Dollars&Sense Nelson Financial Planning

Joel Garris of Nelson Financial Planning
  • 5.0 (8)
  • INVESTING
  • UPDATED WEEKLY

💵 About Dollars & Sense: 💵 Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 💥 Make sure you subscribe so you never miss an update. 👉 Visit our website: NelsonFinancialPlanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.  About Joel Garris: Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions. Offering securities through Nelson Ivest Brokerage Services, Inc, Member FINRA, MSRB & SIPC. 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. 3D AGO

    The IRS Dirty Dozen & the Digital Shift: What Every Taxpayer Needs to Know

    Tax season may be over, but tax scams are not. In this episode, Joel Garris and Christina Lamb break down the IRS’s annual “Dirty Dozen” list of the most common tax scams targeting taxpayers right now—from phishing texts and AI-powered phone scams to fake charities, ghost preparers, identity theft, and misleading social media tax advice. They also unpack the IRS’s ongoing digital shift and explain what it means for refunds, payments, online accounts, and why taxpayers need to prepare now. If you want practical tips to protect your money, avoid costly mistakes, and stay ahead of major IRS changes, this is an episode you won’t want to miss. 💵 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

  2. MAY 11

    10 Essential Questions to Ask Your Financial Advisor

    Join Joel Garris on this insightful episode of Dollars & Sense, where he explores the top questions you should ask your financial advisor, planner, or wealth manager.   Discover why it’s crucial to understand how your advisor is compensated, the importance of the fiduciary standard, and how to evaluate investment philosophy, communication practices, continuity planning, portfolio details, risk management, goal tracking, beneficiary strategies, tax minimization, and how to reach your advisor during critical moments.  Joel also shares practical guidance on how long to keep financial documents and the best ways to safely dispose of sensitive paperwork. Whether you’re preparing for your next review meeting or seeking clarity in your financial life, this episode is filled with actionable insights to help you make smarter decisions with your money.  💵 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

  3. MAY 4

    Graduation Season: Launching Financial Success for Grads & Parents

    Actionable Advice for New Grads and Their Families  Ready to celebrate graduation season with a dose of real-world financial wisdom? 🎉 Join Certified Financial Fiduciaries™ Chet Cowart and Zach Keister for a lively, informative episode as they step in for Joel—who’s off attending his son’s college graduation in Boston. Whether you’re a proud parent or a fresh grad, this show is packed with practical, kitchen-table conversations you need right now!  From budgeting basics and building a financial foundation to setting healthy boundaries and tackling student loans, Chet and Zach deliver four actionable tips for parents and four smart financial moves for graduates. Plus, discover why the Dollars & Sense book and companion workbook make the perfect gift for anyone starting their adult journey. Tune in for a fun, approachable guide to launching your financial future—no jargon, just real talk. 💵 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

  4. APR 27

    Your Will Doesn’t Decide Who Gets Your Money + Give More to Charity & Pay Less in Taxes

    In this episode of Dollars & Sense, Joel Garris tackles two of the most misunderstood—and most impactful—areas of financial and estate planning. First, Joel breaks down a common myth: your will does not control where most of your money goes. Instead, beneficiary designations quietly determine who inherits retirement accounts, life insurance, annuities, and many investment and bank accounts. With trillions of dollars passing outside of wills every year, Joel explains why outdated or overlooked beneficiary forms can create costly mistakes—and what simple steps you can take today to make sure your assets end up exactly where you intend. Next, Joel dives into one of his favorite planning strategies: Qualified Charitable Distributions (QCDs). If you’re charitably inclined and over age 70½, this powerful tool allows you to support causes you care about while significantly reducing your tax burden. Joel walks through how QCDs work, the rules you must follow, common pitfalls to avoid, and why they can be far more tax‑efficient than writing a check—especially when it comes to required minimum distributions, Medicare premiums, and Social Security taxation. Along the way, Joel also shares timely market perspective during earnings season, highlights the importance of staying organized with financial documents, and explains how thoughtful planning can reduce stress, cost, and conflict for the people you love. If you’ve ever wondered whether your estate plan is really doing what you think it is—or how to give charitably in the most tax‑smart way—this episode is packed with practical insights you won’t want to miss. 💵 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

  5. APR 20

    Tax Season Reality Check + Market Whiplash: What Your Refund (and Rate) Really Means

    April 15 is in the rearview mirror—but what did we actually learn from this tax season? In this episode of Dollars & Sense, Joel Garris and CPA/CFP® Kristin Castello break down the biggest takeaways we saw on real tax returns, plus what the latest IRS/Treasury stats may be signaling for households heading into the rest of the year. 🧾💡    We also connect the dots to the markets: a reminder of how quickly headlines can swing sentiment—and why consistency matters when volatility shows up. 📊    In this episode:  • What’s driving bigger average refunds this year—and why a big refund isn’t always “good news” 💰  • New/expanded deductions people asked about most (and where the fine print matters): “no tax on overtime” & “no tax on tips” ⏱️🍽️  • Enhanced senior deduction + standard vs. itemized trends 👵🧾  • The tax-bracket myth: marginal tax rate vs. effective tax rate (and why most people pay less than they think) 📉  • Market volatility, recoveries, and the value of staying disciplined  💵 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. APR 13

    Tax-Smart Moves, Powerful HSAs, and the New Retirement

    This episode covers three topics that can have a big impact on your financial future: how to avoid a surprise tax bill next year, why a Health Savings Account (HSA) may be one of the most underutilized retirement assets, and how retirement planning has changed (it’s not your parents’ retirement anymore).  In this episode:  Why the IRS is a “pay-as-you-go” system—and what to change if you owed this year  Withholding vs. quarterly estimated payments (and when each applies)  Social Security and retirement distributions: common tax withholding blind spots  HSAs explained: the triple tax advantage (and why it matters)  Key HSA rules before and after age 65, including Medicare timing  Why retirement may last 30–40 years—and why flexibility beats a “perfect forecast”  💵 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

  7. APR 6

    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

  8. 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
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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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