Dollars&Sense Nelson Financial Planning

Joel Garris of Nelson Financial Planning
  • 5.0 (8)
  • Investing
  • Updated Weekly

💵 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. Advisory services through Nelson Advisory Services, Inc., a State of Florida registered investment advisor. 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.

  1. 13h ago

    Health, Fraud & Politics: Three Planning Conversations Investors Can’t Ignore

    What does your health portfolio have to do with your financial future? More than you may think. In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning walks through three timely conversations that can affect your retirement, your family, and your investment decisions. First, Joel discusses why retirement planning is about more than account balances. A strong financial portfolio matters, but so does your ability to enjoy the retirement you’ve worked so hard to build. From physical health and independence to social connection and purpose, your “health portfolio” may be one of the most important parts of long-term planning. Next, Joel revisits the growing issue of financial fraud and scams — but with an added layer many people overlook: the potential tax consequences. If someone loses money through fraud, cryptocurrency theft, or a scam involving retirement account withdrawals, the tax code may not offer as much relief as people assume. Joel explains why documentation, quick action, and professional guidance are so important. Finally, with midterm elections drawing closer, Joel looks at election-year investing and why political headlines should not become your portfolio strategy. Markets are influenced by many forces beyond politics, including earnings, inflation, interest rates, valuations, and investor behavior. The key is to review your plan without letting fear, enthusiasm, or headlines drive emotional investment decisions. In this episode, you’ll learn: Why your health can be viewed as part of your retirement planFive questions to ask about your “health portfolio”What to do if you or a loved one experiences financial fraudWhy fraud losses may not automatically create tax deductionsHow election headlines can influence investor behaviorWhat investors should review before making major portfolio changesAt Nelson Financial Planning, we believe good planning does not eliminate uncertainty — it gives you a clearer, healthier, and more disciplined way to move through it. 💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  2. Sep 28

    What do Rising Interest Rates Mean for Bonds? Plus, what to do if your bank account is hacked

    What should you do if your bank account gets hacked—and why are rising interest rates causing so much confusion in the bond market?  In this episode of Dollars & Sense, Joel Garris and Chet Cowart walk through practical steps to take if you discover suspicious activity in your bank account, including how to contact your bank safely, document fraudulent transactions, secure connected accounts, update passwords, and protect yourself from identity theft.  Then, they shift to the bond market and explain the relationship between interest rates and bond prices, why rising rates can hurt bond values in the short term, and how higher yields may create better long-term opportunities for investors. They also compare individual bonds and bond mutual funds, helping listeners understand how each may fit into a diversified financial plan.  Topics covered include bank fraud, account takeover scams, cybersecurity, multifactor authentication, identity theft protection, bond prices, Treasury yields, interest rates, bond funds, diversification, and long-term investing.  💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  3. Sep 21

    Will AI Destroy Humanity? A Calm Look at the Latest Panic

    AI is everywhere in the headlines right now—and some of the smartest people in technology are warning that artificial intelligence could pose serious risks to humanity. But is this truly the beginning of the end, or are we seeing another round of fear that often comes with major technological change?  In this episode of Dollars and Sense, Joel Garris of Nelson Financial Planning takes a thoughtful, practical look at the current AI debate. From the Luddites and the Industrial Revolution to Oppenheimer and the atomic bomb to the Y2K scare, history shows that every generation has faced fears about new technology—and humanity has repeatedly found ways to adapt.  This conversation is not about ignoring risk. It is about keeping risk in perspective. AI may bring real challenges, including cybersecurity threats, misinformation, economic disruption, and questions about human control. But panic rarely leads to wise decisions—especially when it comes to your life, your money, and your future.  Plus, Joel also shares an important reminder about protecting your home from property and deed fraud by signing up for free local property fraud alerts—a simple step that can help you monitor one of your largest assets.  💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  4. Sep 14

    Marriage Money Mistakes, Trump Accounts & Investor Mind Games

    In this episode of Dollars & Sense, Kristin Kalley and Christina Lamb discuss three important financial topics that can impact families, couples, and investors. First, they unpack why the phrase “he handles it” can create financial vulnerability in a marriage—and what both spouses should know about accounts, beneficiaries, credit, estate documents, and household finances before a crisis happens. Then, they cover Trump Accounts and a potential employer benefit parents may not know to ask about during open enrollment, including contribution limits, employer matches, and how these accounts may fit alongside 529 plans and other savings vehicles. Finally, they explore the mind games investors play, including why people often buy after prices rise, sell after declines, and let emotion drive investment decisions. The conversation includes practical questions investors can ask before making portfolio changes and why a financial plan can help keep decisions grounded. 💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  5. Sep 7

    Interest Rates, Market Timing & Smart Giving: 3 Financial Planning Moves to Watch

    Interest rates, inflation, investing, and charitable giving may seem like separate financial topics—but they all come back to one important idea: having a plan. In this episode of Dollars & Sense, Joel  breaks down how changing interest rates can affect borrowers, savers, bond investors, retirees, and anyone trying to make smart decisions with their money.  Joel also explains why waiting for the “perfect” time to invest can be costly, especially when headlines make it tempting to sit on the sidelines. Instead of trying to time the market, he shares practical ways to think about cash needs, long-term growth, dollar-cost averaging, and building an investment allocation that matches your goals.  Finally, this episode explores donor-advised funds and how they may help families give more intentionally. Learn how charitable giving can be coordinated with tax planning, appreciated investments, high-income years, and long-term family goals.  💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  6. Aug 31

    Don’t Panic, Plan Ahead: National Debt, Retirement Spending & Your Financial Death Box

    The U.S. national debt has crossed $40 trillion — but what does that actually mean for everyday Americans? In this episode of Dollars & Sense, Joel Garris and Zach Keister of Nelson Financial Planning break down the headlines in plain English and explain why the debt conversation is important, but not necessarily a reason to panic. They also discuss one of the most common retirement planning questions: How much can you really spend in retirement without running out of money? From the well-known 4% rule to more flexible retirement income strategies, Joel and Zach explain why retirement spending should be personalized, adaptable, and based on real life — not just a single percentage. Finally, they introduce the concept of a Financial Death Box: a centralized place to organize important documents, account information, insurance policies, passwords, and instructions for loved ones. While the name may sound intimidating, this simple planning tool can be one of the most thoughtful gifts you leave your family. In this episode, we discuss: What America’s $40 trillion debt milestone meansWhy debt-to-GDP mattersHow national debt can affect interest rates, taxes, and future planningThe 4% rule and why retirement withdrawal rates should be flexibleWhy many retirees may spend less as they ageHow to organize a Financial Death BoxWhy planning ahead can create confidence for you and your familyWhether you’re preparing for retirement, thinking about your financial plan, or simply trying to make sense of today’s headlines, this episode offers practical perspective and actionable takeaways. 💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  7. Aug 24

    TikTok Financial Advice, Medicare Costs & Caregiving Tips

    In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning discusses three important topics that can affect your financial life: knowing your income numbers, understanding the risks of financial advice on TikTok, and preparing for the responsibilities of caregiving. Joel begins by explaining why retirees and those over age 65 need to pay close attention to income thresholds that may affect Medicare costs and tax brackets. A relatively small difference in income may impact Medicare IRMAA surcharges, making year-end income planning especially important. Next, Joel reviews a recent Wall Street Journal analysis of TikTok financial advice. While some social media content can provide helpful financial education, not all advice online should be treated as financial planning. Joel explains the difference between financial education, financial entertainment, and personalized financial advice — and why investors should be cautious about stock predictions, lifestyle marketing, and short-form investment tips. The episode also includes practical caregiving planning tips inspired by an upcoming client webinar. Joel shares ways caregivers can reduce stress, stay organized, build a support team, review legal documents, and prepare before a crisis occurs. Whether you are retired, approaching retirement, helping a loved one, or simply trying to make better financial decisions, this episode offers helpful reminders about planning carefully, asking good questions, and not relying on shortcuts when it comes to your financial future. In This Episode Why it is important to know your income numbers in retirementHow Medicare IRMAA surcharges may affect retireesWhy tax brackets and Medicare thresholds do not always line upWhat a Wall Street Journal analysis found about financial advice on TikTokThe difference between financial education, entertainment, and planningWhy investors should be cautious about stock tips and market predictions onlineHow social media can increase financial confidence without increasing financial knowledgePractical tips for caregivers and familiesWhy recordkeeping, legal documents, and beneficiary designations matter 💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

  8. Aug 17

    Market Optimism, Investor Caution & Better Money Decisions

    In this episode of Dollars & Sense, Rob Field and Joel Garris discuss how everyday financial decisions are shaped by both market conditions and personal money habits. They break down the latest market themes, including record highs, corporate earnings, interest rates, inflation, and why investors should review their portfolios even when things seem optimistic. Rob and Joel also explore how mindset and behavior can impact financial success—from impulse spending and emotional money decisions to simple strategies like the 24-hour rule, monthly money meetings, and creating friction before clicking “Buy Now.” Whether you are trying to stay disciplined in a changing market or build better financial habits, this conversation offers practical reminders for making thoughtful, intentional decisions with your money. 💵 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.  👉 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. ➡️ CONNECT WITH US:  Facebook: /NelsonFinancialPlanning Twitter: /nelsonfinplan Instagram: /nelson_financial_planning YouTube: @nelsonfinancialplanning2202

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5
out of 5
8 Ratings

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💵 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. Advisory services through Nelson Advisory Services, Inc., a State of Florida registered investment advisor. 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.

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