Being in the heart of income tax time, Chris Boyd, Jeff Perry, and Russ Ball
remind listeners of key upcoming filing dates and related retirement account contribution
limits. Jeff and Russ discuss the differences between traditional IRAs and Roth IRAs.
Chris explains the use of a “back door” Roth IRA and Roth conversions. Chris also
advises listeners how 1099’s work with Qualified Charitable Distributions (QCDs).
Chris ends the ep...

With all the market volatility related to tariffs, Chris Boyd invites
Senior Portfolio Manager Brian Regan on the podcast. Also joining the episode is Jeff
Perry and Russ Ball. Chris and Jeff open the show with a summary of the latest tariff
moves by President Trump as well as commentary why tariffs can be an effective or
harmful tool in political and economic arenas. Brian responds to questions from the
AMR Team related to his vie...

 The founders of Back Nine Nurses, Deborah O’Kelly and Kristen
Hyde join Chris Boyd and Jeff Perry for an in-depth conversation about how they are
responding to the growing needs of senior citizens and their families for trusted,
personalized, and compassionate navigation during times of transition and uncertainty
related to aging. Topics include homecare, assisted living, medical advocacy, hospice,
and the need for advanced estate...

Chris Boyd and Jeff Perry welcome Dr.Laura Mattia to the podcast. The conversation focuses on the premise that while money is not the key to happiness, using it wisely can help us pursue our dreams, elevate our status, gain independence, and contribute to meaningful change in the world. The trio digs into why many married women are not involved in the personal finance and
investment decisions of their household and the risks associ...

Is 80% enough? – Chris Boyd and Jeff Perry explore the question of how much you
will likely be spending in retirement. The pair begins the conversation with the age-old
rule that retirees only need 80% of their pre-retirement income in retirement. Chris and
Jeff explore the “retirement smile” and how it can be a good predictor of retirement cash
flow. More than just a podcast about money, Chris and Jeff discuss the various ways
man...

Family Planning – not what you are probably thinking? – Families talk about finances
in different ways. Some are incredibly open about the realities of their financial
situations; some only discuss it when they need to; others consider talking about money
as off-limits. If your family isn’t having open and honest conversations about finances
and wealth, it’s time to reevaluate. Chris Boyd and Jeff Perry dig into these issues and
...

Challenges to an early retirement – Chris Boyd and Jeff Perry explore the risks and
challenges to retiring early. Chris and Jeff start the episode with how some clients have
an undefined desire to retire early, and frequently fail to consider the various details.
Chris outlines why savings must be abundant as an earlier retirement means not only
spending sooner, but also fewer years of savings and less compounding as you spend
asse...

Fires - Are You Properly Covered? – With the recent fires in California, many
homeowners across the country are wondering if they are properly covered. Chris Boyd
welcomes Special Guest Doug MacDonald, CPCU to the episode. Joining them is Jeff
Perry. The conversation begins with an outline of what homeowners’ insurance covers
and what it does not. Specific topics reviewed include coverage limits, earthquakes, and
flood risks. Doug ...

How much can I take? – How retirees determine a safe withdrawal rate is one of the
most frequent questions clients ask their financial advisors. Chris Boyd, Jeff Perry, and
Russ Ball review a recent Morningstar article (see link below). The conversation
includes the pros and cons of relying on the standard rate of 4% as well as the risks of
using stagnant rules in financial planning. Jeff raises the concept of cash flows as
suggest...

Free Yourself – Chris Boyd, Jeff Perry, and Russ Ball dig into the value of time and
when engaging a financial advisor can have a meaningful impact on free time as well as
your financial plan. The trio share commentary how handing over the reins of your
portfolio can reclaim precious hours, rediscover your passions, and live a life enriched by
experiences and moments that money alone cannot buy. The AMR Team is offering a
complimen...

What’s new for Social Security in 2025? – With some 73 million Americans relying on Social
Security for monthly income, there is a lot of interest in the recent changes to Social Security
benefits. Jeff Perry and Russ Ball discuss the recent updates, including the repeal of the Windfall
Elimination Provision (WEP), 2025 cost of living adjustment, and changes to income levels
related to income taxes. Jeff and Russ informed listeners...

To convert or not…that is the question – If the title of this podcast captured your attention, let
us be clear from the outset that there will not be any religious recruitment efforts forthcoming.
What we will be digging into is the question of whether you should convert some or all of your
assets from a traditional individual retirement account (IRA) to a Roth IRA. Jeff Perry and Russ
Ball explore the advantages of a Roth conversi...

Will your wishes be followed – Inspired by the HBO/MAX series The PITT, Chris Boyd, Jeff
Perry, and Russ Ball discuss the need for a comprehensive estate plan and how families can sadly
be torn apart without appropriate planning. Jeff reviews the foundational documents of an estate
plan. Chris and Russ outline the family conflict that is present in The PITT. The dialogue
continues with suggestions how family strife can be avoided w...

Navigating life’s milestones – Chris Boyd opens this episode with sharing a personal story
concerning the recent passing of his first financial planning client. Chris, Jeff Perry, and Russ
Ball discuss how working with a financial planner in the different seasons of life can provide
great benefit. The trio offers further commentary of the various ways a financial planner can
assist individuals/families who are just getting started,...

Trump’s Taxes, Tariffs, Immigration & the Market – With the inauguration of President Trump, the focus is shifting from political rhetoric to actual governing. Chris Boyd, Jeff Perry, and Russ Ball dig into the likely economic policies of President Trump and how they may impact the financial markets. Topics include, income taxes, tariffs, immigration, deregulation, cryptocurrency, budget deficits/debt, and TikTok.
For more informat...

Dogs of the Dow – In this episode, Chris Boyd and Team AMR look into the Dogs of the Dow
strategy where an investor annually invests in the ten stocks with the highest dividend yield
listed on the Dow Jones Average. Senior Portfolio Manager Brian Regan offers commentary of
why this strategy is not the best option for investors who wish to own individual stocks. The
conversation includes dialogue about investing for value versus gro...

Want to Buy or Sell a Business? – Owner of Compass Business, LLC Doug Cabral joins this
episode for an in-depth conversation on the process and challenges of buying and selling a small
business. Doug, Chris Boyd, Jeff Perry, and Russ Ball dig into a variety of issues involved,
including maintaining confidentiality, putting a valuation on an ongoing small business, whether
a franchise is a good option, and financing a transaction. D...

Social Security Fairness – With the repeal of Social Security’s Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), Chris Boyd, Jeff Perry, and Russ Ball share this breaking news and what it means to over three million people who will see an increase in benefits.  The discussion starts off with a review of the 30+ year history of these provisions.  Jeff outlines...

The rise of the ETF – Chris Boyd shares his commentary about the increasing use of
Electronically Traded Funds (ETFs). Chris references a recent paper by JP Morgan which shows
that ETFs are not just being used for a passive style of investing. Chris explains how ETFs and
Mutual Funds are structured. Jeff Perry and Chris outline the pros and cons of using an ETF for
actively managed funds, including the ease of buying/selling, under...