Management companies fight over who has the lowest fees to lure customers into products and investment methods that aren’t always best for the investor. Unfortunately, these same companies then look for ways to charge you or cut costs that may be hard to see or understand. In this two-part episode, Paul does a deeper dive into different kinds of fees, hidden expenses and costs, and how you can see through the low-fee marketing strategies to build an investment portfolio that isn’t crippled by unnecessary fees.

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401(k)s providers don’t do a great job of representing small companies. So when small companies are doing well compared to large companies, your 401(k) is probably missing this return. Paul, Evan, and Ira talk about why fear of litigation and cost may keep providers from including these investments in your retirement and why it’s important to diversify and include an advisor in this part of your portfolio. Later in the episode, Paul asks the question: Are ESG funds picking expensive or unnecessarily risky investments?

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Paul shares the WSJ article by Charlie Munger called, “Why America Should Ban Crypto.” The articles claim that cryptocurrencies are neither currencies nor commodities and should be banned to keep investors from gambling with their money. Listen along to hear Paul’s perspective on how crypto compares to other currencies and investments and if he agrees that they should be banned in America. Later in the episode, Paul talks about why Social Security cuts were tabled in the most recent debt ceiling talks and why politics work in Social Security’s favor.

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Paul shared an interview from last week with Michael DelGiorno on SuperTalk 99.7, in which he shares two things you should know about ESG investments and whether or not you should be avoiding them. Listen along as Paul shares why Mutual Fund companies love ESG products and how the ESG designation actually works against companies from a profitability standpoint.

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Paul talks about why your income and income tax rate will influence what kind of investment vehicles you put your money in. Listen along as Paul teaches on tax diversification and provides some simple principles you can consider to make sure that you’re navigating income taxes correctly and not paying income taxes at unnecessarily high rates. Later in the episode, Paul talks about investors wanting to look for signs that the market is either bullish or bearish.

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Paul brings multiple examples of major publications and financial gurus encouraging investors to time the market. The worst part is that all of these are disguised as advice and education. Listen along as Paul urges investors to practice spotting market timing in the headlines. Later in the show, Paul talks about the Preventing Elected Leaders from Owning Securities and Investments (PELOSI) Act that was introduced to Congress last week.

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Paul and Jim talk about some research in an Advisor Perspectives article called “Fortune Doesn’t Always Favor the Bold.” Paul warns investors that they will be most tempted to change their strategy when their investments are struggling. Unfortunately with most investors, trying to avoid risk and losses leads to some of the riskiest behavior. Listen along as these advisors share why trying to jump on big returns leaves your retirement in a very vulnerable position. Later in the show, Paul and Jim talk about international investing and how it relates to minimizing risk in your portfolio.

Start relaxing about investing by scheduling a 15-minute call with one of our advisors here.