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. 2d ago

    The AI Debt Scare, a Rotation Into Value, and the Year-End Deadline You Can’t Afford to Miss

    In this episode of Money Matters, brought to you by Greenberg Financial Group in Tucson, Dean opens with an argument worth hearing if you own anything in the memory space. Micron has been a cyclical stock his entire career, and he explains why he thinks that’s changed, using the human brain to make the case. He also gets into the Chinese chip headlines that keep rattling the group, what the Fed does next, and where Social Security has to go over the next twenty years. From there Dave, Dylan and Sebastian break down the NASDAQ’s worst week in roughly 18 months. It wasn’t a run for cash. The Dow and the equal weighted S&P both finished higher, so money moved around instead of leaving the market. What spooked investors was credit. CoreWeave is at the center of it, down about 80% from its high with its bonds trading at eighty cents on the dollar, and we walk through why Jensen Huang’s comments on CNBC mattered so much. We also make the case that we’ve seen this movie twice already this year. The SaaSpocalypse was supposed to sink Salesforce, AI was supposed to replace cybersecurity, and both groups came back. We also cover hot inflation numbers that somehow sent interest rates lower, Taiwan Semi falling despite 41% revenue growth, NVIDIA announcing the largest buyback in history, and Apple hitting a new all time high on its foldable iPhone. The back half is all about year end planning. We cover the December 31st deadline for required minimum distributions, how qualified charitable distributions let you give straight from your IRA without it becoming taxable income, the 3.6% Social Security increase coming in January, and the 401k super catch up for savers between 60 and 63 that most people don’t know about. Dylan also shows how our what if tool answers the questions keeping people up at night, like what happens if I retire at 62 instead of 65. Plus a Tucson fun fact about a seed vault on River Road. Our next free interactive financial planning seminar is Friday, October 30th at 11:30 at La Paloma Country Club, and only about twenty spots remain. Register at www.GreenbergFinancial.com or give us a call. If you’ve been thinking about taking us up on the free financial plan, this is the kind of clarity it brings. 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. Oct 12

    Why Stocks Keep Setting Records While Rates Rise, Plus New Tax Breaks for Seniors Over 65

    In this episode of Money Matters, brought to you by Greenberg Financial Group in Tucson, Dave and Todd hold down the fort while Dean is in San Diego coaching the University of Arizona lacrosse team and Dylan takes Sebastian to his first SEC game in Kentucky. They dig into something Dave says he has not seen in his career. The S&P 500 and the NASDAQ both set new all time highs in the same week the ten year Treasury hit a 24 year high, and the technical oscillator was reading oversold at the top. Rising rates are supposed to work against stocks, so we get into why this market has been able to shrug that off, how multiple compression is quietly squeezing price to earnings ratios across the board even for NVIDIA, and why earnings growth has been doing all the heavy lifting. The more useful conversation for anyone near retirement is what high rates do to the math. When you can lock in north of five percent on long duration, the old four percent withdrawal rule starts looking like a relic of a three percent world. Todd walks through why we built the four percent rule the way we did, what a 60/40 portfolio actually generates in this environment, and how our strategic income model keeps five years of your spending in bonds so we never have to sell equities at the bottom to pay you. Dave shares what he told a client in a planning meeting last week, which is that this may be one of the more forgiving moments in decades to be stepping into retirement. Haley Glick joins us for the tax segment and untangles one of the most confusing calculations in the code, which is how much of your Social Security actually gets taxed. She explains provisional income, the thresholds where zero, fifty and eighty five percent of your benefit gets pulled into your taxable income, and why Congress built it that way in the first place. We walk through a real client with a small pension and thirty thousand in Social Security who owes nothing on that benefit, and how the One Big Beautiful Bill stacks a new six thousand dollar deduction per person over 65 on top of an already enlarged standard deduction. She also gets into what she keeps finding when she reviews returns prepared elsewhere, and why the phrase it is a write off has cost people more money than it has saved them. On the market side we cover Micron reporting the biggest quarter in its 48 year history with revenue up roughly 380% from a year ago and guidance calling for an even bigger one, Marvell taking orders into 2031, and why memory is on its way to being treated like a utility. We get into the SpaceX spectrum deal that knocked ten to fifteen percent off Verizon, AT&T and T-Mobile in a single session while the cell tower stocks rallied, and why Dave changed his mind about what satellite service can actually replace. There is also Apple falling five percent on iPhone 18 order cuts right before the Duo launch, Cisco quietly becoming the top Dow stock of the year, nuclear names popping on the Meta and Constellation deal and a $34 billion government loan to Vistra, and a line item in NVIDIA’s filing about who owes them money that is worth watching. Plus Costco’s September numbers and a real disagreement about whether its membership base is aging out or aging in, Brian Niccol running Starbucks from Manhattan Beach while rumors swirl about Chipotle, a record low 54% of American adults who drink at all and what that does to restaurant margins, and a Tucson fun fact about how a University of Arizona lab helped NASA pick where to land on the moon. Our next free interactive financial planning seminar is Friday, October 30th from 11:30 to 2:00 at La Paloma Country Club. It is already about half full. Lunch is included, Haley will be there for tax questions, and you will see our full planning process and risk analysis start to finish. Register at www.GreenbergFinancial.com under the resource tab or give us a call. If you have been thinking about taking us up on the free financial plan, this is the kind of clarity it brings. 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. Oct 5

    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.

  4. Sep 29

    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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

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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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