America Talks Money | Financial Planning | Financial Advice | Money Management | Investment Advice

We're really happy to have Larry Israel, the president and founder of Exchange Analytics, with us today. On the show today, Larry talks about futures markets. He discusses the reason for futures markets to exist, and how they help to mitigate price risk. He also explains how he got into the business world, and how he found his very specific niche with the futures industry. Listen in today to hear what Larry has to share. Exchange Analytics is a leading supplier of interactive online compliance training courses to the futures, derivatives, and securities industry. They are the largest supplier of ethics training courses that satisfy the requirements of the Commodity Futures Trading Commission and the National Futures Association. Listen in to find out more. Show Highlights: The reason for futures markets to exist. A classic example of protecting a company against price risk. How futures markets can help mitigate price risk. Most people don't really understand what commodities, futures, and derivatives are.  L

Will Rhind joins Kate on the show today to have a candid conversation about commodities. Will is Founder and CEO of GraniteShares, an ETF company. GraniteShares from an idea to a successful start-up garnering the attention of Bain Capital and other well-known ETF investors who support his passion to create products that will change the way people see investing. Will is a graduate of the University of Bath, in England, with a Bachelor of Arts in French, Russian, Politics and Economics. He has spent 17 years in the ETF industry, which began with iShares. He then transitioned to ETF Securities, and lastly, became the CEO of GLD before founding GraniteShares. Will has worked with both European and US ETF Markets, has a wealth of experience under his belt, and is an entrepreneur working hard to disrupt the financial industry with a start-up that’s gaining success. Listen to today’s episode to find out more! Show Highlights:  Will discusses how GraniteShares focuses on commodities and high income passthrough secur

More often than not, we want to go with whatever investment plan is the newest rage just because it’s a hot topic. What people don’t realize is that just because a strategy is hot right now, doesn’t mean it’s the best option for you. Exchange traded funds are popular right now because of their convenience, and while it doesn’t mean it’s the right strategy for you, it’s good to familiarize yourself with different investment techniques. In this episode, Kevin Quigg, the Chief Strategist at Exponential ETF’s and host of Exponential ETF’s Podcast, talks about a unique system developed at his firm and how it fits in a strategy with your general investments. Today, our focus is on the American Customer Satisfaction Investable Fund, which is an EFT. Tune into this episode of Better Money Decisions with Kate Stalter to enhance your investment knowledge.  Show Highlights:  The core of the investment thesis  The relationship between customer satisfaction and security performance  Creating an index  How a portfolio tur

If you’re tired of the same old financial tips like “stop buying lattes” then you have come to the right place. This is financial advice for grownups who have serious financial questions as you approach retirement and your next chapter in life. You’ve already worked hard and saved money now it’s time for the real financial challenges. Your host today, a top investment columnist for Forbes and US news & World Report, as well as a licensed investment advisor and president of nationally known asset management and financial planning firm “Better Money Decisions” Kate Salter.   Kate talks with Bob Lang on the show, he launched Explosive Options. We hear about his book on options, and some great information how you can use Options to protect you.    Show Highlights: Financial wellness and some cold brutal truths Paying a planner by the hour and why it is not good Resources you need to retire Options and Bob Lang’s book Buying a call and what it means with examples Buying puts and what it means with examples Wh

One of the things that financial writers, and financial advisors talk a lot about is indexes. Dow Jones, S&P 500, NASDAQ. Some people don’t know exactly what an index is. Today we talk with Daniel Prince, the head of iShares product consulting at Black Rock. iShares operates a number of funds based on indexes. Daniel will explain exactly what these things are. Daniel will also discuss what Exchange Traded funds (ETF’s) and how you can use them as part of your asset allocation. ETF’s are often based on indexes and help track them. Stocks and bonds, mutual funds, ETF’s, are just vehicles to help you invest, to help you achieve what you want in life.   Show Highlights: What is the very basic definition of Index Brief example using S&P 500 to illustrate the points of index Indexes were first formed to help measure yourself against the market Some indexes are accepted more as standards Some indexes are just something someone designed to sell a product Not all indexes are created equal Every index can look

You often hear people talking about a particular investment thesis. A few popular ones would be water, Bio-tech, Cannabis. Logic and investing are not as closely related as you may think. Any thesis is not right one hundred percent of the time. Different sectors may move in and out of leadership, which is normal. You should be knowledgeable about the investing universe so you can make informed decisions and choose the right for your risk tolerance, your time horizon, and your own unique financial objectives. Along these lines today we hear from Bill Studebaker president and chief investment officer of Robo Global. Robo Global runs the robotics and automation index ETF. Bill will explain exactly what all that means and his approach on investing in companies that are at the forefront of using robotics and artificial intelligence, rather than trying to segment out to companies that only specialize in that space.   Show Highlights: Background on Robo Global Robotics and automation index How personally Studebaker

We all like clean cut predictions but unfortunately stocks aren’t like the weather. It is impossible to know exactly when or how the market will fluctuate, which is why it is important to always be prepared. If you’re looking for the best solutions to manage and prepare your stocks for future market corrections, Kate Stalter is here to teach you how. Tune into this episode of Better Money Decisions for the best advice on how you can avoid major risks with your stock investments.    Show Highlights: Normal market correction  Making predictions for the market correction  Stock fluctuation  Buying in large  Runaway inflation  Uncertainty and risk  Determining retirement money  Being conscious of who you’re taking investment advice from  Preplanning investments  Looking at your current spending  Taking on market risk  Avoidable risks  Resources: Join the Better Money Decisions Facebook Group

The first step to money success is to build a good relationship with money, yet many of us are unaware of how to do that. Learning how to change your money mindset and limiting beliefs on money is the first step to financial freedom.  Barbara Huson is a money coach and financial expert with a plethora of tips on how to use money to live life on your own terms. Tune into this episode of Better Money Decisions with your host, Kate Stalter, to learn how to use your money to achieve your goals and live with the financial freedom you deserve.  Show Highlights: How love encourages self-acceptance  Being smart with money  The process of working with finances  Dealing with money beliefs  Having confidence to make smart money decisions  Fearing the consequences of intelligence  Collective learning about money  Openly talking about money  The wealth connection Creating a safe place to talk about emotions behind money  Finding individual values  Why it is important to create wealth  Living life unapologetically  Findin

At some point we’d all like to retire but what that looks like is different for all of us. No one wants to have to downsize their home, lack necessities, or have to work excessive hours in order to build up savings for retirement. Building up savings requires discipline and planning, yet many are unaware of how to do that. Fritz Gilbert, this weeks’ guest, is here to teach life lessons and valuable financial tips to help you build your retirement savings. Tune into this episode of Better Money Decisions with Kate Stalter to learn how you can start compound investing and building your net worth.    Show Highlights:   Retiring early  Being unprepared for retirement  Techniques to prepare for retirement  Advantages to saving later in life  Making difficult decisions  Resisting change  Reduction in lifestyle  How to begin planning for retirement early  Personal retirement stories  Lifestyle change  Finding balance  Keeping up with the Joneses  Being on the same page financially as your spouse  Recognizing the lo

It can be difficult to separate personal or political views from finances. Often times we see negative or positive things occurring in media and assume they change the trajectory of the financial market. As investors, we must learn to separate ourselves from cognitive biases when making financial decisions. Daniel Crosby is a financial advisor who wants to share the secrets to acquiring wealth and investing successfully with you. Tune into this episode of Better Money Decisions with your host, Kate Stalter, to learn how to identify any biases hindering your investing success and how to overcome it.     Show Highlights: A deep dive in cognitive investing  People believing their time is always the most volatile  Misunderstanding the market  Biggest behavioral issues in investors  Investing according to politics  Being optimistic about human potential  Overcoming being surrounded by negativity  Understanding broad market trends  Positive effects coming from negative things  How to be informed consumers  Transit

The industry around cannabis is growing rapidly and making monumental advancements. Many new products and technology have been developed that will not only benefit growers of cannabis, but will make a tremendous impact agriculturally.  While the majority of this industry is still in the shadows, Debra Borchardt, the Co-founder and Editor of Green Market Report, is here to help those who are interested in cannabis stock investments. Tune into this episode of Better Money Decisions with your host, Kate Stalter to learn all aspects of cannabis investing, economics, and the opportunities for you to make stocks a part of your investment portfolio.    Show Highlights: The initial attraction to starting this business  Penny stocks  Stock promotion  Listing requirements and IRS issues  Canadian companies and US exchange  401K benefits and umbrella companies  Challenges for individual or institutional investors  Publicly traded stocks  Legality of cannabis  Advances and indoor growing  Resurgence in depressed areas 

There are many factors to consider when getting a divorce, but finances may be the most important issue to get properly resolved. There are misconceptions that people have when it comes to financial division in divorce, but Nancy Hetrick is here to invalidate those misunderstood views and inform you on how to reach the best overall solution for your divorce financially. Tune into this episode of Better Money Decisions with Kate Stalter to learn how you can come to the most suitable and beneficial financial solution in your divorce.    Show Highlights:   CDFA growing in significance  Creating a different process for people  Optimizing property  Determining whether alimony should be paid  Deciding how to balance and adjust financially  Having support needed when you’re emotionally overwhelmed  Forgetting who the decision makers are  Not being willing to compromise  Limiting resources  Giving up  Betting the farm on a new relationship  Wanting guarantees and certainty  Helping people avoid litigation and the co

Sustainable investing is becoming a revolution that many of us may not be well informed on. Learning to spend your money and profit only off companies that align with your morals is fulfilling and impactful. Cliff Feigenbaum is the founder of the Green Money Journal, and actively promotes sustainable investing. Tune into this episode of Better Money Decisions with your host, Kate Stalter to learn how to invest your money more sustainably and make a difference in your environment.    Show Highlights:   Societal and Demographic changes that have influenced business  Investing long term  Personal accountability and transparency  Solutions coming in and approaching sustainability  Avoidance and community investing  Share-holder activism  Companies shifting to millennials and women  Being an entrepreneur with pushback  Getting influential people to contribute to your business  Making healthier food affordable to more people  Trends in impact investing  Growth in financial planning  Making a real impact  Making ne

A good financial advisor should be there to assist you in understanding your assets; frankly, that isn’t always the case. Many advisors take advantage of their clients and their lack of understanding. No one wants to be in this situation and facing uncertainty for their financial future. Tune into this episode of Better Money Decisions with Kate Stalter and Lorraine Ell to learn how to avoid a financial crisis and replenish your account.    Show Highlights:   Not putting up with subpar financial advisors  Horror stories of poor advisors  Being ignorant and stuck in the past  Finding new ways to help your clients  Advisors taking advantage of unaware clients  Advisors incentives and mutual funds  Suitability Rules  Working with someone you like but isn’t working in your best interest Ways clients aren’t being served  Women being discredited  The downfall of handling your own finances  Runaway inflation and bond portfolios  Achieving the best outcome for retirement    Resources: Brokercheck.com  Bettermoneyde

Socially responsible investing is something we can all do without settling for a low return rate. There are many ways you can find companies that fit your personal values and positively impact the environment, along with other people’s lives. With the right research and assistance, you can learn how to find these companies without having to jeopardize your return.  To learn how to invest ethically, sustainably, and support companies that aid foundations you care about, tune into this episode of Better Money Decisions with Kate Stalter.  Show Highlights: What socially responsible investing looks like  Using your funds to make a positive impact on something that matters to you Ethical Investing  Looking into investment candidates  Using governance to make investments  Not sacrificing your return to invest responsibly  Focusing deliberately on high returns and sustainability  How investors can force companies to make changes  Companies involved in other companies you don’t support  Institutions, Foundations, an

Purchasing a home is one of the most monumental investments an individual will ever make. Whether or not this investment will circulate revenue is always a risk, and sometimes it isn’t the smartest one. There are many factors to consider when investing and despite common belief, real estate may not always be your best answer.    In this episode of Better Money Decisions, Aaron Hendon will discuss practical advice on passive income, investing in the stock market versus real estate, the value of buying over renting, and so much more valuable advice. Tune into this episode of Better Money Decisions with Kate Stalter to learn how to make better investments and avoid common mistakes.  Show Highlights: Mistakes people make when investing in real estate  The risks of people in retirement having a mortgage payment Investments that have a higher return than real estate  Considering all of the factors that go into whether you should rent or buy  Understanding circumstances along with numbers  Why one size fits all is

There are many possible challenges when it comes to retirement, especially for women. The list of factors to consider are endless; from health care to income, to estimated life expectancy, it can be difficult to calculate. If you would like to learn how to manage and organize a financial retirement plan tune into this episode of Better Money Decisions with Kate Stalter.   “Women need to set aside 20% more than men for health care.” – Kate Stalter Show Highlights: Saving money for retirement as a woman  The gap between men and women’s retirement income  Women, money, power  Paying the bills  The purpose of being aware of finances, if your husband delegates the finances  Health care and longer life expectancy  A specialized approach to your personal situation  Planning to make sure you don’t outlive your money  Women working longer  Financial wellness for life  Resources: www.bettermoneydecisions.com          

Retirement is often something we don’t give much thought until it’s too late. There are many simple ways you can save to have money in the future, or to generate more income now. Marc Lichtenstein is a financial expert, the author of the book “You Don’t Have to Drive an Uber in Retirement”, and he has many easy tips that could help you start saving money now. Tune into this episode of Better Money Decisions with Kate Stalter to acquire quick and easily applicable tips to maintain your desired lifestyle.  “Saving for retirement, unfortunately, slips through the cracks for most people.”   Show Highlights: The Oxford Club  Generating more income  Complications with saving for retirement  Making sure you get protected when you lend money  Help savings accounts  Cutting costs  How to maintain your lifestyle  Things people do to save that you shouldn’t do  Why annuities may not be a good idea  Reverse mortgages    Resources: Goodrx.com  Oxfordclub.com  Wealthyretirement.com  Uberretirementbook.com  NY Times Artic

Today we're diving deep into the vault and airing this fantastic conversation with an amazing financial mind! He's and author, speaker, and financial advisor. He is Beau Henderson, and his book is The Rich Life: Ten Investments for True Wealth. What You’ll Hear from Beau: We must blend the principles of money and real-life into “Functional Financial Planning.” “A Rich Life” boils down to what people value, connect to, and what “lights” them up. Media that Beau uses most? Radio and Audible for reading books About his decision points early in his life, Beau says, “I’m the poster child for learning lessons from messing up!” Beau has a unique perspective of looking at life as a school curriculum that we have to repeat until we pass. An attitude of gratitude! “Life School”—how this realization hit Beau with a seven-figure debt! Beau learned the priceless lessons of risk, relationships, partnerships, and survival. “I was determined to learn the lesson and be better for it.” Listen to hear about the turning point t

Today we're going to be talking about whether or not a Reverse Mortgage is a good idea. This is a topic that there's a whole lot of misinformation about, so Kate has a fantastic guest on the show, to give you the truth of it. Wade Pfau actually wrote a book about the topic, so listen in as he clarifies this for you today. Wade, who's a Ph.D and a CFA, has been interviewed by Kate before, for US News and World Report. Wade is a Professor of Retirement Income in the PhD Program for Financial and Retirement Planning, at the American College of Financial Services, in Bryn Mawr,  Pennsylvania, where they offer a lot of great courses, in the Financial Services arena. Wade also serves as a Principal and Director of Retirement Research for McLean Asset Management and he hosts the Retirement Researcher website, as an educational resource for individuals and Financial Advisers. He also holds a Doctorate in Economics from Princeton and he frequently publishes in a number of Academic and Practitioner Research Journals. L