With the rising cost of living, can young adults cover essentials like rent, food, and bills without relying on parental support? In this episode, we dive into the financial independence of young adults in today's challenging economic climate and compare it to previous generations. The conversation also sheds light on the reality of low starting wages in certain fields—such as teaching—especially in places like Idaho, where financial struggles can be more pronounced. We discuss various strategies parents are using to help their children through this transition period, from keeping them on family plans to offering direct financial assistance for major expenses like buying a home. Is it necessary for today’s parents to support their children when they first leave the house? Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

How much do you tip the waiter when they ask? On Saturday, we dove into the complexities of taxation for tipped employees, exploring whether tips should be taxed and how it impacts Social Security, FICA, and eligibility for tax credits and public assistance. We also discuss the potential benefits of investing in Opportunity Zones, areas designated for economic development that offer unique tax advantages for those looking to revitalize communities. Our conversation then shifts to wealth-building strategies, unpacking how the wealthy leverage tools like Delaware Statutory Trusts (DSTs), Opportunity Zones, and 1031 exchanges to grow their wealth while minimizing taxes. Finally, we offer financial planning advice for young adults, focusing on the importance of starting early with a Roth IRA, building strong savings habits, and the value of mentorship in financial literacy. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Alexandra Lundgren ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this episode, we dive into the complexities of market volatility and its impact on retirement planning, particularly for those approaching retirement. We discuss the recent market sell-off, its global roots, and the implications for the 401(k) accounts of those nearing retirement. You'll learn about the carry trade strategy and how it influences currency exchange rates and interest rates, contributing to recent market movements. Our hosts offer practical advice on adjusting your investment strategy, emphasizing small, strategic reallocations over emotional, large-scale changes. We also explore the importance of risk assessment tools like Nitrogen (formerly Riskalyze) to ensure your portfolio aligns with your retirement timeline and goals. Want a free portfolio analysis through Apollon Wealth Management? Reach out to us using the link below! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Jeremiah Bates runs solo to break down asset allocation vs. asset location: diversification vs. location. He also compares Roth IRAs and traditional IRAs, focusing on tax advantages and when to use each, including backdoor Roth IRA strategies for high-income earners. Tackling market volatility, he discusses the stock market's unpredictable nature and emphasizes long-term strategies. Plus, we analyze Intel's recent stock performance, broader market trends, and the impact of Federal Reserve policies on interest rates and asset classes… Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

We dive into the recent market volatility influenced by key economic indicators like jobs reports, leading to a shift from equities to bonds. We also discuss various investment strategies, emphasizing the importance of a balanced portfolio, the potential risks in tech stocks, and the nuances of speculative trading with options. We also explore how the upcoming presidential election could impact the markets, with a focus on sectors like defense, energy, and healthcare. Intel's recent challenges, including a significant stock drop, layoffs, and dividend suspension, are analyzed, along with its long-term prospects in the AI and chip industry. How to maintain your long-term investment strategies despite market fluctuations and introducing the "bucket system" for asset allocation. Dividing assets into cash, income, and growth buckets can help manage risk and align with your financial goals. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Jeremiah Bates, Ben Barzideh ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Recent GDP data shows higher-than-expected growth driven by robust consumer spending, suggesting a healthy economy… But does your personal finances feel the same way? Our discussion also covers the Federal Reserve's potential interest rate cuts amid moderating inflation and strong GDP growth, and their implications for the economy and stock market. We also talk about the importance of planning, understanding market volatility, and the differences between income-focused and growth-focused portfolios. Finally, we touch on estate planning topics such as the step-up in basis, required minimum distributions (RMDs), and the fairness of estate taxes. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In the second hour of last Saturday's show, Brian Wiley and guest Matt Nadeau, an advisor with Piershale Financial Group of Apollon, tackled retirement planning and tax management for small business owners. Brian criticized the uneven retirement savings options between large and small businesses, advocating for uniform deferral limits. They highlighted the need for a team of professionals, including financial and tax advisors, to navigate complex financial issues. The discussion also covered the benefits of Health Savings Accounts (HSAs) for tax advantages and medical expense flexibility and more! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Matt Nadeau, Wealth Management Advisor https://www.piershalefinancial.com ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this episode, Jeremiah Bates is joined by Ben Barzideh, a Wealth Management Advisor with Piershale Financial Group of Apollon. They discuss the recent CrowdStrike cybersecurity incident that occurred last Friday and its significant impacts on industries and the stock market. They emphasize the importance of diversification in investment portfolios to mitigate risks of over-concentration. Practical advice is offered for business owners and investors on protecting themselves through insurance and strategic diversification. Additionally, Jeremiah and Ben highlight the importance of early tax planning with a CPA, especially for small business owners. Guidance on setting up retirement plans, such as 401(k) and Simple IRA, is provided, detailing their administrative requirements and benefits. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates, Wealth Management Advisor Ben Barzideh, Wealth Management Advisor ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Jeremiah and Nic explore crucial aspects of financial planning and retirement readiness. We emphasized the necessity of open dialogue about money matters and ensuring that financial decisions align with personal goals and needs. Our discussion covered diverse income sources for retirement, managing expenses within budget constraints, and addressing the emotional aspects of transitioning into retirement. We also delved into the pivotal role of financial advisors in guiding clients through financial behaviors, risk management strategies, and estate planning. We stressed the importance of categorizing expenses into essentials, wants, and wishes in retirement planning, prioritizing non-negotiable needs such as healthcare and utilities. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates, Financial Advisor Nic Daniels, Financial Advisor ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this episode, Jeremiah and attorney Steve Rausch emphasize the significance of estate planning and the benefits of using trusts to manage assets, maintain control, and minimize tax implications. They compare the tax implications of gifting property versus transferring through an estate plan, stressing the importance of understanding cost basis and capital gains taxes. They touch on some anticipated tax law changes, especially the potential sunsetting of the Tax Cuts and Jobs Act, highlighting the need for proactive financial planning. Additionally, they cover the importance of long-term care planning and appropriate insurance policies, noting rising costs and the need to prepare in other ways besides just insurance. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates, Financial Advisor Steven Rausch, Attorney ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

We are joined by Shahar Plinner, the CEO and founder of Formations, to delve into essential tax planning and business structuring strategies for small business owners. We discuss the significant benefits of transitioning to an S corporation, including reduced self-employment taxes and simplified financial management. Learn how Formations offers comprehensive services like legal entity setup, payroll management, and tax filing while still providing personal expert advice. We'll also discuss the crucial need for professional financial guidance for the self-employed and address common misconceptions about its cost. Maximize your business's tax savings! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Guest: Shahar Plinner, CEO/Founder of Formations Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this episode of The Real Money Pros, host Brian Wiley and attorney Steve Rausch from Gravis Law explore key topics in estate planning and asset protection. Steve explains the differences between wills, which go through probate, and trusts, which can avoid probate if properly set up. They discuss the importance of titling accounts and designating beneficiaries to avoid probate, focusing on transfer on death (TOD) and pay on death (POD) designations, and joint accounts. Steve also covers how state laws affect asset ownership and distribution, especially in divorce and estate planning contexts. Learn how to efficiently protect your assets and get it right the first time. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Steven Rausch, Attorney, Gravis Law ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros ————————————————————

Brian and Jeremiah are back live to discuss recent market movements, emphasizing the Federal Reserve's efforts to manage inflation and the impact of the latest PCE data on interest rates. They cover various investment strategies, recommending dividend-paying stocks over conservative options like CDs, and critically examining fixed and indexed annuities, noting their complexities and potential downsides. Additionally, they explain strategies for accessing retirement funds early without penalties, including IRS rule 72(t) for IRAs, age rules for 401(k) and 457 plans, and utilizing Roth IRA contributions. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this episode, Brian Wiley rides solo and provides essential financial advice on generating income for retirement through a three-bucket strategy: cash for immediate needs, income for consistent revenue streams, and growth for long-term investments. The discussion includes tips on avoiding emotional investing, the benefits of index funds, and the pitfalls of high-yield investments and gold. Additionally, Brian talks about the risks (and opportunities) of investing in distressed stocks, emphasizing diversification and professional guidance when needed. He covers tax-saving strategies for self-employed individuals, including the advantages of structuring businesses as LLCs or S-Corps to maximize dividend distributions. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com/daveperry Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Happy Mother’s Day! In this weekend’s discussion, Brian Wiley and Jeremiah Bates highlight the critical role of life insurance in providing a safety net for loved ones during challenging times. They give tips for calculating the ideal coverage amount based on factors like income, lifestyle, and future financial needs. Additionally, they guys explore the advantages of trust-based planning in estate management and discuss how trusts offer greater asset protection and flexibility compared to traditional wills. Let’s make sure our families are taken care of if we suddenly aren’t here to do it ourselves. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Who's ready to retire? Most of us are ready mentally, but how about financially? Jeremiah Bates and Alex Lundgren share real-life client stories about individuals who didn't believe they were prepared for retirement, only to discover they were, and vice versa. The easiest way to set yourself up for that next step? Prepare an in-depth plan. They also delve into the strategy of Roth conversions and how their clients utilize them to minimize taxes and free up extra funds in retirement. Jeremiah and Alex explore methods to access your home's equity by utilizing HELOCs and reverse mortgages to supplement any necessary cash flow for your post-working years. They also discuss proper strategies for exiting rental properties, including 1031 exchanges, Delaware Statutory Trusts, and more. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates, Financial Advisor Alex Lundgren, RSSA®, AIF®, Financial Advisor ————————————————————— SPONSORS: Guild Mortgage: https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&utm_medium=description&utm_campaign=sponsor Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Jeremiah, Brian, and Steve Cilley navigate through economic trends and financial strategies. Contrary to past recession predictions, they discuss the importance of anchoring financial plans to personal goals, urging listeners not to let politics dictate their approach. Unraveling the true essence of portfolio rebalancing, the hosts delve into its strategic nuances. The episode sparks debates on Basic Universal Income, higher minimum wages, and the intricacies of S.A.L.T. taxes. Exploring the complexities of tax codes, they question the necessity of convoluted structures and offer valuable tax strategies related to Health Savings Accounts (HSAs). Today's lesson: TAKE ACTION! Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates, Financial Advisor Brian Wiley, Financial Advisor Steve Cilley, CEO of Ataraxis PEO
 ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

In this episode, Jeremiah covers key economic topics like inflation moderation and interest rate policies, exploring their impact on investor sentiment. We also discuss the emotional aspects of selling a business and the growing influence of Artificial Intelligence in the restaurant industry. What industry is under attack next? We provide practical insights into incorporating rental properties into Individual Retirement Accounts (IRAs) using self-directed IRAs. Plus, Jeremiah addresses the pros and cons of converting a traditional IRA to a Roth IRA, emphasizing that a Roth isn't always the one-size-fits-all solution. And much more! Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates, Financial Advisor
 ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The passengers aboard the Boeing airplane that had its door blow out during mid-flight are trying to sue the manufacturing company. Is it justified? Serial entrepreneur Steve Cilley sits with Brian and Jeremiah to talk about how he would approach the situation as a business owner. How do you retain customers after something like that? Now that crypto spot ETFs are widely available, have you picked any of them up? Do you trust it? Why would you even want to own it? Maybe cryptocurrencies aren’t the fad we once thought. Among listener submissions, the trio clears the misconceptions surrounding gift tax and how it’s not actually a “tax.” Plus, is it even viable to tax the wealthiest people on their unrealized gains within their investments? All of that in these two hours! Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Steve Cilley, CEO, Ataraxis PEO
 ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

If you could go back in time and change your path in life, would you? The big news this week was the approval of Crypto Spot ETFs, allowing the masses to actually own cryptocurrencies like Bitcoin without having to open crypto-specific accounts. Now that it's going to be more accessible, is it appropriate for your long-term portfolio? Brian and Nic explain why your advisor might not even offer them to you (for now). Plus, listener submissions and much more. Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Nic Daniels, BFA™, Financial Advisor ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

WE ARE LIVE AGAIN, BABY! Happy New Year to everyone, and we hope you're as happy to have us back doing the show live as we are. Jeremiah and Brian start by talking about Boeing's most recent incident and the potential implications that could create for its stock. They discuss paying professionals for services, TSP rollovers, A.I., and much more. If you've ever thought of starting a business, what has prevented you from just getting started? Brian brings up what it's like to be a business owner when it comes time to let go of your identity... (Also, the audio fixes itself at 00:01:32... Sorry.) Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Every end of the year, we give our personal predictions for 2024; Everything from sector performance, real estate, and more. Plus, we review our last year's predictions! What did we get right and what did we get wrong? Let's just say Brian's pessimism of home builder stocks in 2023 was greatly proven wrong... Will crypto and tech rule 2024? Tax planning for the new year starts NOW! With new legislation, we can expect to see a rise in tax rates, so it's imperative that we start to plan for those increases as soon as we can. Steve Rausch gets pulled into the studio for a couple of segments to discuss how to properly gift property to your heirs. We talk about how step-up in basis works and the potential complexities and issues it can bring to a bad estate planning strategy. Watch, Subscribe, Ask! https://www.therealmoneypros.com https://www.capitalcitylawoffice.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor
Steve Rausch, Estate Planning Attorney ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The DJIA hit record highs, and the Fed expects to cut rates... what a week! To start the first hour, Brian and Jeremiah mostly discuss lowered interest rates and how that should (or should not) affect your investment portfolio. Which investments perform best in times of lower interest rates? They also focus on investors looking to generate income through their investments, emphasizing specific numbers and percentages that demand attention while disregarding others. On another note, is A.I. going to take over our children? And no, we don't necessarily mean in the scariest way possible... Artificial Intelligence has surged in the last year, and we expect it to continue making headlines. While those of us who aren't tech-savvy might not fully grasp how it works, we can still explore how to profit from it. The guys talk about its integration into your portfolio and why it's something we need to consider as a viable investment. Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The labor market is not what it used to be. These darn kids just don't want to work anymore! Or maybe the issue is way more complicated than just that. Steve Cilley of Ataraxis PEO joins Jeremiah to discuss all things employment—things that employers and the self-employed need to pay attention to before the year is over and be sure to give it attention now. This stuff can get complicated! Plus, comparing different retirement plans and the incoming mandatory retirement benefits that will start in 2025. Do you think employees working from home are just as effective as in the office? In the second hour, Brian and Jeremiah talk poorly of the annuity industry, to say the least. They'll explain why they urge people to take a different route, emphasizing that sometimes there's such a thing as too conservative. And if you're in one right now, don't worry. They'll tell you how to get out of it... Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor Stephen Cilley, CEO of Ataraxis PEO ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

In the first hour, Brian flies solo to talk about his most recent DIY investor mistake... Yes, even he makes mistakes! He explains what to do to prevent what he did and gives other tips on picking and buying companies during market pessimism. Who doesn't like buying things on sale? Jeremiah helps end the hour with a November market update – it was a good month! This year has been kind to tech stocks, but are we starting to see the tide turn back to other alternatives? Plus, December means the season of giving, but giving could mean taxes! The guys give ways to be extra tax-efficient and helps you understand the gift tax rules. Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Financial Advisor Jeremiah Bates, Financial Advisor ————————————————————— SPONSORS: Academy Mortgage: https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor Lively (HSAs and FSAs) https://livelyme.com/pro Ataraxis PEO https://ataraxispeo.com/offer Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Advisor Insurance Solutions: https://advisorinsurancesolutions.com/ —————————————————————