPitalize Your Finances, regardless of what path you choose.This episode? CAP is answering YOUR questions! As you might imagine, doing so often leads to follow-up questions from many of my astute listeners and subscribers. Over the course of this past year, I've rece...2022-11-2136 minCAPitalize Your FinancesCAPitalize on Private EquityYou may have heard of "Private Equity," but how many people actually know what it is? Terms like these are tossed around quite a bit in the financial industry, and that may or may not be a good thing. A great CAPitalizer will always look to understand a particular investment before they throw their hard-earned money into it. Today's episode focuses on not only the black-and-white definition of private equity, but also the different types you might encounter AND what you need to know before you dive into this type of investment strategy. Tune in to C...2022-11-0726 minCAPitalize Your FinancesCAPitalize On a Richer, Wiser, Happier Life – Inspired by financial author William GreenOne of the best things I did this year was read "Richer, Wiser, Happier" by William Green. This man has interviewed some of the best minds in finance today -- much like I've done here on CAPitalize Your Finances!One of the things that struck me in reading this book was that happiness does not come from constantly wanting more. He found that no matter what goals you're pursuing in your own life, you must first ask yourself this question: "Am I truly living richer, wiser, and happier?" I wanted to get the word from the legend himse...2022-10-2430 minCAPitalize Your FinancesCAPitalize on RecessionsEconomic cycles are a given: the economy grows, then slows, and then grows again. Some call it the "economic pendulum," but that term is misleading -- a pendulum swings with regularity, whereas the economic swings happen seemingly at random, with little to no warning. With that out of our control, we focus on what we CAN control: our reactions. CAPitalizers know that when opportunity presents itself, we try to take full advantage. And economic recessions do, believe it or not, offer us opportunities... and tons of them.How can you try to CAPitalize on recessions? Get t...2022-10-1048 minCAPitalize Your FinancesCAPitalize on Interest Rates Rising (and Falling)After nearly 15 years of historically low levels, interest rates have begun to come back up this year. In response to inflationary pressures, the Federal Reserve has announced interest rate hikes across the board and has signaled that there may be more to come. But just as there are ways to CAPitalize on Inflation (as I covered in my last episode), there are also ways to use higher interest rates to your advantage...many ways. Specifically, there are certain types of investments that actually create potential benefits from an environment like this. What are your options...2022-09-2640 minCAPitalize Your FinancesCApitalize On InflationLet's face it: Inflation sucks. You probably don’t need me to tell you this, but worldwide inflation has returned. As the shock of Covid supply lines continues to reverberate, people have had to deal with inflationary pressures that we haven’t seen since the early 1980s. While nobody likes rising prices (and for good reason), there are ways to cope with it – and even CAPitalize on it! In today’s episode, I’ll give you some hints and strategies on what you can do to potentially lessen the impact of inflation, and avoid being on the wrong si...2022-09-1229 minCAPitalize Your FinancesCAPitalize on Your Financial Mindset Fix with Joyce MarterCAPitalizers! This episode I am coming at you with something completely different! On today’s episode, we’re going to speak with Joyce Marter, the author of the international financial gem of a read, The Financial Mindset Fix. Joyce is a licensed psychotherapist with a lovely little niche in finance. She also happens to be a national keynote speaker, corporate coach and successful entrepreneur that successfully sold her national therapy business for 8 figures, so it's safe to say she knows her stuff!What makes today’s episode different, and why are we talking about this? Unlike most episodes...2022-08-2937 minCAPitalize Your FinancesCAPitalize Your Warren Buffet Portfolio with Robert HagstromTo become smarter, you need to hang out with really smart people. That's why I'm so excited this week to bring you my special guest, legendary investor and award-winning New York Times best-selling author of "The Warren Buffett Way," Robert G. Hagstrom.Investing is complicated. Sometimes you don't know if you've made the right decision until long after it's too late. This is what makes people like Warren Buffet so interesting, because you have the opportunity to use them as a kind of model of what could potentially be a much more successful investment strategy.On...2022-08-1547 minCAPitalize Your FinancesCAPitalize On How To Read A Financial Report (Statement) with Tage TracyWhen you’re considering buying shares of a company, one of the things a good CAPitalizer will look at is the financial statements. This is especially helpful when you want to know what their true financial situation is.But doing that can be really difficult. But have no fear, because of course – I'm here to help! On this week’s program, my guest is Tage Tracy, author of How to Read a Financial Report. We’re talking things like a balance sheet, an income statement, and a cash flow statement. Why are they important? How do you go abo...2022-08-0147 minCAPitalize Your FinancesCAPitalize Your Blue Collar Business with Jim VinoskiIn our tech-heavy world, one where fortunes seem to be made mostly by people whose days are filled with bites and bytes, one of the less-heralded types of business in the 21st century is manufacturing -- also known as "blue collar" work.And while they don't make big headlines, blue-collar businesses are the backbone of our economy. There are opportunities to be had in these types of businesses, especially for those who look at themselves as a hands-on, build-it-yourself kind of person. A good CAPitalizer will not ignore any aspect of business, which is why I...2022-07-1828 minCAPitalize Your FinancesAre You “Will”ing?How do we set ourselves up financially so that our own future needs are taken care of? It's why we work, it's why we save, it's why we invest, and -- of course -- it's why we plan.But there's a future out there that, alas, doesn't include us. We won't be here forever. But members of your family, and anyone else you may care about, will continue to carry on, and it's for those people that we conclude the CAPitalize Your Finances Framework with an episode about Legacy Planning.I'm talking mainly about wills an...2022-07-0431 minCAPitalize Your FinancesCAPitalize Your LegacyWe're coming down the home stretch! Since Day 1, CAPitalize Your Finances has been all about a journey. Yes, we've talked money specifics, we've talked strategy, and we've take several deep dives into the various aspects of personal finance that affect virtually everyone at one time or another. But along with all of that, we've also traveled, you and I, through the labyrinth of what it means to be a CAPitalizer.The common message through each episode has focused on you helping you. In other words, what steps might you take to improve your financial situation and ultimately reac...2022-06-2015 minCAPitalize Your FinancesLet's See Some CAPitalized ExamplesCAPitalizers: It's time to get real! It's been my experience that using real-world examples is one of the most effective tools to help people understand the sometime less-than-concrete concepts of financial planning. In this episode, I take three hypothetical couples and apply some real numbers to their current financial situations. I'll design a strategy for each of them, and I'll explain WHY I'm taking each step along the way. This will give you a really good sense of how it's done.Did you ever wonder how a CAPitalized plan is put into place? Have a liste...2022-06-061h 02CAPitalize Your FinancesCAPitalize Your GuaranteesMost everyone loves a good guarantee, right? This is especially true where retirement income is concerned. The more guaranteed income you have, the less pressure there is on your portfolio to perform.There are several options available to you when you're considering some type of guaranteed income. The questions is this: who is making the guarantees? And what are the conditions you have to fulfill in order to get them?This week I take a deep dive straight into the different options you may want to consider. Where might annuities fit into your plan (if at al...2022-05-2335 minCAPitalize Your FinancesCAPitalize Your IncomeIncome in retirement – what a concept! Actually, it’s more than a concept, it’s a vital part of life, whether you’re retired or not. You won't live a very good life without some kind of income. The more predictable and stable that income, the better. As I said in my previous podcast, having and maintaining an income is a lot easier to do if you’ve got a process – a strategy – behind it. This week, I’ll give you the details on that process, using actual (hypothetical) numbers to help illustrate how this income strategy works. Believe...2022-05-0926 minCAPitalize Your FinancesCAPitalize Your RetirementHuman beings have two distinct methods of thinking: the rational and the emotional. When it comes to finances, you're more likely better served by listening to the rational side; but the reality is that most people seem to make decisions based on the emotional side.This can be a real detriment to retirement savings. Jumping out of the markets after they've already dropped is a common reaction to fear, but quite frankly, it's probably the wrong move to make. So how do you dodge the emotional reactions and listen instead to the rational part of your psyche?2022-04-2527 minCAPitalize Your FinancesWhat Are Short Term Investments and How Do You Pick Them?One of the most important things that CAPitalizers learn early on is that short-term financial needs must be matched to short-term financial assets. If you need your money to be there for you tomorrow, next month, or next year, you want it exposed to as little risk as possible.Short-term investments are designed to trade rate of return for relative safety. But what exactly is a short-term investment? And how do you decide which one may be suitable for you?Savings accounts, Money Markets, CDs, bonds -- these are just some of the many choices you...2022-04-1128 minCAPitalize Your FinancesCAPitalize Your Real Estate – Interview With Jason GandyThe common components of many investment portfolios are stocks, bonds and cash. And that's fine, in many cases. But sometimes, a little more is needed: what we often call "alternative investments."One of those alternative investments may involve real estate. As CAPitalizers, we understand the importance of knowing what our options are, how they work, and how to determine if they're suitable for us or not. So how do we make that happen?Enter my special guest today, Jason Gandy, head of acquisitions at the real estate development firm Sealy & Company. What does Jason look for w...2022-03-2844 minCAPitalize Your FinancesCAPitalize Your Stocks – Interview With Atticus Lowe (Part 2)Part 2 of my fascinating interview with Atticus Lowe, co-manager and co-asset manager at 15 Equity, and author of “The Entrepreneurial Investor,” an investment book that I think all CAPitalizers should read. In today's conversation, Atticus will talk about what he looks for when evaluating which company stocks (and what types of businesses) he would like to buy. Are things like a company's P/E ratio one of the main determinants, or do you have to look a bit deeper to see what's really going on? What about cash flow? All important questions, and we talk about this...2022-03-1445 minCAPitalize Your FinancesCAPitalize Your Stocks – Interview With Atticus Lowe (Part 1)Stocks, like them or not, are an integral part of most long-term investment strategies. As CAPitalizers, it’s important to know what role they play, and why you need to consider them when planning for your financial future. Of course, choosing which stocks or funds you should own is not an easy task. How this is done – both qualitatively and quantitatively – is a specialty all its own. My special guest for today, Atticus Lowe, is the co-manager and co-asset manager at 15 Equity and the author of “The Entrepreneurial Investor.” This is something he does every day. What is his...2022-02-2838 minCAPitalize Your FinancesCAPitalize Your Long-Term InvestmentsWhen it comes to investing, you've got many choices -- perhaps TOO many! How do you make sense of what types of investments are out there, and, more importantly, how do you decide which of these may be appropriate for you? For the long-term investor (one with at least a 10-year time horizon), trying to sort through all of the options is a daunting task. You want to make the right decisions, but your brain is turning to mush when figuring out which tools may provide you with the most success. Fear not -- the CAP...2022-02-1442 minCAPitalize Your FinancesCAPitalize Your InvestmentsThis may or may not come as a surprise to some people, but there's more to investing than just putting money into stocks -- a LOT more. Even combining just the simple, conventional "Stocks and Bonds" portfolio may not be enough to get you where you want to go.It took the Big Crash of 2008 for me in the early days of my career to learn that the successful investors used more than just stocks, or stocks and bonds, when working on building their nest eggs. And while not everyone needs to have a huge variety of in...2022-01-3118 minCAPitalize Your FinancesCAPitalize Your Child's Financial FutureIf you're a parent, you want to see your child succeed. And if you're a brand new parent, you want to start your child off right, most likely from Day 1. Good idea! And yes - that includes getting them started on their own finances.This doesn't necessarily mean you're going to hand them a bunch of money before they can handle it. But it does mean that you should be teaching them (through word and by example) how they may be able to become financially independent.What avenues are available to parents who want to set...2022-01-1827 minCAPitalize Your FinancesCAPitalize on What Money Goes WhereDo you have a retirement plan at work? Speaking here about a 401k, 403b, or a 457 plan for governmental and certain nongovernmental employers. If so, you've got an opportunity to do some real saving here!What about Roth or traditional IRAs? Where do those come in? After all, those are types of personal retirement savings plans, and with a finite amount of money to put away each month, you might be confused about where your funds may be the most effective.In this week's episode of CAPitalize Your Finances, I talk what you need to cons...2022-01-0321 minCAPitalize Your FinancesCAPitalize Your "Gap" MoneyIf you have money left over after your expenses are taken care of, what should you do with it? This is what we call "gap" money, and where that money ultimately goes may be crucial to your financial success. Before you go off and spend your extra cash on riotous living, you need to ask yourself several (or dozens) of questions first. What are your options at this point?Tune in to this week's episode as I go over the many possible avenues for this money, and what you should be thinking about first.2021-12-2015 minCAPitalize Your FinancesCAPitalize Your Cash FlowI recently read a few online surveys regarding savings and investing, which I found to be rather astonishing. The general tone of them all seems to suggest that far too many Americans have no household budget, and some have absolutely nothing saved for retirement!What's also interesting (and pleasantly surprising) is that the average American also seems to have a rather large amount of free cash flow each month. Whether you have a lot or a little doesn't necessarily matter; what matters is what you do with it.In this week's episode, I talk about wh...2021-12-0613 minCAPitalize Your FinancesCAPitalize Tomorrow's FinancesOne of the more exciting aspects of financial planning is setting yourself up for the future. While making and sticking to monthly budgets may be a bit boring (although necessary), learning to invest your money for the future, and knowing there is potential for it to grow (maybe a LOT!), can make things really interesting and exciting.Today's podcast talks about how you can CAPitalize tomorrow's finances, and, with luck, set yourself up for a comfortable and fulfilling retirement. Today we start the journey toward tomorrow! Have a listen and find out what the next steps will be...2021-11-2217 minCAPitalize Your FinancesCAPitalize Your Debt RateOn the last episode, I talked about the differences between "good" and "bad" debt. And yes, there are differences: major ones! To follow up on that, this week's podcast is devoted to CAPitalizing your debt RATE. This is because there's a big difference between what you owe, and how much interest you have to pay on what you owe. Finance is all about the little things, and this is why we strategize and plan together. Have a listen to this week's episode and find out exactly how to CAPitalize your debt rate!2021-11-0818 minCAPitalize Your FinancesCAPitalize Good and Bad DebtFor those who are accustomed to hearing that all debt is bad, when they're told that there is actually such a thing as "good debt," they're often more than a little skeptical. This can be a hard concept for many people to understand.Believe it or not, there are strategic ways to utilize debt to your potential advantage. The key is to understand which debts are good, and which ones are bad. Knowing the difference between the two can make a big difference in your financial life.On this week's podcast, I'll tell you more abo...2021-10-2516 minCAPitalize Your FinancesCAPitalize Your DebtFor those who owe a lot of money to creditors, debt can seem like a really bad thing. And the bigger the debt, the worse the situation. And for those on the other side of the spectrum, those who are essentially debt-free, life can certainly seem a lot easier, at least financially speaking.There's no shortage of financial pundits who tell you how much better your life will be if you eliminate all of your debts. But is this really sound advice? Perhaps not. There may be some instances where debt can actually work in your favor.2021-10-1115 minCAPitalize Your FinancesCAPitalize Your SavingsPeople sometimes wonder if "Cash is King," or if "Cash is Trash." What if the answer is neither...or both? Something as simple as how much you need to have in savings truly depends on your individual situation -- and the variables are endless. Do you work for the government and have a steady income? Are you an owner of a company where your income fluctuates? Are you a dentist and perhaps struggle to understand how much cash to have in your personal savings and business account? On today's episode, I talk about how to...2021-09-2718 minCAPitalize Your FinancesCAPitalize Your ExpensesAn often-overlooked aspect of personal finance is how much you spend each month -- yet getting a grasp on it is "mission critical." For many people, talking about spending and expenses is embarrassing, overwhelming, and sometimes downright despicable. My question is this: why does it have to be that way?Wouldn't it be great if you could have someone to listen to, who can calmly and systematically break down "Expenses 101" so you could walk away and feel confident about everything there is to know regarding your spending habits and needs?Well, guess what: yo...2021-09-1314 minCAPitalize Your FinancesCAPitalize Your CashCash: is it good or is it bad? Here's a better question: How much is too much? Believe it or not, there is such thing as having too much cash! On today's Episode, "CAPitalize Your Cash," I take you through the good, bad and ugly in regards to this often-misunderstood asset. Cash is both valuable and useless -- so understanding the BALANCE is key. Tune in, and prepare to view cash in a totally different way!2021-08-3013 minCAPitalize Your FinancesCAPitalize Today before You CAPitalize TomorrowWhether putting their money in thrilling investments like stocks, real estate, private equity or other risky assets, people tend to get caught up on the excitement of TOMORROW. The problem, though, is this: what if you're not ready for TODAY? In this episode, "CAPitalize Today before you CAPitalize Tomorrow," I will talk about the tools you need -- things to do today -- that will work toward giving you a solid foundation before you get into the framework of future opportunities.Tune in and find out more!2021-08-1613 minCAPitalize Your FinancesWhat is Your Purpose?In the previous episode of my podcast, I told you about my personal experiences and how I got to where I am today. As we continue our journey toward becoming CAPitalizers, one vital question to ask yourself is this: what is your purpose? It's a bigger -- and broader -- question than it may seem. You may want to have a financial purpose, and that's great. But if you just dig a little bit and think more deeply, you'll discover that your purpose is actually everything.What do I mean by this? Have a listen to th...2021-08-0219 minCAPitalize Your FinancesHow I became a CAPitalizerWhy "CAPitalize?" And what does it mean?On today's podcast, as we kick off Season 2, I want to focus on my personal history for a moment. I'll give you my "back story," as they call it in the media biz, and how - and why - my life changed for the better just a few short years ago.To capitalize means to take the advantage when it presents itself. I struggled at an early age trying to figure out what my own personal strengths were. Once they were made clear to me, though, I began to s...2021-07-1922 minCAPitalize Your FinancesThe Creator of the 4% Withdrawal Rule - Interview with Bill BengenFor nearly 30 years, we've been referring to the guideline that taking 4% from your portfolio may be the most optimal amount to keep you from running out of money over an average retirement. Is this so-called "4% Rule" still valid in a time of high stock values and low interest rates? Or should it be revised higher -- or lower? -- to reflect more realistic scenarios? Chris Panagiotu, CFP® asked the creator of that rule, Bill Bengen, what his thoughts are on that rule, as well as what he thinks economic recessions and market recovery times will do to peop...2021-06-2832 minCAPitalize Your FinancesAre Annuities Good? Do You Actually Need Life Insurance? Interview with David Lau (Part 2)You may have heard that annuities are the greatest thing in finance. Or maybe you've heard that annuities aren't right for anyone at all. The truth, though, lies somewhere in the middle: Annuities may be completely suitable for one individual, while another should never consider owning one.In today's interview, Christoper Panagiotu, CFP® talks about the good and bad of annuities, and brings up the question of whether life insurance is actually needed -- or not -- in part 2 of our interview with David Lau, founder and CEO of DPL Financial Partners.Tune in and enj...2021-06-1428 minCAPitalize Your FinancesRetirement Got Harder, The Income Dilemma, and Interest Rates - Interview with David Lau (Part 1)For many retirees, it's all about the income. In fact, that's true for almost everyone who's either retired, or looking to retire in the near future. How do you supply yourself with enough income to last the rest of your life?On this week's podcast, host Christopher Panagiotu, CFP® speaks with David Lau, founder and Chief Executive Officer of DPL financial Partners about the challenges of creating lasting, stable income during an era of low interest rates. How do you manage when rates today are less than half of what they were just 20 or 25 years ago?...2021-05-3124 minCAPitalize Your FinancesIs It Really Possible to Retire Early? - Interview with Colin Slabach (Part 2)In this week's episode of CAPitalize, host Christopher A. Panagiotu, CFP®, CRPS®, continues his interview with Colin Slabach, assistant professor and assistant director of the New York Life Center for Retirement Income at the American College of Financial Services.What does it take to retire early? Is that even possible? And what can everyone learn from women when it comes to finance and investing? This - and much more - on today's episode of CAPitalize, the podcast for the intelligent investor!2021-05-1723 minCAPitalize Your FinancesBitcoin, Bias, and Millennials - Interview with Colin Slabach (Part 1)Part 1 of our interview with Colin Slabach, assistant professor of retirement. Today's topics are many and varied:Bitcoin - what are the red flags when considering an investment in Bitcoin, and in cryptocurrency in general?Bias in investing - Recency Bias and Confirmation Bias are everywhere. What does this mean in the world of investing?Millennials and money - what the younger set of investors should consider for their future.All that, and much more, on today's episode of CAPitalize, the podcast for the intelligent investor!2021-05-0322 minCAPitalize Your FinancesAdvice for Those Who Want Financial Success - Interview with Craig IsraelsenWhat's the most important piece of advice for those that want financial success? As we continue the interview with Craig Israelsen, founder of the “Seven-12 portfolio," our own Christopher Panagiotu, CFP®, CRPS® talks about what Craig would say to those who have a vested interest in achieving their own financial goals. What is low correlation? Why is it valuable? Educating you on the important topics of the day - and more - on this week's edition of CAPitalize, the podcast for the intelligent investor!2021-04-1931 minCAPitalize Your FinancesAre Stocks, Mutual Funds or ETFs Good? - Interview with Craig IsraelsenWhat are the best steps for people to take to learn how to invest? And - do you like salsa? If so, this episode is for you!In finance, as in many other fields, knowledge is power. And when you’re speaking with someone in academics, it’s an almost sure bet that you’re going to get answers to questions you have, while at the same time learning some valuable lessons. In this episode of CAPitalize, Christopher Panagiotu, CFP®, CRPS®, speaks with Professor Craig Israelsen, founder of the “Seven-12 portfolio". We answer questions that need to be asked, includi...2021-04-0530 minCAPitalize Your FinancesDoes it make sense to diversify? Interview with Michael EdesessIs asset allocation as a strategy a good idea, or is it an exercise in futility? What about annuities?Christopher Panagiotu, CFP®, CRPS®, continues his interview with Michael Edesess, Chief Investment Strategist with Compendium Finance. This section gets even deeper into the topic of diversification, as well as Warren Buffett’s style of investing, and Michael’s opinions on both asset allocation and whether annuities could be a good idea to include in someone’s portfolio.2021-03-2226 minCAPitalize Your FinancesAre Stocks Risky? Interview with Michael EdesessDoes rebalancing one’s portfolio actually reduce risk? Is there any value in benchmarking investments?Financial advisor Christopher Panagiotu, CFP®, CRPS®, speaks with Michael Edesess, Chief Investment Strategist of Compendium Finance about the idea of rebalancing, and why it may not be everything that people in the financial services industry often say it is. They also discuss Michael’s views on buy-and-hold investing, passive investing, whether diversification makes sense these days, as well as his opinion on just how risky stocks actually are.2021-03-0828 minCAPitalize Your FinancesHow much can you actually spend in retirement? Interview with Dr. Wade PfauDo you really spend more in retirement as time goes on? What should your asset allocation look like before and after you retire? We continue our interview with Dr. Wade Pfau, Ph.D., CFA, RICP®, following up on our previous discussion. Today, host Chris Panagiotu, CFP®, CRPS®, will speak with Dr. Pfau about the conventional planning perspective regarding retirement spending, and whether or not retirees tend to spend more - or less - as they get older. The answer may surprise you. Find out more on Part Two of this edition of CAPitalize, a podcast for the intellige...2021-02-2223 minCAPitalize Your FinancesHow can you potentially increase your income in retirement? Interview with Dr. Wade PfauCan you increase your retirement income AND your legacy for your heirs? Is it the right time to look into buying an annuity?On today’s podcast, Chris Panagiotu, CFP®, CRPS®, is joined by Dr. Wade Pfau, Ph.D., CFA, RICP®, host of the Retirement Researcher Blog, monthly columnist for Advisor Perspectives, and all-around smart guy. Chris will get into the reasons why Dr. Pfau believes that bonds may not belong in a portfolio, and why right now may - or may not - be a good time to look into annuities. Lots to talk about on Part One of...2021-02-0824 minCAPitalize Your FinancesIs flexibility the key to a successful retirement? Interview with Dr. Michael FinkeAre we in a risky time in the market? What does the CAPE ratio mean and why is it valuable?Part 2 of our discussion with Dr. Michael Finke, Ph.D., CFP®, professor of wealth management and director of the Grantham Center for Financial Security. Host Chris Panagiotu, CFP®, CRPS®, speaks with Dr. Finke about risk, and more specifically, why it's important to know what risks you may be willing to take in your investments. Get more details on Part Two of this edition of CAPitalize, a podcast for the intelligent investor!2021-01-2828 minCAPitalize Your FinancesCan you take as much from your portfolio in retirement as you think? Interview with Dr. Michael FinkeIt was commonly thought at one time that you could confidently take 4% of your portfolio each year in retirement and you’d be okay. Is that still true today? And what about fixed income? Are you putting yourself at risk with bonds?Chris Panagiotu, CFP®, CRPS®, is joined on today’s podcast by Dr. Michael Finke, Ph.D., CFP®, professor of wealth management and director of the Grantham Center for financial Security. Chris and Dr. Finke have a lot to discuss, including today’s historically low bond yields, and why Dr. Finke believes that lower rates of return across...2021-01-2831 minCAPitalize Your FinancesAre you doing the right thing to retire successfully? Interview with Dr. David BlanchettIt was quite a ride in 2020. But regardless of where the markets are now, or have been, the financial goals for many people likely remain the same: enjoy retirement to the fullest, and don’t run out of money, before they run out of time.Of course, there are no guarantees that every one of your goals will be realized; life just doesn’t work that way. The key is to set yourself up so that the potential for success is there — and to enlist the help of someone who works toward making it happen.What are...2021-01-2728 min