Paul and Jim talk about those pesky expenses that seemed good at the moment but aren’t really making your life any better. Listen along as they walk through an article that shares 10 things that aren’t really worth the money anymore, and Paul discovers he has quite a few in-app subscriptions on his phone that he didn’t realize he was still paying for.

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 the harsh realities of the investment industry as they walk through their professional journeys from working as salespeople at major investment firms to personal financial advising and coaching. Their biggest takeaway: The major companies groom employees to represent their own interests and sell their own products. Listen along as these two advisors talk about the difficult nature of working for a company that will only pay you when you sell products and will take all your clients when you try to walk away.

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 shares a pitch that was recently made on Shark Tank. It’s a business called Parrot Finance. You attach your brokerage account, you choose the portfolio of well-known rich and famous investors, and then, boom, all of a sudden you’re investing in the kinds of products and portfolios that wealthy investors have had access to all along. Listen along to hear why investing like the rich almost never works and why a product like this would put your retirement at risk.

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 isn’t shy about sharing his love for flying cars. Sometimes people have a hard time getting motivated to save for retirement because they lump it in with other adulting tasks like dental work or jury duty. Today, Paul shares that you should leave some space for fun and dreaming about the future, and you should find ways to stay motivated toward saving. Paul then pivots to discuss how many older investors are getting scammed out of thousands by people they should be able to trust the most.

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, Evan brings an article that shows when people have time to plan, they make very different decisions when unexpected expenses arise. Listen along as Paul and Evan talk about how having a family changes your financial needs and priorities, and share some of the basic financial literacy tools that can help a family rise to meet their financial needs. Later in the episode, Paul shares a clip from CNBC that shows that the investing industry is celebrated for giving investors whatever they want, even when they are obviously harmful products.

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, Dan talks about his experience at an investing workshop and explains how frustrating it is when the industry knows how to make a diversified portfolio, and that those portfolios would perform better than many of the products they offer, yet most investors come into PWI offices with a portfolio that is overweighted in large U.S. companies. Listen along to hear how the industry uses ratings, short-term past performance, and other emotional sales pitches to sell you yet another large U.S. fund, and why investors get sucked into investing in your “team” instead of taking an academic approach. Later in the episode, Evan brings a WSJ article about how investors who invested in private credit funds are losing big now that these private companies are defaulting on their loans.

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 talks about how many high schools have wanted to replace basic economics education with personal finance. The problem is that most high schoolers won’t use any personal finance information for a decade, and research shows that their retention of the information is low. Listen along as Paul explains why the foundational concepts of capitalism create a world where personal wealth is up and so is quality of life, but market timers and proponents of communism and socialism believe the same thing: A small group of smart people can create wealth and prosperity for everyone. The problem is that it hasn’t ever worked. Paul thinks that learning the foundations of economics can create more confident investors.

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.