Today, Paul talks with Jim Wood about how pension management seems to have taken a turn for the worse in recent years. There was a period when active managers were being replaced by academic research, but now pension managers seem to be making poor decisions driven by politics or simply following industry trends. This is concerning, given that they are managing the money of millions of public employees. Listen along as Paul talks about what has changed and how investors can be protected.

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Today, Paul and Jim talk about what you might expect to see from businesses now that many regulations imposed on them are being rolled back. While most regulations have good intentions to keep customers safe and create fair business practices, usually they are just expensive and ineffective. Paul talks about the many regulations in the financial planning industry that are designed to help investors but don’t keep planners from making commissions and selling bad products.

Later in the episode, Paul shares a clip from a seasoned billionaire investor about why he doesn’t think a change in presidency creates any real opportunities to time the market or predict the future.

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It is becoming increasingly popular for financial planners to use the promise of a tax-free retirement as a way to attract clients. Today, Paul exposes this as a marketing tactic and tries to offer some insight into the U.S. tax system and tax diversification. Listen along to hear how financial plans get pulled in the wrong direction when avoiding taxes is your primary concern.

Later in the episode, Paul talks about the potential applications of AI in the world of medicine and how unexpected advances in technology spark incredible changes in the cost of doing business that move the world forward.

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Today, Paul talks about CNBC’s coverage of the final day of trading during the Biden administration. Luckily, their take on the situation happens to confirm the academic research on politics, policy, and the stock market. Listen along to hear which companies were up over the last four years and what it proves about investing and politics.

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Paul keeps seeing firms and other financial planning companies urging investors to change their strategies because of eminent changes coming to the tax law in 2025. The problem is that this is just another form of speculation and gambling, and confident investors stay away from these kinds of pitches. The reality is that these are a bonus. Today, Paul and Evan talk about annuity bonuses. Later in the episode, Paul talks about the outcome of the ESG lawsuit between BlackRock and the state of Tennessee.

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Join Paul and Evan as they talk about the world of annuity bonuses and explain why they aren’t all they’re cracked up to be. Listen along as these two advisors explain the hidden costs and downsides of products that use flashy bonuses to lure people into contracts with back-end surrendered charges and phantom accounts. Later in the episode, Paul shares about an annuity salesperson who is surprisingly upfront about how bad some of these products are.

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Paul knows not everyone will go to the company’s website to learn more about how the business works. So, Paul spends some time walking through the most frequently asked questions (FAQs) on the website and covers topics like: How do you guys get paid? Are there account minimums? Are you fiduciaries? And what is your investment philosophy? Later in the episode, Paul talks about innovations Nvidia is making and why the people buying up their stocks might not be making the savvy decision they think they are.

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