CAPitalize Your Finances

You may have heard that annuities are the greatest thing in finance.  Or maybe you've heard that annuities aren't right for anyone at all.  The truth, though, lies somewhere in the middle: Annuities may be completely suitable for one individual, while another should never consider owning one. In today's interview, Christoper Panagiotu, CFP® talks about the good and bad of annuities,...

For many retirees, it's all about the income.  In fact, that's true for almost everyone who's either retired, or looking to retire in the near future.  How do you supply yourself with enough income to last the rest of your life? On this week's podcast, host Christopher Panagiotu, CFP® speaks with David Lau, founder and Chief Executive Officer of DPL financial Partners about the...

In this week's episode of CAPitalize, host Christopher A. Panagiotu, CFP®, CRPS®,    continues his interview with Colin Slabach, assistant professor and assistant director of the New York Life Center for Retirement Income at the American College of Financial Services. What does it take to retire early?  Is that even possible?  And what can everyone learn from women when it comes to finance an...

Part 1 of our interview with Colin Slabach, assistant professor of retirement.  Today's topics are many and varied: Bitcoin - what are the red flags when considering an investment in Bitcoin, and in cryptocurrency in general? Bias in investing - Recency Bias and Confirmation Bias are everywhere.  What does this mean in the world of investing? Millennials and money - what the younger set of in...

What's the most important piece of advice for those that want financial success?  As we continue the interview with Craig Israelsen, founder of the “Seven-12 portfolio," our own Christopher Panagiotu, CFP®, CRPS® talks about what Craig would say to those who have a vested interest in achieving their own financial goals.  What is low correlation?  Why is it valuable?   Educating you on th...

What are the best steps for people to take to learn how to invest?  And - do you like salsa?  If so, this episode is for you! In finance, as in many other fields, knowledge is power.  And when you’re speaking with someone in academics, it’s an almost sure bet that you’re going to get answers to questions you have, while at the same time learning some valuable lessons.  In this episode of CAPitaliz...

Is asset allocation as a strategy a good idea, or is it an exercise in futility?  What about annuities? Christopher Panagiotu, CFP®, CRPS®, continues his interview with Michael Edesess, Chief Investment Strategist with Compendium Finance. This section gets even deeper into the topic of diversification, as well as Warren Buffett’s style of investing, and Michael’s opinions on both asset allocation...

Does rebalancing one’s portfolio actually reduce risk?  Is there any value in benchmarking investments? Financial advisor Christopher Panagiotu, CFP®, CRPS®,  speaks with Michael Edesess, Chief Investment Strategist of Compendium Finance about the idea of rebalancing, and why it may not be everything that people in the financial services industry often say it is. They also discuss Michael’s views...

Do you really spend more in retirement as time goes on?  What should your asset allocation look like before and after you retire?  We continue our interview with Dr. Wade Pfau, Ph. D., CFA, RICP®, following up on our previous discussion.  Today, host Chris Panagiotu,  CFP®, CRPS®, will speak with Dr. Pfau about the conventional planning  perspective regarding retirement spending, and whether or no...

Can you increase your retirement income AND your legacy for your heirs?   Is it the right time to look into buying an annuity? On today’s podcast, Chris Panagiotu,  CFP®, CRPS®,  is joined by Dr. Wade Pfau, Ph. D., CFA, RICP®,  host of the Retirement Researcher Blog, monthly columnist for Advisor Perspectives, and all-around smart guy.  Chris will get into the reasons why Dr. Pfau believes that bo...

Are we in a risky time in the market?  What does the CAPE ratio mean and why is it valuable? Part 2 of our discussion with Dr. Michael Finke, Ph. D., CFP®, professor of wealth management and director of the Grantham Center for Financial Security.  Host Chris Panagiotu, CFP®, CRPS®,  speaks with Dr. Finke about risk, and more specifically, why it's important to know what risks you may be willi...

It was commonly thought at one time that you could confidently take 4% of your portfolio each year in retirement and you’d be okay.  Is that still true today?  And what about fixed income? Are you putting yourself at risk with bonds? Chris Panagiotu, CFP®, CRPS®, is joined on today’s podcast by Dr. Michael Finke, Ph. D., CFP®,  professor of wealth management and director of the Grantham Center for...

It was quite a ride in 2020.  But regardless of where the markets are now, or have been, the financial goals for many people likely remain the same: enjoy retirement to the fullest, and don’t run out of money, before they run out of time. Of course, there are no guarantees that every one of your goals will be realized; life just doesn’t work that way.  The key is to set yourself up so that the pot...