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Money Matters

Money Matters with Al & Mike

09/20/25 Social Security Part 3 

03/28/26 Money Matters 

Mike and Al walk through how to handle drawdowns and choppy periods without abandoning a long-term plan, emphasizing risk tolerance, time horizon, and a written investment policy. They highlight tactics like disciplined rebalancing, dollar-cost averaging, and maintaining a cash/short-term bond buffer to avoid selling equities at lows. Tax-loss harvesting and tightening fees are presented as “control what you can control” levers when returns are scarce. The core message: stick to process over predictions, so temporary volatility doesn’t derail lifetime goals.

<p>Mike and Al walk through how to handle drawdowns and choppy periods without abandoning a long-term plan, emphasizing risk tolerance, time horizon, and a written investment policy. They highlight tactics like disciplined rebalancing, dollar-cost averaging, and maintaining a cash/short-term bond buffer to avoid selling equities at lows. Tax-loss harvesting and tightening fees are presented as &ldquo;control what you can control&rdquo; levers when returns are scarce. The core message: stick to process over predictions, so temporary volatility doesn&rsquo;t derail lifetime goals.</p>

03/21/26 When Markets Do Not Cooperate

Mike and Al lays out a checklist for evaluating your advisor - fiduciary duty vs. suitability, fee transparency, and potential conflicts like commissions or proprietary products. They stress planning-first advice, consistent communication (reviews, clear action items), and evidence-based investing rather than performance-chasing. Credentials (e.g., CFP®), a documented investment policy, and a retirement-income plan that accounts for taxes and inflation are highlighted as green flags. Red flags include opaque fees, one-size-fits-all portfolios, and advisors who can’t explain risk in plain English.

<p>Mike and Al lays out a checklist for evaluating your advisor - fiduciary duty vs. suitability, fee transparency, and potential conflicts like commissions or proprietary products. They stress planning-first advice, consistent communication (reviews, clear action items), and evidence-based investing rather than performance-chasing. Credentials (e.g., CFP&reg;), a documented investment policy, and a retirement-income plan that accounts for taxes and inflation are highlighted as green flags. Red flags include opaque fees, one-size-fits-all portfolios, and advisors who can&rsquo;t explain risk in plain English.</p>

09/20/25 Social Security Part 3

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Money Matters with Al & Mike

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