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

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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Private Equity Traps & Alzheimer’s Action Plans: Money Moves You Need To Hear

August 4, 2025 • 39 mins
Ready to outsmart the latest financial fads and futureproof your family’s well-being? This episode of Dollar & Sense is packed with candid truth and practical guidance you won’t want to miss. 

We pull back the curtain on the buzz around private equity—why are financial giants suddenly pushing these investments, and what’s lurking in the fine print? Discover the hidden risks, high fees, and pitfalls most investors overlook, plus ...
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New Tax Breaks, Tariffs, and Investment Insights: Dollars & Sense Unpacks the Big Beautiful Bill

July 28, 2025 • 38 mins
This week, hosts Zach and Christina bring their signature blend of expertise and energy to help you navigate some of the hottest financial topics of the season. 

From family adventures to the practical impact of new tariffs hitting on August 1st, you’ll hear personal anecdotes and professional guidance that make complex policies easy to understand. Discover how the latest tariff changes could affect your wallet, business, and even y...
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Q2 Market Surprises, New Tax Law Details & The 10 Biggest Retirement Pitfalls

July 21, 2025 • 40 mins
We break down the wild swings of Q2 2025 markets (did you know it was the first time since 1938 the S&P 500 was both up AND down 10%+ in a single quarter?! 🤯), explain what the massive new tax bill really means for your wallet (spoiler: most 2017 tax cuts are here to stay 🏛️💸), and dive into the 10 ways to fail at retirement—based on the latest AARP insights. Are you ready to dodge the biggest hazards to your money, health, ...
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Startup Tips, Retirement Spending, and Parenting Young Grads with Their Finances

July 14, 2025 • 43 mins
In this insightful episode of "Dollars & Sense," we dive into three financial topics that resonate with many of us. First, we explore the journey of setting up a business, breaking down the common pitfalls, hidden costs, and strategic choices that can make or break your entrepreneurial success. Whether you're launching your first startup or considering a side hustle, these tips will save you time, money, and frustration. 💼📄 

N...
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Property Investments, Social Security Shake-Ups & the Future of Retirement Benefits

July 7, 2025 • 39 mins
Hosts Rob Field and Kristin Castello share practical insights on evaluating real estate as a passive income stream—covering the numbers, the pitfalls, and common misconceptions from rapid home appreciation during the pandemic years. Learn about the true costs, time commitments, and the less obvious tax implications of rental ownership, including depreciation, passive loss rules, and how to plan for those tricky negative returns. 
 
S...
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Social Security Shifts & Sneaky Spending Habits

June 30, 2025 • 38 mins
On this episode of Dollars & Sense, Joel and Zach dive into two critical financial topics you don’t want to miss!

First, they break down the latest Social Security updates, including why benefits might be reduced sooner than expected and what you can do to prepare. Then, they reveal four sneaky ways you might be spending money without even realizing it—from autopay subscriptions to those tempting impulse purchases. 💳💡 

💥 Plus,...
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Are Model Portfolios Serving You? Plus, Exciting Changes for 529 College Savings Plans!

June 23, 2025 • 38 mins
On this week's episode of Dollars & Sense, we dive into two hot financial topics that could impact your wallet and your future investments! 
  • Model Portfolios: Did you know assets in model portfolios surged to a record $8 trillion this year? Find out the pros and cons of these pre-packaged investment options and why you need to ask your financial advisor the right questions to truly know what you own. Are these portfolios hel...
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Overlooked Retirement Challenges & Housing Market Buyer-Seller Gap

June 16, 2025 • 37 mins
his week’s episode of the Dollars & Sense Financial Podcast dives deep into two crucial financial topics: the emotional and logistical challenges of retirement and the shifting dynamics of the housing market. Hosts Joel Garris and Chet Cowart explore the often-overlooked aspects of retirement, from combating loneliness to crafting a meaningful routine. They also analyze the current real estate landscape, highlighting the imbala...
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The Tough Topics: Talking Money with Kids & Tackling the Survivor’s Penalty

June 9, 2025 • 40 mins
In this episode of the Dollars & Sense Financial Podcast, host Joel Garris dives into two essential and often overlooked topics: how to discuss finances with your kids and how to prepare for the survivor’s penalty when losing a partner. 💬💰 

Joel begins by addressing the taboo nature of financial conversations within families. He highlights the importance of teaching the next generation about money management, providing practic...
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Path to Becoming a Millionaire & Smart Portfolio Rebalancing Tips

May 26, 2025 • 40 mins
Looking to unlock the secret to millionaire status while keeping your investments on track? This week's episode of Dollars & Sense dives into the surprising path most U.S. millionaires take—hint: it’s not a get-rich-quick scheme—and reveals how consistent retirement contributions can transform your financial future. 💵💡 

Plus, we’re tackling the essentials of portfolio rebalancing! Learn when and why it’s time to adjust your in...
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