Dolphin Financial Radio

We finish off 2020 with a fun episode about money trivia. Join us as we discuss interesting facts about paper money, coins, lotto, net worth, and other financial topics.

How will the U.S. Senate runoff in Georgia impact the stock market? Will it matter if Democrats take control of the Senate? Has the outcome already been baked into the stock market? Listen in as we discuss the potential market reaction to this important election in early 2021.

An Initial Public Offering (IPO) can be an exciting investment. Whenever a popular company offers an IPO, the hype can get overwhelming. But does this make for a good investment? In this show we talk about investing in IPOs, how they work, and whether or not they are worth investing in.

What are the top trends in finance we will see in 2021 and how will they impact retirement? In this show we discuss trends from working at home to cryptocurrency.

For those close to retirement, one of the biggest unknowns is how much money they need to live. To help answer this question, a spending freeze might help. In this show we explain what a spending freeze is and how it helps those approaching retirement.

This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.

Is there a way to improve your spending habits without creating a budget? In this show we explore the concept of Intermittent Spending. It's a brand new strategy designed to get people more mindful of their spending and ultimately improve their financial situation.

Everybody wants to earn more on their money. Whether getting a higher interest rate than the current bank rate, or hitting a home run on an investment, the higher the return, the more appealing. However, at some point the risk becomes too much. In this show we will discuss some cases where people chased the higher return and wound up getting hurt in the end.

What happens to the stock market now that the election is over? Will the market go up or down? What does history tell us and does history matter? In today’s show we will discuss the stock market and the effect of elections.

Retirement isn't supposed to be scary, but sometimes it can be. In this show we share five different retirement stories that will make you shiver. If you are up for some frightening tales, listen in. You might even learn through the pain others face in retirement!

According to research, people who aren’t comfortable with their financial situation experience more physical pain than those who feel financially secure. It sounds weird, doesn’t it - people experience physical pain due to a non-physical variable. In today’s show, we will discuss the research findings about this also talk about how you can avoid or reduce this type of physical pain.

In this show we answer these questions: Will Medicare cover the costs of a Covid 19 test? What about if you have to go to the hospital for treatment? Are there any special considerations for those on Medicare Advantage plans?

Today we are going to review the old story known as The Miser And His Gold. This is one of Aesop’s fables and, although it was first told long ago, it still applies today. It’s about a man who buries his gold in a hole in the ground. What could possibly go wrong...?

Losing a spouse can be an extremely difficult experience. The financial issues that arise can make things even worse. In this show, we discuss a subset of these financial issues - taxes. We tackle the tax implications that arise when you lose a spouse.

We all know it's a good idea to put aside money for the future. However, not everyone has the money available right now to save. Additionally, it can be discouraging when the calculations show you how far off your savings rate is compared to where it "needs" to be. In this show we will discuss a strategy that may help those who are feeling hopeless about saving for the future.

What happened to the first round of 2020 stimulus money? Did people spend those $1,200 checks? In this show we discuss what people did with their stimulus money and how it impacts their retirement situation.

Emotions are running high across the country during this global pandemic. You add in a very polarizing presidential election, and now emotions really flare up. The problem is that making decisions while highly emotional may not be a good thing. Emotional decision making often leads to poor decision making. But, that might not always be the case. In today’s show we are going explore how anger, in p...

With so many people changing jobs or losing employment, the question of what to do with the old 401k arises. Should I roll it into an IRA? While rolling an old 401k into an IRA has some benefits, sometimes the better choice is to roll it into a new 401k or simply leave it where it is. In this show we discuss the pros and cons of moving an old 401k.

One of the major problems of the global pandemic is unemployment. To make matters worse, losing your job also usually results in losing benefits like health insurance. In this show we discuss what your options are if you lose employer sponsored health insurance. We talk about the changes to the laws surrounding COBRA and other considerations.

When people approach retirement, one of their largest assets is usually their primary residence. In fact, there is often a large capital gain realized when they finally sell that home and move away. In this show we discuss how that gain is created and how it is taxed. Dan also shares details on the surprise tax bill that was heading toward his father when he sold the childhood house after over 50...

Indexed Universal Life insurance (IUL) has been gaining popularity over the past decade. It's a type of life insurance that is flexible and often touted as a means to generate wealth and retirement income. In this show Tony oversees a casual debate between two Dolphin Financial Group representatives (Dan and Jonah) as they review the pros and cons of this type of insurance. If you own an IUL...

if you bought a term life insurance policy that is about to expire, what are your options? What if you have group life insurance through your employer and are about to leave the company? In this show we discuss the options for those that want to keep some level of life insurance coverage. We cover the process of buying something new and also converting your existing policy into something that will...

What are dividend paying stocks and can you live off the income they produce? In this show we discuss the concept of dividends from stocks and how they generate income for retirees. We will discuss the pros and cons and explore whether or not this is a realistic retirement income strategy in today's market environment.

What happens if you claim Social Security yet continue to work? What are the rules and penalties associated with simultaneously claiming and working? In this show we discuss the details of what happens to your Social Security benefits if you choose to work. We touch on the earnings limits, age restrictions, payments withheld, and where the money that isn’t given to you actually goes in the end. If...

The global pandemic is changing the way Americans behave. It is also impacting many financially. In this show Dan and Tony reflect on current changes in business and personal behaviors and the subsequent financial effects. Tony even gets into the detail of how is favorite industry (vinyl records) is changing rapidly once again.