Dollars&Sense Nelson Financial Planning

Dollars&Sense Nelson Financial Planning

💵 About Dollars & Sense: 💵 Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 💥 Make sure you subscribe so you never miss an update. 👉 Visit our website: NelsonFinancialPlanning.com for more resources and to connect with our team of Certified Financial Fiduciaries. About Joel Garris: Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions. Offering securities through Nelson Ivest Brokerage Services, Inc, Member FINRA, MSRB & SIPC. Please note that these broadcasts are intended for general informational purposes only as individual situations may vary. The views expressed are those of the speaker and are subject to change at any time. Statements made should not be relied upon as a recommendation or solicitation. When discussed, past performance is no guarantee or indication of future results.

Episodes

Holiday Spending Smarts & The Gift of Financial Planning: Should You Try "No Spend January"?

December 22, 2025 • 40 mins
Discover budget-friendly holiday tips and creative gift ideas on Dollars & Sense 
In this festive episode of Dollars & Sense, hosts Zach Keister and Rob Field dive into the emotional and financial realities of holiday spending. The show kicks off with lighthearted banter about holiday traditions and a playful debate over whether “Die Hard” counts as a Christmas movie, setting the stage for practical advice on surviving the s...
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Navigating the Corporate Transparency Act & IRA Rule Changes

December 15, 2025 • 39 mins
In this week’s episode of Dollars & Sense with Joel Garris, Joel dives into two urgent questions facing American investors and retirees: How will the Corporate Transparency Act (CTA) affect your business, and are you prepared for the costly pitfalls of inherited IRA rules? 

First, Joel unpacks the latest developments in the Corporate Transparency Act, including an interview with Simon Conway. Listeners learn why recent rule chan...
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Overpaying for Medicare? Plus, Impactful Philanthropy Strategies

December 8, 2025 • 40 mins
Discover How to Manage IRMAA, Avoid 401(k) Mistakes, and Make Your Giving Go Further! 
Unlock the secrets to smarter financial planning in this week’s episode of Dollars & Sense with Joel Garris! Joel breaks down three hot topics that can impact your wealth and peace of mind: 
  • IRMAA & Medicare Premiums: Confused about why your Social Security check is smaller? Learn what IRMAA is, how it affects your Medicare costs, and p...
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Is Your Estate Plan Complete? Plus, 7 Habits of the Stealthy Wealthy

December 1, 2025 • 38 mins
On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans. 

Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you throu...
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Are You Maximizing Your 401k? And What Can You Do To Protect Yourself From AI Scams?

November 24, 2025 • 39 mins
Curious about the latest retirement updates and how to safeguard your finances in a digital world? In this engaging Thanksgiving episode of Dollars & Sense, hosts Joel Garris and Chet Cowart kick off with holiday traditions and a brief history of Thanksgiving, then dive into timely financial topics that matter to every listener. 

The episode covers newly announced 2026 contribution limits for 401ks and IRAs, including special ca...
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Latest Tax Deductions and Vital Estate Planning Tips to Prevent Beneficiary Mistakes

November 17, 2025 • 40 mins
In this episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries. 

The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotl...
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Rent or Buy? The pros and cons of homeownership. Plus, Is AI hype the next tech bubble?

November 10, 2025 • 39 mins
Welcome to this week’s Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today’s crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves. 

First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon’s massive AI p...
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Leveraged ETFs & The Rent vs. Buy Dilemma: Unlocking New Wealth Strategies

November 3, 2025 • 40 mins
In this episode of Dollars & Sense, Joel Garris and Christina Lamb tackle two of the most pressing topics in personal finance: the power—and pitfalls—of leveraged ETFs, and the shifting wealth equation for young Americans deciding between renting or buying a home. Listeners will discover why leveraged exchange-traded funds can supercharge returns but demand careful strategy and constant attention, as Joel and Christina break do...
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AI’s Investment Impact, RMD Strategies, and Ladybird Deeds

October 27, 2025 • 38 mins
In this episode of Dollars & Sense with Joel Garris, listeners are treated to an insider’s perspective from a prestigious investment conference attended by just 100 select guests and hosted by one of the world’s largest asset managers. Joel kicks off with a deep dive into the hottest topic in finance—Artificial Intelligence (AI). He explores AI’s growing influence on investments, the labor market, and society, highlighting both...
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Economic Headlines, Wealth Transfer, & Couples with Staggered Retirement Dates

October 20, 2025 • 40 mins
In this can’t-miss episode of Dollars & Sense, hosts Joel Garris and Zach Keister tackle the timely topics reshaping America’s financial landscape. They kick off with a deep dive into tariffs—cutting through the headlines to reveal how the U.S. economy remains resilient, why the actual costs may be less than you think, and what you can do to protect your portfolio.

Next, they demystify the Great Wealth Transfer, exposing the gap...
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Estate Planning Essentials & Navigating Property Transfers: Key Insights for Securing Your Financial Legacy

October 13, 2025 • 38 mins
In this episode of Dollars & Sense, host Joel Garris breaks down the critical steps to "die better"—or at least be better prepared—by mastering the essentials of estate planning. Drawing from Chapter 19, "Death: The Other Certainty," of the Next Gen Dollars and Sense book, Joel shares practical advice to help listeners avoid common estate planning pitfalls and protect their loved ones. The episode highlights the different ways ...
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401k Changes, Alternative Investment Options, Tax Shifts, & Retirement Account Consolidation

October 6, 2025 • 38 mins
n this episode of Dollars & Sense, hosts Kristin Castello and Chet Cowart dive into the hottest topics shaping your retirement future, including the latest proposed changes to 401k investment options and critical updates to catch-up contributions for those aged 50 and above. If you’re curious about how alternative investments like crypto and private equity might soon enter your 401k, or how upcoming tax regulations could affect...
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Today’s Market Insights, Paper Stock Certificates, & Retirement Prep

September 29, 2025 • 38 mins
In this engaging episode of Dollars & Sense with Joel Garris, listeners are taken on a journey through the fascinating world of old paper stock certificates and the essential steps to cashing in on these historical treasures. Did you know there could still be $780 billion in forgotten paper stocks out there? Joel explains how to uncover their value, navigate the process of redeeming them, and avoid leaving money on the table. 

T...
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Medicare Myths Debunked plus Navigating Divorce's Financial Impacts

September 22, 2025 • 40 mins
In this episode of Dollars & Sense, Joel Garris and Rob Field take listeners on a practical journey through two crucial areas that impact your wallet—Medicare Advantage and the financial aftermath of divorce. Joel shares real-life insights about enrolling in Medicare Advantage plans, revealing common myths, what to watch out for during the enrollment period, and how to avoid costly mistakes. The duo also dives into the often-ov...
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Strategies for strong money habits and psychological insights for your financial future

September 15, 2025 • 38 mins
Ready to take control of your finances and break free from the mental traps that sabotage your savings? In this episode of Dollars & Sense, hosts Joel Garris and Zach Keister share their expert advice on building stronger personal financial habits, including face-the-numbers budgeting and the power of automating savings. But they don't stop there—they dive deep into the surprising ways your mind can trick you through cognitive ...
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Mastering Financial Risks & Estate Executor: Build Confidence for Whatever the Future Brings

September 8, 2025 • 38 mins
Are you prepared to safeguard your financial future and tackle the challenges of estate settlement? In this episode of Dollars & Sense, we dive deep into the essentials of risk management—from understanding investment volatility to balancing risk and reward for lasting financial health. Discover practical strategies like diversification, setting clear financial goals, and building emergency funds to protect what matters most. 

B...
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Your roadmap to retiring early and mastering Required Minimum Distributions

September 1, 2025 • 39 mins
Ready to supercharge your retirement strategy? In this episode of "Dollars and Sense," host Joel Garris tackles two of the biggest questions facing today's retirees: how to check off the 5 essential boxes for early retirement, and how to demystify Required Minimum Distributions (RMDs) so you can keep more of what you’ve earned. 

Discover the crucial steps you must take if you’re dreaming of leaving the workforce before age 65 — from...
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Unlocking Tax Deductions to your Advantage

August 25, 2025 • 39 mins
Ready to make the most of your taxes in 2025 and beyond? In this value-packed episode of Dollar & Sense, Joel and Kristin break down the latest game-changing updates to tax deductions, with a spotlight on the new senior deduction and major changes for charitable contributions. Discover how seniors can benefit from a $6,000 deduction—even if they're not yet on Social Security—and learn the income thresholds you need to know to q...
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College Costs & Investment Fears: Smart Moves for Your Future

August 18, 2025 • 39 mins
On this episode of Dollar & Sense, hosts Joel and Chet dive into two hot topics that are reshaping financial futures: the rising cost of college and the common fear of investing. Whether you’re sending kids back to school or gearing up for your own academic journey, you’ll get eye-opening insights into how families are really paying for higher education—and smart alternatives that can save you from years of debt. 

But that’s not...
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No Tax on Tips & Economic Trends: How new tax laws and shifting markets could reshape your wallet.

August 11, 2025 • 39 mins
This episode of Dollars & Sense puts the spotlight on the economic headlines shaping your future. Get an insider’s look at the landmark OBBB tax bill, including powerful updates like “Trump accounts,” zero tax on tips and overtime, and a fresh car loan deduction. Our experts break down the practical impact of these changes on everyday finances, revealing who stands to benefit and how. 

We also analyze the latest economic data, f...
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