Joe DeLisi Financial

The emails and phone calls started with the same question: "Joe, is this time different?"Joe recorded this one on Thursday 24 September, with the screen red across the board. Treasury yields are high compared with the last decade, it's a midterm election year, and the headlines are doing what headlines do. Joe doesn't wave any of it away, including the national debt. He says pl...

What if one of the biggest mistakes high-income people are making with their money isn’t about investing at all, but taxes? Joe DeLisi explains why there’s a big difference between avoiding taxes and simply deferring them . While tax deferral can have real benefits, continually pushing taxes into the future can create a significant tax burden later, especially for high-income executives, business...

There are two questions buried inside this one, and they have opposite answers. Can AI invest better than a human? Yes. Easily. It has no emotion, and emotion is where most of the damage gets done. But there's a catch, and it's bigger than people realize. Can AI beat the market? No. And that has nothing to do with how good the technology gets. In this episode I walk through both answers....

Almost nobody lies awake at night thinking about their rate of return. They lie awake asking one question: am I going to be okay? I've heard that question from clients for almost thirty years. Neal Brincefield RICP®, CLU®, ChFC®, CExP™ has spent his career building the answer to it. Neal is one of the people behind The Living Balance Sheet, the planning system my clients know well. He helped...

Your financial advisor should welcome tough questions. In this episode, Joe DeLisi shares the conversations every investor should have with their advisor—and explains why the answers matter more than many people realize. Beyond investment returns, a strong financial relationship should include thoughtful guidance on taxes, cash flow, insurance, estate planning, retirement income, and the many deci...

In a world where financial headlines change by the hour, it's easy to believe someone knows what's coming next. But what if they don't? In this episode, Joe DeLisi looks back at some of the biggest market predictions from the past year, including reactions to tariffs, market volatility, and major investment themes, to see what actually happened. Rather than focusing on who's ri...

The biggest names in tech have fueled the market for years, but what happens when those stocks start falling? In this episode, Joe DeLisi examines whether recent declines in major technology companies are a warning sign or simply another reminder of why diversification matters. Joe walks through current market performance, compares large-cap tech with small-cap and value investments, and explains...

Did you miss the boat on SpaceX? After one of the most talked-about IPOs in recent memory, many investors are wondering whether they missed out on the next great opportunity. In this episode, Joe DeLisi explains why fear of missing out can be one of the biggest threats to long-term wealth. Rather than chasing headlines, Joe discusses what actually builds wealth over decades, why most investors don...

Many investors spend their time worrying about the next market move. The more important question is whether they have a sound investment strategy in place. In this episode, Joe DeLisi shares the foundational principles that have guided his approach to wealth management for nearly three decades. Drawing from years of experience helping business owners, executives, physicians, and high-net-worth fam...

After nearly 30 years in the financial industry, Joe DeLisi reflects on the long path that shaped the way he invests client money today. In this episode, Joe shares how he entered the business with no finance background, the lessons he learned early in his career, and why his philosophy eventually shifted toward evidence-based investing. This is a look at experience, mistakes, mentorship, and the...

In this special episode of the Westpac Wealth Investment Podcast, host Joe Dalisi sits down with Nash Subotic, founder and CEO of Westpac Wealth. From humble beginnings in a small Hawaii office in 2008 to a national firm with 220 advisors, nearly 400 team members, 30+ offices across 11 states, and over $5 billion in assets under management, Nash shares the remarkable growth story and unwavering in...

War in Iran, Strait of Hormuz Disruptions, and What It Means for Your Portfolio In this episode, Joe DeLisi discusses recent geopolitical events involving Iran and the Strait of Hormuz and how markets have reacted so far. He shares year-to-date performance data (as of early April) showing the S&P 500 down approximately 1%, while certain small cap value strategies have performed stronger. Joe r...

Part 2 of the Next Generation series focuses on the financial decisions young adults are making right now, and the ones that matter most long term. Joe breaks down the habits, mindset, and common mistakes that can either set you up early… or quietly hold you back for years. If you're in your 20s or 30s (or a parent trying to guide your kids well), this episode brings clarity to what actually...

In this episode, Joe DeLisi revisits one of his most talked-about conversations,  “The Worst Decision a Client Has Ever Made” —and addresses the surprising takeaway many listeners walked away with. If you’ve ever thought holding a few individual stocks is the same as “owning a business,” this episode is for you. Joe breaks down the dangerous misunderstanding behind that belief and explains why tre...

Over the past several years, I’ve noticed something happening with many of my long-time clients. Their kids are growing up. The same families I’ve worked with for 20+ years now have sons and daughters in their early 20s—thinking about college, careers, and starting their financial lives. And more and more, parents ask me the same question: “Would you talk to my son or daughter about money?” That’s...

Tensions between the United States and Iran have resurfaced, and headlines are once again stirring uncertainty in global markets. In this episode, Joe breaks down what’s actually happening, what history tells us about geopolitical conflicts and market reactions, and—most importantly—how long-term investors should think during moments like this. You’ll hear: A clear overview of the current U.S.–Ira...

Is buying the cheapest index fund really the smartest move? It sounds logical. Low cost. Broad diversification. Simple. But investing isn’t just about cost, it’s about understanding where returns actually come from. In this episode, Joe breaks down why “cheap indexing” alone may not be a complete strategy. He walks through expected returns, risk premiums, and how academic theory gets misapplied in...

Business owners don’t need the same financial plan as employees, and pretending they do can cost you flexibility, taxes, and options down the road. In this episode, Joe DeLisi explains why traditional financial planning often fails entrepreneurs, even when it looks “smart” on paper. Drawing from real-world experience as a business owner, Joe breaks down how taxes, exit planning, and long-term stra...

Every election cycle, I hear the same question: “Should I be worried about my investments because of what’s happening in politics?” In this episode, I walk through what actually matters, and what doesn’t, when it comes to politics and the stock market. We look at real historical data across different administrations and election cycles and talk honestly about how markets have behaved over time. If...

What do billionaires actually worry about? It’s not what most people think. In this episode of the Joe DeLisi Financial Podcast, Joe breaks down the real concerns he sees among ultra-high-net-worth individuals—the issues that keep wealthy families up at night long after money is no longer the problem. From protecting wealth across generations to avoiding catastrophic mistakes, losing control, or b...

In this episode, Joe walks through one of the biggest financial mistakes he’s ever seen a client make, a decision that looked harmless in the moment but carried massive long-term consequences. He breaks down what went wrong, why smart people make avoidable money mistakes, and how you can sidestep the same trap in your own planning. It’s a direct, practical conversation about risk, human behavior,...

Every year the “experts” scream crash, recession, empty shelves, and market meltdown, and every year they eat their words. What actually happened in 2025 after all the 50% plunge calls and tariff-doomsday headlines? Spoiler: the exact opposite. Now the same voices are back with brand-new 2026 horror stories. In this episode we pull the receipts on the biggest missed calls of the past 12 months, ex...

In this episode, Joe breaks down why U.S. banks are holding hundreds of billions in unrealized losses  and why almost no one is talking about it. We cover what “unrealized losses” actually mean, how they happen, why interest rate moves matter, and what this could signal for investors going into 2025. This isn’t fear-mongering. It’s a look under the hood so you understand the real risks, the potent...

Everyone thinks the “super smart” people win in the market, until history shows they don’t. In this episode, Joe DeLisi reveals how Isaac Newton and Nobel Prize–winning economists fell for the same traps everyday investors face. If some of the brightest minds in history couldn’t outsmart a bubble, what makes this moment any different? This episode might change the way you think about your next fin...

Joe DeLisi reflects on 30 years in the investment world and the patterns that keep resurfacing — from the dot-com bubble to crypto and today’s AI hype. After attending a recent conference where “new” products sounded all too familiar, Joe breaks down Wall Street’s habit of repackaging old ideas with shiny new labels. He walks through past market manias, what they taught us, and how to recognize th...