The Long Term Investor

How do you choose between a Roth and a Traditional 401(k)? Explore the financial implications of each option as we break down what it means for your current taxes, future gains, and overall retirement strategy. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

This episode welcomes back Sara Gelsheimer, Senior Wealth Manager at Plancorp, to discuss the challenges and strategies for female breadwinners, balancing career and family, and the importance of integrating mental wellness into financial planning. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. (02:04) Empowering Women in Finance (05:54) Challenges for Female Breadwinners (08:34) Tailored Financial Planning for Women (09:09) Balancing Career and Family as a Working Mom (14:37) Financial Planning Strategies for Women Leading Financially (21:59) Integrating Mental Wellness into Financial Planning (24:00) Emerging Financial Trends and Advice for Women

Originally aired on The Best Interest Podcast, Peter shares insights on why all-time highs are more common than one might think, the importance of maintaining a long-term perspective, and why trying to time the market is an unwise strategy. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. [02:25] Investing at All-Time Highs [04:47] Market Cycles and Volatility [11:20] The Limits of Market Timing [17:52] The Cyclical Nature of Stocks [24:19] The Connection Between Stocks and Earnings

Taylor Schulte and Benjamin Brandt join the show to talk about the Retirement Podcast Network and share valuable perspectives on various retirement-related topics. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. 02:34 Origin of the Retirement Podcast Network 07:09 Retirement Planning Beyond Investing 10:18 Retirement Income Strategies 14:10 Strategic Roth Conversions Are Great, But Not Everything 17:36 Long-Term Care Planning 20:58 Future Content Hubs at Retirement Podcast Network

In this episode, we delve into the complexities of the S&P 500's index concentration, spotlighting the unprecedented impact of the 'Magnificent 7' on market dynamics and investor strategies. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

In this episode, Peter shares his interview from Investipal’s Podcast about all things portfolio construction and investment management. Listen now and learn: How Peter thinks about designing portfolios When to think about deviating from an index strategy Novel ways to remove bias from a portfolio decision Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. Episode Timestamps: (02:59) Portfolio Construction Philosophy (12:16) Quantitative vs. Fundamental Approach (30:45) Reducing Emotional Biases

When it comes to the disciplined approach of portfolio rebalancing, investors often find themselves in a conundrum, particularly with the necessity of realizing capital gains. This episode explores the tradeoff between maintaining a strategic, long-term asset allocation versus a higher tax bill. Listen now and learn: Why many investors might soon need to realize some capital gains The importance of rebalancing and maintaining your target asset allocation Strategies to mitigate the tax impact of portfolio rebalancing Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Manisha Thakor, author of MoneyZen: The Secret to Finding Your “Enough,” joins the show to share practical steps to embrace a life of “enough.” Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. [02:51] Understanding Money Zen [05:21] How People End Up in the Cult of Never Enough [18:20] Science of Hustle and Work-Life Balance [23:30] How to Implement Joy-Based Spending

In this episode, we delve into the heart of Nvidia’s recent surge and why it's not the missed opportunity it might seem. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

In this episode, we’re joined by Christine Benz, Director of Personal Finance at Morningstar, who shares fascinating insights from her latest co-authored paper: "The State of Retirement Income 2023." Listen now and learn: Motivations for safe withdrawal rate research Nuances of the 4% withdrawal rule Implications of today’s environment for retirement spending strategies Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. 02:28 Motivation Behind the Research 03:54 The 4% Withdrawal Rule: An Overview and Its Shortcomings 07:15 Variables Impacting the Ideal Withdrawal Rate 12:45 The Impact and Value of Early Financial Gifts 17:16 The Advantage of Dynamic Spending Strategies 21:07 Upcoming Book: "How to Retire – 20 Lessons for a Happy, Successful, and Wealthy Retirement"

You need money for everything, but money isn’t everything. That’s why there are a number of non- financial reasons you ought to embrace financial planning. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

The conversation continues with Derek Jess, Senior Wealth Manager and Shareholder at Plancorp, who returns to delve deeper into executive compensation planning strategies. Listen now and learn: Be sure to also check out last week’s episode with Derek about Equity Compensation Strategies: Everything You Need to Know. [02:00] Advanced Deferred Compensation Planning Strategies [11:35] Advanced Strategies for Exercising Stock Options [16:20] Understanding AMT Planning for Incentive Stock Options [21:25] The Importance of Setting a 10b5-1 Plan Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Derek Jess, Senior Wealth Manager and Shareholder at Plancorp, shares his vast knowledge of integrating equity and executive compensation into comprehensive financial planning strategies. Listen now and learn: The essential considerations and tax implications for incorporating equity compensation into your financial plan Unique risks faced by employees with large company stock positions A systematic approach to managing company stock Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. [2:17] Understanding Deferred Compensation [3:43] Equity Compensation and Vesting Schedules [6:01] Restricted Stock vs. Stock Options [9:21] Tax Implications of Stock Options [14:05] Employee Stock Purchase Plans [17:36] Concentrated Stock Positions and Risks [21:05] Integrating Company Stock in Financial Planning [33:06] A Systematic Approach to Managing Company Stock

Peter provides a data-driven analysis of what investing in stocks at an all-time high means for investors today. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Callie Cox, an acclaimed investment analyst, shares her expertise on navigating the complexities of the financial world in 2024. Tune in for an enlightening discussion that blends technical analysis with practical advice for both seasoned and aspiring investors. Listen and learn: What sparked the year-end rally and what to expect in 2024 Key insights from eToro’s Retail Investor Survey What to expect from Big Tech in 2024 Detailed show notes and resources can be accessed at www.thelongterminvestor.com. [1:30] Reflecting on the Fourth Quarter 2023 Rally [9:30] Market Leadership and Trends [15:10] The Surge in Money Market Fund Flows [19:20] The Case For Optimism in 2024 [22:50] Insights from eToro’s Retail Investor Survey [29:15] Potential Impact of a Bitcoin ETF

This episode explores the groundbreaking approval of spot price bitcoin ETFs by the SEC. Understand the impact of this development on investors Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

This episode features a deep conversation with renowned author and coach Brad Stulberg, exploring the intricate dynamics of mastering change in both personal and professional spheres. Drawing from Stulberg’s latest book, “Masters of Change: How to Excel When Everything is Changing – Including You,” they delve into the science behind change and how individuals can navigate change effectively. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. [2:14] The Science of Change [7:20] Rugged Flexibility and The Importance of Core Values [16:00] How a Diversified Identity Reduces Fear and Increases Resilience [22:15] Tragic Optimism [28:20] Reacting vs Responding to Change

In this episode, we explore setting financial goals that transcend mere numbers. Listen now and learn: Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

This is the sixth episode of the Investing By Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. As you retire and transition from saving to spending, there are several unique planning opportunities and challenges that arise. Listen now and learn: How to simplify your investments Strategies for minimizing your total lifetime tax bill Different ways to navigate healthcare costs To listen to the entire 6-part series this episode aired with, visit www.TheLongTermInvestor.com and listen to: EP.56: Investing in Your 20s EP.57: Investing in Your 30s EP.58: Investing in Your 40s EP.59: Investing in Your 50s EP.60: Investing in Your 60s EP.61: Investing in Retirement You’ll also find all the show notes, free resources, and links mentioned in this episode.

This is the fifth episode of the Investing By Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. In your 60s, retirement is approaching quickly. The decisions you make in the few years leading up to retirement and the first few years of retirement are potentially the most impactful financial decisions of your lifetime. Listen now and learn: How to prepare for market downturns before retirement A simple strategy for projecting future expenses Where to download a comprehensive retirement readiness checklist To listen to the entire 6-part series this episode aired with, visit www.TheLongTermInvestor.com and listen to: EP.56: Investing in Your 20s EP.57: Investing in Your 30s EP.58: Investing in Your 40s EP.59: Investing in Your 50s EP.60: Investing in Your 60s EP.61: Investing in Retirement You’ll also find all the show notes, free resources, and links mentioned in this episode.