4 Seasons Podcast

Jeff Bingham

Welcome to the 4 Seasons Podcast! Brought to you by B&H Wealth Strategies, proudly serving Northeast Tennessee and Southwest Virginia since 1966. Hosted by Jeff Bingham, President of B&H Wealth Strategies, this podcast is your guide through the ever-changing seasons of your financial journey.  From practical strategies to grow your wealth to tips on protecting your hard-earned assets, we’re here to help you dream big, plan smart, and enjoy life to the fullest. Whether you’re just starting out or planning your legacy, every episode is packed with actionable insights to turn your financial dreams into reality. Ready to take the next step? Schedule your free 20-minute consultation today and start your journey to financial success! Tune in now—because every season is the right season to plan for your future.  To learn more about B&H wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies 423- 247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

  1. 1D AGO

    Doing Our Part: B&H Wealth Strategies Helps Kingsport Keep Dollars Local

    A town feels different when the people who serve it plan to stay. We sit down with Jeff Bingham and special guest Matt Bingham to talk about what 60 years of B&H Wealth Strategies in Kingsport has really meant, not just for clients, but for the community that surrounds them. The heart of the conversation is simple: retirement planning and wealth management are personal, but the impact can be public. We dig into the “ripple effect” of investment income in retirement. When a plan creates steady cash flow, clients can spend confidently on everyday life, and those dollars often land in local shops, restaurants, and services across Northeast Tennessee and Southwest Virginia. That local spending supports small businesses, keeps sales taxes closer to home, and reinforces the fabric of Kingsport in a way most people never think about when they hear the phrase financial advisor.  We also talk about community involvement beyond finance, including chambers, civic groups, and support for schools, plus the outsized role that coaching and sports can play in shaping young people into adults with character. Jeff connects that coaching mindset to financial education in the office: each meeting is a chance to help people understand the investment and economic world a little more clearly so they can make better decisions with less stress.  Finally, we look forward to the next 60 years and the legacy we want to build: integrity, honesty, compassion, and a standard of “hospitality” that treats people like people, not accounts. If you care about retirement planning in Kingsport, TN, community-first business values, and what real stewardship looks like over generations, this one is for you. Subscribe, share this with a friend in the Tri-Cities, and leave a review with the one lesson you think every family should learn about money. To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    18 min

  2. APR 24

    B&H Wealth Strategies: What 60 Years Of Markets And Inflation Teach Us About Building Wealth

    The numbers from 1966 to today are wild, but the lesson is simple: time plus discipline can beat a lot of uncertainty. We look back to the year B&H Wealth Strategies began, when the market was in a bear market and the Dow was under 1,000, then connect that moment to the financial decisions families are wrestling with right now in Northeast Tennessee, Southwest Virginia, and everywhere else. We break down what long-term investing can look like when you let compounding do its job, including a real-world illustration of how $100 invested in the Dow and held for decades could grow into something life-changing when dividends are reinvested. Then we zoom in on inflation and purchasing power, because “returns” only matter if they keep up with what life costs. You’ll also hear a grounded comparison between housing appreciation and stock market performance, plus a reminder that a home is first a home, not just a line item in a portfolio. Media and Marketing Director Matt Bingham joins us to share personal stories that tie family legacy to the firm’s 60-year history, and we finish by looking forward: how technology like AI in financial planning can help us move faster behind the scenes while keeping what matters most, the human, one-on-one relationship at the center. If you care about retirement planning, wealth management, and making smarter decisions in a changing world, this conversation will sharpen your perspective. Subscribe for more, share this with a friend who’s thinking about their financial future, and leave a review so more people can find the show. What’s one money assumption you’re ready to challenge? To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    16 min

  3. APR 17

    Celebrating 60 Years In Business! The History and Legacy of B&H Wealth Strategies

    Sixty years is a long time to earn trust, especially in wealth management where markets change, families change, and life can turn on a single phone call. Jeff Bingham sits down with Skip Mauney to tell the story behind B&H Wealth Strategies and what it really takes to build a client-first financial planning firm that lasts in Kingsport and throughout Northeast Tennessee and Southwest Virginia. We start at the beginning: April 1, 1966, when Jeff’s dad and co-founder Norman Hensley took a leap from the comfort of an established insurance agency to create something new. Jeff talks about the unseen cost of entrepreneurship, the long hours, and why the families behind the founders mattered as much as the founders themselves. Then the conversation shifts into the defining tests, including a massive heart attack in 1975 and how that season shaped the family and the business. From there, we dig into the values that stayed constant: fiduciary responsibility, putting clients first, and delivering more than we promise. Jeff explains why financial services can be transactional by nature, yet still become transformational when the relationship is built on service, humility, and trust. We also look forward to the next generation, including Jake, and how we plan to adapt with technology and AI while keeping the old fundamentals that work. If you care about retirement planning, choosing a financial advisor, or building a legacy that outlives you, press play and come along for the story. Subscribe, share this with someone who values long-term trust, and leave a review so more listeners can find the Four Seasons Podcast. To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    17 min

  4. MAR 31

    Oil Volatility And What It Means For Financial Planning

    Markets do not need a direct hit to react, they just need a credible threat to a bottleneck. We sit down to connect today’s Middle East conflict to the real-world mechanics that move portfolios: oil volatility, shipping disruption, insurance risk, and the fear premium that gets priced into markets long before the story feels “settled.” If you have been watching crude jump from the $70s toward $90 and beyond and wondering what that means for your retirement plan, you are not alone. We talk through why the Straits of Hormuz matters so much to global energy supply, why most of that flow feeds Asia and especially China, and how that concentration can ripple back into US inflation and consumer prices even when America produces much of its own oil. We also unpack how modern disruption works, from mines to drones to tanker risk, and why those details can matter for inflation expectations, interest rates, and investor sentiment. Most importantly, we bring it back to financial planning basics: separate news from noise, avoid knee-jerk reactions, and keep your strategy aligned with your time horizon and risk tolerance. If you want a clearer view of how geopolitical risk and energy prices can affect your long-term investing and retirement planning in Northeast Tennessee and Southwest Virginia, follow along and reach out. Subscribe, share this with a friend who is stressing over headlines, and leave a review so more people can find the show. To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    16 min

  5. MAR 24

    Using AI As A Tool For Your Long-Term Financial Plan

    AI is everywhere in the market right now, but most people still have the same practical question: does it actually belong in a long-term financial plan, and if so, how? We tackle that head-on by separating AI as an investment theme from AI as a day-to-day planning tool, and we keep it grounded in what matters for real households: risk tolerance, diversification, and staying on track when the news gets loud. On the investing side, we explain why many investors already own meaningful artificial intelligence exposure simply by holding diversified equity funds like S&P 500 index mutual funds and ETFs. That basket approach includes major AI players like Microsoft and Nvidia without forcing you to gamble on picking the next breakout stock. We also dig into why some of the biggest AI names can surge and then cool off as investors shift from excitement to demanding results like earnings, margins, and cash flow. That “show me” phase can be a healthy sign when it helps broaden market leadership beyond a handful of mega-cap stocks. Then we move to AI in financial planning. We talk about AI-driven research for do-it-yourself investors, the real risk of overconfidence, and why a quick answer is not the same as the right answer for your taxes, retirement income plan, or Social Security claiming strategy. From our side as a wealth management firm, we share how tools like Claude can boost efficiency in marketing and website work so we can spend more time serving clients face-to-face, not less. We also address the big fear topic: jobs, disruption, and whether AI ultimately makes the economy more productive and affordable. If this conversation helps you think differently about AI and your money, subscribe, share the episode with a friend, and leave us a quick review so more people can find it. What’s your biggest question about AI and your financial future? To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    22 min

  6. FEB 27

    Long-Term Care Coverage 101: Protecting Your Retirement And Legacy

    How Important Is Long-term Care Coverage In My Financial Planning? A single health event can hijack decades of careful saving. We dive into the hard truths and practical solutions around long-term care: what it really costs, when to start planning, and how to protect both your income and your legacy. With real-life caregiving stories and clear-eyed numbers, we walk through the typical path most families face—family help, private in-home care, then assisted living—and why waiting to address it can limit your choices and spike your costs. We break down the tools that can safeguard your plan. Stand-alone long-term care insurance offers focused protection but is harder to qualify for as you age and as health issues stack up. Hybrid approaches—life insurance or annuities that multiply dollars for qualified care—can be easier to underwrite and create a dedicated pool for expenses, without abandoning flexibility. Think of it as the retirement-era counterpart to disability insurance: instead of replacing a paycheck, it protects the income streams your plan depends on. Underwriting for long-term care looks at morbidity, not mortality, which is why timing matters. Starting in your late 50s to early 60s can improve approval odds and pricing. We also address how policy design has evolved since the 1990s, why premiums changed, and how to decide between paying ongoing premiums or allocating a lump sum to a hybrid product. Above all, we show how to model premiums, benefits, and likely costs inside a complete retirement plan, so you can see whether your lifestyle holds under stress and your legacy remains intact. If you’ve watched parents wrestle with care decisions, you know the stakes. Use this conversation to turn worry into a plan: measure your risks, consider the right coverage mix, and decide where you want care delivered before urgency makes the choice for you. If this helped you think differently about long-term care planning, subscribe, share with a friend who needs it, and leave a review with the one question you still want answered. To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    21 min

  7. FEB 23

    From 60-40 To Smart Risk: How To Reset Your Portfolio For The New Year

    Are There Any Changes In The New Year To Consider For The Average Portfolio? Markets rallied for three straight years, and that quiet tailwind may have nudged a lot of “balanced” portfolios into riskier territory than intended. We unpack how allocation drift happens, why it matters more than most headlines, and the simple, rule-based rebalancing steps that protect your long-term goals without trying to time the market. Along the way, we pull back the curtain on how we evaluate underperforming funds, decide when to replace them, and keep overall risk steady while upgrading the lineup. We also talk through the human side of money. Letting winners run feels great until volatility spikes; buying what just fell feels wrong even when it’s right. We share a practical playbook: set a target mix, define a tolerance band, automate contributions toward underweight assets, and commit to acting when bands are breached. That structure helps override fear and greed, two powerful forces we’ve seen derail plans over decades. You’ll hear how a 60-40 can quietly become 70-30, what that means for drawdowns, and how a quick rebalance restores alignment with your true risk tolerance. To round things out, we hit key tax and savings angles. We outline current IRA contribution limits—$7,500 per person under 50 and $8,500 with catch-up at 50-plus—and why Roth versus Traditional is a tax-bracket decision, not a trend. We touch on 401(k) considerations and how new contributions can serve as a tax-smart rebalancing tool. The theme running through it all is simple: balance and discipline. Build a portfolio that matches your life, then keep it that way with clear rules and calm execution. If you found this helpful, follow the show, share it with a friend who’s overdue for a rebalance, and leave a quick review to help others discover us. Ready for a second opinion on your allocation? Schedule your free 20-minute consultation online or call 423-247-1152. To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    14 min

  8. JAN 23

    Smart Investments: Should Average Investors Hold Gold Now?

    Is Gold A Smart Investment For The Average Investor Today? Gold’s shine is back in the spotlight after a dramatic 65% run, but the better question is why it moved and where it fits in a thoughtful plan. We dig into the tension between gold’s timeless role as a store of value and the realities of modern markets shaped by fiat currencies, central banking, and policy cycles. Along the way, we unpack whether gold is “money” or simply another asset class, and why that distinction matters when fear rises, rates shift, or headlines stir anxiety. Jeff Bingham walks through the big turning points: the 1971 break from the gold standard, the expansion of government debt, and the mechanics of money creation that shape investor psychology. We examine how central banks and wealthy investors accumulate and store bullion, what that signals about trust and geopolitics, and why the dollar can remain the reserve currency for a long time while gold still serves as a credible hedge. Expect clear takeaways on what actually drives gold’s price—real yields, risk sentiment, and scarcity—versus the myths that cloud judgment. For everyday investors, we get practical. You’ll hear a straightforward sizing idea around a small 2.5% slice, guidance on how to choose between physical gold, ETFs, and miners, and a simple rebalancing approach to keep gold a tool rather than a prediction. We also weigh opportunity costs during higher-rate environments and outline the conditions that tend to support or cap gold’s momentum. If you want a nuanced view that cuts through hype and helps you decide whether gold earns a place in your portfolio, this conversation delivers clarity without the jargon. If this resonates, follow the show, share it with a friend who’s debating bullion versus ETFs, and leave a quick review with your biggest takeaway. Your feedback helps more investors find smart, steady guidance. To learn more about B&H Wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies  423-247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

    18 min
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About

Welcome to the 4 Seasons Podcast! Brought to you by B&H Wealth Strategies, proudly serving Northeast Tennessee and Southwest Virginia since 1966. Hosted by Jeff Bingham, President of B&H Wealth Strategies, this podcast is your guide through the ever-changing seasons of your financial journey.  From practical strategies to grow your wealth to tips on protecting your hard-earned assets, we’re here to help you dream big, plan smart, and enjoy life to the fullest. Whether you’re just starting out or planning your legacy, every episode is packed with actionable insights to turn your financial dreams into reality. Ready to take the next step? Schedule your free 20-minute consultation today and start your journey to financial success! Tune in now—because every season is the right season to plan for your future.  To learn more about B&H wealth Strategies visit: https://www.BHRetire.com B&H Wealth Strategies 423- 247-1152  Securities and advisory services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Silver Oak and B&H Wealth Strategies are not affiliated. http://www.finra.org/ http://www.sipc.org/

Information

  • Creator
    Jeff Bingham
  • Years Active
    2025 - 2026
  • Episodes
    30
  • Rating
    Clean
  • Copyright
    © 2026 4 Seasons Podcast
  • Show Website
    4 Seasons Podcast