If bonds with longer maturities reward you with higher interest rates, why would you choose to exclude them from a diversified portfolio? Today, Paul expands on a video he made last week, “Why Use Bonds in a Portfolio?” and explains the risk of long-term bonds in your portfolio. Listen along as Paul explains why fixed-income investment like bonds get put in a portfolio and why the promise of higher interest rates and long maturities undermines the reason for owning bonds. Later in the episode, Paul shares an article that he sent to his team this week called “Financial Journalism Fails Its Readers.”

To learn more about the problems with indexing and why a structured approach to investing could be better for your financial future, sign up for our webinar here: Are Index Funds Delaying Your Retirement?

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Today, Paul discusses an article about a recent lawsuit against an employer who mismanaged its employees’ retirement accounts. Employers are responsible for making decisions in their employees’ best interest, but oftentimes employers don’t know how to manage the accounts and don’t want to be responsible. Listen along as Paul and Jim talk about how your employer may be making you choose your investments or, even worse, choosing products for you for personal reasons. The result is that your employer spends their time looking out for themselves instead of reaching out for help and choosing products that work for you. Later in the episode, Paul and Jim talk about why investment companies want to sound sophisticated and tout their ability to analyze markets, and why you shouldn’t let any of their “advanced metrics” lead you into market timing.

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Today, Paul invites Michael on the show to help explain the options families have to save for education expenses. Paul explains that saving for college can be a smart idea when making a financial plan because of how expensive it is and the amount of time parents have to start saving for it. Listen along as these advisors explain the most popular accounts they recommend to clients who want to start saving for college and what you need to consider before choosing one.

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In recent years, we’ve seen numerous changes in tax laws. These laws have dramatically changed how to plan for retirement and how to manage an inheritance received from a loved one. Today, Paul and Michael explain some changes in tax law that affect inheriting money in an IRA. Listen along as they explain why investors have 10 years to decide what to do with the money in an inherited IRA and how some investors who aren’t asking for help are creating tax issues for themselves and turning this money back over to the government in taxes.

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Paul invites PWI advisor and Chartered Special Needs Consultant® (ChSNC®) Chad Henson to the show to talk about how to create a plan to support children who struggle with independence. Today, Chad talks about how special needs children are often targeted by people who want access to any money they have, and how protecting and maintaining a special needs trust is usually a team effort. Listen along to hear these advisors talk about teaching your children how to have strong financial boundaries and whether or not your special needs child should be the trustee. If you’re looking for help caring for your family, it’s important to talk to someone who is qualified to help you.

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Capturing market returns is one of the biggest factors of investing success, and it comes from proper diversification. After Paul did a recent webinar on the topic, an investor brings Paul a LPL Financial product called the Strategic Asset Management Program (SAMs) and wants to know: Is this product capturing marketing returns or is it gambling with investors’ money? In this two-part episode, Paul and Michael look through this product to find the answer, but also teach you where an educated investor looks to find out what is really happening in an investment product. Listen along as these advisors discover what SAMs are doing with investors’ dollars and give you some tools to spot suspicious behavior in other products.

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