Advertise on podcast: Henssler Money Talks

A substantial inheritance can be a gift or a challenge—it often comes down to how prepared the next generation is to manage it. With trillions expected to transfer in the coming decades, many families are asking a vital question: Will this wealth help or hinder my heirs? In this piece, the hosts of “Henssler Money Talks” examine the complex realities high-net-worth families face when passing wealth to the next generation and how the decisions made today can shape outcomes for years to come. Original Air Date: April 18, 2026 Read the Article: https://www.henssler.com/too-much-too-soon-rethinking-how-wealth-is-passed-down  

This week’s episode looks at how shifting priorities are showing up in both our personal lives and the broader financial landscape. From the rising cost of spring break—where family vacations are increasingly built around the kids—to the complex questions ultra-high-net-worth families face when passing wealth to the next generation, we explore how decisions today can shape outcomes for years to come. We also turn to the markets, where investors are weighing geopolitical tension and rising oil prices against encouraging inflation data and a rally that’s pushed stocks to fresh all-time highs. And as always, we’ll wrap with a listener question—this time on what to do with a long-term underperforming investment sitting on embedded gains in a taxable account. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — April 18, 2026  |  Season 40, Episode 16 Timestamps and Chapters 9:09: Built for the Kids: The Evolution of Spring Break26:35: Guardrails for Generational Wealth41:24: Markets Reach All-Time High51:54: Listener Question: Underperforming Investment with Embedded GainsFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

Concentrated positions tend to build when something goes very right, but over time, they can quietly introduce significant exposure. In this week’s “Henssler Money Talks,” the hosts discuss why investors hesitate to unwind them, the risks beneath the surface, and center on a smarter, tax-aware way to unwind concentrated positions using direct indexing. Original Air Date: April 11, 2026  Read the Article: https://www.henssler.com/built-on-one-stock-direct-indexing-offers-a-way-forward 

Artificial intelligence is quickly becoming the headline explanation for layoffs—but the story underneath is more nuanced. We’ll unpack the rise of “AI washing,” where companies point to future efficiency gains to justify workforce cuts that are often more about correcting pandemic-era overhiring and tightening costs. Along the way, we’ll explore why only a small portion of layoffs are truly driven by current AI replacement—and why invoking AI can send a powerful signal to investors, even when the fundamentals haven’t changed. Then, we turn to a different kind of risk—one that often comes from success. Concentrated positions tend to build when something goes very right, but over time, they can quietly introduce significant exposure. We’ll break down why investors hesitate to unwind them, the real risks hiding beneath the surface, and practical ways to diversify without making all-or-nothing decisions. Because whether it’s headlines around AI or a portfolio shaped by big winners, the key is understanding what’s really driving the story—and making decisions that help preserve what you’ve built. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — April 11, 2026  |  Season 40, Episode 15 Timestamps and Chapters 7:17: AI Washing Wall Street 25:16: Your Biggest Winner… Your Biggest RiskFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

The “Henssler Money Talks” hosts look at a small change that could carry broader implications—the potential elimination of the penny. As transactions begin rounding to the nearest nickel, businesses, consumers, and policymakers alike will need to adjust. We’ll explore what this shift means in practice, from pricing strategies to tax considerations, and whether removing the penny is simply a cost-saving move—or a subtle change with meaningful ripple effects. Original Air Date: April 4, 2026 Read the Article: https://www.henssler.com/rounding-up-or-down-life-after-the-penny  

Markets are showing signs of strain to start the week, with stocks flirting with correction territory, volatility on the rise, and geopolitical tensions—particularly around oil and the Strait of Hormuz—adding another layer of uncertainty. But the bigger story may lie ahead, as upcoming data on jobs, manufacturing, and consumer spending helps determine whether the economic backdrop can steady investor sentiment—or give markets something new to react to. From there, we shift to the “on-demand” economy—where convenience has never been faster, or easier to take for granted. When a forgotten laptop charger can arrive at your hotel door in 20 minutes, it highlights just how much these platforms have reshaped daily life. But behind that seamless experience is a bigger question: are these companies building durable, profitable businesses—or operating on razor-thin margins to meet ever-rising expectations? Finally, we look at a small change that could carry broader implications—the potential elimination of the penny. As transactions begin rounding to the nearest nickel, businesses, consumers, and policymakers alike will need to adjust. We’ll explore what this shift means in practice, from pricing strategies to tax considerations, and whether removing the penny is simply a cost-saving move—or a subtle change with meaningful ripple effects. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — April 4, 2026  |  Season 40, Episode 14 Timestamps and Chapters 8:25: Close to Correction24:24: The Business of Convenience: Fast, Easy… and Profitable?45:25: No Pennies, No Problem? The Economics of Rounding Follow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

For business owners, selling a company may look like a financial milestone, yet nearly 80% regret the decision within a year—often because they didn’t clearly define what comes next. The hosts of “Henssler Money Talks” explore why clarity around purpose and life after the deal matters just as much as valuation and tax strategy. Original Air Date: March 28, 2026 Read the Article: https://www.henssler.com/the-hidden-challenge-of-retirement-no-one-talks-about 

It’s a consequential week for markets—and for investors navigating big decisions. Fresh data on housing, manufacturing, trade, and inflation will help test the strength of the economic backdrop, while signs of a softening labor market and easing geopolitical tensions—including improving U.S.–Iran dialogue that’s pulling oil prices lower—add new layers to the outlook. But consequential decisions don’t stop at the markets. For business owners, selling a company may look like a financial milestone, yet nearly 80% regret the decision within a year—often because they didn’t define what comes next. We’ll explore why clarity around purpose and life after the deal matters just as much as valuation and tax strategy. As wealth grows, so do the stakes. We break down whether liability coverage should track net worth, how umbrella policies are priced, and what to consider when increasing protection in a more litigious world. And when life throws a curveball—like divorce in a 6.8% mortgage environment—we’ll walk through the real-world options for keeping a home with a 3% rate, from buyouts to refinancing to loan assumptions, without compromising your long-term financial plan. From economic crosscurrents to deeply personal financial choices, this episode is about making thoughtful decisions when the numbers—and the consequences—matter most. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — March 28, 2026  |  Season 40, Episode 13 Timestamps and Chapters 8:10: Reading the Market: Labor, Data, and Geopolitics18:26: After the Sale: Purpose, Not Just Proceeds29:15: Matching Risk, Not Just Net Worth41:31: Protecting a Good Asset Decision in an Unfortunate Life TransitionFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

The hosts of “Henssler Money Talks” explore a potential shift in how markets themselves operate, as the SEC considers moving away from quarterly earnings reporting. What could that mean for transparency, investor behavior, and long-term decision-making? It’s a conversation that gets to the heart of how much short-term noise investors really need—and whether less could ultimately be more. Original Air Date: March 21, 2026 Read the Article: https://www.henssler.com/what-a-shift-away-from-quarterly-reporting-could-mean-for-investors     

It’s one of those weeks where everything seems to collide at once—markets reacting in real time to geopolitical tension, a pivotal Federal Reserve meeting on deck, and headlines that feel like they’re changing by the hour. With conflict in Iran pushing oil prices higher and uncertainty back in focus, we begin by helping investors separate emotion from strategy and stay grounded in a disciplined approach. From there, we look past the headlines of record March Madness betting to the broader economic ripple effects—from increased exposure for schools, including local interest around Kennesaw State, to even a surprising trend: markets have historically “earned less” during the tournament. We also tackle a common retirement question: Does it make sense to delay your RMD until December in hopes of a higher market value? We’ll walk through where that thinking works, where it doesn’t, and how the Henssler Ten Year Rule can help remove the temptation to time withdrawals. Finally, we turn to a potential shift in how markets themselves operate, as the SEC considers moving away from quarterly earnings reporting. What could that mean for transparency, investor behavior, and long-term decision-making? It’s a conversation that gets to the heart of how much short-term noise investors really need—and whether less could ultimately be more. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — March 21, 2026  |  Season 40, Episode 12 Timestamps and Chapters 7.00: All Eyes on the Fed—and the Headlines18:32: March Madness38:12: December RMDs Only?46:58: Earnings Season, RewrittenFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

Recent tensions in the Middle East, particularly around Iran and the Strait of Hormuz, have raised questions about potential impacts on energy markets and the global economy. The hosts of “Henssler Money Talks” discuss how geopolitical events can create short-term market volatility. Still, history shows that markets tend to recover as uncertainty fades and long-term economic fundamentals reassert themselves. Original Air Date: March 14, 2026 Read the Article: https://www.henssler.com/the-middle-east-market-volatility-and-your-portfolio   

As attacks in the Strait of Hormuz put investors on edge, we start this week’s episode with a conversation that takes a step back from the headlines to focus on what actually matters for client holdings. We’ll compare the current moment to 2008, examine how increased U.S. oil production has changed the picture, and offer some reassurance in a market still grappling with uncertainty. With all the uncertainty, the S&P 500 keeps dipping, the headlines are getting louder, and investors are starting to feel uneasy—but the market is still only about 2% to 3% off record highs. We’ll put today’s volatility in context, revisit the “Ten-Year Rule,” and explain why moments like this are often when long-term discipline matters most. After the break we look at Vanguard’s “How America Saves” report, which shows hardship withdrawals from 401(k) plans have been inching higher; however, participation in workplace retirement plans has also never been stronger. We’ll explore why that combination may actually signal progress, as more workers build retirement savings that can also serve as a financial backstop when life throws a curveball. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — March 14, 2026  |  Season 40, Episode 11 Timestamps and Chapters 7:12: Perspective in a Time of Uncertainty20:05: But is the Sky Really Falling?45:31: The 401(k) Safety NetFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

Managing Associate Melanie Wells joins the show to discuss what earning the Certified Divorce Financial Analyst® designation adds to financial planning during divorce. Using a real-world style case study, we examine how retirement accounts, pensions, stock options, real estate, and even debt are evaluated — and why in divorce planning, “fair” doesn’t always mean “equal.” Original Air Date: March 7, 2026 Read the Article: https://www.henssler.com/divorce-isnt-just-emotional-its-financial 

Geopolitical tensions flared over the weekend as military strikes involving the U.S., Israel, and Iran sent shockwaves through global headlines. But how did markets actually respond? We break down the reaction across energy prices, defense stocks, travel shares, and inflation expectations — and what investors should watch in the weeks ahead. Moments like these often raise the same question: what does this mean for my portfolio? Looking at historical data from past geopolitical crises, we discuss how the S&P 500 has typically behaved during periods of uncertainty, why short-term volatility can look very different from long-term outcomes, and how investors can stay grounded by focusing on discipline rather than prediction. Then we turn to the growing conversation around artificial intelligence and jobs. After Block announced significant layoffs with CEO Jack Dorsey pointing to AI as a key driver, we explore whether AI is truly replacing that much human capital — or if other business realities like a weak crypto market, past hiring trends, and stock performance may also be influencing the decision. Finally, Managing Associate Melanie Wells joins the show to discuss what earning the Certified Divorce Financial Analyst® designation adds to financial planning during divorce. Using a real-world style case study, we examine how retirement accounts, pensions, stock options, real estate, and even debt are evaluated — and why in divorce planning, “fair” doesn’t always mean “equal.” Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — March 7, 2026  |  Season 40, Episode 10 Timestamps and Chapters 8:14 War Headlines and Wall Street19:08: Discipline Over Drama24:20: Separating Signal from Story 33:59: The Hidden Financial Decisions in DivorceFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

A “Henssler Money Talks” listener wants to create a trust to leave a legacy to his college fraternity but wonders how to structure annual 10% distributions without trustee fees eating up the gift. We explore the trade-offs between giving vehicles and why the fraternity’s tax status could significantly shape the strategy. Original Air Date: February 28, 2026 Read the Article: https://www.henssler.com/good-intentions-arent-enough-how-to-structure-a-charitable-legacy