The Investor Coaching Show with Paul Winkler The Investor Coaching Show

Paul and Anne talk about how insurance companies use misleading income projections when they look to sell fixed-index annuities. Anne brings an article that talks about the different models that are used to assure investors that their money will be safe in an annuity product and how investors don’t find out what the real returns are until it’s too late to take their money out without penalty. Later in the episode, the advisors address the psychology behind why people go to advisors for financial help but have a hard time acting on the advice.
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul and Anne discuss the recent lawsuit filed by the Federal Trade Commision (FTC) and 17 states against Amazon for anti-competitive and monopolistic practices. They cover some of the allegations brought against Amazon, like controlling online search results and charging high fees to third-party vendors. Listen along to hear about the potential implications of the lawsuit on small businesses and the broader tech industry. Paul warns investors that these kinds of legal cases are unpredictable and that investors who try to use information like this to game the market end up getting hurt. They highlight the importance of competition and its benefits for consumers.
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Paul shares about a helpful meeting he had this week with some employees where he explained his strategy for their 401(k)s and why he does not include target date funds. Paul shares an easy-to-understand analogy that explains why these funds tend to be overweighted in the companies with the least-expected return. Later in the episode, Paul shares an article called “Tailoring Advice for the Elderly Brain” from Advisor Perspectives that explains how problem solving and decision making changes as we age. 
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

When you’re investing, sometimes the only information you have to work with is the fund name. The SEC is voting to place more restrictions on how fund companies name their funds and what the funds contain. Listen along as Paul talks about why misleading fund names are a problem in the investing industry but why these disclosures and restrictions won’t go far in helping investors understand what they’re investing in and what the risks are. Later in the episode, Paul responds to a listener who has listened to his episodes about a US digital currency and still has some concerns. 
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

A listener reaches out to Paul with a pretty common and important question: Is it time to convert my traditional IRA into a Roth IRA? While this is a common question, it doesn’t have a simple, cookie-cutter answer. Listen along while Paul walks through some of the details of this listener's specific situation and shares what you need to consider before you start trying to do Roth conversions. Later in the episode, Paul revisits how the rising cost of homeowners’ insurance has some homeowners dropping their coverage and why homeowners’ insurance is foundational to your financial plan.
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today, Paul finds a MarketWatch article called “We’re Investing in Bonds All Wrong” that claims investors just don’t know how to invest in bonds. Listen along as Paul shares whether this article is teaching investors how to understand how bond markets work or if it’s trying to pitch some kind of bond strategy that isn’t worth the risk. Later in the episode, Paul talks about why investing only in U.S. bonds doesn’t accurately capture the world bond market.
 
For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.