Dynamic Growth

1. Annual Themes, Learning, and Risk Each investing year tends to coalesce around distinct themes that are difficult to identify upfront and only become clear through observation and adaptation. Reviewing prior years helps reveal recurring patterns and informs future strategy. "You either make money or you learn something." Even profitable years yield process insights and highlight missed opportun...

Derek Ballinger is Crosby Advisory Group's Chief Portfolio Manager.  Nate interviews Derek on his thoughts about 2025 and what he believe it means for investors heading into 2026. 

What is the S&P 500? Why do advisors often recommend an S&P 500 index as part of your stock portfolio? What types of companies make up the S&P 500?  As part of our observation section we will dig into the false security of keeping cash in a long term retirement account. 

When is the right time to risk manage? What are a few readily available metrics you can gather when looking at a stock for the first time? Nate goes into his steps for the initial analysis of a publically traded company or stock. www.crosbyadvisory.com

A financial lifecycle can be broken into three phases: accumulation, distribution and estate.  We discuss examples of when clients have thought it was in thier best interest to hire a financial advisor. 

What is financial wellness and why has it taken center stage in the financial planning world.  Nate discusses the industry shift from general investment advice to holistic wealth planning. 

Estate planning is the most overlooked segment of the financial planning process.  In this episode we discuss will basics. What happens when you die with a valid will? What happens when you die without a valid will? What can you do to ensure your assets transfer appropriately, and make sure you minor children are assigned the appropriate guardians? 

There are many metrics that can be used to measure the performance of your portfolios.  These benchmarks should be appropriate for your time horizon (how long you have until the money will be needed).  One seldom used benchmark is a multiple of assets compared to income.  This benchmark is often a more direct indication of your retirement savings success.   You can contact us at www.crosbyadvisory...

We delve into the intriguing world of investing heuristics and cognitive biases. This week, we're exploring how psychological factors like overconfidence, the illusion of control, and conservatism bias can shape investment decisions, often in unexpected ways. Join us as we dissect these cognitive errors, discuss real-life examples, and provide insights into how investors can navigate these mental...

We break down the savings timeline, considering various income levels and investment approaches. But it's not just about saving – we also delve into the current financial climate, discussing the worsening liquidity in the treasury market, and what it means for your investment portfolio. Plus, we analyze how to adjust your returns for inflation to ensure your savings maintain their value over time....

In this episode we get inspiration from the Nobel Prize Winner Daniel Kahneman in his work "Thinking Fast and Slow". We discuss how that relates to analyzing the economy and picking investments. We also discuss recent data from the labor market and some wild inconsistencies and innacuracies in the data. We hope you enjoy this week's episode!

In this jam-packed episode, we dive into NVIDIA's blowout quarter and what it means for tech investors. Could life insurance really be the new bond alternative in your diversified portfolio? We unpack this unconventional approach. We also discuss the recent Bud Light controversy that's sparking debates. Plus, don't miss our 'Stock to Watch' segment where we reveal a stock that's looking like a pro...

In this episode we discuss troubling economic data coming out of China and more trouble in the banking sector with credit rating agencies putting warnings on the large banks after downgrading U.S. credit. We then discuss how much money people think they need in retirement vs how much they actually need and if people have realistic expectations about portfolio returns and amount of time it takes to...

While pessimism often wears the mask of sophistication and depth, it's the optimists who frequently come out on top in the long run. Join us as we debunk the myths surrounding investment attitudes and shed light on the overlooked potential of small-cap stocks. With large caps taking the limelight, we'll explore the compelling reasons why small caps might just be the dark horse set to outperform in...

In this episode we discuss the recent discussion around the debt ceiling and why it matters, also why it doesn't matter. We discuss the implications of default and what it means for the long term of the U.S. Sovereign Debt. What would have to happen for the U.S. to get the debt problem under control and will that ever happen... We end the podcast discussing recent earnings from Nvidia, a designer...

Today we discuss recent retail earnings in the U.S. the lower-than-expected guidance from Home Depot and strength from Walmart and Target. We also discuss the Bitcoin 2023 conference and the current state of Bitcoin. We discuss China's retail sales and Industrial Output and how it came in under expectations. Nate talks about the new war on plastic and why consumers are switching back to cash for p...

We start the podcast by discussing Eli Lilly and its strong performance year-to-date as well as two promising drugs that they are releasing. We weigh the pros and cons of buying the stock and then dive into the recent decision by the FED to once again raise interest rates in the face of financial turmoil in the banking sector. We end by discussing the best advice we have ever received and how its...

In this video, we'll be discussing the renowned financial guru Dave Ramsey and his incredible impact on helping millions of people get out of debt. While Dave's advice on eliminating debt has transformed countless lives, we'll delve deeper into his wealth accumulation strategies and explore where they may fall short. Join us as we dissect his investment recommendations and offer alternative perspe...

In this insightful podcast episode, we explore the potential impact of BRICS countries (Brazil, Russia, India, China, and South Africa) developing a new currency that could challenge the dominance of the US dollar in global trade and finance. We delve into the current state of dollar-denominated debt on a global scale, the US dollar's role in international trade, and the economic challenges faced...

In this episode of Dynamic Growth, Derek and Carly Snyder delve deep into the growing skill gap between what employers need and what employees possess. We discuss the impact of trade agreements on the labor market, the role of automation and artificial intelligence in shaping the workforce, and how universities and trade schools are adapting to prepare workers for the evolving job landscape. As gl...

What happened to SVB and Credit Suisse, what it means for other banks, and will there be contagion? Will this cause the FED to pivot or will they remain tight on inflation?

In this episode, we discuss Nate's headaches owning the building and how real estate isnt exactly passive income. Then we discuss a recent exchange between senator Elizabeth Warren and Jerome Powell. We hope you enjoy!

This week we discuss how we changed our minds about the 529 plan and on buying Fixed Income investments. By the end of the year, you can potentially get a positive real return holding short-duration treasuries. This hasn't happened for a long time, we also talk about an interesting strategy with investment-grade corporate bonds as well. We hope you enjoy the podcast!

Carly Snyder joins Derek to discuss the effectiveness of Super Bowl Ads. This year it costs 7 MILLION dollars for a 30-second ad. Why do brands spend so much? Is there a profitable return on that investment? How are brands adapting to new mediums outside of TV advertising?  We hope you enjoy the podcast!