Financial Detox® Show

Jason Labrum

Welcome to the Financial Detox® Show—a show that's dedicated to helping you retire with confidence. Your host, Jason Labrum is a Certified Financial Planner and Founder of Intelligence Driven Advisers. For over 20 years, he's shown people how to steer clear of toxic advice, achieve financial peace of mind, and manage their wealth for maximum impact—and now, he wants to empower YOU to do the same! Join Jason and his co-host Alex Klingensmith every other week, as they simplify the complex, share industry secrets, and provide proven strategies that will take YOU from financial insecurity to financial independence. Topics will cover retirement planning, financial planning, estate planning, tax saving strategies, investment management, 401K, alternative investments, stocks, bonds, portfolio allocation, business strategies, business advice, and much more.

  1. 5 DAYS AGO

    High Yield Doesn't Mean High Income

    Does high yield actually mean high income?   A lot of investors see a high-yield bond, REIT, BDC, dividend stock, or income product and assume the same thing: higher yield means better income and better returns.   But that assumption can be dangerous.   Today on Financial Detox, Jason and Alex break down the hidden risks behind chasing yield, why high-yield investments are often misunderstood, and how investors can end up taking on far more risk than they realize.   What we cover today: 📌 Why "high yield" does not automatically mean strong total return 📌 Jason's personal mistake chasing a 10% yielding investment 📌 How return of capital can create the illusion of income 📌 Why leverage can quietly turn yield into risk 📌 The difference between yield, cash flow, and total return 📌 Why high-yield products often hide complexity in the fine print 📌 How market volatility can expose weak income strategies 📌 Why understanding the source of yield matters more than the percentage itself   If you've ever been tempted by a high-yield investment or wondered whether income products are really as safe as they sound, this episode will help you think more clearly about the tradeoffs, the risks, and the right way to evaluate yield.   💬 Want Help Reviewing Your Portfolio? If you'd like help understanding whether the yield in your portfolio is sustainable, or whether you may be holding more risk than you realize, schedule a no-cost, no-obligation consultation with our IDA Wealth team.   📺 Watch us on YouTube   Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice. This episode discusses "yield" versus "total return" using historical examples for illustrative purposes only. These examples do not represent the performance of any specific investment or client portfolio. Past performance does not guarantee future results, and actual outcomes will vary based on market conditions, fees, and individual circumstances. Data presented is sourced from third-party providers, including Bloomberg, Preqin, and J.P. Morgan Asset Management (including "U.S. Private Credit vs. U.S. High Yield," data as of May 9, 2024, and "Correlations, Returns and Yields"). These sources are believed to be reliable but have not been independently verified and are provided for informational purposes only. Higher risk or volatility does not guarantee higher returns, and investments with greater risk may experience greater losses. References to the "risk-free rate" or yields on U.S. Treasury securities (e.g., "in the high 3% range") reflect general market conditions at a point in time, are subject to change, and are not guaranteed.  All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. No statement in this episode should be interpreted as a promise of performance, or a guarantee of results. Intelligence Driven Advisers ("IDA") does not provide specific tax or legal advice. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For additional information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A and Form CRS, available at www.idawealth.com.

    17 min
  2. 24 MAR

    Is AI the Next Dot-Com Bubble?

    Is AI the next dot-com bubble?   The rise of artificial intelligence has created massive excitement in the markets. Investors are pouring into AI stocks, valuations are expanding, and a handful of companies are dominating performance.   Sound familiar?   For many, it feels a lot like the late 1990s. But is this truly a repeat of the dot-com bubble, or is something fundamentally different this time?   Today on Financial Detox, Jason and Alex break down the similarities, the differences, and what investors need to understand before making big decisions in today's AI-driven market.   What we cover today: 📌 How today's AI boom compares to the 2000 dot-com bubble 📌 Why market concentration in the top stocks is a growing risk 📌 The key difference: real earnings vs speculative hype 📌 Why the "Magnificent 7" may already be breaking down 📌 The 10-17 year recovery periods investors often forget 📌 How investor psychology shapes decision-making over decades 📌 Why diversification matters more than ever right now 📌 The role of private markets in accessing the next wave of innovation   If you're wondering whether AI investing is a once-in-a-generation opportunity or a potential bubble, this episode will help you step back, think clearly, and avoid the long-term mistakes many investors made in 2000.   💬 Want Help Reviewing Your Portfolio? If you'd like to understand how concentrated your portfolio is, whether you're overexposed to AI or tech, or how to build a diversified strategy that aligns with your long-term plan, schedule a no-cost, no-obligation consultation with our IDA Wealth team.   📺 Watch us on YouTube   Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice.   Charts referenced in this episode were sourced from Yahoo Finance - "The AI Bubble May Be Bigger Than The Dot Com Bubble"; Goldman Sachs - "10 Largest Companies as Share of S&P 500"; and Y Charts - "Leadership Underperformance".   The chart titled "Leadership Underperformance" does not reflect the deduction of advisory fees or other expenses and is provided solely to illustrate the actual stock performance of the "Magnificent Seven" as reported by YCharts for the period from December 31, 2024 through March 6, 2026.   The discussion of investor psychology—such as reacting to market headlines, short-term volatility, or attempting to time the market—is provided for illustrative purposes only and is intended to highlight the potential impact of investor behavior. Actual investor experiences and results will vary based on individual circumstances.   The S&P 500 Index is a market index that tracks the performance of approximately 500 of the largest publicly traded U.S. companies and is commonly used as a broad measure of the U.S. stock market. The index is unmanaged, cannot be invested in directly, and does not reflect the deduction of advisory fees, trading costs, taxes, or other expenses that would reduce actual investor returns.   All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. No statement in this episode should be interpreted as a promise of performance, or a guarantee of results. Intelligence Driven Advisers ("IDA") does not provide specific tax or legal advice. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For additional information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A and Form CRS, available at www.idawealth.com.

    16 min
  3. 10 MAR

    Should You Hold Cash Waiting for the Market to Crash?

    Should you hold cash and wait for the next market crash?   The idea of keeping "dry powder" cash on the sidelines waiting for the perfect moment to invest sounds smart. Many investors believe they can step aside during uncertain markets and jump back in when prices fall.   But there's a major problem with that strategy.   You never know when the market's best days will occur, and missing just a few of them can dramatically reduce your long-term wealth.   Today on Financial Detox, Jason and Alex break down the real cost of holding too much cash, why timing the market rarely works, and what the data actually shows about staying invested.   What we cover today: 📌 What "dry powder" and "cash on the sidelines" really mean 📌 Why timing the market is harder than most investors think 📌 The $10,000 → $2 million investing example 📌 How missing just a few of the market's best days crushes returns 📌 Why the stock market wins roughly 70–74% of the time 📌 When holding cash actually does make sense (short-term goals) 📌 Why a living, interactive financial plan matters more than market predictions   If you've been wondering whether you should move to cash and wait for a better entry point, this episode will help you understand why patience, discipline, and a well-constructed portfolio usually outperform trying to time the market.   💬 Want Help Reviewing Your Portfolio? If you'd like help evaluating how much cash you should hold, how your portfolio is positioned for long-term growth, or how your investments align with your financial plan, schedule a no-cost, no-obligation consultation with our IDA Wealth team.   📺 Watch us on YouTube   Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice.   Charts and data referenced in this episode are provided by First Trust: "Growth of $10k" and "S&P 500 Index: Positive and Negative Years". The analysis of missing the best days assumes continuous investment over the referenced time period, which may not be feasible for all investors. References to markets being positive approximately 74% of the time are based on historical observations of calendar-year returns for the S&P 500 Index and are not a guarantee of future market behavior. These examples are intended to illustrate the potential impact of investor behavior, such as reacting to market headlines, short-term volatility, or attempting to time the market. Actual investor experiences and results will vary based on individual circumstances.   The S&P 500 Index is a market index that tracks the performance of approximately 500 of the largest publicly traded U.S. companies and is commonly used as a broad measure of the U.S. stock market. The index is unmanaged, cannot be invested in directly, and does not reflect the deduction of advisory fees, trading costs, taxes, or other expenses that would reduce actual investor returns.   All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. No statement in this episode should be interpreted as a promise of performance, or a guarantee of results.   Intelligence Driven Advisers ("IDA") does not provide specific tax or legal advice. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For additional information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A and Form CRS, available at www.idawealth.com.

    6 min
  4. 24 FEB

    Is This 2008 All Over Again? How to Handle Market Volatility in 2026

    Is this the next 2000? The next 2008? The next 2022?   Markets have been on an extraordinary run. When prices rise for years, investors begin to feel invincible. But as volatility starts creeping back into the headlines, the question we are hearing more than ever is simple:   Should we get out and wait?   Today on Financial Detox, Jason and Alex unpack what volatility really means, why it is normal, and how understanding it can dramatically improve your long-term results.   What we cover today: 📌 Why 70% of years end positive despite scary headlines 📌 What 50 years of market crises actually show 📌 How volatility differs from real long-term risk 📌 Why sitting on the sidelines rarely works 📌 The boat throttle analogy for portfolio risk 📌 How rebalancing and proper planning reduce emotional mistakes 📌 A real 2020 client story that proves discipline wins   If you are wondering whether this is "different this time," this episode will help you step back, think clearly, and make decisions based on data instead of fear.   💬 Want Help Reviewing Your Portfolio? If you would like a copy of the slides discussed or want to see how your current allocation aligns with your financial plan, schedule a no-cost, no-obligation consultation with our IDA Wealth team: https://www.idawealth.com/contact/   📺 Watch us on YouTube   Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice. Charts and data referenced were provided by First Trust: "Crises & Events," "Intra-Year Declines vs. Calendar Year Returns," "S&P 500 Index Volatility" and "S&P 500 Index: Positive and Negative Years". References to "the market" refer specifically to the S&P 500 Index unless otherwise stated. The S&P 500 Index is a market index that tracks the performance of approximately 500 of the largest publicly traded U.S. companies and is commonly used as a broad measure of the U.S. stock market. The index is unmanaged, cannot be invested in directly, and does not reflect the deduction of advisory fees, trading costs, taxes, or other expenses that would reduce actual investor returns. Any client example discussed in this episode is provided for illustrative purposes only to demonstrate the role of investor discipline and behavioral coaching during periods of market volatility. This example is not representative of all client experiences and is not a guarantee of future results. Individual outcomes vary significantly based on factors including timing, asset allocation, investor behavior, fees, taxes, and market conditions. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. No statement in this episode should be interpreted as a promise of performance, or a guarantee of results. Intelligence Driven Advisers ("IDA") does not provide specific tax or legal advice. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For additional information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A and Form CRS, available at www.idawealth.com.

    12 min
  5. 10 FEB

    The Retirement Tax Trap Most Investors Don't See Coming

    A lot of investors follow instructions to the letter, work hard, save carefully, and increase their 401(k) or IRA balance. Few people are aware, however, that this well-meaning tactic can covertly result in a retirement tax trap.   Today on Financial Detox, Jason and Alex explain how decades of pre-tax saving can lead to higher taxes in retirement, just as required distributions and Social Security begin. The result? Less flexibility, fewer options, and a larger tax bill than expected.   What we talk about today: 📌 What the retirement tax trap is and how it forms 📌 The difference between traditional and Roth retirement accounts 📌 Why Required Minimum Distributions (RMDs) can push retirees into higher tax brackets 📌 The "sweet spot" years where proactive planning can make the biggest impact 📌 How Roth conversions can reduce lifetime taxes by millions in some cases 📌 Why coordination between your advisor and CPA matters more than ever   If you've saved well for retirement but haven't planned for taxes after retirement, this episode will help you understand your options and how to regain control before it's too late.   💬 Book a FREE consultation with us Concerned about falling into a retirement tax trap? Schedule a no-cost, no-obligation consultation with our IDA Wealth team to review your retirement and tax strategy.   📺 Watch us on YouTube   Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice.   Certain examples or statements in this episode may reference outcomes experienced by actual clients; however, these examples are general in nature, may not be representative of all clients, and are for illustrative purposes only. The sample financial plan discussed in this episode was hypothetical and does not represent actual client results. The illustration was based on a 35-year time horizon, an assumed 24% tax bracket, an assumed annual rate of return of 6.3% net of fees, and the assumption that current tax laws remain unchanged. These assumptions may not apply to all investors.   Actual outcomes will differ based on individual circumstances, market conditions, investor behavior, fees, taxes, and changes in law. This example does not guarantee future results and is not a prediction of what any client will achieve.   Roth conversions and contributions are not appropriate for everyone and are subject to eligibility rules, tax consequences, and changing tax laws. Do not rely on this content as specific investment or tax advice. Consult a qualified tax or financial professional before making decisions. IRS guidance on Roth IRAs is available at: https://www.irs.gov/retirement-plans/roth-iras   All investing involves risk, including the possible loss of principal. No statement in this episode should be interpreted as a promise of performance, a guarantee of results, or a guarantee of tax outcomes.   Intelligence Driven Advisers ("IDA") does not provide specific tax or legal advice. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For additional information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A and Form CRS, available at www.idawealth.com.

    15 min
  6. 27 JAN

    Tax Drag: The Silent Wealth Killer Most Investors Ignore

    Most investors focus on performance, but far fewer focus on what they actually keep after taxes. Today, Jason and Alex break down one of the most overlooked threats to long-term wealth: tax drag. Unlike a single tax bill, tax drag quietly compounds over time, steadily eroding portfolio returns through ordinary income, capital gains, turnover, and poor asset placement.   If you've ever heard the phrase "It's not how much you make, it's how much you keep," this conversation explains exactly why that matters — and what you can do about it.   Today, we walk through: 📌 What tax drag is and why it compounds over time 📌 How a 1–2% annual tax drag can reduce lifetime wealth by 30–50% 📌 Why high-yield investments and mutual funds often create hidden tax costs 📌 How direct indexing and ongoing tax-loss harvesting reduce erosion 📌 Why tax-sensitive asset location matters more than most investors realize 📌 How coordinating your advisor and CPA can materially improve after-tax results   For disciplined investors, improving after-tax efficiency doesn't require taking more risk, it requires better structure and better coordination. This episode shows you where to start.   💬 Book a FREE consultation with us Concerned that taxes may be quietly eroding your returns? Schedule a no-cost, no-obligation consultation with our IDA Wealth team to review your portfolio through an after-tax lens.   📺 Watch us on YouTube   Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice.   Certain examples or statements in this episode may reference outcomes experienced by actual clients; however, these examples are general in nature, may not be representative of all clients, and are for illustrative purposes only. The Tax Drag illustration referenced was sourced from Envestnet. Tax drag is the reduction of potential investment returns due to taxes. This illustration is based on a 20 year time horizon at a 7.5% hypothetical growth rate, net of fees, and illustrates the impact of an average tax drag of 1% and 2% per year.  The sample financial plan discussed in this episode is hypothetical and based on a 12-year time horizon, a 24% tax bracket, and a 6.3% assumed annual rate of return net of fees. The tax savings illustrated reflects the hypothetical impact of a Roth IRA conversion under those assumptions. Roth conversions and contributions are not appropriate for everyone. Eligibility rules, tax consequences, and individual circumstances vary, and tax laws may change. For official IRS guidance, see: www.irs.gov/retirement-plans/roth-iras.   The S&P 500 Index is a market index that tracks the performance of approximately 500 of the largest publicly traded U.S. companies and is commonly used as a broad measure of the U.S. stock market.   Please note that actual outcomes will differ materially based on individual circumstances, market conditions, investor behavior, fees, taxes, and changes in applicable laws. This example does not guarantee future results and should not be interpreted as a prediction of what any client will achieve. While effective planning, discipline, and professional guidance may help improve the investor experience, no strategy or adviser can eliminate investment risk, guarantee outperformance, or ensure positive investment results.   All investing involves risk, including the possible loss of principal. No statement in this episode should be interpreted as a promise of performance, a guarantee of results, or a guarantee of tax outcomes. Tax strategies discussed may not be suitable for everyone. Consult a qualified tax or financial professional before implementing any strategy.   Intelligence Driven Advisers ("IDA") does not provide specific tax or legal advice. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For additional information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A and Form CRS, available at www.idawealth.com.

    12 min
  7. 16/12/2025

    Should You Be Nervous About 2026? What Smart Investors Do Now

    Every December, investors ask the same question: "Is it still safe to stay invested, or should I move to cash?"   Today, Jason & Alex break down one of the most common (and dangerous) behavioral questions investors face. With markets at or near all-time highs and uncertainty ahead in politics, global events, and the economy, it's completely natural to feel nervous. But the data tells a very clear story, and it might surprise you.   We walk through: 📌 Why market timing consistently destroys investor returns 📌 What 100+ years of bull and bear market history reveals 📌 Why behavioral mistakes are the #1 detractor of long-term wealth 📌 How often markets are positive vs negative 📌 Why endowments & family offices invest differently than the average investor 📌 What you should be doing with your portfolio before year-end 📌 How alternatives can improve risk-adjusted returns 📌 Why now is the time to get a second opinion on your strategy   If you've been wondering whether it's time to "jump to cash," this episode will give you the clarity and confidence you need to make an informed, long-term-focused decision.   💬  Want a personalized review of your year-end planning? Schedule a no-cost, no-obligation consultation with our IDA Wealth team.   📺  Prefer to watch us on YouTube   Learn More: Jason Labrum – Founder, Financial Detox Alex Klingensmith – Partner & Wealth Advisor, IDA Wealth 📘 Financial Detox by Jason Labrum IDA Wealth https://www.linkedin.com/company/idawealth/ https://www.instagram.com/idawealth/ https://www.facebook.com/IntelligenceDrivenAdvisers ⁠___________________________ Disclosure: The information presented in this episode of Financial Detox is for educational and informational purposes only and should not be considered personalized investment, financial, tax, or legal advice. Charts, data, and illustrations are provided for general context only and are not intended to predict or guarantee future results. Certain examples may reference outcomes experienced by actual clients; however, these examples are general in nature, may not be representative, and are not a guarantee of future performance.  References to having "better odds" when investing are based on historical market data showing that, over approximately the past 100 years, the S&P 500 Index experienced positive calendar-year returns in roughly 74% of years. This information reflects historical data only and does not guarantee future results. Market losses are possible in any period, and past performance is not indicative of future results. Investors cannot invest directly in an index. Charts referenced during this podcast are sourced from First Trust. Statements regarding the potential benefits of avoiding behavioral mistakes and working with an adviser are based on research suggesting that behavioral coaching and disciplined planning may improve investor outcomes relative to self-directed decision-making. This perspective is informed by multiple industry studies, including research from (1) Value of an Adviser Report | 2019 – Russell Investments; (2) Alpha, Beta, and Now…Gamma | Aug 2013 – Morningstar; (3) Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha® | July 2022 – Vanguard; (4) Capital Sigma: The Advisor Advantage | 2019 – Envestnet; (5) Know Your Alternatives | 2019 – J.P. Morgan; and (6) Quantitative Analysis of Investor Behavior (QAIB) – DALBAR. While professional guidance and discipline may help improve the investor experience, no strategy or adviser can eliminate investment risk, guarantee outperformance, or ensure positive investment results. Actual outcomes will vary based on market conditions, investor behavior, fees, taxes, and individual circumstances. All investing involves risk, including the possible loss of principal. Tax-related strategies involve specific rules, limitations, and risks and may not be appropriate for every individual. Intelligence Driven Advisers ("IDA") does not provide tax or legal advice; viewers should consult a qualified professional before implementing any strategy discussed. Intelligence Driven Advisers is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Please review our Form ADV and Form CRS at IDA Wealth for additional information about our services, fees, and potential conflicts of interest.

    14 min
  8. 05/12/2025

    6 Year-End Tax Moves That Can Save You Thousands

    If you're a business owner, high-income earner, or someone who simply wants to stop leaving money on the table, this episode lays out six powerful year-end tax strategies you can still take advantage of before December 31. These are the moves that help reduce taxes, create long-term advantages, and bring real clarity to your financial picture.   In this quick yet high-impact conversation, Jason Labrum and Alex Klingensmith break down the exact steps our clients take every December, from fully funding retirement plans and executing Roth conversions to using donor-advised funds and maximizing tax-loss harvesting. Each strategy can create meaningful tax savings when implemented correctly and tailored to your financial situation.   If you've ever wondered, "What should I be doing before year-end to avoid overpaying the IRS?" This episode is your guide.   What We Cover in This Episode 📌 How fully funding retirement plans can still reduce 2024 taxable income 📌 When Roth 401(k) and Roth conversions make sense 📌 Why business owners should consider cash balance and defined benefit plans 📌 How a cost segregation analysis can put hundreds of thousands back in your pocket 📌 The right way to use Qualified Charitable Distributions (QCDs) 📌 Tax loss harvesting strategies, and the biggest mistakes to avoid 📌 Why donor-advised funds are a powerful tool for high earners and families focused on legacy   Every one of these strategies becomes more effective when tailored to your goals, especially for entrepreneurs and successful professionals who want clarity and confidence in their financial decisions.   💬Book a Consultation with us Want a personalized review of your year-end planning? Schedule your free, no-obligation Retirement Clarity Session today and discover what's possible with cash-flow based planning, tax strategies, and a life-first approach.   📺 Watch us on YouTube 📬 Contact Jason directly: Jason@financialdetox.com 🌐 Learn more: https://idawealth.com    ___________________________ Disclosure The Financial Detox podcast is provided by Intelligence Driven Advisers, LLC ("IDA"), an SEC registered Investment Adviser; however, such registration does not imply a certain level of skill or training. Any references to SEC registration are not an endorsement or indication of approval by the SEC. The information presented in this podcast is intended for general informational purposes only and should not be construed as specific tax, legal or investment advice. Participants are strongly encouraged to consult with their personal advisers regarding their specific financial and tax situation. Investing involves risk and there is always the potential for loss. Past performance is not necessarily indicative of future results. Information provided reflects IDA's views as of a particular time. Such views along with tax laws and regulations are subject to change at any point and IDA shall not be obligated to provide notice of any change. IDA makes no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of the information presented in this podcast. The firm disclaims any liability for errors or omissions in the information or for any actions taken in reliance on the information provided herein.

    11 min

About

Welcome to the Financial Detox® Show—a show that's dedicated to helping you retire with confidence. Your host, Jason Labrum is a Certified Financial Planner and Founder of Intelligence Driven Advisers. For over 20 years, he's shown people how to steer clear of toxic advice, achieve financial peace of mind, and manage their wealth for maximum impact—and now, he wants to empower YOU to do the same! Join Jason and his co-host Alex Klingensmith every other week, as they simplify the complex, share industry secrets, and provide proven strategies that will take YOU from financial insecurity to financial independence. Topics will cover retirement planning, financial planning, estate planning, tax saving strategies, investment management, 401K, alternative investments, stocks, bonds, portfolio allocation, business strategies, business advice, and much more.

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