Advertise on podcast: The Investor Coaching Show with Paul Winkler

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.

Today, Paul and Jim discuss the purpose of “The Investor Coaching Show” and why some fund companies have realized they’ll make more money and have “happier” clients if they offer investors five-star ratings, high short-term past performance, and big household names. Listen along as both advisors talk about an industry where both sides get caught up in emotional investing, “expertise” and status, and shortcuts over long-term success. Paul and Jim help you cut through these investment traps so that you can unplug from the hype 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.

The turnover ratio in your portfolio is there to show you how much the holdings have changed over the last year. Today, Paul talks about market timing and why having a high turnover ratio is the easiest way to see if your advisor or manager is actively managing your retirement savings. Listen along to hear how prevalent market timing is and how confident investors check in to make sure they are truly building and holding on to investments in the long-term.   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 shares that while most people believe that the FED sets interest rates and the markets follow, it’s actually the other way around. Listen along as the Investor Coaching explains why interest rates fluctuate, how the market drives these changes, and why it’s important to know the basics of how the economy works so you don’t get swept up in the hype when the media overreacts to changes.   Later in the episode, Paul talks about the deregulation of gambling and how it’s blurring the lines for investors who are feeling behind or want to make it big.   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 spends some time every week watching the financial news so that you don’t have to. Today, Paul shares an ad about Vanguard bond funds that, on the surface, seemed informative but really shows that the industry thinks it can pull one over on you. Listen along as Paul dismantles the pitch and explains how Vanguard uses emotional language to sell underperforming bond funds to young investors who should be focused on building wealth.   Later in the episode, Paul’s son Andrew is studying for his Series 65 and finds a question on the test that goes against everything he knows about academic investing principles.   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.

When Trump Accounts were first introduced, they had two main problems: The tax treatment was similar to a non-qualified account, and they invested only in large U.S. companies. Today, Paul discusses how the accounts have evolved since their introduction and why they may give many young Americans an opportunity to feel invested in the American dream. Listen along to hear the Investor Coach explain how confident investors understand these accounts in the bigger picture of saving and investing for minors.   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. Past performance is not indicative of future results. Diversification does not guarantee a profit or protect against loss. Any hypothetical examples are provided for illustrative purposes only, are based on stated assumptions, and do not represent actual client or account performance. Actual results will vary. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Protecting your money from inflation matters, but putting your money in Treasury Inflation-Protected Securities (TIPS) is rarely the solution. Today, Paul, Evan, and Jim talk about TIPS sales pitches and why they don’t recommend TIPS to most investors. Listen along as these advisors show how a diversified portfolio can actually provide a better hedge against inflation and market volatility, as well as stronger emergency cash reserves than a strategy that ties up your money in TIPS.    Later in the episode, Paul brings up the weekly hysteria about AI security, Evan brings up Y2K, and the advisors hash out why being optimistic about the future is not irrational.   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.

Confident investors need to be careful when a company uses trusted celebrities to create fear and sell you the solution. Today, Paul, Evan, and Jim break down a gold advertisement featuring Dr. Phil and why it is a masterclass in marketing and misinformation. Listen along as these advisors refute the ad’s claims that gold is the solution to geopolitical turmoil, inflation, market swings, and currency instability.   Later in the episode, Evan discusses a change to Qualified Charitable Distributions (QCDs) that may make it more important for you to chat with your financial advisor before you write a check to a charity from your 401(k).   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.

What are financial advisors actually taught when they first enter the industry? Today, Paul, Evan, and Jim reflect on 25 years of “The Investor Coaching Show” and the attacks on 9/11, and share the advice Paul and Jim received early on as advisors that pushed them over the edge. Listen along as these advisors talk about the pressure to survive, sound like an expert, and use complicated language to win people over in their early years, and how many advisors who “made it” are the ones who figured out how to make investing feel complicated and sell the solution.   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.

Christians want to be good stewards of their resources and make wise investing decisions. But Paul, Evan, and Jim point out three foundational problems with values-based funds: They can turn investing into speculation, their high turnover can resemble market timing, and the overlap among many of these funds suggests they may not be as diversified as advertised. Listen along to hear why assessing companies based on their values is unreliable and dangerous, and why evidence-based investing is stronger than value-based investing.    Later in the episode, Evan talks about Nvidia, a company that is usually the largest in these value-based funds, and how they contribute to data centers. Paul discusses the pressure on companies to move data centers outside of the United States to other countries that do not share U.S. interests.   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.

There are only four states in the U.S. where 18-year-olds are allowed to bet in sportsbooks. Predictive markets have quickly stepped in to fill the gap for people under 21, resulting in over $5 billion in bets made this year in that age range. Today, Evan talks about the loophole that is turning the youngest investors into a cash cow for the investing industry.   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.