57 episodes

The Every Dollar Counts Podcast with Josh & Jay is made for and dedicated to those folks serious about their financial plan. Josh Null and Jay Stubbs dedicate their time to dissecting and explaining the various investment & insurance services and products available to consumers, as well discussing lifestyle interests of the dedicated investors. Josh and Jay are also often joined by the best and brightest guests from our industry.

Every Dollar Counts with Josh & Jay Josh Null

    • Business

The Every Dollar Counts Podcast with Josh & Jay is made for and dedicated to those folks serious about their financial plan. Josh Null and Jay Stubbs dedicate their time to dissecting and explaining the various investment & insurance services and products available to consumers, as well discussing lifestyle interests of the dedicated investors. Josh and Jay are also often joined by the best and brightest guests from our industry.

    We're Living A Country Song

    We're Living A Country Song

    As Hank Williams Jr sang, "The interest is up, and the stock market's down.". In this Part 3 of a 3 part mini-series on current market conditions, Josh and Jay discuss the top of mind topic for most consumers right now, inflation. From home goods, construction materials, energy, groceries, transportation, fuel, gas, traveling, heck, even Chick-Fil-A, consumers are dealing with rising costs across a variety of goods and services. Some companies are combating that with what's called "shrink-flation" but even so, the inflation numbers being published are still at historic highs. The hosts discuss and explain how inflation is actually a measure of the rate of change and how core inflation is different from the overall inflation rate. They also discuss the similarities and differences to what America experienced in the late 1970s and early 1980s. Lastly, the hosts discuss "momentum investing" and how that might be a potential tool for investors to participate in those industries that are doing well in this economy.


    Want To Continue The Conversation?
    You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

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    Disclosure:
    Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
    Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

    • 22 min
    Bear vs Bull Markets

    Bear vs Bull Markets

    There’s an old investing saying: “Fortunes are made in bear markets and collected in a bull market”. In this episode, Josh and Jay discuss the difference between bear markets and bull markets, and why that matters to investors. The guys also discuss the impact of emotion on the market, particularly in the short run, and why that could potentially work in the favor of investors that look at fundamentals. What role does your investing strategy play into how you feel about current stock market conditions? Tune into this episode, then jump back to Ep 55 where we discuss how a investor’s holdings and strategies may be affecting their emotions disproportionately, especially if they had pursued a “Fear of Missing Out” investing strategy.

    Want To Continue The Conversation?
    You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

    //////


    Disclosure:
    Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
    Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
     

    • 18 min
    Fear of Missing Out (FOMO)

    Fear of Missing Out (FOMO)

    From “the next google” stocks, to penny stocks, dot.com stocks, meme stocks, or even crypto, there’s typically both social pressure applied to investors to not miss out on the next big thing, but also their own internal feelings of not wanting to “miss” out. This “Fear of Missing Out” or FOMO as it’s referred to, typically builds as a bull market is extended and certain investments possibly grow faster than their underlying value would dictate. In this episode, Josh and Jay discuss both fear of missing out, and discuss the difference between “gambling” versus utilizing a diversified, purposely constructed diversified portfolio. The hosts even get to relieve a little bit of the dot.com bubble, as both had just graduated college as that era was heating up. Been burned by the market recently? Tune it to hear about possible different approaches to your investing strategy.  
     
    Want To Continue The Conversation?
    You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

    //////


    Disclosure:
    Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
    Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

    • 22 min
    How To Pay For Long Term Care

    How To Pay For Long Term Care

    Josh and Jay discuss the different ways to pay for an extended healthcare event, or long-term care as it’s commonly referred to. Long-term care events can be one of the biggest destroyers of wealth that a family will encounter. How should you plan for an extended health care event? Should you put money in the bank? In a dedicated investment account? Or should you look at insurance products, and if so, what different types are available? All of these questions and more will be discussed in this episode!


    Want To Continue The Conversation?
    You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

    //////


    Disclosure:
    Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
    Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

    • 21 min
    Interest Rates and Income Annuities

    Interest Rates and Income Annuities

    Interest rates are rising, and there are certain plans for the Fed to continue to increase the Fed funds rate. For pre-retirees and retirees looking at the purchase of an income annuity to help fund their retirement, or those folks with a pension backed by an insurance company provided annuity, how does rising rates affect the payout of their annuity? In this episode, Josh and Jay discuss how a rising interest rate environment affects income annuities. The hosts also briefly run down the different types of fixed income annuities. For those of you in an annuity, or looking to purchase an annuity, particularly if you’re in the retirement “red zone” of 5 years or less until retirement, tune in to learn more!


    Want To Continue The Conversation?
    You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

    //////


    Disclosure:
    Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
    Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

    • 16 min
    What is Risk Tolerance?

    What is Risk Tolerance?

    In this episode, Josh and Jay discuss a phrase many investors have heard but may not fully understand: risk tolerance. What is risk tolerance? Why does it matter when you’re setting up your investment accounts? How do you determine your risk tolerance? Josh and Jay quickly go thru his company Gulf Coast Financial Advisor’s risk tolerance questionnaire to give the listeners a feel for the types of questions that determines their risk score. For many investors, it’s all about the pillow test – can you sleep well at night after watching your investments change in value?

    Want To Continue The Conversation?
    You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.


    //////



    Disclosure:
    Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
    Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

    • 25 min

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