Advertise on podcast: The Investor Coaching Show with Paul Winkler

Today, Paul and Evan talk about the frustrating relationship between the companies who provide financial services and the governing organization that is supposed to be keeping them in check. Listen along to hear why investors need someone on their side amidst an industry that markets with messages like fiduciary responsibility, prudence, and expert guidance while it sells commission-based products, places nuanced concepts in ADVs, and pushes investors into arbitration when conflicts arise.    This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Paul shares a Halloween tradition on the Investor Coaching Show with the 12 Scariest Things You Can Hear From Your Broker This Halloween. Paul and Evan talk about some of the more recent spooky offering being marketed to investors like indexed-annuities and AI financial advice and why it’s important to become educated about what these products really are and why some of the claims around them could mislead investors into thinking they are getting ahead when they are really not.   Later in the episode, Paul shares about how Binance is racing to cover losses after hackers stole $6.3B from the company - making this the largest crypto heist in history. Paul and Evan talk about how the heist only took about 20min which is surprising coming from a company that sells Bitcoin and touts the safety of these alternative assets.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

It’s easy to get swept into the idea that successful investors are the ones who are able to pick the future winning companies and avoid the losers. Today, Paul shares about a record amount of money put into a semiconductor ETF and why this is a kind of investing around tech and the future is a form of stock picking that is hard to see. Listen along as Paul talks about how a portfolio built on academic principles includes large and small companies, foreign and domestic companies, and established and distressed companies which help you capture the upside without needing to pick tomorrow's winners.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Hedge funds are typically seen as advanced, intelligent, flexible investments that allow investors to beat markets, exercise options contracts and perform well even when markets are going down. Today, Paul talks about why he doesn’t see them this way and how “ultra-savvy” investment options are typically only for accredited investors because they are seen as wealthy enough to be able to take unnecessary risks and lose. Paul shares an interview from last week where a hedge fund company is called out for having poor performance when the market went down – even though they have the ability to hedge against the market. Later in the episode, Paul talks about why Americans seem to be sour about the US economy when the numbers tell a different story.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

With the midterm elections approaching, investors hear warnings about how a change in political power could affect their investments. Today, Paul looks at a Bloomberg commentator's claim that a Democratic victory could slow AI investment and allow China to pull ahead of the United States – damaging the economy and our future safety. Listen along as Paul explains why confident investors don’t make investment decisions based on which party is in office and explains why long-term market returns are driven more by company profits than by politics.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Paul knows firsthand that many advisors are taught more on how to sell products than to understand them. This poses a huge risk to investors who need to trust an advisor to build a financial plan that helps them reach their goals. Today, Paul talks about the growing trend of indexed annuities sales and wants you to see past the marketing materials to see the true risk of these kinds of products. Listen along as Paul breaks down new indexed annuity products that dabble in private equities and a story of how an investor got into trouble without understanding all the risks.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   Article Referenced: https://www.wsj.com/finance/the-sleepy-insurance-product-that-came-to-power-private-credits-ascent-e9586fa3   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Rental income, dividend-paying stocks, and high-yield bonds are often sold as reliable ways to generate income. Today, Paul shares a conversation with an investor using these strategies and explains where the risks can hide. Listen along as he breaks down why rental income may be less passive than it sounds, why high-yield bonds carry added risk, and why chasing dividends can lead investors into distressed companies. Later in the episode, Paul talks about what it’s like to work as a financial planner, why the standards aren’t strenuous enough, and what he thinks you should be looking for when you're finding a financial planner.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Paul believes the investment industry is partly to blame for why so many people distrust investing and struggle to save. Today, he looks at two examples: investors being encouraged to leave stocks after the 2008 crash and return only after the recovery, and the rise of apps like Robinhood that sell the dream of day-trading success. Listen along as Paul explains why he continues to push back against emotional investing and why a more academic approach has helped investors stay disciplined. Later in the episode, Paul shares an ad for the show almost 25 years ago and remembers the tech bubble and how that compares the landscape of investing now with AI companies.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Is it possible to relax about money when you have to worry about inflation chipping away at your spending power? Today Paul and Evan dive into a survey that talks about retirees’ greatest fears – at the top of the list was inflation. Inflation can cause stress when prices go up and you don’t know what to do to adjust with it. Listen along as these two advisors share an article of some retirees who tried to “inflation-proof” their retirements and why it’s important to know what helps and not let fear of the future push you into common investment traps.    Later in the episode, Evan shares a story about the SEC proposing an exam you can pass that would give you access to private markets as an alternative to the current accredited investor wealth requirements. Both advisors agree that this might lead to a money grab from companies who could be allowed to sell private market products to investors that don’t have the personal wealth to recover from a big loss.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

A Wall Street Journal editor hired a fee-only financial advisory and wrote about the lessons he learned along the way. Listen along as Paul and Evan walk through the concerns that lead him to work with someone and what he learned along the way. Paul explains some of the pros and cons of fee-only investing and why you should consider working with someone who can’t remove their fiduciary responsibility to sell products.   Later in the episode, Paul shares a podcast from a popular management company that offers investors expert market forecasts about international companies and then turns around to mostly offer products that are overweighted in large US companies.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

30-year mortgage interest rates keep creeping up, and the housing market is starting to slow as houses stay on the market. Today, Paul and Evan talk about the situation with US mortgages reaching over 7% and share how markets have adjusted both at home and abroad over the decades. Later in the show, Evan shares some interesting IRS news this week about the savers match program, which is an up to 50% match for people who make up to $70,000. Evan talks about the forms that need to be filled to receive that match and some changes from the older credit program.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

If you only had five dollars left to your name, could you still live out your true purpose for money? This week, Evan shares with Paul about his American Dream experience in Scottsdale with his extended family – including his grandchildren. His big takeaway is that it’s never too early to work on financial literacy and to consider what your true purpose for money is. Listen along as these two advisors talk about why discovering the dreams that go beyond accumulating money (stability, family, service, or fulfilling experiences) help you realize how to start living your true purpose today.   Does high national debt have a negative effect on the economy and stock market? Later in the show, Paul tackles this common investor concern and explains why inflation and debt have a connection that most people don't see.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Annuity companies like to claim that their products are a perfect fit for people who are worried about taking a steady income in retirement. The problem they don’t mention is what happens when you annuitize over a long period of time and there is any meaningful inflation. Today, Paul and Jim critique an ad with one of the most frustrating claims in the industry: that annuities are guaranteed income and “built for the future.” Listen along as these advisors explain the difference between the advertising and the reality of these high-commission products and why you should never take the claims in an annuity ad at face value.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Today, Paul and Jim talk about some of the most common investment hacks that distract you from what really matters and make it easier to sell you products. Listen along as these two advisors dive into tax and investment strategies that claim to make a difference in your portfolio, and where the real difference lies.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Many investors believe investing means choosing the right management company and letting industry experts build funds that contain the investments of the future. Today, Paul and Jim want you to see that the industry has planted this belief as a marketing pitch. Listen along as these two advisors explain the fundamental principles behind a growing portfolio so that you can ditch the idea that you need a company's experts and become a more confident investor.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.