Dollars&Sense Nelson Financial Planning

Joel Garris of Nelson Financial Planning
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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. 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. 2D AGO

    Tax Mistakes, IRS Tips, Sports Gambling & Market Insights

    Join Joel Garris and Rob Field for a lively Easter edition of Dollars & Sense! In this episode, we kick things off celebrating Easter and exploring its unique mix of Christian tradition and modern-day commercialization (think chocolate bunnies and Easter egg hunts). Then, with the tax deadline just days away, Joel and Rob share practical tips to avoid common IRS mistakes that could cost you time, money, and peace of mind. Learn how simple errors like name changes, unreported income, and ignored IRS letters can lead to big headaches—and how to stay off the IRS’s radar.  Plus, it's Final Four weekend! The hosts dive into the explosive growth of online sports gambling, revealing eye-opening statistics about success rates, average losses, and the impact on personal finances. Discover why betting and investing are not the same—and how young generations can build wealth by focusing on fundamentals, not quick wins.  Discover fun Easter history facts & traditions  IRS tips: Extensions, payments, direct deposit & more  Sports betting vs. investing—know the difference!  Market recap: 2026 Q1, oil shocks, and the importance of portfolio diversification  Key Takeaways:  ✔️ Details matter—whether you’re filing taxes, investing, or betting  ✔️ Diversification and consistency are essential in uncertain markets  ✔️ Sports gambling rarely beats true long-term investing  #IRSProblems #FinancialPlanning #SportsBetting #InvestingTips #FinalFour #Diversification #PersonalFinance  💵 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

    38 min

  2. MAR 30

    How Interest Rates Impact Tax Bill, Geopolitics and Investing, and Smart Portfolio Strategies

    In this episode of Dollars & Sense with Joel Garris, CERTIFIED FINANCIAL PLANNER® at Nelson Financial Planning, we tackle some of the hottest financial topics of the week:  IRS Interest & Penalties: Did you pay extra on your tax bill? Discover why IRS penalties are on the rise, how interest rates affect what you owe, and actionable steps you can take to avoid unnecessary costs.  Market Corrections Explained: With markets sliding into correction territory, Joel breaks down what a 10%+ decline means, why volatility is normal, and how headline-driven market drops often recover faster than you think.  Inflation & Real-World Impact: Are rising gas prices hurting your wallet, or is it mostly psychological? Learn how inflation affects different households and why financial planning should focus on your numbers—not the headlines.  The Power of Diversification: Ever wonder why your investments don’t all perform the same? Joel answers common questions about diversification, the risks of concentration (even in index funds), and how to build a portfolio that weathers market ups and downs.  Global Economics & the Dollar: Get an update on the U.S. dollar’s strength, China’s shrinking share of the global economy, and why America’s economic position remains unique and strong.  Federal Reserve & Interest Rates: Find out how shifting expectations around rate cuts are impacting markets—and why you shouldn’t build your investment strategy around Fed predictions.  Election Year Volatility: Learn historical stats on market swings during midterm election years and why volatility is usually temporary.  Whether you’re a taxpayer, investor, or retiree, this epi 💵 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

    38 min

  3. MAR 23

    Market March Madness: Private Credit Squeeze & The Truth About Tax-Free Retirement

    Join Joel Garris and Chet Cowart on this week’s episode of Dollars & Sense as they take you courtside for a lively discussion that fuses the excitement of March Madness with the intensity of today's financial headlines. This episode dives into the "private credit squeeze"—how hot new investment products can quickly go from hype to headache, and why liquidity and transparency matter more than ever.  The hosts break down what private credit is, how it’s become the latest Wall Street darling, and why even big-name fund managers are feeling the pressure as investors clamor to cash out. Whether you’re a seasoned investor or just curious about these trending products, you’ll learn the risks and realities behind the glossy sales pitches and limited withdrawal policies.  In the second half, Joel and Chet tackle the buzz surrounding a "totally tax-free retirement." Are those seminar promises too good to be true? Get the real story on Roth conversions, backdoor IRAs, and why tax planning isn’t a one-size-fits-all solution. They share real-world examples, highlight common pitfalls, and offer guidance for anyone considering major moves with their retirement savings.  Plus, enjoy some fun NCAA tournament banter, insights on the changing landscape of college sports and NIL money, and practical advice for making smarter financial decisions—no matter what the headlines say.  Understanding the private credit squeeze: hype vs. reality  What limited liquidity means for your portfolio  The facts (and fine print) about achieving a tax-free retirement  Why individualized planning beats blanket advice every time  Don’t let market trends or eye-catching ads dictate your financial future. Tune in for a winning playbook on navigating today’s investment landscape!  💵 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

    40 min

  4. MAR 16

    Often Missed Tax Credits & Five Scams to Dodge This Filing Season

    Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes  Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool.  But we don’t stop there: Tax season is a prime time for scammers, and they’re getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind.  Whether you’re a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have.  💵 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

    39 min

  5. MAR 9

    Bombs, Benefits, and Brackets: Navigating Investments, Trump Accounts, and IRMAA Surprises

    This week’s episode of Dollars & Sense dives into the headlines shaking up the financial world—from the U.S. and Israel’s military action in Iran and rising oil prices to the launch of new “Trump accounts” for minors and the dreaded IRMAA Medicare adjustments. Joel Garris and Rob Field break down the immediate market reactions, share personal stories (including a real-life gas price dilemma), and offer practical, calm action steps for investors facing uncertainty. Learn how historical market shocks recover, why diversification beats prediction every time, and what you need to know about setting up Trump accounts for your kids—including how to snag up to $1,000 free from the government. Plus, get expert insight on IRMAA: how your income can unexpectedly bump up Medicare premiums and shrink your Social Security check—along with proactive tips to avoid getting caught off guard.  Whether you’re worried about your portfolio, planning for your child’s financial future, or wondering how to navigate Medicare surcharges, this episode is packed with timely advice and actionable strategies. Tune in for relatable stories, clear explanations, and a holistic approach to making sense of your dollars in uncertain times. Don’t miss out—your financial peace of mind might be just one listen away.  💵 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

    39 min

  6. MAR 2

    Don’t Get Scammed: Smart Tips on Financial Security & Retirement Community Readiness

    Ready to safeguard your finances and make confident life transitions? In this must-listen episode of Dollars & Sense with Joel Garris, Joel dives into two of today’s most important money topics: protecting yourself from modern scams and preparing for a move to a retirement care community.  🔒Outsmarting Scammers & Protecting Your Data  Have you ever received official-looking letters, texts, or emails trying to charge you for services you can easily (and cheaply) do yourself? Joel kicks off the episode with real stories from the front lines, exposing common business formation scams and revealing why independent verification is your best defense. Learn practical ways to protect your money and personal data from increasingly sophisticated scammers—plus, what simple actions you can take today to avoid becoming a victim.  🏡 Financial Readiness for Retirement Community Living  Thinking about moving into a retirement care community, or helping a loved one with this transition? Joel walks you through the essential financial checklist for a stress-free move. From understanding your full financial picture to comparing costs, planning for taxes, updating your legal documents, and more—get the step-by-step guidance to make smart, confident choices for your next big chapter.  👉 Whether you’re starting a business, moving into a new life stage, or just want to keep your hard-earned money safe, this episode is packed with actionable advice you can use right now.  How scammers target new business owners—and how to spot the tricks  Three key habits to keep your identity and assets secure in the digital age  The 8 financial steps to take before moving to a retirement care community  Tips on tax planning, legal documents, and navigating changing expenses    💵 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

    40 min

  7. FEB 23

    Money & Mindset: Why We Do What We Do With Our Dollars

    Understanding the Human Side of Financial Decisions  Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life.  Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and social comparisons influence your financial behaviors. From procrastinating on taxes to feeling envy or guilt when scrolling social media, Zach and Christina break down common cognitive biases—like loss aversion and present bias—and offer relatable stories (including a Monopoly experiment!) to show how these play out in real life.  Get practical with 5 actionable tools to rewire your financial habits:  Automate your savings and bills for less stress  Create simple money rituals to reduce avoidance  Reframe your money story for a healthier mindset  Add friction to overspending and remove it from positive habits  Seek accountability and professional support when needed  Walk away with strategies to break the anxiety–avoidance loop, resist emotional overspending, and counteract the pressure of social comparison. Whether you're just starting out or looking to strengthen your financial foundation, this episode will help you see your money life as a relationship you can nurture and improve—no shame, just progress. 💵 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

    39 min

  8. FEB 16

    Market Myths & Money Moves! Plus, the questions you should ask your advisor

    With gold and silver surging to eye-catching highs, Joel unpacks whether now is really the right time to jump in. Get the unvarnished truth about the risks and realities of investing in gold and silver, including their historical track record, the costs that often go overlooked, and why they’re not always the golden ticket to wealth the headlines might suggest. Discover how herd mentality, FOMO, and social media hype can drive prices—and why long-term results often tell a different story.  But that’s not all—this episode empowers you with a practical checklist of essential questions to ask your financial advisor. Joel breaks down the crucial topics: understanding all the fees you’re paying, ensuring your advisor acts as a fiduciary, grasping their investment philosophy and track record, and knowing how they’ll communicate with you through the market’s ups and downs. These questions are designed to help you build a true partnership and make well-informed decisions about your financial future.  Whether you’re a seasoned investor, just getting started, or simply curious about the latest trends in money management, this episode promises valuable insights, clear explanations, and actionable advice. Tune in to sharpen your financial acumen and make sense of your dollars—plus, find out how you can connect with Joel and his team for further guidance.  Listen now to get the facts, cut through the hype, and take charge of your finances with confidence!  💵 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

    40 min
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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. 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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