In this episode we are sitting down with Rick White to talk all about the science of risk vs. return. Rick is definitely the perfect person to help us tackle this topic because he is a seasoned pro in tax planning and asset coaching for business owners and is the President of both Patriot Business Consultants and Triangle Adult Learning Center. He will provide listeners with a structured way of thinking about risk versus return. We all get the basic idea that when it comes to risk vs. return,...

Join us as we sit down this week with Jeffrey Bettermann, President and CEO of Thorngate Financial. Jeff brings more than twenty years of experience in retirement income planning, and he also brings a nuanced perspective to the annuity debate which is our main topic of discussion this week. We discuss the polarization within the industry, where some advisors criticize annuities while others emphasize their importance. Together, we navigate the complex landscape of annuities, shedding light on...

Welcome back to the second part of our conversation with Artie Green, Certified Financial Planner and founder of Cognizant Wealth Advisors, continuing our discussion from last episode on unraveling the complexities of investing when the future is unpredictable. Today we continue the conversation on managing risk effectively. Artie shares insights derived from the renowned economist Harry Markowitz's modern portfolio theory. He emphasizes the power of diversification, explaining how spreading...

In this episode of Finance Lab, we discuss how to invest when you can’t predict the future. We are excited to bring you the first part of this insightful conversation with Artie Green, a Certified Financial Planner and founder of Cognizant Wealth Advisors. Embedded in the episode title is a presumption that investors cannot predict the future. If you don’t agree with that premise, we’re here to tell you that you should and it’s in your best interest to understand and accept the fact that you...

Welcome back to Finance Lab, we are thrilled to bring you this crucial episode centered around a topic that holds immense significance for many professionals, particularly those in the tech industry. Today, we're diving deep into the world of company stock ownership. Kevin Caldwell joins Finance Lab to discuss the topic of investing in company stock, specifically restricted stock units (RSUs). We explore the balance between the substantial rewards and risks associated with company ownership,...

In this special edition of Finance Lab, especially for financial professionals, we explore the intricate world of ERISA and what advisors need to know when advising on 401(k) assets held away. If you’re a financial advisor, particularly if you’re not an ERISA specialist, this episode is for you! There is a tremendous opportunity to provide added value to clients, but it comes with some risk if it’s not done properly. Our guest this week, Kevin Clark, the CEO and co-founder of Plan Confidence...

Welcome back to Finance Lab as we delve today into a critical issue plaguing the country: the Retirement Crisis in America. The goal for most working Americans is simple – to fund their retirement and avoid running out of money, yet the harsh reality is that a significant portion of Americans are not on track to meet this fundamental need. This problem is not just individual—it is societal, and our guest today, Dwight Rich, President and Owner of Rich Wealth Management LLC and a seasoned...

In the latest episode, Troy Sharpe of Oak Harvest Financial Group and Cory Clark discuss how he guides clients into building a Retirement Success Plan that plans the transition from asset accumulation to asset distribution. Troy shares what he calls the "light bulb moment," when clients realize the gravity of how consequential retirement distribution decisions are, and he shares his unique Retirement Success plan, breaking it down into five crucial steps. After defining what retirement...

Investor behavior is a topic near and dear to our hearts; DALBAR’s key yearly study researches its impacts on investor returns. Investor behavior is becoming more and more important, especially as investment technology changes. Today’s guests, John Soutsos and Alexander Soutsos of Med-Wealth Financial Services will explore five common behavioral mistakes and mitigation techniques to ensure higher returns: familiarity bias, recency bias, endowment bias, inertia or status quo bias, and regret...

Welcome to Finance Lab with your host, Cory Clark, Chief Marketing Officer at DALBAR! Join us in this episode as we dive into the often-overlooked distribution part of retirement savings with expert guest Andy Paladino, founder of Paladino Financial Group. The distribution phase of retirement can sometimes be overshadowed by the accumulation phase, but our guest explores the various risks involved with planning for it. Listen in to get tips on what to focus on, from sequence of returns to...

In this episode of Finance Lab, Lesley Batson, Founder and Chief Wealth Strategist at Rebel Rock Wealth, a wealth strategy firm for independent thinkers, discusses how six fundamental financial considerations can potentially destroy wealth and how to avoid them. The first two considerations may surprise you – Lesley’s method, highlighted in her writings and practice, entreats investors to first look inward and consider their knowledge and mindset and to reflect on all aspects of personal...

In this episode of Finance Lab, host Cory Clark sits down with Louis Harvey, CEO of Dalbar, to discuss the importance of cash in financial planning. Louis challenges the commonly used rule of thumb among investors, emphasizing the need for a prudent asset allocation strategy. He introduces his paper on the topic and explains how having a spending portfolio can give investors the freedom to make decisions, both good and bad. They delve into the concept of investor behavior and its impact on...