Money Matters with Dean Greenberg

Greenberg Financial Group
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Join Dean and the Greenberg Financial Group team, along with special guests, as they break down how markets react to the latest economic shifts and geopolitical events. Stay informed, gain perspective, and be part of the conversation, send your questions to contact@greenbergfinancial.com

  1. 1d ago

    October Surprises, a Bond Market Problem, and Why a Big Tax Refund Means You Overpaid

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg, Dave Sherwood, Dylan Greenberg, Todd Glick Jr. and Sebastian Borsini sit down after a September that looked very different depending on where you checked. Big tech carried the Nasdaq to a gain while the equal weighted S&P 500 slipped about 5%, and we talk through why that gap matters, what history says about October's reputation, and why staying measured into the midterm elections can make more sense than chasing the next headline. Dean also shares his long view on the AI data center build out and his ideas for putting Social Security and Medicare on firmer footing for the next generation. From there we get into the interest rate story that keeps pressuring the broader market, why the Fed only controls the overnight rate and not your mortgage, and why individual bonds with set maturity dates can behave very differently from bond funds when rates rise. We also cover Micron's earnings and its shift toward long term contracts, NVIDIA's record buyback, Nike's rough year, the latest from the auto makers, and a Tucson fun fact about how A Mountain got its letter. Hailey Glick from G&G Tax Advisors joins us to explain why a big refund is really an interest free loan to the IRS, how tax brackets actually work, why withholding often changes in retirement, and what to keep in mind on required minimum distributions, qualified charitable distributions and estimated payments before the year runs out. We also share a note from a new client about the care she received from Todd and Sebastian, and invite you to our next financial planning workshop on October 30 at La Paloma Country Club, from 11:30 to 2. Want to see how all of this fits your own situation? Ask us about a free personalized financial plan. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  2. 6d ago

    Meta's Comeback, Rates at 19-Year Highs, and Why AI Still Can't Look You in the Eye

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg, Todd Glick Jr., Dave Sherwood, Dylan Greenberg and Sebastian Borsini take stock of a September that has treated the big indexes better than the calendar usually allows. The S&P 500 and the Nasdaq have eked out gains for the month on the back of a tech bounce, while the Dow, the Russell 2000 and the equal weight S&P are all lower, and we spend real time on what that split means if your own portfolio is not keeping pace with the headlines. Dave runs the math on what a typical 60/40 mix might reasonably show year to date when the bond side is fighting the highest 10-year yield in 19 years, and Dean explains why he stays cautious inside a trading range with an election a few weeks out. Meta is the story of the week. A few weeks after the headlines had it going the way of the tobacco companies, the lawsuit is settled and the stock is running on Muse, a personal AI agent that hit number one on the App Store. Dean has been using it to shop for a television, Todd lays out why an agent that learns you is different from a search box, and the whole table gets into the glasses, the memory chips behind all of it, and what happens to chip stocks once the CHIPS Act buyback restriction expires in December. Then Dean draws the line that matters for this business. Computers ran the trading in 1987 too, right up until they sold the market down twenty percent in a day, and the circuit breakers we have now exist because humans had to step back in. AI can build a portfolio. It cannot ask what you actually want your life to look like, which is why we say we do not plan for your retirement. We plan for what comes after it. The rate side is where the planning conversation gets practical. Diesel has doubled in twelve months, the 30-year mortgage is back above seven percent, and the show walks through why a short term bond fund is sitting flat this year while the long bond fund is down more than six percent. We explain why we build ladders of individual bonds for larger accounts instead of bond funds, what a multi-year guaranteed annuity can do in a taxable account that a bond cannot, and why the money sitting in your checking account may be the most expensive thing you own. There is also a look at the bottom of the Dow, a sell call on Netflix, the retailers that are still winning, and Oracle's data center trouble. Firm news: our free interactive financial planning workshop is Friday, October 30, 11:30 to 2 at La Paloma Country Club, lunch included. All three advisors will be there along with Hailey Glick from our tax team, and we will walk through a complete plan from start to finish and take your questions. New TV episodes are coming to KVOA channel 4 at 10 p.m. after the news. And Dave has a fun fact about a plumber in Alaska and the number one salad dressing in the world. If you have never seen what a real plan looks like, the workshop is the easiest place to start, and the personalized plan we build afterward is free whether or not you ever become a client. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  3. Sep 21

    The Fed Raises Rates, AI Fear Makes Headlines, and RMD Season Arrives

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg, Sebastian Borsini, and Todd Glick break down a week where the Federal Reserve raised interest rates a quarter point and the market barely flinched. The Dow and the Russell 2000 each slipped 1.7%, the S&P 500 finished close to flat, and the Nasdaq managed a small gain. We get into why the bond market had been pushing the Fed in this direction for weeks, what a 5% yield on the 10-year Treasury is telling us, and why a rate hike can say more about the strength of the economy than most people expect. From there we spend real time on the story that rattled tech stocks early in the week, a new round of headlines warning that AI could be a threat to humanity. Dean looks back at duck and cover drills, Y2K, and the Industrial Revolution to talk about how fear and progress have always traveled together. Sebastian brings in the Luddites, open source versus closed source models, and what is at stake if the United States slows down while other countries lean in. We also talk through oil and record diesel prices, the Bank of Japan's latest move, a volatile week for Bitcoin, the IPO calendar, and the corners of the market that have been quietly holding up, from energy and cybersecurity to value names. Dean also shares why he is staying patient heading into the fall and why having a plan matters more than having a prediction. Hailey Glick of G&G Tax Advisors joins us for the tax segment with year end right around the corner. We walk through required minimum distributions, who has to take them and when, and the penalty for missing one. Then we get into qualified charitable distributions, a little known rule that can trip up people still contributing to an IRA after 70 and a half, how Roth conversions can fit into the early retirement years, and what changes when you inherit an IRA. We also touch on 401(k) plans for business owners and when it might be time to ask whether an S corp makes sense. If a market drop has you wondering how your portfolio would hold up, our free financial plan and risk analysis are a great place to start. No cost, no obligation, and the plan is yours to keep. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  4. Sep 14

    25 Years After 9/11, Rates Near 5%, and Why October is Not Always the Friendliest

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg opens the show with a personal story from 1998, a round of golf with a stranger from out of town, and a job offer on the upper floors of the North Tower that came with a piece of advice he still lives by. Twenty five years after 9/11, it is a reminder that a financial plan is really a lifestyle plan, and that the biggest opportunity is not always the right one. From there Dean, Dave Sherwood, and Sebastian Borsini get into a market that has had everything thrown at it and still sits just 2% off its all time high. We talk through oil up more than 25% in three weeks, a two year Treasury jumping to 4.63%, a 30 year at levels last seen in 2007, and what all of that means as we head into the seasonally tricky stretch between September and late October. We also spend real time on why 5% on high quality paper matters for retirees, why the Fed's next quarter point may be less important than the one after it, and the Arizona community property rule that can wipe out a lifetime of capital gains at the first spouse's passing. On the company side, Oracle's post earnings reversal, Meta's new AI agent and the settlement bill that comes with it, Intel and AMD raising prices, NVIDIA's stubborn stock, Qualcomm's new partnership with Amazon, and a Costco mystery that has nothing to do with gasoline. Hailey Glick of G&G Tax Advisors joins us to break down the difference between the standard deduction and itemizing, why only about one in ten filers itemize, how the bigger state and local tax bucket could change that, and why a credit is worth more than a deduction. Then estate attorney Jonathan Sibilia walks through the documents he updated before his own surgery last week, and explains why a mental health power of attorney can be the difference between a family decision and a courtroom. Our next interactive financial planning workshop is October 30th at 11:30 AM at La Paloma Country Club, and as always, the personalized financial plan is free whether or not you ever become a client. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  5. Sep 7

    A Hot Economy, Data Centers, and Why We Aren't Afraid of AI

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg opens the Labor Day weekend show with a look at the tug of war between the Federal Reserve and the White House over interest rates, why today's rates are closer to historically normal than many people remember, and what a hot jobs report and a strong GDP print mean for inflation. He also makes the case for embracing AI rather than fearing it, shares how the firm is using it to streamline its own work, and explains why data centers may bring more to local communities than the headlines suggest. Then Dean, Dave, Sebastian, and Todd break down a flat week for the S&P 500 that hid a softer broad market, the September seasonality question, and the rising odds of a Fed move later this month. We get into why global bond yields have been climbing, how that pressures stock valuations, and whether the Fed can really push mortgage rates lower while the long end of the curve has other ideas. Todd's beach ball analogy explains it better than any economist. Hailey Glick joins the tax segment to clear up one of the most misunderstood parts of the tax code: withholding and estimated payments. Extending your return is not extending your payment, and the IRS charges interest and penalties that are tough to outrun. We cover who needs to make quarterly payments, the safe harbor rule, why a new pension or a January stock sale can catch people off guard, and the difference between your tax bracket and your effective rate. Plus the one bracket that actually deserves your worry. Estate planning attorney Jonathan Scibilia stops by to introduce HLAEstate.com, a new attorney-built site for simple wills, trusts, beneficiary deeds, and powers of attorney, complete with attorney review and remote notary signing now that Arizona allows it. Later, we get into NVIDIA's Hugging Face acquisition, what open source really means, a Tucson fun fact involving the boneyard on Kolb Road, and a few ticker symbols that made us smile. Your free financial plan is waiting whenever you're ready. No obligation, no phone tree, just a real conversation. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  6. Aug 31

    A Hawkish Fed, NVIDIA's Blowout, and the Month Nobody Trusts

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean Greenberg, Dave Sherwood, Todd Glick Jr. and Sebastian Borsini close the books on August with the indexes near highs and the calendar turning to September. Dean opens with the thing that gets him going every time. So many people say they are doing retirement planning, and he cannot stand the phrase. Retirement is the end of something. You spent forty years working for your money. He wants to talk about what happens when your money finally starts working for you, and why so many people who can afford to enjoy that are too afraid to. Then there is NVIDIA. The quarter was enormous. The stock popped, never made a new high, and gave it back by Friday. The team pulls that apart from a few angles, including the part where a chipmaker quietly turned into a lender, what higher yields are doing to the price of growth, and whether the receivables number deserves a second look. The data center conversation gets lively. Sebastian brings a town of 8,600 in Washington that now hosts thirty of them and just built itself a new aquatic center, new roads, a new high school stadium. Dean has thoughts on what Tucson turned down and the reason it gave. Dave tracks the software names that AI was supposed to bury and somehow did not. Hailey Glick joins to introduce G&G Tax Advisors, and this segment might be worth actual money to you. Arizona has four separate tax credit buckets most people never touch. Dollar for dollar against your state liability, up to roughly $5,600 if you are married, and you have until April to use them. Todd admits on air he has been leaving them on the table. If you are doing your own return, you may be too. Also in this hour, a forty year mortgage with a thousand dollars down and what the catch might be, why waiting for the housing market to crash keeps costing people houses, the Meta settlement and the odd way the market reacted, why nobody wants to buy shoes, and Dave's fun fact on the hidden ocean sitting underneath Tucson. Our next quarterly seminar is Friday, October 30th at La Paloma Country Club, 11:30 to 2. Sign up on the Resources tab at GreenbergFinancial.com. And the financial plan is genuinely free. No cost, no obligation, yours to keep whether you ever become a client or not. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  7. Aug 24

    Planning for Lifestyle Instead of Retirement, Data Center Myths, and a Rare Quiet Week

    In this episode of Money Matters, brought to you by Greenberg Financial Group, Dean opens with a word he says he is sick of hearing. Retirement. His problem with it is that it names the end of something and tells you nothing about the part that actually matters, which is everything that comes after. So we plan for lifestyle instead. He also gets honest about free financial plans, because everybody offers one now and some of them exist only to move you into an annuity or an insurance policy. He explains how to tell the good ones from the bad ones, why he went fee based back in 1988 when almost nobody was talking about it, and why there is an estate planner and a tax team sitting under the same roof at River and Campbell. He is cautious right now and he says exactly why. Every midterm year since 1990 has seen a drawdown somewhere between August and the end of October, averaging about 7 percent. His point is not to sell everything. It is that this is not the stretch of the calendar to go get aggressive, and he walks through what the team does instead. Then Dave brings the two headlines of the week and admits he could not decide which one was bigger. Merck and Moderna used the same mRNA technology behind the COVID vaccine to build something for patients who have already had a cancerous tumor removed, and it showed a 50 percent higher success rate than Keytruda by itself. Roughly 40 percent of us will deal with a malignant tumor at some point, so this one reaches a lot further than the market. The other headline was Bitcoin, up 22 percent in three days while the Treasury doubled its buyback of longer dated bonds. Dave said he could not remember ever seeing that. Todd ran the back test and found 17 separate times in the last eight years, which opens up a bigger conversation about why gold, quantum and nuclear all caught a bid in the very same week. The guys also go through the data center myths one at a time, starting with the water, since these facilities use less than a typical golf course and run a closed loop system. That one hits close to home because Project Blue is a 3.6 billion dollar data center proposed for Pima County, the largest construction project in southern Arizona history, and the pushback it is getting locally is exactly the kind Dave and Todd think is built on things people were told rather than things people checked. Plus a rare week with no all time highs on any index, Walmart down and Target up on the very same consumer, what TJ Maxx admitted about its own shelves, why Dave told his office to sell Krispy Kreme the day he spotted them on a rack at Walgreens, the largest IPO in American history and the one that may top it, and a Tucson fun fact about the first skateboard park in the country, which was not in California. Every question in this episode is the kind we work through in the free financial plan we build for anyone who asks, whether you ever become a client or not. Our next Interactive Financial Planning Workshop at La Paloma Country Club is coming in October. Details and the sign up link go live Monday under the Resources tab at greenbergfinancial.com. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  8. Aug 17

    All-Time Highs, Record Margins, and the Data Center Hoax

    In this episode of Money Matters, brought to you by the Greenberg Financial Group, Dean opens with a warning for a week when everything feels good. The S&P has traveled from about 7,300 to 7,800 in two weeks on news that has not really changed, and his point is not that it ends tomorrow. It is that you should not forget how you felt a week and a half ago. From there he gets into why he believes AI is the beginning of what computers were to our economy rather than another dot com, what a shrinking workforce has to do with all of it, why the IRS and our air traffic control systems are still running on technology built decades ago, and why Chandler, Gilbert and Mesa keep growing while Tucson keeps saying no. Then Dave, Sebastian, Dylan and Todd pick up the number that got their attention. Net profit margin for the S&P 500 came in at 16.9 percent, the highest in history, and Todd explains what that actually means using a lemonade stand that costs 30 dollars to run. The market hit its third straight week higher with all time highs on the S&P, the Russell 2000 and the equal weighted S&P, and the VIX sat at a low for the year. Dave's word for it is complacency, right as we head into the eight weeks that have historically been the toughest stretch of the calendar. The guys also dig into Berkshire's latest 13F, where Google is now the third largest position at roughly 38 billion dollars, alongside a return to Delta and a move into home builders, which has Dave remembering when Buffett said he would never buy technology because he did not understand it. And there is a real conversation about who to believe, starting with the analyst who went on CNBC and said oil would hit 200 dollars if the Strait of Hormuz stayed closed for 30 days. It never got over about 120. The takeaway from the table is to take the headlines with a grain of salt and do your own homework. Sebastian brings the story of Richland Parish, Louisiana, where Meta built a 10 billion dollar data center in an economically challenged part of the country. Sales tax revenue went from 21.3 million dollars last year to 65.3 million this year, some teachers there are in line for bonuses, and meanwhile New York became the first state to put a moratorium on building them. Plus a Tucson fun fact about three miles of Prohibition tunnels under downtown that city officials will not talk about, what Prohibition has to do with the fact that you pay income tax, and the 86 year old client who now wants her statements texted to her. The last stretch turns personal. The average car payment in America is now 785 dollars a month, more than double Dave's first mortgage payment, and that opens the door to Roth conversions, including the cases where they do not make sense, along with IRMAA and the charitable giving strategy a nonprofit board member had never heard of. Every one of those questions gets answered inside the financial plan we build free for anyone who asks, whether you ever become a client or not. Our next seminar is this Friday, August 21st from 11:30 to 2 at La Paloma Country Club, lunch included, and we still have a few seats open. If you would like to contact us to learn more about our firm, our seminars, and our process - call us at 520.544.4909 or go to our website at www.Greenbergfinancial.com or email us at Contact@Greenbergfinancial.com Disclaimer: This show discusses different investment products and strategies. Every product and strategy has some type of inherent risk and we strongly encourage our listeners to properly understand these risks. Past performance is no guarantee of future performance. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. The material covered on this program does not involve the rendering of personalized investment advice, but is for general information purposes only. A professional advisor should be consulted before implementing any of the options presented. Greenberg Financial Group is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

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Ratings & Reviews

3.7
out of 5
3 Ratings

About

Join Dean and the Greenberg Financial Group team, along with special guests, as they break down how markets react to the latest economic shifts and geopolitical events. Stay informed, gain perspective, and be part of the conversation, send your questions to contact@greenbergfinancial.com

Information

  • Creator
    Greenberg Financial Group
  • Years Active
    2022 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    Money Matters with Dean Greenberg

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