Something More with Chris Boyd

Aging Plans with Annalee Kruger– Chris Boyd and Jeff Perry
welcome Annalee Kruger of Care Right, Inc., and co-owner of Plan4LifeNow to this
episode for an important discussion of when and how a comprehensive Aging Plan
should be developed.  Topics covered include “Red Flags” that family members should
look for with aging family members, when and how to step in and offer assistance,
caregiver burnout, emotional issues and financial ...

International Day of Charity (release on 9/05/24) – In recognition of the International
Day of Charity, Chris Boyd and Jeff Perry discuss different ways individuals with a
chartable intent and who are concerned about income taxes may wish to make charitable
donations. The duo has an active dialogue about the pros and cons of Donor Advised
Funds, Charitable Remainder Trusts, and Charitable Annuities. Chris and Jeff also
discuss the ...

Alphabet Soup- Attorney Keats Boyd joins Chris Boyd and Jeff
Perry for a wide-ranging conversation about the impacts of recent items in the legal and
political news, including the Corporate Transparency Act, Non-Compete Agreements, the
Moore vs United States decision on unrealized gains being taxable, and the new rules on
how listing and buyer real estate agents/brokers compensation has changed. Attorney
Boyd also discusses his upc...

Take a moment, step back, and ask how do I want to be remembered?  

While most of us don’t wish to contemplate our own death, doing the
necessary estate and financial planning and having the appropriate family conversations
can mean a lot more than simply leaving a financial legacy for your family. Chris Boyd
and Jeff Perry share experiences and client stories that demonstrate why having your
affairs in order is a wonderful gift to...

Why we ask the questions we ask  – Chris Boyd and Jeff Perry
explain why financial advisors ask so many questions. Many of the questions may not
seem relevant to the creation of a financial plan. The conversation starts with the first
meeting which Chris calls the “getting to know you meeting” and follow up document
gathering. Subjects covered include a wide variety of financial planning topics, goal
setting and how one’s goals sho...

Estate Planning  – With all the changes to the laws regarding estate
planning and income taxes, Chris Boyd and Jeff Perry welcome Attorney Keats Boyd to
the program. The conversation starts out with some basic estate planning techniques. The
topics evolve into an in-depth dialogue on Trusts, Secure Act, Tax Cuts & Jobs Act, and
Roth Conversions. Attorney Boyd also mentions his upcoming seminars and how to
register (see link bel...

Is Money the Main Concern of Retirement? – Chris Boyd and Jeff Perry begin this
episode with a review and commentary on the economic news of the week, including PPI,
CPI, Retail Sales, and Unemployment data. Chris and Jeff then turn to the non-financial
aspects of retirement planning, including deciding how you will allocate new found time
in retirement. Of course, most areas discussed revert to related financial issues, such as
th...

Planning for College – Cozy Whitman of College Inside Track joins Chris Boyd and Jeff
Perry to discuss the many challenges of planning for college. The conversation starts out
with an announcement that the Free Application for Federal Student Aid (FAFSA) will
not be available on the scheduled date of October 1 st . Topics covered during the podcast
include the rising cost of college, how to start the college search, ways to save fo...

New RMD rules are here! - The Internal Revenue Service (IRS) has finally issued the
regulations related to the SECURE 2.0 Act. Chris Boyd and Jeff Perry provide the
details of the new rules and advice on different strategies for Required Minimum
Distributions (RMD) from retirement accounts. After reviewing the new regulations,
Chris and Jeff talk about a variety of commonly asked questions about RMDs for 401K’s
and IRA’s.
For more ...

So much in the news – should investors worry? – If you have spent any time watching
the news lately, it is easy to become worried about how your finances and investments
might be negatively impacted. Chris Boyd and Jeff Perry dig into several items in the
news this past week, including growing tensions between Israel and Iran, increased stock
market volatility, unemployment data rising, and the upcoming election season. Chris
and J...

In this episode recorded on Thursday, August 1st, Chris and Brian dive into the key insights from the recent client webinar. They review the outlook for risk and opportunities, explaining their strategic shift from an overweight position in Mega Cap Growth stocks to a more diversified approach, including Small Caps, Utilities, and buffered risk strategies. The discussion also covers interest rate moves by the Fed, the impact of mar...

Social Security ins and outs (Part 2 of 2) – Marcia Mantell of Mantell Retirement
rejoins the program with Chris Boyd and Jeff Perry for a continuing conversation on the
topic of Social Security. The trio starts out with an explanation of how Social Security
benefits are calculated. Chris and Jeff present a series of special circumstances and how
they can impact one’s Social Security benefits. Topics of discussion include the Windf...

ERISA and Medicare (Part 1 of 2) – Marcia Mantell of Mantell Retirement joins Chris
Boyd and Jeff Perry. The segment starts off with the recognition that the Employee
Retirement Income Security Act of 1974 (ERISA) is about to turn 50 years old! Marcia
outlines the history and goals of ERISA. The conversation turns to a detailed review of
the Medicare program, numerous nuances and challenges people face, including the
Medicare incom...

Investment Fallacies – Chris Boyd and Jeff Perry review a recent Morningstar article
(see link below) about investment fallacies. The pair have an in-depth conversation about
a variety of financial planning beliefs (which may or may not be true), including the
pending demise of Social Security, lower expected equity/stock returns, the limits of
index investing, and the belief that one can be too old to benefit from a financial plan...

How likely are you to need Long-Term Care? Chris Boyd and Jeff Perry dig into the
data on the average incidence and duration of long-term care needs and who is most
likely to have a severe, sustained, long-term care incident. During this episode, Chris and
Jeff review a recent article from Morningstar (see link below) which outlines the
likelihood of a sixty-five-year-old needing some type of long-term care. The
conversation review...

Which of these things doesn't belong? – Do you know what types of investments are
legally prohibited from being in an individual retirement account (IRA)? Chris Boyd
and Jeff Perry outline in detail the various categories of investments that are not allowed
to be inside an IRA. The conversation turns to a detailed dialogue of investments that
may be lawfully allowed but may not be a wise choice for an IRA. Topics covered in this
in...

Including family in your financial planning – While many people wish to keep their
financial planning completely private, as one ages, it can be prudent to inform family
members of your financial planning, estate planning, and help that may be needed from
the family. Chris Boyd and Jeff Perry dig into this subject as Chris shares a personal
story about his oldest client who recently passed away. The conversation includes
situations...

Inflation falling, markets rising – Fresh off the Consumer Price Index (CPI) report, Chris Boyd and Jeff Perry discuss recent economic data and how it is impacting markets and the Federal Reserve’s posture on interest rates.  Jeff summarizes recent stock market returns and reviews the AAII Investor Sentiment Survey (see links below) and Chris comments on whether now is a good time to ta...

Lessons from the Morningstar Investor Conference – After attending the Morningstar
Investors Conference, Chris Boyd summaries lessons learned. Chris starts out by sharing
a chance meeting with legendary investor Mario Gabelli. Chris goes on to share what he
took away from Morningstar’s CEO Kumal Lapoor’s comments at the Conference which
in part predict lower stock market returns over the next ten years. Chris and Jeff go on to
deba...