Retirement Lifestyle Show with Roshan Loungani and Adrian Nicholson

It’s “Bring Your Own Topic Day” on the Retirement Lifestyle Show. In this episode, Roshan Loungani, Eric Olson, and Adrian Nicholson discuss topics they feel would benefit the audience’s investment decisions. They talk about Fundamental vs Technical analysis of stocks, the high-yield spread, and what to consider when buying US Treasury Bonds. [00:00] Introduction [01:53] How to Find What Stocks to...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson perform an honest on-air critique of one of the listener's portfolio. They break down what the client did right, the changes he should make, and the major transitions he should consider to safeguard his retirement. [00:00] Introduction [01:16] Introducing Today's Client Portfolio [04:26] What's in This Client...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down the differences between active and passive investing. They discuss how investors can choose the right strategy for their portfolio, the impact of the Fed's zero interest rate policies, and performance differences between active and passive investing. [00:00] Introduction [03:47] Active Versus Passi...

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson break down the dos and don'ts of tax loss harvesting. They discuss the benefits of tax loss harvesting, times when tax loss harvesting makes sense, and the mechanics of the wash sale rule. [00:00] Introduction [02:25] What is Tax Loss Harvesting [04:08 Benefits of Tax Loss Harvesting [07:40] The two types of...

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson go through how, why, and when mutual funds are taxed. They discuss how mutual fund gains are taxed and how you can improve your total portfolio returns by reducing and even eliminating taxes on your funds. [01:31] Basics of How Mutual Funds are Taxed [04:00] How to Ensure Your Holdings are Tax Efficient [06:5...

Today on the Retirement Lifestyle Show, Eric Olson and Adrian Nicholson discuss Medicare's open enrollment. They go through the seven commonly asked questions about Medicare enrollment, how to get ready, and ways to avoid the lifetime penalties of late enrollment. [01:20] Introduction [02:39] Medicare Open Enrollment and Why It's Important [04:10] What is Open Enrollment? [07:00] Understanding Med...

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson break down the latest edition of JP Morgan's Economic and Market Outlook. They discuss the current economic and investment landscape and how investors can use this information to make concrete investment decisions. [02:32] JP Morgan's Guide to market [03:55] Returns and Valuations by Style [06:55] Using Data...

Today on the Retirement Lifestyle Show, Roshan Loungani, Eric Olson, and Adrian Nicholson discuss whether the 60/40 portfolio is dead. They analyze how the traditional framework is catching heat with both equities and bonds down this year and some alternative investment options you can take advantage of. [00:59] Introduction [04:36] Is the 60/40 Portfolio Dead? [07:07] Understanding the Client-Adv...

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson go through strategies you can implement to refine your year-end financial plan, set goals for next year, and minimize taxes for this year. They discuss the benefits of planning for major life changes, tax loss harvesting, and the new kid in the block Qualified Charitable Distribution. [01:45] Year-end Planning [02:01] Tim...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson assess the current economic and market landscape and how your investment expectations should evolve. They discuss what a strong dollar means for the economy, Bond interest rate risks, and how the Ukraine conflict is affecting the U.S economy. [02:30] Overall Macroeconomic Outlook of the Markets [05:45] The Fe...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson assess whether it makes sense to invest in Alternative investments in the current economic environment. They also share some key takeaways from the 15th Arete Wealth Management Conference. [02:05] Introduction [05:00] What are Alternative Investments? [07:07] Are There Opportunities in the Alternative Investm...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson answer the seven most frequently asked client questions. They break down topics such as Structured notes in 2022, the best times to do a Roth conversion, and long-term care insurance planning. [01:40] Understanding I Bonds and How They Work [04:19] The Dos and Don'ts of Investing in I Bonds [06:30] Tax Bracke...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson are back with the fifth installation of Battle of the Plans. They use their complex financial planning software packages to analyze a hypothetical client situation and formulate a practical retirement plan. [01:49] Client Profile for Our Hypothetical Financial Plan [04:57] Does Our Hypothetical Client Have En...

On Tuesday, September 13, the Bureau of Labor Statistics released the August 2022 inflation numbers, compared to both July and the year before those numbers were again up, not down. Investors saw the single largest drop in the markets since June 2020. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@aretewealth.com or 815-940-4652...

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down the six major life events that could impact your financial plan. They talk about the pros and cons of inheriting assets, planning for an expected medical catastrophe, and things you should consider before buying a house. [03:07] Moving: Buying Versus Renting [06:46] Sometimes Renting Makes Sense [10:28] Leaving...

Today on the Retirement Lifestyle Show, Roshan Loungani and Erik Olson break down Adam Seessel's book Where the Money Is: Value Investing in the Digital Age. They discuss the book's value investing framework, how it can be implemented by the average investor, and why investing in Tech might be the way to go for value investors. [01:46] Introduction [04:20] Value Investing in the Digital Age [07:20...

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the benefits of being a disciplined investor. They break down the consequences of lacking investment discipline, the value of staying invested, and why you need to remove emotions from all your investment decisions. [01:30] A Disciplined Approach to Investing [04:26] Why You Must Avoid Emotional Investing [07:45]...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about Aging in Place and its place in retirement. They go through the pros and cons of aging in place, technological advances in the space, and how to plan for your later years well in advance. [01:20] Aging in Place and What it Really Means [05:08] Costs and When to Start Planning [09:08] Aging in Place...

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk to Jeremy Epstein, President of the Crypto Explorers Association and co-founder of the Crypto Explorers. Jeremy shares his take on the current crypto environment, why crypto investing is not for everyone, and the risk versus potential opportunities in cryptocurrencies right now. [02:13] A Look Back at the Crazy Year...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through easy-to-implement strategies to lower the cost of college. They talk about the current cost of attending college, how to pay for college without breaking the bank, and whether the price of attending an elite school is really worth it. [01:02] A Strategic Look at Paying For Your Kid's College Educat...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through the three major mistakes you should avoid when planning for retirement. They talk about risk versus reward during retirement, why so many retirees are returning to work, and the benefits of proper retirement planning. [02:40] Introduction [03:33] Risk Versus Reward During Retirement [06:49] Underst...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down the anatomy of a covered call. They talk about the basics of an options strategy, how to own a covered call, and the right market conditions for investing in covered calls. [02:52] The Basics of an Options Strategy [04:39] What is an Option? [08:55] Put and Call: The Two Main Types of Options [12:4...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Reginald Smith, a Research Analyst for Eventide. He is primarily responsible for evaluating and monitoring new and existing investment opportunities, focusing on clean energy. They discuss supply chain diversification, how China uses forced labor to make solar panels, and how conscientious investing c...

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson discuss how the markets have been performing so far in 2022 and why you should bother conducting a mid-year review of your portfolio. They also analyze the short-and long-term factors that could affect the position of an investor's portfolio and what to expect from the economy, the bond market, and global equ...

Today the Retirement Lifestyle Show focuses on financial abuse of older people , including scams by con artists representing themselves as everything from government representatives to tech support, home energy auditors, distressed grandchildren, and even new romantic interests. Roshan can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.  Erik can be reached at erik.olson@are...