Something More with Chris Boyd

With this week marking five years since Covid related shutdowns, Chris Boyd, Jeff Perry, and Russ Ball begin this episode with reminiscing of where they were five years ago and sharing the related personal and financial lessons. The trio explores the similarities of current stock market movements with the recent tariff policy to the uncertainty caused by Covid. The value of working with a financia...

 Being in the heart of income tax time, Chris Boyd, Jeff Perry, and Russ Ball remind listeners of key upcoming filing dates and related retirement account contribution limits. Jeff and Russ discuss the differences between traditional IRAs and Roth IRAs. Chris explains the use of a "back door" Roth IRA and Roth conversions. Chris also advises listeners how 1099's work with Qualified Charitable Dist...

With all the market volatility related to tariffs, Chris Boyd invites Senior Portfolio Manager Brian Regan on the podcast. Also joining the episode is Jeff Perry and Russ Ball. Chris and Jeff open the show with a summary of the latest tariff moves by President Trump as well as commentary why tariffs can be an effective or harmful tool in political and economic arenas. Brian responds to questions f...

 The founders of Back Nine Nurses, Deborah O'Kelly and Kristen Hyde join Chris Boyd and Jeff Perry for an in-depth conversation about how they are responding to the growing needs of senior citizens and their families for trusted, personalized, and compassionate navigation during times of transition and uncertainty related to aging. Topics include homecare, assisted living, medical advocacy, hospic...

Chris Boyd and Jeff Perry welcome Dr. Laura Mattia to the podcast. The conversation focuses on the premise that while money is not the key to happiness, using it wisely can help us pursue our dreams, elevate our status, gain independence, and contribute to meaningful change in the world. The trio digs into why many married women are not involved in the personal finance and investment decisions of...

Is 80% enough? – Chris Boyd and Jeff Perry explore the question of how much you will likely be spending in retirement. The pair begins the conversation with the age-old rule that retirees only need 80% of their pre-retirement income in retirement. Chris and Jeff explore the "retirement smile" and how it can be a good predictor of retirement cash flow. More than just a podcast about money, Chris an...

  Family Planning – not what you are probably thinking? – Families talk about finances in different ways. Some are incredibly open about the realities of their financial situations; some only discuss it when they need to; others consider talking about money as off-limits. If your family isn't having open and honest conversations about finances and wealth, it's time to reevaluate. Chris Boyd and Je...

Challenges to an early retirement – Chris Boyd and Jeff Perry explore the risks and challenges to retiring early. Chris and Jeff start the episode with how some clients have an undefined desire to retire early, and frequently fail to consider the various details. Chris outlines why savings must be abundant as an earlier retirement means not only spending sooner, but also fewer years of savings and...

Fires - Are You Properly Covered? – With the recent fires in California, many homeowners across the country are wondering if they are properly covered. Chris Boyd welcomes Special Guest Doug MacDonald, CPCU to the episode. Joining them is Jeff Perry. The conversation begins with an outline of what homeowners' insurance covers and what it does not. Specific topics reviewed include coverage limits,...

How much can I take? – How retirees determine a safe withdrawal rate is one of the most frequent questions clients ask their financial advisors. Chris Boyd, Jeff Perry, and Russ Ball review a recent Morningstar article (see link below). The conversation includes the pros and cons of relying on the standard rate of 4% as well as the risks of using stagnant rules in financial planning. Jeff raises t...

Free Yourself – Chris Boyd, Jeff Perry, and Russ Ball dig into the value of time and when engaging a financial advisor can have a meaningful impact on free time as well as your financial plan. The trio share commentary how handing over the reins of your portfolio can reclaim precious hours, rediscover your passions, and live a life enriched by experiences and moments that money alone cannot buy. T...

What's new for Social Security in 2025? – With some 73 million Americans relying on Social Security for monthly income, there is a lot of interest in the recent changes to Social Security benefits. Jeff Perry and Russ Ball discuss the recent updates, including the repeal of the Windfall Elimination Provision (WEP), 2025 cost of living adjustment, and changes to income levels related to income taxe...

To convert or not…that is the question – If the title of this podcast captured your attention, let us be clear from the outset that there will not be any religious recruitment efforts forthcoming. What we will be digging into is the question of whether you should convert some or all of your assets from a traditional individual retirement account (IRA) to a Roth IRA. Jeff Perry and Russ Ball explor...

Will your wishes be followed – Inspired by the HBO/MAX series The PITT, Chris Boyd, Jeff Perry, and Russ Ball discuss the need for a comprehensive estate plan and how families can sadly be torn apart without appropriate planning. Jeff reviews the foundational documents of an estate plan. Chris and Russ outline the family conflict that is present in The PITT. The dialogue continues with suggestions...

Navigating life's milestones – Chris Boyd opens this episode with sharing a personal story concerning the recent passing of his first financial planning client. Chris, Jeff Perry, and Russ Ball discuss how working with a financial planner in the different seasons of life can provide great benefit. The trio offers further commentary of the various ways a financial planner can assist individuals/fam...

Trump's Taxes, Tariffs, Immigration & the Market – With the inauguration of President Trump, the focus is shifting from political rhetoric to actual governing. Chris Boyd, Jeff Perry, and Russ Ball dig into the likely economic policies of President Trump and how they may impact the financial markets. Topics include, income taxes, tariffs, immigration, deregulation, cryptocurrency, budget deficits/...

Dogs of the Dow – In this episode, Chris Boyd and Team AMR look into the Dogs of the Dow strategy where an investor annually invests in the ten stocks with the highest dividend yield listed on the Dow Jones Average. Senior Portfolio Manager Brian Regan offers commentary of why this strategy is not the best option for investors who wish to own individual stocks. The conversation includes dialogue a...

Want to Buy or Sell a Business? – Owner of Compass Business, LLC Doug Cabral joins this episode for an in-depth conversation on the process and challenges of buying and selling a small business. Doug, Chris Boyd, Jeff Perry, and Russ Ball dig into a variety of issues involved, including maintaining confidentiality, putting a valuation on an ongoing small business, whether a franchise is a good opt...

Social Security Fairness – With the repeal of Social Security's Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), Chris Boyd, Jeff Perry, and Russ Ball share this breaking news and what it means to over three million people who will see an increase in benefits.  The discussion starts off with a review of the 30+ year history of these provisions.  Jeff outlines the avera...

The rise of the ETF – Chris Boyd shares his commentary about the increasing use of Electronically Traded Funds (ETFs). Chris references a recent paper by JP Morgan which shows that ETFs are not just being used for a passive style of investing. Chris explains how ETFs and Mutual Funds are structured. Jeff Perry and Chris outline the pros and cons of using an ETF for actively managed funds, includin...

A New Year – Chris Boyd, Jeff Perry, and Russ Ball review 2024, including stocks, bonds, real estate, and cryptocurrency. The trio offers their forecasts for 2025 and provide some perspective on how market trends and economic cycles do not last forever and assets tend to revert back to the mean level over time. The conversation turns to the importance of financial planning in the context of volati...

Do you have a Goal? – It is time to think about 2025 New Year's resolutions and goals. Chris Boyd and Jeff Perry share their personal perspectives on setting goals in all areas of one's life. The duo shares why using the SMART goal planning system can be the most effective method. Jeff uses the example of having the goal to save for future college expenses of a child or grandchild. Chris explains...

Annual Reviews/Know Your Numbers – As we close out 2024 and enter a new year, it is a great time to meet with your financial advisor and conduct a holistic review of your financial plan. Jeff begins by outlining having your personal Net Worth Statement and Cash- Flow/Budget. Chris explains in detail the elements of a comprehensive financial plan, including reviewing life changes, investment object...

Don't go broke in retirement – Chris Boyd and Jeff Perry dig into several factors that can lead to someone in retirement not having sufficient assets and income to live their desired lifestyle. Chris and Jeff discuss the below linked article as they review the following risk factors: You Still Have Unsecured Debts, You Can't Stick to a Budget, You Haven't Budgeted for Health- Related Costs, You St...

Not never, but be cautious – Should you buy an annuity as a part of your retirement planning? Based on an email from a listener, Chris Boyd and Jeff Perry provide their commentary on the proper use of annuities. Chris outlines the various types of annuities commonly sold by life insurance companies. Chris and Jeff caution listeners about the embedded fees and features of these products. Jeff point...