Dollars&Sense Nelson Financial Planning

Joel Garris of Nelson Financial Planning
  • 5.0 (8)
  • Investing
  • 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. 23h ago

    Retirement Budgets, Pet Trusts & Who Gets Grandma’s China?

    What will you actually spend in retirement—and who will care for your pets and treasured belongings when you’re gone?  In this episode of Dollars and Sense, Rob Field and Christina Lamb explore how your budget can change throughout retirement and why estate planning goes beyond investment accounts and the family home. From rising healthcare costs to Grandma’s china, the conversation connects today’s financial decisions with tomorrow’s priorities.  In this episode, we discuss:  The BUDGETS framework: Balance, Understanding, Debt, Goals, Expectations, Transition, and Solutions.  How housing, transportation, food, and healthcare shape a retirement budget.  Matching income to expenses, managing debt, and preparing for unexpected costs.  Planning for your pet’s future care, including pet trusts, caretakers, trustees, and clear instructions.  Why financial value and sentimental value can mean very different things to your family.  Creating a “stuff plan” for treasured possessions and digital property.  Your takeaway: know what you spend, talk with the people you want to carry out your wishes, and make sure they know where to find your plan. Start by reviewing your budget and identifying the belongings—and pets—that need a clear plan for the future. 💵 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. Oct 26

    Retirement Purpose and IRA Traps: How to Plan Your Next Chapter and Avoid Costly Mistakes

    Retirement planning is about more than reaching a number—it is about knowing what you are retiring to and avoiding financial moves that can be difficult or impossible to reverse.  In this episode of Dollars & Sense, Joel Garris and Zach Keister explore how to build purpose, structure and meaningful relationships into retirement. They share the “retirement Tuesday” exercise, explain why living somewhere is different from vacationing there and offer five practical questions to help you picture your next chapter.  Then they break down four IRA pitfalls: inherited IRA rollovers, the once-per-12-month indirect rollover rule, changes to 72(t) substantially equal periodic payments and the same-property rule for securities. You will learn why direct custodian-to-custodian transfers and careful planning before a transaction can help prevent costly tax consequences.  If you are preparing for retirement, managing multiple retirement accounts or helping your family navigate an inherited IRA, this conversation offers practical questions to ask before taking action.  💵 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. Oct 19

    Forced Into Retirement? Roth Catch-Up Rules, Investment “Safety” & Record Balances

    What happens when retirement arrives earlier than planned—and how should you respond without making rushed, irreversible decisions?  In this episode of Dollars & Sense, Joel Garris  discusses the financial checklist for an unexpected retirement, including cash flow, emergency reserves, health coverage, taxes, Social Security, retirement-account rollovers, and investment allocation.  You’ll also learn about the 2026 Roth catch-up contribution rules for certain higher earners, why “safe” can mean six different things when investing, and how record retirement balances can create false confidence. Joel explains why a large account balance is not the same as a dependable retirement paycheck—and how time horizon, inflation, taxes, longevity, and spending needs shape a more resilient plan.  Topics include:  2026 catch-up contribution and Roth rules for higher earners  What to review when retirement happens unexpectedly  Common Social Security and rollover mistakes  Six meanings of investment safety  Cash, bonds, stocks, annuities, and real estate tradeoffs  Turning a retirement balance into sustainable income  💵 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. Oct 12

    Changes to Trump Accounts, AI Stocks & Market Highs: 6 Moves Retirees Should Consider

    Trump Accounts are changing, AI stocks are surging, and markets are reaching all-time highs. What do these developments mean for families, investors, and retirees? In this episode of Dollars and Sense, Chet Cowart and Kristin Kalley discuss: New Trump Account auto-enrollment and individual-stock donationsPotential benefits, concentration risks, and concerns for parentsWhether AI earnings support today’s market enthusiasmWhy diversification still matters at record market levelsSix portfolio moves retirees should consider nowCash reserves, rebalancing, withdrawals, taxes, sequence-of-returns risk, and concentrated positionsStrong markets can create opportunities—but higher account values don’t replace thoughtful planning. Learn how to keep investments aligned with your family’s goals and retirement-income strategy. 💵 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. Oct 5

    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

  6. 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

  7. 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

  8. 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

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Ratings & Reviews

5
out of 5
8 Ratings

About

💵 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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