The Thoughtful Investor

Bryan Yach, CFP®

Good investing begins with an honest assessment of what you know… and what you don’t know.  The Thoughtful Investor is a podcast from Bryan Yach, CFP® and Yach Advisors exploring investing, financial planning, and the decisions that come with building and managing wealth. Each episode looks beyond headlines and market predictions to understand the ideas, research, and behaviors that can help us become more thoughtful investors.  Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.2241 E. Continental Blvd., Suite 130Southlake, TX 76092(817)778-0007© 2026 Yach Advisors. All rights reserved.

Episodes

  1. 1d ago

    Is a 1% Financial Advisor Fee Worth It? | What You're Actually Paying For

    Are you paying a management fee?  Are you considering whether or not you should be paying a fee?  Maybe you're considering some less expensive alternatives.  In this episode of The Thoughtful Investor, Bryan Yach, CFP® addresses those questions and more; breaking down some of the recent targeted social media ads saying that financial advisors aren't worth the cost.   If you’ve ever wondered what you’re actually getting for your fees, or if you’re being quietly overcharged, this episode will change how you look at your portfolio  and possibly even your advisor. Bryan Yach, CFP® is a Wealth Advisor with more than 15 years of experience helping individuals and families navigate investing, retirement, and complex financial decisions. His approach emphasizes thoughtful financial planning, disciplined investing, and making sure the risks people take with their money actually serve the life they’re trying to build. Yach Advisors is a financial planning and investment firm serving individuals and families who want their investments to be part of a larger financial plan. The firm provides comprehensive guidance across investment management, retirement planning, tax-aware strategies, estate planning coordination, risk management, and other financial decisions that become increasingly important as wealth grows. www.YachAdvisors.com   The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2241 E. Continental Blvd., Suite 130 Southlake, TX 76092 (817)778-0007 © 2026 Yach Advisors. All rights reserved.

  2. Aug 25

    The Government Is $40 Trillion in Debt. Should Investors Be Concerned?

    The United States government is more than $40 trillion in debt and continues to run annual deficits measured in the trillions. If a household consistently spent more than it earned and borrowed to cover the difference, the advice from your financial planner would be straightforward: something needs to change. But the federal government isn't a household. In this episode of The Thoughtful Investor, Bryan Yach, CFP®, examines how the national debt accumulated, why the household-budget analogy is both useful and misleading, and what a growing debt burden could actually mean for taxpayers, the economy, and investors. We look at rising interest costs, inflation, taxes, Treasury markets, the government's ability to issue debt in its own currency, and why the consequences of excessive debt may look less like a sudden financial collapse and more like a gradual reduction in the choices available to future policymakers and taxpayers. Most importantly, what can an investor actually do about it? Recognizing a legitimate economic risk doesn't mean we know exactly when (or how) it will affect markets. A concern isn't a forecast, and a forecast isn't an investment strategy. Bryan Yach, CFP® is a Wealth Advisor with more than 15 years of experience helping individuals and families navigate investing, retirement, and complex financial decisions. His approach emphasizes thoughtful financial planning, disciplined investing, and making sure the risks people take with their money actually serve the life they’re trying to build. Yach Advisors is a financial planning and investment firm serving individuals and families who want their investments to be part of a larger financial plan. The firm provides comprehensive guidance across investment management, retirement planning, tax-aware strategies, estate planning coordination, risk management, and other financial decisions that become increasingly important as wealth grows. www.YachAdvisors.com   The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2241 E. Continental Blvd., Suite 130 Southlake, TX 76092 (817)778-0007 © 2026 Yach Advisors. All rights reserved.

  3. Aug 19

    How Much Money Do You Actually Need to Retire?

    How much money do you actually need to retire? $1 million? $2 million? Five million? There’s no universal retirement number and relying on a simple rule of thumb can leave out some of the most important parts of retirement planning. In this episode of The Thoughtful Investor, Bryan Yach, CFP®, breaks down a more practical way to think about the question. Instead of starting with your investment balance, start with your life: what you spend, how you want to live in retirement, when you want to retire, and the income you’ll already have coming in. From there, we explore Social Security, pensions and other income sources, the retirement income gap, withdrawal rates, taxes, inflation, longevity, asset allocation, and the risk of retiring into a major market decline. Before answering the question directly, or with a rule of thumb, determine what your money actually needs to accomplish, and whether the assets you’ve accumulated are prepared to do that job. Because your retirement isn’t a statistic. It’s your life. Bryan Yach, CFP® is a Wealth Advisor with more than 15 years of experience helping individuals and families navigate investing, retirement, and complex financial decisions. His approach emphasizes thoughtful financial planning, disciplined investing, and making sure the risks people take with their money actually serve the life they’re trying to build. Yach Advisors is a financial planning and investment firm serving individuals and families who want their investments to be part of a larger financial plan. The firm provides comprehensive guidance across investment management, retirement planning, tax-aware strategies, estate planning coordination, risk management, and other financial decisions that become increasingly important as wealth grows. www.YachAdvisors.com   The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2241 E. Continental Blvd., Suite 130 Southlake, TX 76092 (817)778-0007 © 2026 Yach Advisors. All rights reserved.

  4. Aug 13

    Can AI Be Your Financial Advisor? The Real Impact of AI on Financial Advice

    AI can answer financial questions in seconds. It can explain investment strategies, compare retirement accounts, analyze tax concepts, and increasingly provide something that looks a lot like financial advice. So where does that leave the financial advisor? In this episode of The Thoughtful Investor, Bryan Yach, CFP®, explores what artificial intelligence is already remarkably good at and where the difference between financial information and financial advice becomes important. We’ll look at how investors are using AI today, what recent research tells us about trust in AI-generated financial guidance, and why the future of financial advice may not be a competition between humans and machines at all. In this episode:  How investors are already using AI for financial guidance  Where AI has an advantage over traditional financial research  The difference between information, advice, and judgment  Where human behavior complicates technically correct answers  How AI could change the role of financial advisors  What financial advice may look like in the years ahead Follow for more future episodes on topics like these! Bryan Yach, CFP® is a Wealth Advisor with more than 15 years of experience helping individuals and families navigate investing, retirement, and complex financial decisions. His approach emphasizes thoughtful financial planning, disciplined investing, and making sure the risks people take with their money actually serve the life they’re trying to build. Yach Advisors is a financial planning and investment firm serving individuals and families who want their investments to be part of a larger financial plan. The firm provides comprehensive guidance across investment management, retirement planning, tax-aware strategies, estate planning coordination, risk management, and other financial decisions that become increasingly important as wealth grows. www.YachAdvisors.com   The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2241 E. Continental Blvd., Suite 130 Southlake, TX 76092 (817)778-0007 © 2026 Yach Advisors. All rights reserved.

  5. Aug 10

    Is the Market Too Expensive? The Truth About AI and Today's Stock Market

    📈“The market is expensive.”📉 It’s a phrase investors hear constantly. But what exactly do we mean by the market? In the first episode of The Thoughtful Investor, Bryan Yach, CFP® explores the concentration of the S&P 500, the extraordinary rise of today’s largest technology companies, and why a great company isn’t necessarily a great investment at every price. With the recent artificial-intelligence boom, it's a good reminder that markets move in cycles.   Rather than trying to predict whether AI is a bubble or which company will become the next market champion, Bryan looks at a more useful question: What expectations are already reflected in today's prices, and how should a thoughtful investor prepare for a future nobody can know?  It’s a conversation about concentration, valuation, diversification, changing market leadership and why successful investing may have less to do with predicting what happens next than building a plan that doesn’t require you to. 🎙️Follow The Thoughtful Investor for future episodes exploring markets, investing, financial planning, and the ideas shaping today’s investors.   Bryan Yach, CFP® is a Wealth Advisor with more than 15 years of experience helping individuals and families navigate investing, retirement, and complex financial decisions. His approach emphasizes thoughtful financial planning, disciplined investing, and making sure the risks people take with their money actually serve the life they’re trying to build. Yach Advisors is a financial planning and investment firm serving individuals and families who want their investments to be part of a larger financial plan. The firm provides comprehensive guidance across investment management, retirement planning, tax-aware strategies, estate planning coordination, risk management, and other financial decisions that become increasingly important as wealth grows. www.YachAdvisors.com   The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2241 E. Continental Blvd., Suite 130 Southlake, TX 76092 (817)778-0007 © 2026 Yach Advisors. All rights reserved.

  6. Trailer

    We Have More Financial Information Than Ever. So Why Don’t We Understand Money?

    We have more financial information at our fingertips than ever before. So why are investing, financial planning, interest rates, inflation, bonds, and the stock market still so poorly understood? In this introduction to The Thoughtful Investor, Bryan Yach, CFP® explores a problem he believes deserves more attention: financial education in America hasn’t kept pace with the increasingly complicated financial decisions people are expected to make. We can check the S&P 500 from our watches and follow financial news around the clock, but access to more information doesn’t necessarily create better understanding.  Bryan brings together his background in broadcasting with his career as a CERTIFIED FINANCIAL PLANNER™ professional, Wealth Advisor, and owner of a financial advisory firm. The goal of the podcast is simple: take important (and sometimes complicated) investment concepts, dig into the research and history behind them, and make them understandable and useful.  The Thoughtful Investor will explore questions like: Why own bonds if stocks have historically returned more? Why do investors panic during bear markets? What does diversification actually accomplish? Why can a great company still be a bad investment? And how should the purpose of a portfolio change as your financial life changes?  Expect conversations about investing, stock and bond markets, retirement planning, portfolio construction, behavioral finance, economics, financial planning, and investment history, sometimes through current events and sometimes through the people and ideas that shaped modern investing. Because having more financial information, it doesn't mean that we always understand it.   Follow The Thoughtful Investor. We've got a lot to talk about. The Thoughtful Investor is a podcast from Yach Advisors. Bryan Yach, CFP® is a Wealth Advisor with more than 15 years of experience helping individuals and families navigate investing, retirement, and complex financial decisions. His approach emphasizes thoughtful financial planning, disciplined investing, and making sure the risks people take with their money actually serve the life they’re trying to build. Yach Advisors is a financial planning and investment firm serving individuals and families who want their investments to be part of a larger financial plan. The firm provides comprehensive guidance across investment management, retirement planning, tax-aware strategies, estate planning coordination, risk management, and other financial decisions that become increasingly important as wealth grows. www.YachAdvisors.com   The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2241 E. Continental Blvd., Suite 130 Southlake, TX 76092 (817)778-0007 © 2026 Yach Advisors. All rights reserved.

Trailer

About

Good investing begins with an honest assessment of what you know… and what you don’t know.  The Thoughtful Investor is a podcast from Bryan Yach, CFP® and Yach Advisors exploring investing, financial planning, and the decisions that come with building and managing wealth. Each episode looks beyond headlines and market predictions to understand the ideas, research, and behaviors that can help us become more thoughtful investors.  Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.2241 E. Continental Blvd., Suite 130Southlake, TX 76092(817)778-0007© 2026 Yach Advisors. All rights reserved.