The Investor Coaching Show with Paul Winkler

Today, Paul invites attorney Parker Brown onto the show to talk about wills, trusts, estate plans, and the probate process. Many people don’t realize that if you don’t have a will, your state has an estate plan for you. Unfortunately, it's usually not what you would really like to have happen to you and your loved ones. Listen along as Paul and Parker dispel some information around estate planning...

Paul asks Dan to share some of his experience with clients around annuities to help people see what’s actually going on behind the scenes. Dan shares a story of a client who bought an annuity and was sold an income rider, believing this would help her have a consistent income for years. The payout of this product after the cost of the rider was $90 a month. Listen along as these advisors help you...

Paul, Evan, and Dan talk about investors who are nearing or in retirement and their biggest concerns. Fewer and fewer people are entering retirement with confidence, and the industry is so focused on selling them products or sharing advanced strategies instead of education and planning. Listen along as three experienced advisors explain why no one can help you make the right decision until they ha...

Paul, Evan, and Dan discuss an advertisement that aims to convince investors that “normal” advisors are wrong about bonds and will run your retirement into the ground if you let them. The problem is that the sales pitch sets up a scenario that rarely happens in the industry and fails to mention that all they are doing is selling a product that makes them a large commission. Evan calls the tactic f...

Paul brings in a commercial showing trendy young investors working with their flashy advisor, and the secret sauce that is bringing in all the success is … “institutional grade” bond funds? Listen along as Paul, Evan, and Dan explain what’s wrong with this picture and why the financial industry is more interested in how marketable a product is and not how effective it is. Later in the episode, the...

In this two-part episode, Evan covers the things that worry investors the most about retirement and the top 10 reasons people don’t work with a financial planner. Sixty percent of Americans don’t work with a financial planner at all, whether it’s because they have hang-ups about discussing finances, have been burned by bad planners in the past, or they don’t believe they have enough money to start...

In this two-part episode, Evan covers the things that worry investors the most about retirement and the top 10 reasons people don’t work with a financial planner. Sixty percent of Americans don’t work with a financial planner at all, whether it’s because they have hang-ups about discussing finances, have been burned by bad planners in the past, or they don’t believe they have enough money to start...

Today, Evan shares an article by Jason Zwieg, titled “Wall Street's Big, Bad Idea for Your 401(k),” which highlights how Wall Street is excited to start selling alternative investments to average investors. Listen along as Evan explains why you should always be cautious when a company that sells you something is excited that the rules have relaxed, and why you should just say “no” to alternative i...

Today, Paul jumps onto Chris Hand’s show on WTN to talk about an executive order signed by President Trump that allows crypto, private equities, and other alternative assets to be added to your 401(k) plan by your employer. Historically, 401(k) plans have often offered funds that lack diversification and employ market timing, which adds a whole new level of risk. Listen along as Paul and Chris tal...

Most investor misinformation and confusion surround some of the most fundamental concepts about the stock market. What is the stock market? Who sets the prices? Why has it been seen as the greatest wealth-building tool in the history of the world? Today, Evan addresses these topics by explaining how the stock market is a network of markets that are all driven by individual companies trying to make...

Today, Paul talks about two common situations where professionals in the industry call themselves “financial planners” offering “safe and conscientious options” for people trying to save, but it turns out that they don’t have any official education and are selling high-commission products. Listen along as Paul explains what is wrong with the training and education in the industry and how the produ...

Paul starts off the show sharing that firms and planners can claim to be a fiduciary and then immediately sell you something that states in the fine print, “We are not acting as a fiduciary during this sale.” Paul then segues to a topic that sucks many investors into gambling and speculation: meme stocks and penny stocks. Listen along to hear what meme stocks are, why the financial media loves to...

At the beginning of the year, countless money managers and pundits reacted to tariffs, advising investors to shift funds from large U.S. companies into cash and other “safer” investments. This is just market timing, and most investors don’t realize that the firm they are investing in is doing this without their permission. Paul covers why you need to read the disclosures of your managers, because...

Today, Paul talks about some of the most common advertising techniques people use to sell you their high-commission insurance products. All of these sales pitches are deceptive and can be easily debunked with basic knowledge about how stocks generate earnings and what happens to stocks during periods of uncertainty and inflation. Listen along as Paul breaks down why it’s important to slow down and...

Paul warns all investors of something new coming to pensions and 401(k)s that is not worth the risk. Today, Paul covers a new law allowing private equities to be put into funds in your retirement accounts. These investments raise the risk level of your retirement without any requirements for the companies to report earnings. Paul wants investors to double-check that they are avoiding products with...

Today, Paul gives an update on inflation, the new trade deal with Japan, and how inflation pushes politicians to try and interfere with the economy through the FED. Listen along to hear what is going on in the economy this month and gain some insight into the difference between what’s news and what’s sensationalism in the U.S. economy.    Want to cut through the myths about retirement income and l...

If it sounds too good to be true … it’s probably because it’s too good to be true. Today, Paul shares the tactics that advisors and salespeople use to lure people into obviously bad products. Listen along to hear Paul out some of these advertisements and the one-star reviews that come from the people who were tricked by these kinds of traps.    For more information about what we do or how we can h...

Today, Paul covers a topic that he’s covered many times on the show, but bears repeating because it is so counterintuitive to most. As the politics in the U.S. heat up and each side becomes more entrenched, it's easier to believe that the person in the White House or the party in charge in Congress dictates how the market is doing. Listen along as Paul dispels some of this, shares why the thousand...

Today, Paul talks about how the new Big Beautiful Bill Act is causing a lot of people to reevaluate what their retirement will look like, but it hasn’t done much to clear up the most common misconception about retirement: Social Security and how it gets funded. Listen along as Paul discusses planning for retirement, how social security gets funded, and why he believes politicians would never allow...

Today, Paul talks about fiat currencies, crypto assets, and how a new law has created a crypto asset that looks more like fiat currency. Listen along as Paul explains why crypto assets like Bitcoin have not been considered legitimate currencies and why stablecoins could create some benefits for the economy. Should stablecoins be seen as an investment? No. However, this may become a legitimate part...

Today, Paul discusses a question he received from a concerned investor on OpenLine about the influx of cash into markets creating a stock market bubble. The investor wanted to know: Do you think there is a bubble, and when will it pop? Listen along as Paul addresses this increase in available cash and explains a few nuances that may not be obvious to investors who don’t have advanced education in...

The industry is clamoring around a rule change that will allow you to invest in private equity companies all from the comfort of your 401(k). Pundits are calling this an exciting new opportunity for investors to gain access to investments that outperform the market while offering all the tax benefits. Is any of this true? Today, Paul discusses how easy it is for media outlets to focus on what is n...

Today, Paul continues a conversation from earlier in the week, where members of both sides of Congress came together to propose a new approach to securing Social Security for years to come. Listen along as Paul explains why this solution isn’t really what it seems and perpetuates the idea that Social Security is in dire need of saving.   For more information about what we do or how we can help you...

Today, Paul dives into one of the most misunderstood aspects of financial planning: Social Security. Almost no one Paul talks to fully understands how it was formed, what the problems are, and how to make the most of yours when you retire. Listen along to hear a seasoned advisor break down the most common misconceptions and give you a crash course on the most important components of this governmen...

Paul just happened to take the week off at the same time Congress decided to pass one of the largest pieces of tax legislation in recent history. Listen along as Paul jumps straight into this new law and why it will change the future of tax preparation and retirement planning for Americans. Paul covers topics like the standard deduction, child tax credit, bonus deductions for people over 65, new w...