Something More with Chris Boyd

Brian Regan and Jeff Perry join Chris. They discuss the strong corporate earnings and business shifts as a result of Covid. A client asks for advice on where to place funds from the sale of a secondary inherited home since markets are at all-time highs.

Chris talks with Dorian Mintzer, M.S.W., Ph. D., a well-known authority on retirement speaking and coaching. They discuss the importance of retiring from something and to something. Longer lifespans can be an opportunity to use skills in a new way. Don't internalize all of the myths about aging, keeping active and engaged can help towards living a healthy and fulfilling life at any age.  

Jeff Perry hosts for Chris this week. With students getting ready to go back to school, Jeff Tomaneng talks about ways that people save for college and how a 529 plan works. Brian explains Fed tapering, which has been in the news recently. Tapering is the slowing down of quantitative easing that the Federal Reserve has been doing to keep interest rates low since the beginning of the Covid crisis....

Jeff Perry hosts for Chris this week. He and Scott talk about getting ready for retirement. They discuss including shifting from a savings to creating a paycheck mentality and other factors to consider. They also discuss RMDs and the benefits/considerations for a ROTH conversion. If considering a Roth conversion, determine it is more beneficial to pay taxes now or later. 

Chris, Jeff, and Cathi talk about the book "The Millionaire Next Door" and the difference between Wealth and Affluence. Wealth represents accumulated assets, whereas affluence is a lifestyle based on a high income. Wealth can be inherited or earned through a disciplined savings plan for people of any financial means. Affluence can be lost due to overspending, or loss of employment and/or other inc...

Chris and Cathi talk about National Financial Awareness Day on Saturday, August 14th. Jeff Perry discusses the $1.2T Infrastructure bill and what's included. He also talks about the $3.5T budget plan and what has to happen for it to be approved. Chris answers a question from the client mailbag: "As a retiree, where should I take money from for a $100,000 roof replacement?"

Chris and Brian discuss the increased cost in housing, cars, and other goods. Does this mean inflation? Brian answers clients' questions:  "How high can the market go?" "Why are airline and cruise line stocks not going up?" Our interns Ryan Boyd and Ilya Boyd share their experience while working at AMR this summer.

Chris' guest is Michael Townsend, Managing Director of Legislative and Regulatory Affairs at Charles Schwab. They discuss what's happening in Washington and how it affects investors. Things to look out for are: The Debt Ceiling – The US is currently at the debt ceiling so Congress will either need to raise it or suspend it for a given period of time. Taxes – The increase in corporate taxes and ind...

Chris talks with Kathy McNamara, CEO at Cape Cod Community College Education Foundation about the new state-of-the-art STEM (Science, Technology, Engineering, Mathematics) building being built on campus. The building broke ground a year ago and is scheduled to be completed in the fall of 2022. It is being funded by the Commonwealth of MA, Cape Cod Community College, and donations through the Cape...

Nicholas Membrillo, Senior Mortgage Lender at Peoples Home Equity (aka Cardinal Financial), talks with Chris and Scott about real estate and mortgage financing in the greater Nashville market. He touches on historic low interest rates and whether it's more advantageous to finance for 30 years or a shorter term. Due to tightened financial practices, Nicholas doesn't foresee a housing crisis as in 2...

Chris and Cathi talk about the Covid-19 Delta variant trends. Gretchen Arvanitopoulos, VP at CORD (Cape Organization for rights of the Disabled), Mike Perna and Jeff Tomaneng of AMR join Chris to talk about financial planning for people with disabilities. CORD helps connect people with disabilities to available resources. They discuss the following and more: It is important to utilize a financial...

Chris and Jeff Perry discuss the July 31st Debt Ceiling deadline. Once the Congress borrowing limit is reached, lawmakers must raise the ceiling before Treasury can issue more debt (e.g., bonds) to pay US obligations. The national debt is currently $28 trillion, not counting entitlements ( https://www.usdebtclock.org provides more data on US debt information). They also discuss the Infrastructure...

The AMR team talks about the recent Wall Street Journal article on life expectancy dropping by 1-5 years in 2020 - the largest decline since at least World War II. Scott shares financial planning tips for widowhood. One of the most important is ensuring that cashflow needs are being met to cover expenses. Chris answers a mailbag question from a client on the cost of annuities. With Jeff Bezos, Elo...

Chris and Brian discuss performance for the first half of 2021 and the factors driving the market. The S&P average annual returns have been at 14% for the prior decade and the all-stock index has surpassed 14% over the last six months. Covid continues to be a concern, with the Delta variant 3x more contagious. However, we are getting near herd immunity with fewer hospitalizations and death. The Fe...

Do you have financial and personal goals? Jeff Perry and Jeff Tomaneng discuss SMART (Specific, Measurable, Attainable, Relevant, Time-bound) goals and why they are important. Brian discusses how energy prices affect inflation and the markets. The oil sweet spot price is where marginal cost meets marginal demand; however, this can not be controlled in a free-market economy.   AMR team member share...

Scott reviews AMR's 360 financial planning process. This process intends to understand one's comprehensive picture in order to provide the best financial guidance in consideration of a clients financial and life goals.  Jeff and Cathi discuss National Give Something Away Day. Don't forget to tell us about your favorite financial book by commenting to our July 15th Facebook post. You could win a co...

Divorce is the 2nd most stressful thing that one can face in life. Scott talks about how to prepare financially before, during, and after. Get organized by pulling tax returns, bank statements, credit card statements, etc. It's important to discuss Social Security, work pensions, homes, and other individual and shared assets. Keep your beneficiary and estate plan up to date. Questions are answered...

Jeff Perry hosts for Chris this week. Sunday was World Population Day. Did you know there are 7.8BN people on Earth and 332M in the US? Brian and Scott review highlights from AMR's recent tax webinar. They discuss: the proposed tax reform provisions under the Biden administration, how they may impact portfolios, and potential strategies to implement. AMR's next "Quarterly Economic & Market Update"...

Bill Zammer, owner of the Flying Bridge and other local restaurants made a significant contribution to the Cape Cod community. In tribute to him, Chris plays a "Something More With Chris Boyd" radio segment from September 2008, in which he interviewed Bill regarding his success.

Chris introduces AMR's Margaritas & Money program.  Scott Birmingham, CFP®, ChFC, CDFA®, CAP, CLU, Investment Advisor Representative and Chief Compliance Officer at Asset Management Resources, and his fiancée Kristi Curling critique margaritas at Nashville area restaurants and include 30 seconds of financial information in the process. It's lots of fun and informative at the same time. Chris, Scot...

Brian talks about stock valuations and what drives P/E (price-to-earnings ratios). He also discusses how real estate investments fit into a portfolio during today's real estate boom.  

The S&P average annual return is 14.82%. Brian, Chris, and Jeff Perry discuss if it is better to stay invested or if now is the right time to get out of the market. Brian discusses the likelihood of inflation and the benefits/disadvantages of an inflationary economy. He also discusses the Covid Delta Variance and if now is a good time to be increasing foreign investment exposure.

Jeff Perry shares lessons from his personal financial journey. He suggests: Writing down goals, amending them annually, and reviewing them quarterly to stay accountable. Do not get emotionally involved in an investment and know what you are investing in. Get professional help to review various scenarios and make sure you are on track.

The AMR team discusses saving for college. Their key advice is something is better than nothing and it's better to start sooner than later (use the power of compounding to your advantage). 529 plans are target-date college investment plans that grow tax-free. Withdrawals are also tax-free if payments are made directly to the college. Payments can be used towards tuition, room and board, books, sch...

Free Application for Federal Student Ai d  ( FAFSA®) forms are due soon. Jayson Tinsley, Assistant Vice President, Financial Aid (Counseling) at University of Maryland Global Campus, joins Chris and Brian to discuss what the FAFSA is and best tips for obtaining college financial aid. AMR reviews the cost of raising a family.