The Real Investment Show Podcast
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It's a show about life, markets, sweat-equity, and the pursuit of wealth in a capitalist market.
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Gray divorce is on the rise, and many investors are missing a key opportunity: Social Security benefits tied to an ex-spouse. Richard rosso & Jonathan McCarty explain how divorced spousal benefits work, including eligibility rules, timing decisions, and how much you may be able to claim. If you were married at least 10 years, you could receive up to 50 percent of your ex-spouse's benefit, or even more through survivor benefits, without impacting their payout. Key topics include: 0:00 - INTRO 0:19 - Financial Repercussions of Gray Divorce 1:47 - Economic Numbers Review 2:16 - Data Center & Power Station Build Outs 4:40 - Interest Rates & Kevin Warsh 6:22 - Apartment Build Outs - Function Over Form 9:39 - Gray Divorce Rates - One in Three: Financial Vulnerabilities 12:58 - Going Back to Work After Divorce 14:23 - Demographics, Ageism, & Merit-based Immigration 18:24 - AI & Content Creation : Lessons About Business 20:15 - Taxation Following Divorce 21:37 - Mishaps with Social Security After Divorce 23:02 - Longevity & Empty-nester's 25:29 - Timing Matters - All in the Family 29:39 - Financial Advisor as Referee 35:15 - Social Security: Spousal Benefits, Survivors Benefits Qualifications 38:32 - Don't Make These Divorce Mistakes 41:53 - First Rule When You Know You're Divorcing 45:22 - The Middle Class is Being Bolstered by Growth in Assets 46:14 - Will AI replace FA's? 50:56 - Candid Coffee Event 5/16 Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rXi5IdkLNRM ------- Watch today's "Before the Bell" feature, "Market Stalls as Risks Build," here: https://youtu.be/SSzwq4AG2-0 ------- Watch our previous show, "Fed Holds Rates as Powell Stays On," https://youtube.com/live/oYQSPI-_BqE?feature=share ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #GrayDivorce #SocialSecurity #RetirementPlanning #DivorceFinance #WealthManagement
The Federal Reserve held interest rates steady at 3.5%–3.75%, but the bigger story may be what comes next. Powell announced he plans to remain on the Federal Reserve Board as a governor after his term ends—an unusual move that limits a potential board vacancy and keeps his influence in play. Lance Roberts & Michael Lebowitz examine what this means for monetary policy, market expectations, and the timing of future rate cuts. Key topics include: 0:00 - INTRO 1:02 - Closing Out April, Moving Into May: earnings season winding down 3:52 - Eli Lilly & GLP-1 4:21 - No Change in Fed Stance & Oil Prices 6:04 - Market Consolidation Continues 9:56 - Mrs. Roberts Moderates & Likes for Lebo 11:47 - Mag-4 Earnings Review 16:16 - Eli Lilly & Myriad Applications for GLP-1 19:13 - Most Uneventful Eventful Fed Meeting 23:22 - Office Politics at The Fed 26:01 - The Hawkish Take is the Correct One 27:41 - What Really Drives Inflation (not car insurance) 31:47 - Inflation Varies by Location 33:15 - The Fed is Stuck 34:59 - Oil Futures Pricing & the "Sweet Spot" 36:47 - Earnings & Profit Margins - Where's the Risk? 39:08 - Caterpillar Earnings & Data Center Construction Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oYQSPI-_BqE?feature=share ------- Watch today's "Before the Bell" feature, "Market Stalls as Risks Build," here: https://youtu.be/SSzwq4AG2-0 ------- Watch our previous show, "Q&A Wednesday: Markets & Your Money ," https://youtube.com/live/xzazFr20EOE ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #EarningsSeason #RiskManagement #FederalReserve #InterestRates #JeromePowell #MonetaryPolicy
Markets continue to consolidate, working off overbought conditions by moving sideways rather than correcting sharply. With momentum beginning to fade and a potential sell signal approaching, the near-term outlook suggests limited upside as equities search for direction. Earnings season is nearing its conclusion, which could temporarily shift focus away from corporate results and back toward economic data and broader macro trends. While record stock buybacks are expected to provide some support in the short term, seasonal weakness into May and June would not be unusual as the quarter progresses. This environment calls for discipline rather than aggression. Investors may want to focus on risk management, portfolio rebalancing, and selectively raising cash to prepare for the next opportunity when markets reset for a more durable advance. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/SSzwq4AG2-0 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #EarningsSeason #RiskManagement
Markets continue to push higher, but the underlying story is getting more nuanced. Leadership is narrowing, valuations are stretched, and investors are weighing strong momentum against rising risks—from interest rate uncertainty to geopolitical developments and shifting economic data. Lance Roberts and Danny Ratliff open the chatroom to tackle your most pressing financial questions in real time. From portfolio strategy and market outlook to retirement planning, taxes, and risk management, we'll break down what matters most in today's environment and how to think through what comes next. Key topics include: 0:00 - INTRO 1:04 - Jerome Powell's Last Stand 5:59 - Markets Primed for Pull Back 10:28 - When Will Oil Prices Peak? 13:48 - Will UAE Exit from OPEC+ Fracture CarteL? 15:39 - Could OPEC Break Up Lead to Oil Over-supply/Price Crash? 17:00 - The Fed Should Be Seen & Not Heard 20:27 - Strategies for Rates and Timing 22:25 - John Bogle, International Mutual Funds, & Boat Anchors 27:37 - Market Volatility & Record Retail Participation 28:25 - How We Use Options 31:01 - When Do We Know the Software Services Apocalypse is Over? 33:23 - What Was Your Worst Trade...and Biggest Mistake? 38:37- What Did Lance have for Breakfast? 40:05 - Investing in Photonic Stocks? 43:38 - Armadillos & Horses (really, people??) Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/xzazFr20EOE ------- Watch today's "Before the Bell" feature, "Overextended Markets - Pullback Risk Rising," here: https://www.youtube.com/playlist?list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "The Hidden Costs of Divorce," https://youtube.com/live/sSYl1w7TUek?feature=share ------- The latest installment of our new feature, Before the Bell, "Don't Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #FederalReserve #TechnicalAnalysis #Investing #FinancialPlanning #InvestorQuestions
Markets held steady Tuesday, but beneath the surface, conditions are becoming increasingly stretched. Prices are now sitting well above key moving averages, with momentum and relative strength pushing into overbought territory. While there's no immediate sign of breakdown, this level of extension typically limits upside and raises the probability of a near-term pullback. With key catalysts ahead, including today's Fed announcement and earnings releases, markets are vulnerable to even minor negative surprises. As we move into May, a period that historically brings more volatility, the combination of seasonal weakness and technical extension increases risk. This may be a good time to review portfolios, trim risk, and prepare for a potential pullback—which could ultimately present a more favorable entry point. Markets don't move in straight lines, and patience here may be rewarded. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/playlist?list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz --- Articles mentioned in this report: "The Microsoft OpenAI Marriage Is On Rocky Ground" https://realinvestmentadvice.com/resources/blog/the-microsoft-openai-marriage-is-on-rocky-ground/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #FederalReserve #TechnicalAnalysis
Divorce is rarely just emotional—it can be financially devastating. Lance Roberts and Jon Penn break down the many costs and consequences of divorce, with a focus on "financial infidelity" and how hidden spending, secret accounts, and undisclosed income are tearing marriages apart. Key topics include: 0:00 - INTRO 0:58 - Earnings Season Chugs Along 4:01 - What's Hanging Over Markets Now 5:31 - Market Breadth Narrows 10:34 - Private Jets & Early Wake-up Calls 11:24 - Cohabiting, Marriage, & Financial Conflict 16:14 - Forensic Accountants & Secret Families(!) 18:52 - Splitting & Combining Money - The Zero-based Budget 21:52 - Two Biggest Causes of Divorce 23:06 - The "Gray Divorce" Phenomenon 25:08 - Financial Infidelity & Gambling 30:08 - Biggest Risk in Marriage (Poll) 32:34 - "Half!" 36:10 - Pre-marital Financial Counseling 37:56 - The Real Meeting 42:07 - Financial Habits are Hereditary 47:17 - Beware Lifestyle Creep Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/sSYl1w7TUek?feature=share ------- Watch today's "Before the Bell" feature, "Narrow Rally Warning," here: https://youtu.be/KOvVspATC_o ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Why is the Market Ignoring the Strait? " https://youtube.com/live/tpVJst4GNkE?feature=share ------- The latest installment of our new feature, Before the Bell, "Don't Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #Nasdaq #EnergyStocks #DivorceCosts #FinancialInfidelity #PersonalFinance #MarriageAndMoney #WealthManagement
Markets pushed to another all-time high Monday, with momentum accelerating as the 20-DMA crosses back above key moving averages. But while price action remains strong, conditions are increasingly overbought and extended, making further gains harder to sustain. Under the surface, cracks are forming. The equal-weighted S&P 500 has declined for five consecutive days, signaling narrowing market breadth as leadership rotates back into mega-cap tech. Nvidia's surge highlights this concentration risk, raising questions about how durable this rally is without broader participation. Looking ahead, futures are mixed this morning, and key macro signals are developing. The U.S. Dollar is stabilizing and nearing a buy signal, which could pressure commodities. Meanwhile, energy prices and the XLE ETF are strengthening, potentially setting up a reversal trade that could support broader market participation. Watch for whether energy and value stocks can step in to stabilize breadth, or if this rally continues to narrow. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/KOvVspATC_o --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #Nasdaq #EnergyStocks
Geopolitical tensions around the Strait of Hormuz have historically sent shockwaves through global markets—especially oil. Yet today, markets appear unusually calm. Why? Lance Roberts breaks down the disconnect between rising geopolitical risk and resilient equity markets, exploring why investors may be discounting the threat, including shifting oil correlations, expectations for contained conflict, and the role of liquidity, positioning, and market structure. Key topics include: 0:00 - INTRO 1:02 - Assassination Attempts & Strait of Hormuz News 5:12 - Markets Consolidate to Close at All-time Highs 9:44 - Data Center Plays Today 15:06 - Men, Women, & Movies 19:42 - Is the Market Ignoring the Strait of Hormuz? 29:42 - What To Do Now 36:02 - The Dollar's Funeral Nobody Attended Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Smart Wealth Transfer Strategies " https://youtube.com/live/J1FjILk7Gaw ------- The latest installment of our new feature, Before the Bell, "Don't Chase These All-Time Highs" is here: https://youtu.be/fcqpg6b8GPQ ------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #RiskManagement #StockMarketNews #Geopolitics #OilPrices #Investing
Markets ended a volatile week at new all-time highs, but the path higher is getting more challenging. Despite ongoing consolidation, stocks remain extended above key moving averages, suggesting upside from here may be more limited than the sharp rally off recent lows. Under the surface, the market is still healthy. Breadth is improving, sector rotation is constructive, and earnings growth—especially in semiconductors and energy—continues to support higher prices. However, rising oil prices and interest rates are beginning to push inflation expectations higher, which could become a headwind. The message for investors is simple: stay constructive, but don't chase. Use strength to take profits, rebalance risk, and be patient for better entry points as markets either consolidate further or pull back. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/fcqpg6b8GPQ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #RiskManagement #StockMarketNews
What are the smartest ways affluent families transfer wealth efficiently—and what mistakes should you avoid? Richard Rosso & Devoda Owens share wealth transfer strategies from the simplest approaches to more advanced planning techniques, starting with foundational tools like annual gifting and using lifetime exemptions. Also explaining how to think about asset selection—what to gift now versus what to hold for a step-up in basis. Key topics include: 0:00 - INTRO 0:19 - Missed Exits, '70's Music, Origins of the RIA Eagle 4:15 - Looking at Wealth Transfers 5:55 - Charitable Donations & Tax Deductions 7:47 - The Great Wealth Transfer 11:14 - Wealth Transfer Planning for Asset Protection 13:03 - The Foundation of Wealth Transfer is Gifting 16:58 - Trust Planning: Revocable & Irrevocable Trusts 19:31 - Potential for Taxation of Wealth Transfers 22:59 - Managing Illiquid Assets in a Trust 24:57 - Messy Estate Plans for Celebrities (Do you really need one?) 30:14 - Trusts Are Expensive 31:56 - Donor-advised Charitable Funds 35:27 - Leaving Inheritance for Pets, the Saga of Gravy Train 37:49 - Roth Conversions in Wealth Transfers 42:14 - Our Next Candid Coffee (5/16/26)* Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Devoda Owens, CFP, MS ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/J1FjILk7Gaw ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Can Warsh Reshape the Fed?" https://youtube.com/live/MKQ5YTaUNh8 ------- The latest installment of our new feature, Before the Bell, "Wait for the Setup" is here: https://youtu.be/0PkDug9qEys ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #WealthTransfer #EstatePlanning #TrustStrategies #FinancialPlanning #HighNetWorth
Kevin Warsh's nomination hearing put Federal Reserve reform front and center. His vision challenges long-standing norms, raising key questions about how monetary policy could change—and what it means for markets. What would a Warsh-led Fed mean for interest rates, inflation expectations, and market stability? Lance Roberts & Michael Lebowitz break down the implications. Key topics include: 0:00 - INTRO 1:04 - Kevin Warsh & Fed Reform; Technology at All-time High 5:47 - If You Missed the Rally... 10:32 - Temps in God's Country 11:39 - Odds are Kevin Warsh Will Be Confirmed 12:22 - Misnomer: The Fed is Trying to Bail Out the Dollar 16:02 - All Money is Lent Into Existence 18:29 - Money Supply is Not a Gauge of Inflation 22:09 - Misunderstanding Leads to Poor Investing Decisions 23:19 - When Kevin Warsh Replaces Jerome Powell 24:44 - QE is Reverse-Robinhood 26:40 - Fed Switch from Trimmed PCE for Inflation Metric 28:22 - Fed Communication & Forward Guidance 31:20 - Markets No Longer Pay Attention to Fundamentals 34:39 - Will Warsh Be Able to Make Substantive Changes? 36:17 - Fed Crises & New Chairmen 39:18 - Passive Investing Does a Disservice to Economy 41:05 - The Value Names Don't Have a Lot of Value 43:06 - Passive Investing Creates Mis-allocation of Capital ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MKQ5YTaUNh8 ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Q&A Wednesday - Ask Us Anything " https://youtube.com/live/yFe9x3vjJn0 ------- The latest installment of our new feature, Before the Bell, "Wait for the Setup" is here: https://youtu.be/0PkDug9qEys ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #TechnicalAnalysis #FederalReserve #KevinWarsh #InterestRates #Inflation #MonetaryPolicy
Markets continue to hold up well, but momentum is beginning to slow as overbought conditions persist. While earnings expectations and money flows remain supportive, the near-term upside appears limited without a period of consolidation or a pullback. In today's pre-market update, we discuss why patience is critical here. With key economic data ahead and uncertainty around potential Fed leadership changes, markets may need time to reset before the next leg higher. Chasing this rally at current levels could expose investors to unnecessary short-term volatility. Technically, the setup is improving beneath the surface. The 20-DMA is rising and working back above longer-term moving averages, which can provide near-term support if markets hold current levels. However, a more attractive entry point likely comes with a pullback toward the 50- and 100-DMA support cluster. Despite geopolitical concerns, including tensions in the Strait of Hormuz, markets are focusing on forward earnings and longer-term expectations. The trend remains intact, but discipline is key as momentum slows and the market works through this phase. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/0PkDug9qEys?si=DP1sskL3hOfVuD_C --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #TechnicalAnalysis #FederalReserve
It's Q&A Wednesday, and we're tackling the questions that matter most right now—markets at all-time highs despite geopolitical tension, whether this rally can hold, and where investors should be positioned if volatility returns. Lance Roberts & Danny Ratliff also dive into real-world portfolio decisions: how to think about inflation hedges like I-Bonds and TIPS, strategies around QLACs and RMDs, tax considerations in ETFs, and where to park cash in today's environment. Along the way, we break down emerging risks and opportunities, from private credit exposure and national debt concerns to IPO dynamics and structural market changes. If you're trying to make sense of a market that seems disconnected from headlines while still planning for long-term outcomes, this episode connects the dots. Key topics include: 0:00 - INTRO 0:58 - Kevin Warsh & Iran Blockade 5:03 - Can Markets' Rally Be Maintained? 9:45 - I-Bonds & Tips 12:45 - QLAC's & RMD's 15:30 - What Would You Have Done Differently in Last Downturn? 17:35 - What Tax Benefits are Provided with SPYI ETF? 18:49 - NASDAQ-100 Fast Entry Rule Change 20:22 - Private Investment IPO's 22:05 - When Markets Pull Back, to what sectors will money rotate? 23:34 - What is the Private Credit Risk to Insurance Companies? 25:25 - What is the future impact of the National Debt? 28:40 - Space-X IPO 29:35 - Auto-callable Growth ETF's 36:01 - What Vehicles are Used for Cash Positions? 38:14 - Why is S&P at All-time Highs w Hormuz Strait Still Closed? ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/yFe9x3vjJn0 ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Financial Illiteracy: Too Big to Ignore" https://youtube.com/live/jAHYTG9JFDg ------- The latest installment of our new feature, Before the Bell, "Buy the Dip or Wait?" is here: https://youtu.be/70nOJWV4YDI ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BuyTheDip #MarketOutlook #TradingStrategy #Investing #FinancialPlanning #Retirement #MarketAnalysis
Markets are set to open slightly higher, with oil prices steady and futures pointing to a modest gain. The key question: can the rally hold, or are we entering a more uneven phase? Markets remain technically overbought, which limits near-term upside and increases the likelihood of choppy, sideways movement. Recent pullbacks are not surprising and, at this stage, are more consistent with consolidation than the start of a deeper correction. Under the surface, buying pressure remains firm. Hedge funds and professional managers are increasing exposure, while retail investors are beginning to re-engage after missing the recent dip. Support levels remain intact, suggesting any downside may be limited. We are also seeing a rotation back into mega-cap and growth stocks after earlier leadership from value, signaling a potential shift in market leadership. In this type of environment, patience matters. Rather than chasing extended positions, focus on stocks and sectors that have already bottomed and are beginning to recover. Those setups may provide more attractive entry points as the market works through this phase. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/70nOJWV4YDI --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #BuyTheDip #MarketOutlook #TradingStrategy #Investing
Financial illiteracy is no longer just a personal challenge—it's a growing national risk. With U.S. household debt exceeding $18 trillion and nearly 40% of Americans unable to cover a $400 emergency, the consequences are becoming impossible to ignore. Lance Roberts & Jon Penn break down how a lack of basic financial education is driving poor decision-making, rising debt levels, and long-term economic instability. From budgeting and credit to investing and risk management, millions are navigating an increasingly complex financial system without the tools they need. Key topics include: 0:00 - INTRO 1:18 - Market Pull Back No Surprise 7:28 - Leg Day & Italy Prep 9:45 - Financial Literacy Dearth in America 14:44 - Subscriptions & Memberships - The KISS Army 16:13 - High School & College "Stock Picking" classes 19:05 - National vs Personal Debt 20:55 - The Credit Card - Credit Score Myth 23:09 - Manifestation Practices to Better Financial Health 25:17 - Family Discussions: Money & Goals 28:07 - The Perils of Buy Now - Pay Later vs Lay-Away 30:29 - Don't Let Market Moves Scare You 31:36 - First Houses, Inspections, Mortgages, & Escrows 34:27 - The Big Push for Home Ownership - Beware! 37:22 - Trade Skills & Economics in High School 39:04 - How Banks Make Money (on You) 41:55 - how to Properly React to Markets - Rules vs Me ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jAHYTG9JFDg ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Chase or Fade the Rally? " https://youtube.com/live/Uz93eoE43pc ------- The latest installment of our new feature, Before the Bell, "Overbought Market: Wait for the Pullback" is here: https://youtu.be/hSb-tdMdmWc ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis #FinancialIlliteracy #PersonalFinance #DebtCrisis #MoneyManagement #EconomicRisk
Markets pulled back slightly Monday but remain extended above key support levels, with momentum and relative strength still in overbought territory. Historically, when prices stretch this far above moving averages, the "gravitational pull" of those averages tends to bring markets back toward support. That doesn't mean an immediate decline, but it does suggest limited upside in the near term. The easy opportunity to deploy capital has likely passed for now. A better entry point will come—either through consolidation or a pullback driven by news or shifting sentiment. While the recent rally has been strong, it has also been narrow, with many stocks still trading below their 50-day moving average. Breadth is improving, but not convincingly enough to justify aggressive positioning. For investors, this is a time for discipline: manage risk, avoid chasing extended markets, and be patient. If recent volatility caused stress in your portfolio, it may be a signal that your risk exposure needs adjustment. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/hSb-tdMdmWc --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #RiskManagement #TechnicalAnalysis
Markets have surged back to all-time highs—but now comes the key decision: chase the rally, or fade it? Lance Roberts breaks down whether this rally has staying power or if investors should be cautious at current levels. We analyze short covering vs. true accumulation, sector rotation, and the impact of falling oil prices and changing inflation expectations. Key topics include: 0:00 - INTRO 1:01 - April Doing What It Does Best 3:16 - The Recent Correction is Over 4:50 - Don't Chase the Rally 10:03 - Why the Market Rebound was Stronger than Expected 13:35 - Why Behavioral Investing Leads to Poor Outcomes 16:57 - Technical charting of Over Sold / Over Bought Composite 19:39 - The Fear-Greed Composite 22:02 - Everyone Has a Reason to Hate the Rally 22:58 - Testing the Negative Narratives 26:33 - Secular Bull/Bear Periods Happen - How to Prepare? 28:33 - Why Panic is a Costly Mistake 33:00 - Bearish Sentiment Remains 35:27 - Don't Bail Out of This Rally 37:24 - Seven Portfolio Actions to Take Right Now ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Uz93eoE43pc ------- REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Watch our previous show, "Your Longevity Score: Are You Ready?" https://youtube.com/live/-2PqycDpJfw ------- The latest installment of our new feature, Before the Bell, "Don't Chase This Rally" is here: https://youtu.be/gbk9otKae2Q ------- Resources Mentioned in Today's Show: "Short Covering Rally Or Is The Bull Market Back?" https://realinvestmentadvice.com/resources/blog/short-covering-rally-or-correction-over/ "Market Lesson: Why Panic Is A Costly Mistake" https://realinvestmentadvice.com/resources/blog/market-lesson-dont-waste-being-bailed-out/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #TechnicalAnalysis #PortfolioManagement #StockMarket #MarketRally #Investing #TradingStrategy #MarketOutlook
Markets have staged a powerful rally off the recent lows, reclaiming the 200-DMA and pushing to new highs. Historically, when markets recover that level within four weeks, forward returns tend to improve—and this time, the rebound happened in just three weeks. Momentum is strong, money flows have flipped positive, and moving averages are turning higher. So why not chase it? Because the market is now stretched. Relative strength is overbought, and prices are significantly extended above key moving averages. When markets get this far ahead of their trend, short-term pullbacks are common—even within bullish setups. Over the past two years, rallies like this have repeatedly reset back toward support before continuing higher. This doesn't signal a major selloff. It suggests a pause or correction that creates better entry points. From a portfolio management perspective, this is a time to stay disciplined: trim profits, rebalance risk, and raise some cash. Identify positions that lagged during both the decline and the recovery, and consider reallocating. Small adjustments now can position you to take advantage of the next pullback. Patience here may offer a better opportunity to add exposure at more favorable levels. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/gbk9otKae2Q --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #TechnicalAnalysis #PortfolioManagement
Longevity risk is now measurable. The Longevity Preparedness Index, developed by the MIT AgeLab, scores how ready you are to live a long life. The average result is just 60 out of 100, signaling a major gap in retirement planning. Richard Rosso & Jonathan McCarty explain what drives that score, where most people fall short, and how to improve it. From Social Security timing to guaranteed income, flexible withdrawals, growth exposure, and healthcare planning, building a durable retirement plan requires multiple strategies working together. Key topics include: 0:00 - INTRO 0:19 - 8-ball Answers & Longevity Challenges 4:23 - Cap'n Crunch & Colorectal Cancer 6:27 - Longevity Preparedness Index 8:32 - Revolutionary Medical Testing 11:42 - Who Will Be Your Care Provider? 14:42 - Transition from Individualism to Collectivism w Care 17:51 - The Importance of Community: Transportation, Neighborhood 21:03 - Daily Activities & Physical Well-being 23:34 - How Do You Spend Your Days? 25:21 - Intellectually Stimulating 28:37 - How Will You Matter in Retirement? 29:38 - Finances in Retirement 32:50 - Worry About Running Out of Money in Older Age 35:05 - Knowing Where Your Money is Invested - and Why 36:35 - The Ability to Manage Day-to-Day Finances 39:35 - The Wellness Market 41:15 - AI Robots as care givers 43:38 - Moderate Physical Activity 45:09 - Is Your Home Well-prepared for Aging in Place? 48:58 - Dealing with Life Transitions 52:02 - Take Time to Reminisce 54:01 - Adapting to New Life Circumstances ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/-2PqycDpJfw ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "What Will the Fed Do Next? " https://youtube.com/live/IflJyKIbe7s ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What's Next?" is here: https://youtu.be/ep4NAmWINYg ------- Resources Mentioned in Today's Show: https://www.johnhancock.com/ideas-insights/longevity-preparedness-index/longevity-preparedness-score.html https://www.livingto100.com/calculator ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LongevityRisk #RetirementPlanning #FinancialPlanning #MITAgeLab #WealthStrategy
With inflation trends shifting, economic data sending mixed signals, and markets hovering near key levels, the big question is: what will the Federal Reserve do next? Lance Roberts & Michael Lebowitz break down the Fed's current dilemma—balancing inflation control with economic growth—and what it means for interest rates, equities, and bonds. Key topics include: 0:00 - INTRO 1:04 - Markets Hit 5th All-time High for 2026 6:48 - Markets Up 11% from Bottom 11:35 - Pollen & Taylor Sheridan 16:25 - Allbirds & AI craze 20:12 - Market Turnover Velocity & SEC "oversight" 26:57 - Market Breadth & Growth to Value Rotation 31:22 - The Fed is Stuck 36:58 - The Tailwind for Fed Rate Cuts has Increased 39:02 - The Risk of Volatility Remains 41:19 - Markets Have Priced-in Iran ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IflJyKIbe7s ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "Q&A Wednesday: Markets, Taxes, and Your Money" https://youtube.com/live/X2EdwIni6_8 ------- The latest installment of our new feature, Before the Bell, "Markets Rally 11%: What's Next?" is here: https://youtu.be/ep4NAmWINYg ------- Articles Mentioned in Today's Show: "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #TechnicalAnalysis #SP500 #MarketTrends #FederalReserve #InterestRates #Inflation #FedPolicy
Markets have surged 11% from recent lows after a powerful ten-day rally, pushing above key moving averages and approaching more overbought conditions. Momentum is strong, and buy signals are in place, but as markets stretch further from their averages, upside may become more challenging in the near term. A major difference in this cycle is the absence of a "death cross." The 50-day moving average never broke below the 200-day, and markets quickly reclaimed key technical levels. Historically, that type of setup points to stronger underlying support and lowers the probability of a full retest of recent lows. That said, short-term pullbacks are still possible. A move back to support could provide a better opportunity to add exposure, particularly as volatility risks begin to rise later in the year. The debate now: is this just a short-covering rally, or the start of a more durable advance? We break down the technical signals, momentum trends, and what to watch next. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/ep4NAmWINYg --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #TechnicalAnalysis #SP500 #MarketTrends
It's Q&A Wednesday, and with Tax Day here, we're tackling your biggest questions on markets, taxes, and financial strategy in real time. Lance Roberts & Danny Ratliff field questions, from navigating today's market volatility to making smart, last-minute tax decisions, this episode is driven by what matters most to you. We break down current events, investor concerns, and practical steps you can take right now to stay on track. Key topics include: 0:00 - INTRO 1:03 - Markets Climb Higher 3:01 - Watch Sentiment, Fear-Greed Index 6:38 - Markets Rally Back to All-time Highs 10:42 - How Do Money Flows Work? 13:34 - What is the Next Resistance Level? 15:08 - Risk Bucket Strategies & Goal Scooping 19:13 - At Age 70, Holding or Managing? 21:27 - Long Bonds - Investing or Trading? 25:34 - How Our Kids Invest 26:13 - Revaluation of Gold? Don't Bank on it. 29:18 - Where Rosso Shops for Clothes 30:29 - Pre- or Post-Tax Portfolio? 38:13 - Insurance Company Annuities & Private Credit Exposure 41:33 - Space-X & Anthropics IPO's 43:32 - When is Ideal Time to Initiate Annuity Withdrawals? ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/X2EdwIni6_8 ------- REGISTER for our next Candid Coffee, Saturday, April 18: https://realinvestmentadvice.com/resources/events/ask-us-anything-2/ -------- Watch our previous show, "Are Financial Advisor Fees Really Worth It?" https://youtube.com/live/5IaUfLHtiyg ------- The latest installment of our new feature, Before the Bell, "Markets Hit Highs: Buy Now or Wait?" is here: https://youtu.be/wiSeFGUo6IE ------- Articles Mentioned in Today's Show: "S&P 500 Outlook: The 8.2% Rally & What Comes Next." https://realinvestmentadvice.com/resources/blog/sp-500-outlook-the-8-2-rally-what-comes-next/ "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ "The South Park Investment Curse" https://realinvestmentadvice.com/resources/blog/lets-knock-on-wood/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #TechnicalAnalysis #SP500 #TaxDay #StockMarket #Investing #FinancialPlanning #WealthManagement
Markets have surged back to all-time highs, a sharp reversal from just weeks ago when geopolitical fears dominated headlines. With price now clearing all major resistance levels and reclaiming key moving averages, the technical backdrop has improved significantly. Market breadth is expanding, providing a healthier foundation for this rally. However, conditions are now short-term overbought, suggesting a pause or pullback could be next. The key level to watch is the cluster of support formed by recently reclaimed moving averages and high-volume trading zones. If markets can consolidate and hold these levels, it may offer a favorable entry point for investors looking to add exposure. Seasonality also begins to play a role, as post–Tax Day retail flows historically pick up into late April and May. While a summer correction remains a reasonable expectation, the near-term outlook points to consolidation followed by a potential continuation higher. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/wiSeFGUo6IE --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #TechnicalAnalysis #SP500
Are financial advisor fees really worth it—or are you paying more than you should? Lance Roberts & Jon Penn break down the true value behind advisory fees and what investors should expect in return. It's not just about investment performance. A good advisor delivers portfolio construction, risk management, tax efficiency, and long-term financial planning—all designed to help you build and protect wealth. Also in this episode, Lance and Jon offer tax tips for the day before Taxes are due... Key topics include: 0:00 - INTRO 1:13 - Iran Negotiations = More Market Volatility 6:17 - Markets Rally Towards Previous Highs 8:16 - Is the Correction Over? 11:19 - Lance is Back; Thanks to Jon 13:10 - Why Pay an Advisor? 18:24 - You Don't Have to Beat a Benchmark 19:24 - Driving in Houston & Managing Risk 22:34 - Why You Need an Advisor 28:43 - Use the Right Tool 31:55 - Why We Don't Sleep (so that YOU can) 34:07 - The Truth About Paying a Fee 39:07 - The Value in Starting Young(er) 43:42 - Last Minute Tips for Tax Day (tomorrow) ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5IaUfLHtiyg ------- Watch our previous show, "The S&P 500 Rally: What Comes Next?," https://youtube.com/live/ylJqaK248pk ------- The latest installment of our new feature, Before the Bell, "Buy Signal Is Back - But Don't Chase" is here: https://youtu.be/lM6tkRDoRe8 ------- Articles Mentioned in Today's Show: "S&P 500 Outlook: The 8.2% Rally & What Comes Next." https://realinvestmentadvice.com/resources/blog/sp-500-outlook-the-8-2-rally-what-comes-next/ "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ "The South Park Investment Curse" https://realinvestmentadvice.com/resources/blog/lets-knock-on-wood/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #TechnicalAnalysis #FinancialAdvice #AdvisorFees #WealthManagement #InvestingStrategy #PersonalFinance
Markets opened weak Monday but staged a powerful reversal, pushing back toward recent highs and reclaiming key technical levels. Money flows have flipped from deeply negative to positive, and a short-covering squeeze has accelerated the move higher. The big shift: markets are now trading back above all major moving averages, including the 20-, 50-, 100-, and 200-DMA. That transition signals a return to "buy mode" from a technical perspective, with momentum clearly improving. Historically, reclaiming these levels after an oversold condition often marks a short-term bottom. However, investors should not get complacent. Markets are now short-term overbought, and a consolidation or pullback is likely in the coming days. That could provide a more favorable entry point for deploying capital or rebalancing portfolios. Looking ahead, risks remain. Rising oil prices and their potential impact on inflation and earnings could drive another correction this summer. If the recent drawdown felt uncomfortable, it may be a signal to reassess portfolio risk and positioning. This is a market shifting back to strength—but with caution warranted. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/lM6tkRDoRe8 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #SP500 #MarketOutlook #TechnicalAnalysis
The S&P 500 just surged 8.2% off its March lows—reclaiming key technical levels and sitting within striking distance of all-time highs. But is this the start of a sustained move higher, or just a reflexive rally before another pullback? Lance Roberts & Jonathan Penn break down what drove the rally—from extreme bearish sentiment and a volatility reset, to easing geopolitical tensions—and why those factors matter for investors right now. We also examine the critical technical signals, including the reclaiming of the 200-day moving average, and what history suggests about forward returns after similar setups. Key topics include: 0:00 - INTRO 1:08 - Is the Correction Over? 4:50 - When Markets Are Correcting... 8:39 - Earnings Season Commences 10:12 - Now is the Time to Rebalance Risk 16:37 - Lance's U.K. Vacation 21:09 - Big Rally Last Week - What Happens Next - Factors to Watch 26:43 - Bull Case vs Bear Case 30:00 - Lance's Investor Guidelines 33:09 - Markets Feel Worse Than They Are 36:08 - The Southpark Market 40:09 - Why You Should Be Buying the Crash 42:07 - What Everyone Knows... 44:12 - Nothing Stays Static 47:03 - The Hard Part of Investing ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ylJqaK248pk ------- Watch our previous show, "What To Do After You Inherit Money," https://youtube.com/live/PfgdqYStb70 ------- The latest installment of our new feature, Before the Bell, "Back Above 200-DMA?" is here: https://youtu.be/_JrTG3hB_co ------- Articles Mentioned in Today's Show: "S&P 500 Outlook: The 8.2% Rally & What Comes Next." https://realinvestmentadvice.com/resources/blog/sp-500-outlook-the-8-2-rally-what-comes-next/ "Oil Shock: Will The Fed Intervene" https://realinvestmentadvice.com/resources/blog/oil-shock-will-the-fed-intervene-part-2/ "The South Park Investment Curse" https://realinvestmentadvice.com/resources/blog/lets-knock-on-wood/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #StockMarket #Investing #TechnicalAnalysis #MarketOutlook #InvestingStrategy #FinancialMarkets
Markets surged 8.2% last week, reclaiming the critical 200-day moving average within the key 4-week window—historically a positive signal for forward returns. Even more notable, the S&P 500 pushed back above the 50- and 20-DMAs, clearing major resistance levels in a powerful technical reversal. But this morning brings new uncertainty. Geopolitical tensions are rising as the U.S. Navy announces a blockade of the Strait of Hormuz following a failed cease-fire, with futures pointing modestly lower. After an extended rally—especially in Technology—markets may be due for a near-term pullback. The key question now: can markets consolidate above the 200-DMA and hold recent gains? If so, the bullish case strengthens. If not, this could turn into another failed breakout. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/_JrTG3hB_co --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #StockMarket #Investing #TechnicalAnalysis #MarketOutlook
Receiving an inheritance can be life-changing—but without a clear plan, it can also lead to costly mistakes. Richard Rosso & Jonathan McCarty walk through the critical steps to take after inheriting money, from protecting the assets and understanding tax implications to building a long-term financial strategy. Key topics include: 0:00 - INTRO 0:19 - Smarties Candies & Holographic Tombstones 3:21 - Baby Boomers, Inheritances, & Great Wealth Transfer 5:31 - Planning for an Inheritance 8:03 - The Stress of Care-giving 12:59 - What to Do with the Money 15:38 - Tax Implications for Inheritance Money 18:44 - Funding the Financial Security Cushion 20:07 - Paying off Debt & Using Credit Cards Wisely 22:23 - Implementation of Financial Plan 25:12 - Fallacies w Inherited Stock 26:26 - Testamentary Trusts 30:40 - Movie Stars' Poor Estate Plans 31:40 Candid Coffee Teaser 33:22 - The Emotional Impact of Inheritance Money 35:11 - Elvis' Estate Plan 37:06 - Leaving Behind as Little as Possible 38:40 - Dealing with all the Schtuff 41:26 - Generational Financial Insecurity 42:45 - How We Grew Up vs Now 45:01 - Lithographs & Gunsmoke 46:38 - Pintos & Car Colors ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PfgdqYStb70 ------- Watch our previous show, "US–Iran Deal: What Investors Must Watch Next," https://youtube.com/live/1GbqGflIK4A ------- The latest installment of our new feature, Before the Bell, "2Oil vs Markets: The Ceasefire Test" is here: https://youtu.be/ktGa-pbc3ps ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InheritancePlanning #WealthManagement #FinancialPlanning #EstatePlanning #Investing
Markets are reacting fast to signs of a potential resolution between the U.S. and Iran—but what should investors actually focus on next? A ceasefire or diplomatic breakthrough can spark a powerful short-term rally, driven by falling oil prices, easing geopolitical risk, and improved sentiment. But history shows these moves are often just the beginning—not the end—of the real story. Jon Penn & Michael Lebowitz break down the key signals investors need to watch as the situation evolves. Key topics include: 0:00 - INTRO 1:06 - How Durable Will Iran Cease-Fire Be? 8:50 - How We've Reduced Risk 13:34 - Leaving Enough Meat on the Bone 15:40 - What Happens After Resolution? 19:43 - Guidance Will Matter More Than Earnings 20:58 - Cease-fire & Sentiment 24:34 - Who Do You Trust? 28:48 - Buy When Stocks Are Cheap 34:37 - Is Apple the Next Google? 40:53 - Getting Caught Up in the AI Race ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/1GbqGflIK4A ------- Watch our previous show, "Starter Home vs Renting: The Real Money Decisions," https://youtube.com/live/Iro2CW91YdM ------- The latest installment of our new feature, Before the Bell, "2Oil vs Markets: The Ceasefire Test" is here: https://youtu.be/ktGa-pbc3ps ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #Investing #MarketOutlook #Geopolitics #OilPrices #Inflation #Investing
Markets are showing early signs of stabilization following a ceasefire announcement, but one key variable continues to dominate: oil prices. Before the news, oil and risk assets were moving in near-perfect opposition, signaling heightened geopolitical sensitivity. Now, markets are attempting to hold above the 200-day moving average—a critical technical level that could define the next trend. The big question: will the ceasefire hold, and will oil confirm the market's optimism? With earnings season approaching, potential buybacks ahead, and improving seasonality, the backdrop is turning more constructive—but fragile. If markets maintain support above the 200-DMA, upside participation increases. If not, risk management becomes key. For now, oil remains the signal to watch—and the durability of peace talks may determine everything that follows. Hosted by RIA Senior Financial Advisor, Jon Penn, CFP, and Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/ktGa-pbc3ps?si=RJiIjL8O0lokvLI2 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #Investing #MarketOutlook
Buying your first home, planning a wedding, managing insurance changes, and starting a career—these are the real financial decisions young adults are facing right now. Jon Penn & Danny Ratliff are "Two Dads on Money," walking through a real-life scenario: from choosing to buy instead of rent in a limited market. Key topics include: 0:00 - INTRO 0:51 - Markets Respond to Iran Ceasefire 8:57 - Money Talks w Kids Young & Older 12:26 - Home Purchase Blues - Rent vs Buy? 17:37 - Mistakes w Houses in the Past 19:49 - Have the Money Conversation w Kids 23:27 - 1st Jobs & Pay Yourself First 26:09 - The Value of Dollars & Time - Save-Share-Spend 28:36 - Device Control & Watching Stocks 30:42 - Setting Spending Thresholds 33:19 - What the Most Successful Families Do - Kids & Cars 37:52 - How You Know When It's Time to Replace a Vehicle 42:34 - How to Stand out - Hand-written Notes 46:28 - Having a Realistic Financial Plan ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Iro2CW91YdM ------- Watch our previous show, "AI Advertising Explained: How Brands Win Inside ChatGPT," https://youtube.com/live/AufKaBCT8uU?feature=share ------- The latest installment of our new feature, Before the Bell, "2Ceasefire Rally: Breakout or Trap?" is here: https://youtu.be/HWJR7qbcEP8 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FirstTimeHomeBuyer #RentVsBuy #PersonalFinance #FinancialPlanning #MoneyInYour20s
Markets are surging on news of a two-week ceasefire in Iran—but is this the start of a sustained rally or just another short-term bounce? With markets previously oversold and put activity at extreme levels, conditions were already in place for a reflexive move higher. Now, the ceasefire may be the catalyst pushing the S&P 500 back above the critical 200-day moving average. But here's the catch: markets don't usually bottom on good news. Hosted by RIA Senior Financial Advisors, Danny Ratliff, CFP, and Jon Penn, CFP Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/HWJR7qbcEP8 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketRally #Investing #OilPrices
AI is changing how consumers discover businesses, make decisions, and trust information. Lance Roberts visit with Joseph Levi, Co-founder & CEO of Noise Media, about how advertising inside AI platforms like ChatGPT could reshape marketing, SEO, and brand building. Lance and Joseph explore whether businesses can influence AI-generated answers, the difference between the best answer and a paid answer, and why trust and accuracy are becoming the most valuable currencies in the AI era. From niche positioning to content strategy, we explain what actually works and what doesn't when trying to show up in AI-driven results. We also discuss the shift from traditional search engines to AI assistants, how small businesses can adapt, and the biggest marketing mistakes to avoid. Plus, we dive into the rise of AI agents, monetization strategies, and the competitive landscape between leading AI platforms. Key topics include: 0:00 - INTRO 1:21 - What is Noise Media, GEO (Generative Optimization) 2:28 - Advertising within ChatGPT - Importance of appearing in answers 3:51 - The best answer vs the paid answer 5:53 - Having Faith in the Quality of the Information (You cannot "trick the system;") 6:21 - Two scenarios - specific query, generic query 9:10 - Building a Brand with AI - content is king 10:48 - The Shift in Consumer Discovery 11:27 - The Next Big Player? 13:13 - Where is the starting point? 14:40 - What's the best length of content 16:45 - Will AI Neutralize the challenge of SEO strategies & changing algorithms 19:00 - The Fear of AI Job Replacement 21:10 - Elements of Optimal positioning for new businesses - test and learn 24:05 - Getting ready for business - scaling up 25:14 - Utilization of AI and leverage - having a team of AI agents 27:06 - Marketing Mistakes Small Businesses Make & The Importance of Marketing 32:35 - Seeing Opportunity when New Platforms Emerge 33:49 - Vudo.AI 35:05 - A matter of trust & The Velocity of AI 36:21 - How to Monetize AI 36:51 - Who's the Best AI now - Claude vs ChatGPT Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/AufKaBCT8uU?feature=share ------- Watch our previous show, "4-6-26 AI: How To Invest in the Next Industrial Revolution - Brian Dunlap Interview" https://youtube.com/live/ckKzFqCAHHs?feature=share ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AIAdvertising #ChatGPTMarketing #FutureOfSearch #DigitalMarketingStrategy #AIForBusiness
AI is not hype — it is the most consequential economic shift since the Industrial Revolution, and it is rewriting the investment playbook. Lance Roberts and special guest, Blackrock's Brian Dunlap, break down the full AI and tech stock story: how we got here, where the money is flowing, and what investors need to know right now. From the infrastructure build-out and enterprise adoption to physical AI, robotics, and autonomous vehicles, we walk through the entire investment cycle — including the IDGT and BAI ETFs, the hyperscalers driving capex, and why data centers are the revenue-generating factories of the AI era. (More information may be seen at iShares.com). We also tackle the hard questions: Is this a boom or a bubble? Are debt concerns valid? What is circular financing, and how does it affect long-term sustainability? And what does the road ahead look like as we approach the critical inflection point from training to inference? If you want the full picture on AI investing — the macro forces, the key players, and a framework for positioning your portfolio — this is the episode. 00:00 INTRO 2:09 - The AI/Tech Stock Story 3:58 - How We Got Here & The Impact of AI 7:42 - AI will become a piece of National Security 9:32 - AI is the next Industrial Revolution 10:47 - A Fundamental Shift in the Employment Landscape 12:11 - The Net Result of AI Expenditures 14:02 - What Does the Future of AI Look Like? 14:44 - The Adoption Cycle 16:14 - We're in the infrastructure Build phase; Enterprise Adoption - tokenization 18:05 - Revenue Opportunities Physical AI - Robots & autonomous vehicles 20:00 - Investing in the Cycles (IDGT etf) (BAI etf) 21:48 - Timing of the Buildouts - what's the useful life? 23:15 - Moving towards an inflection point in AI - building to training/inference Datacenters in space? 26:09 - The AI Investment Thesis - datacenters are factories producing revenue 27:56 - Who are the hyperscalers 29:46 - Are Debt Concerns Valid? 32:09 - Who are funding sources - Boom vs Bubble? 35:07 - Demand for AI has done nothing but accelerate 36:00 - The issue of circular financing... 39:05 - The Trajectory of Revenue Growth in AI 42:33 - How Long Before AI Puts us Out of a Job? Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO, w Brian Dunlap, Director, Blackrock Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtube.com/live/ckKzFqCAHHs --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AIStocks #TechInvesting #ArtificialIntelligence #StockMarket #AIInfrastructure #Blackrock #IDGT #BAI #ETF
Most retirement plans focus on savings and returns—but that's not what truly puts retirement at risk. Richard Rosso, Sarah Buenger, & Jonathan McCarty commiserate on the annual chore of paying taxes...but, provide helpful guidance in planning so that your tax bite might be lessened. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Sarah Buenger, CFP, and Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - If Rich & Sarah Were on Gilligan's Island 1:05 - The Fine Line Between Tax Prep & Tax Advice 4:32 - More Extensions Does Not Mean Paying Later 6:48 - The Rothification of America 9:02 - Tax Planning & Year-round Engagement 10:46 - Importance of Being Tax-flexible 13:15 - Beware the Dreaded Tax Torpedo 16:10 - The Taxes Chainsaw Massacre 23:09 - Easter Candy Inflation ------ Register for our next Candid Coffee, 4/18/26: https://streamyard.com/watch/qBfU28XDus8N ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Bbl15fp3VtY?feature=share ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementRisks #FinancialPlanning #WealthManagement #Investing
Markets are hitting a critical inflection point—and the stakes are rising fast. A major policy speech from Donald Trump sparked volatility, just as markets tested a key cluster of technical resistance. Now investors are facing a bigger question: is the market environment shifting from a short-term rally to something more structural? Lance Roberts & Michael Lebowitz break down: Why elevated oil prices could reignite inflation and complicate the Fed's next move Whether the Federal Reserve is walking into a policy trap between inflation and slowing growth What matters more right now: GDP or inflation—and why the answer could surprise you Early warning signs from Nike earnings and forward estimates Why foreign investors may be selling U.S. Treasuries—and what that means for yields and markets The growing debate around fiat currency, private credit stress, and systemic risk How to interpret market narratives and avoid being "sold" the wrong story We also discuss portfolio positioning in a volatile environment, why avoiding emotional reactions is critical, and how to think through multiple market outcomes from both optimistic and pessimistic perspectives. This is a must-watch breakdown for investors navigating rising uncertainty across inflation, interest rates, and global capital flows. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:14 - Trump Address Roils Markets 7:16 - Markets Test Cluster of Resistance 13:00 - Two Moms' Recap 14:16 - Higher Oil Prices' Impact on Economy 16:15 - Markets Looking for Impact on Forward Earnings 18:18 - Avoid Volatility 19:37 - Between AI & Wife, Lance can Quit 20:09 - Elevated Oil Prices, Inflationary Impact - What's the Fed's Move? 22:05 - What Matters More: GDP or Inflation? 26:08 - Chat Etiquette 27:03 - Is the Fed Set Up for a Potential Trap? 28:49 - Nike Earnings & Forward Estimates 30:09 - Is Market Tone Shifting - Why Foreigners are Selling Treasuries Now 35:30 - The Death of Fiat Currency 38:26 - Consider All Perspectives (What are they trying to sell you?) 40:22 - Private Credit Gating - Pessimists vs Optimists ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," TODAY, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p-Abp5gxKSc ------- Watch our previous show, "Wives Take Over: Money, Marriage, and Real Talk," https://youtube.com/live/wTSSjezC_jI ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- The latest installment of our new feature, Before the Bell, "200-DMA Rejection: Bounce or Breakdown?" is here: https://youtu.be/SbKpg_TCsdY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #TechnicalAnalysis #InvestingStrategy #SP500 #FederalReserve #Inflation #StockMarket #InterestRates #Investing
Markets delivered the expected oversold bounce earlier this week, but momentum stalled right at a key technical level—the 20-DMA just beneath the 200-DMA. Now, with futures pointing lower following comments over night from President Donald Trump, the market faces its first real test after the recent rally attempt. Was that rally just a reflex bounce, or the start of something more sustainable? In this pre-market update, we break down the two critical paths forward: a deeper correction with a break of recent lows, or a more constructive setup where markets establish a higher low and rebuild toward a move above the 200-DMA. Failures at major resistance levels are common—but what happens next is what matters most. We'll also discuss what to watch over the next few sessions, including momentum signals, relative strength, and the importance of staying unbiased in volatile conditions. If you took profits into the recent rally, you're positioned well. Now it's time to let the market reveal its next move—and react accordingly. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/SbKpg_TCsdY --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #TechnicalAnalysis #InvestingStrategy #SP500
What happens when the wives take over the show? For this special April Fool's Day edition of #TheRealInvestmentShow, the tables are turned as Michelle Ratliff & Christina Roberts step in to answer the questions investors never hear. From what Lance and Danny would really be doing outside of wealth management, to what happens if they suddenly win the lottery, we blend humor with surprisingly real financial insight. We also dig into the realities of managing money at home: Where couples disagree about finances Where financial values actually align How to teach kids a healthy relationship with money Plus, a hilarious (and relatable) breakdown of "Girl Math" and even "Boy Math" that might sound ridiculous… until you realize you've done it too. Hosted by Hosted by Michelle Ratliff & Christina Roberts Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Michelle Ratliff & Christina Roberts 2:52 - Three Things About Danny Ratliff 4:16 - Three Things About Lance Roberts 7:44 - What If...? 10:33 - If they won the Lottery... 14:21 - Money Alignments & Mis-alignments 17:26 - Things We Didn't Discuss w Our Kids (but should have) 19:32 - Kids & Bills, & Amazon Culture 29:37 - Travails of Buying a Car 31:25 - The Blow-up Dinosaurs 34:07 - Lance's Diet & Sourdough Bread 36:47 - Online Grocery Shopping 39:31 - Girl Math & Boy Math 44:02 - Pet Stories - Gunner & Sniper, Capone & Ruby ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/wTSSjezC_jI ------- Watch our previous show, "Subprime Crisis 2.0? Private Credit Risks Explained," https://youtube.com/live/3vdXmMNXyV0 ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- The latest installment of our new feature, Before the Bell, "Oversold Bounce or Bigger Breakdown?" is here: https://youtu.be/GDORUHxf4dM ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #MoneyAndMarriage #FinancialPlanning #AprilFools #InvestingBasics
A major shift is happening in how younger investors approach the markets—and it may be the most important risk investors are ignoring. From AI-driven investing decisions to social media influencers shaping financial behavior, markets are increasingly influenced by speculation, speed, and hype. At the same time, the rise of options trading, crypto, and leveraged products is blurring the line between investing and gambling. Lance Roberts & Jon Penn break down: Why Gen Z is turning to AI and social media for investment advice The growing influence of financial influencers and crypto platforms The risks behind options trading, 0DTE strategies, and leverage Whether markets are becoming "gamified" and what that means for long-term investors How to separate real investing from speculation Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - End of Quarter & Straits of Hormuz 3:00 - Good News - Bad News About April 7:20 - Markets Set up for Reflexive Rally 12:21 - Two Dads on Money & Eating Late 15:10 - Gen-Z Investing w Social Media Influencers - Who Should You Trust? 17:52 - The Social Media Influence Game 20:38 - A Matter of Trust 22:22 - The Allure of Social Media Influencers 25:15 - Shortened Attention Spans & Hold Times 29:34 - Investing out of Every Paycheck 31:32 - The Restaurant Study 36:16 - Tips on Tipping & Mandatory Table Waiting 40:31 - Will AI Decimate Job Market? ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/kPSqeDcm08k ------- Watch our previous show, "Subprime Crisis 2.0? Private Credit Risks Explained," https://youtube.com/live/3vdXmMNXyV0 ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- The latest installment of our new feature, Before the Bell, "Oversold Bounce or Bigger Breakdown?" is here: https://youtu.be/GDORUHxf4dM ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #SP500 #MarketVolatility #InvestingVsGambling #StockMarket #GenZInvesting #OptionsTrading #CryptoRisk
Markets opened higher Monday but faded into another selloff as end-of-quarter rebalancing continues to drive volatility. With roughly $65 billion in portfolio adjustments underway, much of the recent price action is technical—not fundamental. Oversold conditions are building across the board. Momentum, relative strength, and sentiment all suggest the market is primed for a reflexive rally, with bonds already seeing buying interest and yields easing slightly. But beneath the surface, a bigger issue is emerging. While prices have declined, forward earnings estimates have not adjusted lower. If economic growth slows—especially with elevated energy prices—earnings expectations may need to reset. That could put additional pressure on valuations, even after the recent 8% pullback. The clock is ticking. Markets are testing the 200-day moving average from below, and historically, failure to reclaim that level within a short window increases the risk of a deeper correction. A short-term bounce is likely—but investors should consider using strength near the 6,500–6,600 range to rebalance portfolios and reduce risk. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/GDORUHxf4dM --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #InvestingStrategy #SP500 #MarketVolatility
Lance Roberts breaks down the growing stress in private credit markets, rising default risks, and the recent wave of gated withdrawals across major funds. With comparisons to the 2008 financial crisis gaining traction, investors are asking a critical question: are we facing Subprime Crisis 2.0? We examine what made the 2008 collapse so catastrophic—leverage, derivatives, and systemic contagion—and compare it to today's private credit landscape. While defaults are rising and liquidity concerns are real, the structure of private credit is fundamentally different. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - High Oil Prices are the Cure for High Oil Prices 5:54 - Markets' Extended Losing Streak Setting up for Bounce 12:21 - Private Credit vs Subprime - Gating Defined 21:03 - Estimated Impact of Private Credit on GDP 23:22 - Fiat Currencies in a Death Spiral? 27:17 - Why Foreign Central Banks Hold Dollar Reserves 30:39 - Why Would China Back the Renminbi w Gold? 34:21 - Why Treasury Auctions fo "Soft" 39:27 - With What Would Reserve Currencies be Replaced? 43:07 - The Context of Money & How Economies Work 46:23 - Commentary: Current Market Conditions ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3vdXmMNXyV0 ------- Watch our previous show, "How to Beat the 4 Biggest Retirement Risks," https://youtube.com/live/1V4lwzyKDjg ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- The latest installment of our new feature, Before the Bell, "Sell the Bounce Before the Next Drop," is here: https://youtu.be/68dbmAqKiGM ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketCorrection #InvestingStrategy #EnergyStocks #RiskManagement #PrivateCredit #FinancialCrisis #MarketRisk #Investing #CreditMarkets
Markets are down roughly 7% from their peak and under sustained pressure, with five consecutive weeks of negative returns—an unusually extended stretch that historically signals a near-term inflection point. Oversold conditions, weak momentum, and deeply negative money flows suggest a reflexive bounce is likely in the coming days. But investors should be cautious. This is not the end of the correction cycle. Lance Roberts breaks down why any near-term rally should be used to rebalance risk—not chase upside. With geopolitical catalysts like Iran tensions and oil price volatility acting as potential triggers, a sharp bounce could emerge quickly. However, that strength should be sold into as part of a disciplined portfolio strategy. We also examine the extreme deviation in energy stocks, where valuations—such as Exxon relative to Nvidia—have become stretched. Historically, these moves mean-revert, often sharply. If you're overweight energy, this may be the window to take profits and reduce exposure. Additionally, we discuss seasonal risks tied to midterm election cycles, where Q2 has historically been the weakest period for markets, suggesting further downside risk into the April–June timeframe. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/68dbmAqKiGM --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketCorrection #InvestingStrategy #EnergyStocks #RiskManagement
Most retirement plans focus on savings and returns—but that's not what truly puts retirement at risk. Richard Rosso & Jonathan McCarty break down the four biggest threats retirees face: longevity, inflation, market volatility, and emotional decision-making, and more importantly, how to navigate them. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:18 - Rich's Dreams 2:03 - Dynamic Learning Series 3:02 - Easter Candy Inflation & Post-Covid Behaviors 7:31 - Panoramic Sugar Eggs & Peeps 11:08 - The Emotional Effects of Retirement 15:04 - Sequence of Return Risks 16:08 - Social Security & Longevity 19:16 - Market Volatility is Not Your Friend in Retirement 24:12 - Benefits of Working PT in Retirement 30:14 - Maintaining Standard of Living in Retirement 35:07 - Maintaining a Cash Well: HECM & Policy Loans 36:39 - Emotional Decision-making in Retirement 40:38 - The Retirement Risk Zone 42:29 - Handle Larger Expenditures & Debt Before Retirement 46:10 - Life in the "Fat Years" 47:13 - Chuck Norris & Quality of Life in Retirement ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/1V4lwzyKDjg ------- Watch our previous show, "Will AI Trigger the Next Great Depression?" https://youtube.com/live/l6FM6v7SWTI ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- The latest installment of our new feature, Before the Bell, "MMarkets Breakdown or Bounce?" is here: https://youtu.be/PM1R1i-J384 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementRisks #FinancialPlanning #WealthManagement #Investing
Will artificial intelligence spark the next economic boom—or trigger a crisis rivaling the Great Depression? A growing debate on Wall Street is emerging after research scenarios like the "Global Intelligence Crisis" raised concerns about a potential AI-driven economic shock. The core question is simple but critical: Will AI create unprecedented productivity and prosperity, or will it displace jobs faster than the economy can adapt? Lance Roberts & Michael Lebowitz break down both sides. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Why Risk Management is More Important Now than Ever 5:45 - Economic Data Showing Improvement 7:25 - Markets Continue to Challenge 200-DMA 11:13 - Portfolio Risk Sizing 14:35 - What is Beta? 18:49 - Why Investors Underperform Markets 20:21 - All We Really Have is a Rear View Mirror 22:03 - The Information Over-load Trap 23:48 - How to Take Risk Off the Table 26:41 - When the War in Iran Ends 28:39 - Will AI Trigger the Next Depression? 32:16 - The Global Intelligence Crisis 34:53 - The Rate at Which the Economic can Adapt to Change 37:15 - The Walmart Expansion Story 39:49 - How Fast & How Destructive 41:31 - What New Industry Did Not Exist pre-2005? 43:47 - Be Careful with Narratives ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/l6FM6v7SWTI ------- Watch our previous show, "Q&A Wednesday: Markets, Money & Your Questions Answered " https://youtube.com/live/ZNcU4j7XBPE ------- Articles Mentioned in Today's Show: "Will AI Trigger The Next Great Depression?" https://realinvestmentadvice.com/resources/blog/will-ai-trigger-the-next-great-depression/ -------- The latest installment of our new feature, Before the Bell, "MMarkets Breakdown or Bounce?" is here: https://youtu.be/PM1R1i-J384 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #TechnicalAnalysis #SP500 #MarketOutlook #TradingStrategy #ArtificialIntelligence #StockMarket #EconomicOutlook #AIImpact #RecessionRisk
Markets are testing the 200-DMA from below, a key resistance level. Failure to break above could increase downside pressure, but end-of-quarter rebalancing (~$62B in buying) may provide near-term support. Momentum is oversold, with relative strength starting to improve. A confirmed buy signal and positive divergence could drive a move toward 6,700, with resistance at the 20-DMA. Stay patient—markets can remain oversold, but improving technicals suggest potential for a recovery into early summer. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/PM1R1i-J384 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #TechnicalAnalysis #SP500 #MarketOutlook #TradingStrategy
Lance Roberts & Danny Ratliff answer your biggest questions about the markets, investing, and personal finance in today's rapidly changing economic environment. From stock market volatility and interest rates to long-term investing strategies and risk management, nothing is off limits. Whether you're a beginner or an experienced investor, this session is built around what you want to know right now. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:13 - Market Performance w War in Iran 3:49 - Private Credit Firms Gating Investors 6:47 - Over Sold Markets Setting Up for Reflexive Rally 9:18 - Energy Stocks Due for Correction 13:00 - What Should Investors Do Now? (Wait.) 15:39 - How to Invest $500k 19:53 - What's the Max % to Place in a Position? 25:39 - Non-U.S. Stocks in Portfolios? (No) 27:06 - Selling Long-duration Treasuries 30:22 - All About Target Date Funds 35:18 - Long Term Care, Insurance, & Annuities 38:03 - Why Technicals are Important: Buying Dell 41:56 - Insider Trading? 42:54 - How to Adjust Risk Management 44:16 - Don't Let Taxes Drive Investment Strategy ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZNcU4j7XBPE ------- Watch our previous show, "Asset Allocation, Benchmarks, and High-Yield Debt Traps" https://youtube.com/live/rkNXUn87QUc?feature=share ------- Articles Mentioned in Today's Show: "The 200-DMA Just Broke: What Every Investor Should Know" https://realinvestmentadvice.com/resources/blog/the-200-dma-just-broke-what-every-investor-should-know/ "The Dollar's Plumbing: Conspiracy Vs. Data" https://realinvestmentadvice.com/resources/blog/the-dollars-plumbing-conspiracy-vs-data/ "CDX: Credit Spreads Are Flashing A Warning" https://realinvestmentadvice.com/resources/blog/cdx-credit-spreads-are-flashing-a-warning/ -------- The latest installment of our new feature, Before the Bell, "Markets Poised for Oversold Bounce," is here: https://youtu.be/WzVA3AY7a9w?si=ss_7ulgoGhZ7e1ZR ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Premarket #Trading #OilPrices #Investing #Investing #StockMarket #MoneyTalk #FinancialFreedom #MarketNews
Markets enter the pre-market deeply oversold, with sentiment turning increasingly negative—conditions that often lead to a short-term reflex rally. Investors are looking for a catalyst, and even minor geopolitical headlines could spark buying pressure. Key technical levels are in focus today, including the 200-day moving average and a major resistance zone between 6,700 and 6,800, where the 20-, 50-, and 100-day moving averages converge. This area is packed with trapped longs and heavy volume, suggesting any rally into this range could face selling pressure. Volume has been declining, pointing to a short-term washout that supports a bounce scenario—but not necessarily a sustained breakout. Strength into resistance should be used to rebalance risk rather than chase upside. In commodities, WTI crude is set to open sharply lower after its recent spike. Any easing in Iran-related tensions could push oil prices back toward the mid-$70s, creating downside pressure for energy stocks that are currently stretched relative to earnings. Stay focused on key levels and disciplined with risk—this setup offers opportunity, but also the potential for a failed rally. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/WzVA3AY7a9w?si=ss_7ulgoGhZ7e1ZR --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Premarket #Trading #OilPrices #Investing
Lance Roberts and Jon Penn tackle the most pressing portfolio questions investors and retirees are asking right now: Challenge the assumption that older investors should automatically shift to ultra-conservative allocations Whether every account in a multi-account household needs the same investment strategy why Roth IRAs may warrant a more aggressive growth posture How much weight each equity position should carry, and how many stocks is too many Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:13 - Market Follow-up: What We Did 4:24 - Geopolitical Concerns Taint Earnings Estimates 6:54 - Market Performance Summary 10:54 - Concerns Over Iran, Oil, & Market Performance 13:14 - Confusion About Portfolio Positioning Now 15:13 - Three Legs of a Stable Portfolio 18:25 - In Times of Heightened Uncertainty... 22:01 - Do Not Speculate in Your Roth IRA 25:53 - How Many Stocks in a Portfolio? 30:08 - SMA's vs Tracking the S&P 31:50 - Missing 10-Best Days vs 10-Worst Days 34:47 - Why You Cannot Beat the Benchmark Index 36:34 - Looking at Portfolio Performance 40:05 - Separating Emotion from Reality 42:26 - Beware "Variable Preferred" 47:38 - Risk is How Much Money You Lose... ------ Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rkNXUn87QUc?feature=share ------- Watch our previous show, "200-DMA Broken – Bear Market or Buy Signal?" https://youtube.com/live/VlxdVnhyKR4?feature=share ------- Articles Mentioned in Today's Show: "The 200-DMA Just Broke: What Every Investor Should Know" https://realinvestmentadvice.com/resources/blog/the-200-dma-just-broke-what-every-investor-should-know/ "The Dollar's Plumbing: Conspiracy Vs. Data" https://realinvestmentadvice.com/resources/blog/the-dollars-plumbing-conspiracy-vs-data/ "CDX: Credit Spreads Are Flashing A Warning" https://realinvestmentadvice.com/resources/blog/cdx-credit-spreads-are-flashing-a-warning/ -------- The latest installment of our new feature, Before the Bell, "Markets Stall - Why We're Raising Cash is here: https://youtu.be/EPniBHKjggQ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #200DMA #MarketAnalysis #TechnicalAnalysis
Markets opened Monday above the 200-day moving average but failed to hold — and that failure matters. We break down why we're reducing market exposure by raising cash, what the cluster of trapped longs means for any rally attempt, and why the 20-, 50-, and 100-DMA are all stacking up as overhead resistance. This is not a crash call. It is a disciplined risk management move while the market works through a technically compromised structure. Until price reclaims the 200-DMA on a sustained basis, we are advising caution. Watch to understand the full picture before the opening bell. Key topics covered: 200-DMA breakdown and what it signals, resistance from trapped long positions, the 20-DMA sitting well below the 50- and 100-DMA, the 50-DMA beginning to roll over, and why rallies face selling pressure in the current environment. Stay informed, stay disciplined, and manage risk first. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EPniBHKjggQ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #200DMA #MarketAnalysis #TechnicalAnalysis
The S&P 500 just broke its 200-day moving average. Is this a bear market signal or a historic buying opportunity? The answer depends on a clear set of warning indicators – and right now, only two of six are flashing red. Lance Roberts comments in real-time as news of a delay in miliary strikes on Iran power stations affects pre-market action. Lance also breaks down every 200-DMA break since 2000, separating the seven sustained crashes from the five whipsaw recoveries. The data gap is stark: average 12-month return after a sustained break is -4.0%, versus +19.8% after a brief one. We walk through the six-factor scorecard and tell you exactly where today's break stands. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:14 - Market Volatility & End of Quarter 4:20 - Claude.AI & Tokens 6:42 - Houston Meteor 7:25 - Markets Break 200-DMA 13:54 - How Markets Work with Catalysts 18:50 - When markets Break the 200-DMA 25:13 - Paying Attention to Sentiment 27:26 - How to Differentiate between Brief vs Sustained Breaks 31:08 - What to do Next 34:18 - Why CDX Spreads Matter 39:44 - Dollar Plumbing, Gold, & Central Banks ------- Register for our next Dynamic Learning Series, "Beyond Filing: Turning Your Tax Return into a Strategic Financial Plan," Thursday, April 2, at 12-noon: https://streamyard.com/watch/j9BYjeW2teTJ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/VlxdVnhyKR4?feature=share ------- Watch our previous show, "Tax Strategies That Actually Save You Money," https://youtube.com/live/IvotNMC_fgk ------- Articles Mentioned in Today's Show: "The 200-DMA Just Broke: What Every Investor Should Know" https://realinvestmentadvice.com/resources/blog/the-200-dma-just-broke-what-every-investor-should-know/ "The Dollar's Plumbing: Conspiracy Vs. Data" https://realinvestmentadvice.com/resources/blog/the-dollars-plumbing-conspiracy-vs-data/ "CDX: Credit Spreads Are Flashing A Warning" https://realinvestmentadvice.com/resources/blog/cdx-credit-spreads-are-flashing-a-warning/ -------- The latest installment of our new feature, Before the Bell, "Trump-Iran News Reverses Futures" is here: https://youtu.be/9qem93AR4jI ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #200DMA #MarketAnalysis #TradingAlerts #SP500 #StockMarket #InvestingStrategy #BearMarket #TechnicalAnalysis
Markets confirmed a break below the 200-Day Moving Average on Friday — amplified by Options Expiration Day selling. Then a single headline changed everything. During this live pre-market update, news broke that President Trump was postponing military strikes on Iranian power plants — instantly reversing market futures and setting up a significant bounce at the open. This is exactly why knee-jerk reactions can destroy your trading account. One headline. One move. Markets potentially back above the 200-DMA. Stay disciplined. Stay informed. Watch before the open. Subscribe for daily pre-market analysis, technical breakdowns, and real-time market updates designed for serious investors and active traders. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/9qem93AR4jI --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #200DMA #MarketAnalysis #TradingAlerts
Most people think about taxes once a year. Smart investors think about them every year. Richard Rosso & Sarah Buenger break down the critical difference between tax preparation and true tax planning, and why that distinction could be worth thousands of dollars to your portfolio over time. We'll walk through real-world anonymous case studies from our client work, including how we helped one client sell nearly half of a concentrated stock position while staying entirely within the 0% capital gains bracket. We also cover Roth conversion timing, IRMAA bracket management, tax-efficient withdrawal sequencing, portfolio migration strategies, and proactive planning for stock options and restricted stock. Whether you are accumulating wealth or drawing it down, understanding how these levers work together is what separates a good financial plan from a great one. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Gilligan's Island & Taxes 2:27 - Market Commentary & Sentiment Survey 3:11 - The Fine Line Between Tax Prep vs Tax Planning 8:35 - Impact of OBBB & Rothification 10:17 - Avoid Tax Myopia 12:07 - Dealing with the Tax Torpedo 12:31 - Being Tax Flexible 14:11 - Your Tax Return is a Diagnostic Tool 17:16 - Widowed Survivors Paying Higher Taxes - Taxes are Barnacles 20:13 - The Tax System is Broken 23:07 - Stock Concentrations & Long Term Gains 25:13 - Trust Distributions & Capital Gains 26:40 Tax Brackets for Trusts 28:01 - Myriad Capital Gains Tax Rates 34:06 - Becoming IRMAA-centric 36:46 - Asset Location Strategies for Taxes 38:38 - The Mistake of "Silo-ing" Tax Advisors and Financial Advisors 41:15 - Why Avoid Gains to Avoid Taxes?? 42:58 - Why Not Take Losses Each Year? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IvotNMC_fgk ------- Watch our previous show, "Will The Fed Backstop Exuberance Again?," https://youtube.com/live/IbKkqWayKu8 ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Markets Flail as Rate Cut Hopes Fail" is here: https://youtu.be/IOumOUnLKpM ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TaxPlanning #WealthManagement #RetirementStrategy #CapitalGains #RothConversion
The private credit market has exploded from under $500 billion a decade ago to $1.2 trillion domestically and $1.7 trillion globally — and stress is building fast. Lance Roberts & Michael Lebowitz break down exactly what private credit is, who the major players are, and why rising credit stress could force the Federal Reserve's hand — even if inflation and unemployment don't justify it. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:02 - Cash & Girl Scout Cookies 2:40 - Meta is No More 5:30 - Markets Sell Off 12:05 - Credit Spreads Matter 12:57 - No Surprises from the Fed - They're Stuck 16:31 - The Problem with High Oil Prices 17:56 - The Fed Controls Demand 20:44 - Private Credit & The Problem w Buy-now, Pay-later 22:53 - 20-years Since Financial Crisis 24:00 - Paying Premium for Private Credit Illiquidity 26:58 - The Private Credit Bubble 29:13 - Pricing vs Valuation 34:58 - Doom & Gloom Everywhere - be careful what you read 36:17 - Contagion Risk 38:50 - Markets Are in Correction Process ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/IbKkqWayKu8 ------- Watch our previous show, "Q&A Wednesday: Open Season," https://youtube.com/live/Le3ZhnFfTqk ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Markets Flail as Rate Cut Hopes Fail" is here: https://youtu.be/IOumOUnLKpM ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy #PrivateCredit #FederalReserve #CreditMarkets #MacroInvesting #FinancialStability
Hot inflation data sent markets lower Wednesday, killing expectations for Federal Reserve rate cuts in 2024 and leaving the Fed firmly on hold. Now markets are testing the critical 200-day moving average (200-DMA) — a level that has provided support for 214 consecutive days. Before you make any moves, here is what you need to know: Markets have worked off a significant portion of their overbought condition, but are not yet in oversold territory. A break of the 200-DMA alone is NOT a sell signal. Watch for a failed rally back to the 200-DMA — that is your true warning. We are in a correction, not a collapse. Corrections happen every year. Markets recover. Begin identifying capital to deploy when the real opportunity presents itself — we are not there yet. Oil prices remain near $100 but price momentum is starting to weaken. Volatility is rising and deserves close attention given the Fed's posture and ongoing inflation pressure. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/IOumOUnLKpM --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy
Lance Roberts & Danny Ratliff break down the most pressing financial topics shaping markets and personal finance decisions right now. We open with an analysis of current selling pressure and what it signals for equity markets, then dive deep into why credit spreads deserve your attention as a leading indicator of risk. We make the case for why waiting for S&P 6,900 could cost you opportunity, and offer a teaser on the growing private credit space. From there, we tackle real estate investment trusts and AG&C — examining whether current valuations finally make them worth buying. We discuss disciplined profit-taking strategies, the relationship between oil prices and airline ticket costs, and identify which companies are most likely to mishandle AI implementation and what that means for investors. On the retirement and income planning side, we cover home equity conversion mortgages and reverse mortgages, annuities with long-term care riders, and whether private equity offerings inside 401(k) plans make sense for individual investors. We also examine target date funds and how they fit into a broader retirement strategy. We round out the episode with a discussion of GDP calculation methodology, asset tokenization and stablecoins, hedging techniques for isolating individual stock exposure, and key lessons from William Bernstein's philosophy on knowing when to stop taking risk. We close with a framework for balancing active versus passive investing, risk management principles, and a look at the three high-quality stocks Charlie Munger consistently championed. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Selling Pressure Remains 2:57 - Pay Attention to Credit Spreads 5:21 - Don't Wait for 6,900 11:46 - Private Credit Teaser 13:07 - Thoughts on REIT's & AG&C: Is it Time to Buy? 15:12 - What is Your Method for Taking Profits? 19:15 - The Price of Oil & Airline Tickets 22:49 - Which Companies Will Screw Up AI Implementation? 26:42 - Home Equity Conversions - Reverse Mortgages 29:59 - Annuities w LTC Riders 31:29 - How is GDP Calculated? 32:40 - Asset Tokenization & StableCoin 34:36 - Isolating Stocks by Hedging 35:35 - William Bernstein - Quit Playing 38:52 - Active vs Passive Investing & Risk Management 42:42 - Charlie Munger's 3 High-quality Stocks 46:28 - Are Target Date Funds a Good Option? 47:17 - Private Equity Offerings in 401k? ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: ------- Watch our previous show, "Fixing Your Broken Emergency Fund," https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Articles Mentioned in Today's Show: "Private Credit Stress: Will The Fed Backstop Exuberance Again?" https://realinvestmentadvice.com/resources/blog/private-credit-stress-will-the-fed-backstop-excuberance-again/ "USD Stable Coins And The Rebasement Of The US Dollar" https://realinvestmentadvice.com/resources/blog/usd-stable-coins-and-the-rebasement-of-the-us-dollar/ -------- The latest installment of our new feature, Before the Bell, "Rebalance Now Before the Rally Fades" is here: https://youtu.be/yAmYkDUWWW4 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy #InvestingStrategy #RetirementPlanning #MarketOutlook #PersonalFinance #WealthManagement
Markets are pointing toward 6,800 this morning as momentum and relative strength improve. The reflexive rally we called last week is taking shape — and that creates a rebalancing opportunity, not a reason to chase. Don't wait for 6,900. Pick the neighborhood, not the house. Use the resistance zone around 6,800–6,900 as your selling area. Peak-to-trough has been roughly 5%; if your portfolio dropped more than that, you're carrying too much risk. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/yAmYkDUWWW4 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy
Is your financial plan built to survive a market crash — or a $5,000 emergency? Lance Roberts & Jon Penn break down what retirees and younger workers both need to know about protecting their money when the economy sends mixed signals. Whether you're protecting a nest egg or just starting to build one, this episode gives you a practical framework for financial resilience — no matter what the market does next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:58 - Q4 GDP Weaker Than Expected: Implications 5:38 - Markets Bounce off 200-DMA 11:04 - Achieving Financial Independence - How You Know You've Made It 14:46 - Retirement Accounts' Intended Use vs New Rules 17:37 - 401k Plan Access vs Participation 20:39 - The High Cost of Eating Out 22:41 - Comparative High Costs of Hamburgers 24:26 - Market Moves - Price of Admission 26:15 - Creating Financial Cushions & Structuring Savings 30:21 - T-Bills & Bonds in the Savings Mix 34:10 - Volatility is Not Your Friend in Emergency Accounts 36:04 - Rice & Beans to Get Rid of Debt 37:58 - Channeling Dave Ramsey 42:00 - The Process of Getting Out of Debt 45:05 - Getting Fee'd to Death 48:27 - E-Book Tease - Ten Laws of Wealth & Money ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3x6MbhEYpcU?feature=share ------- Watch our previous show, "Oil Shock - Markets Reprice Risk," https://youtube.com/live/pU0TuFA1CWE ------- Articles Mentioned in Today's Show: "Treasury Bond Yields Don't Lie: But Wars Don't Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ "Financial Nihilism & The Trap Young Investors Are Walking Into" https://realinvestmentadvice.com/resources/blog/financial-nihilism-the-trap-young-investors-are-walking-into/ -------- The latest installment of our new feature, Before the Bell, "Market Bounces Off 200-DMA — Rally or Trap?" is here: https://youtu.be/9wZsz-bOiUY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy #PersonalFinance #RetirementPlanning #401k #EmergencyFund #FinancialResilience #DaveRamsey #FinancialNihilism
Markets Bounce Off 200-DMA — Is a Rally Building or Is This a Bull Trap? Markets tested the critical 200-Day Moving Average and bounced — but is this a real recovery or a relief rally? In today's pre-market breakdown, we cover what the charts and sentiment data are telling us right now before the opening bell. In This Video: Why record ETF short levels signal maximum market pessimism What buying volume at key price levels reveals about institutional behavior Why we're still saying: use any rally to reduce risk Oversold momentum and RSI conditions building a rally setup Why oil prices and Middle East conflict cap the upside Looming downside risks heading into Summer and the mid-term elections Bottom Line: Oversold conditions create rally potential — but this is not a moon-shot setup. Smart money is watching resistance closely. Stay ahead of the market every morning — subscribe for daily pre-market analysis and hit the notification bell so you never miss an update. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/9wZsz-bOiUY --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketAnalysis #200DMA #MarketOutlook #TradingStrategy
Oil volatility is shaking global markets after disruptions in the Strait of Hormuz triggered the largest modern oil supply shock. Crude briefly surged above $100 as geopolitical tensions escalated, sending volatility across equities, credit, and currencies. Lance Roberts discusses oil volatility, market technicals, private credit stress, and the key risks investors should be watching next. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:59 - Weekend Article Recap; Q4 GDP Revision 5:11 - Market Performance in First Half of March 8:43 - Oil Price Behaviors 12:18 - Lance's Getaway Report & Adulting is Hard 14:55 - Grooming Jon Penn & Lance's Big Surprise 16:36 - Oil Volatility & Market Impact 20:25 - Oil Volatility & Equity Volatility 23:36 -What is Sustainability of High Oil Prices? 27:24 - Three Market Scenarios 29:06 - What Happens to Valuations? 30:55 - Rick to Markets Ends w Buying Opportunity 35:12 - What War Does to Treasury Yields 40:10 - A History of Bond Yields, 1965 - 2026 43:45 - How to Think About Bonds ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/pU0TuFA1CWE ------- Watch our previous show, "The Psychology of Spending in Retirement," https://youtube.com/live/0J1dQZvIQrQ ------- Articles Mentioned in Today's Show: "Oil Volatility And The Market Impact" https://realinvestmentadvice.com/resources/blog/crude-oil-volatility-and-the-market-impact/ "Treasury Bond Yields Don't Lie: But Wars Don't Drive Them" https://realinvestmentadvice.com/resources/blog/treasury-yields-dont-lie-but-wars-dont-drive-them/ -------- The latest installment of our new feature, Before the Bell, "Oil Spike, Oversold Markets, & The 200-DMA Test," is here: https://youtu.be/5fEaWyoafks ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #OilPrices #StockMarket #MarketVolatility #FederalReserve #Investing #SP500 #MarketOutlook #InvestingStrategy #BondYield #IranWar
Markets are testing the 200-day moving average during a historically weak period in March. After failing at resistance, stocks are now technically oversold, which often leads to short-term reflex rallies. Rising geopolitical tensions with Iran pushed oil sharply higher, but futures markets suggest the spike may be temporary. If markets bounce, trapped investors near recent highs could sell into strength, keeping a lid on rallies. If a reflex rally develops, it may be an opportunity to rebalance portfolio risk, particularly in energy positions that have benefited from the recent oil surge. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/5fEaWyoafks --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #OilPrices #SP500 #MarketOutlook #InvestingStrategy
Retirement income planning isn't just about withdrawal rates, portfolio construction, or tax strategies. For many retirees, the hardest part of retirement is psychological, not mathematical. Richard Rosso & Jonathan McCarty explore the psychology behind retirement spending decisions, including why retirees frequently leave large amounts of wealth unused and how behavioral finance shapes income planning. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Turmoil in Markets & The Math of Retirement 6:28 - Retirees Chronically Under-spend 9:42 - Longevity Risk & LTC 11:21 - Looking at Guardrails & Switching Lanes in Retirement 14:20 - Not much is working - doing mental accounting 17:24 - Legacy vs Consumption conflict 20:20 - Healthcare Uncertainty & Insurance 24:17 - Candid Coffee Preview 29:15 - Tax Strategies for Retirement 32:29 - Accumulation vs De-cumulation planning 34:21 - What Will You Do IN Retirement 38:45 - What % of Working-Age Income is Used in Retirement 43:05 - Johnny Cash in Nickajack Cave ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/0J1dQZvIQrQ ------- Watch our previous show, "The "Value Rotation" Illusion," https://youtube.com/live/jW9UWP7WdZY?feature=share ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RetirementIncome #BehavioralFinance #FinancialPlanning #InvestorPsychology
The market narrative says investors are rotating out of expensive growth stocks and into cheaper value stocks. But is that actually happening? Jon Penn and Michael Lebowitz explain how today's passive investing landscape can distort traditional definitions of value and growth. ETF flows and index-driven allocations often send capital into the largest and most popular companies, regardless of valuation. Using our three-tier valuation framework—past earnings, forward earnings, and growth-adjusted valuations—we show how investors can better separate stocks that simply look cheap from those that may represent genuine value. We also discuss why traditional screens like low P/E ratios can lead investors into value traps, and how market narratives, psychology, and passive flows can create large valuation gaps across sectors and companies. Understanding the difference between perceived value and true value is critical in today's market environment. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Before the Bell - Markets Making Lower Highs and Lower Lows 2:56 - Dealing with Trapped Longs 5:32 - Negative Divergences Send Warnings 7:35 - Our Strategies Now 11:26 - The Price of Oil & U.S. Dollar 13:52 - Impact of Dollar on Gold, Silver, Precious Metals 17:41 - The Momentum Chase 18:25 - $200 Crude & Futures Markets 22:15 - Crude Oil & Gasoline Futures curves 25:24 - CPI vs Core CPI & The Fed 30:32 - Jerome Powell, Kevin Warsh, & Fed Stance 33:22 - The Value Rotation Illusion 35:51 - What is Value? 38:55 - How Airlines Really Make Money 41:40 - Market Commentary & Blog posting ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jW9UWP7WdZY ------- Watch our previous show, "Q&A Day: Technical Breakdown in the S&P 500: What Comes Next?" here: https://youtube.com/live/B2diF0UUrjs ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #ValueInvesting #StockMarket #PassiveInvesting #MarketAnalysis #InvestorEducation
Jon Penn & Devoda Owens cover key financial planning and market topics affecting investors and retirees, beginning with market commentary on the Iran campaign and geopolitical risk, and what it could mean for energy prices, inflation expectations, and market volatility. Jon & Devoda also discuss Social Security depletion projections, how investors should think about benchmarking portfolios, and the key considerations around when to claim Social Security benefits. Additional planning topics include estate planning when remarrying, insurance and long-term care strategies, preparing for healthcare inflation, and the role of life insurance and umbrella coverage in protecting assets. We examine the recent value rotation narrative in markets and preview the upcoming CPI report and its potential implications for inflation and interest rates. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Introducing Devoda Owens, CFP 4:55 - Market Commentary - Iran Campaign 8:42 - Social Security Depletion & Comparing Benchmarks 14:08 - When to Take SS? 19:53 - Estate Planning and Re-marriage 27:56 - Value Rotation Illusion 31:13 - Insurance Planning & Long Term Care 37:48 - Planning for Healthcare Inflation 41:57 - Life Insurance & Umbrella Coverage 46:17 - CPI Preview ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/B2diF0UUrjs ------- Watch our previous show, "The Benefits Talk Every Business Owner Needs," here: https://youtube.com/live/p6Fp1bhtsDE ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ "True Value: Looking Through The Value Rotation Illusion" https://realinvestmentadvice.com/resources/blog/true-value-looking-through-the-value-rotation-illusion/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #SocialSecurity #RetirementPlanning #MarketOutlook #InvestmentStrategy
Consider this the money talk your Dad would have given you if he knew everything about running a business. Jon Penn and Tom Allen provide straight-talking advice, walking you through exactly how to build a benefits and retirement strategy that works for you AND your employees. No jargon. No sales pitch. Just the kind of honest, experienced advice two dads would give their own kids sitting across the kitchen table. Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Retirement Plan Consultant, Tom Allen Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:21 - Two Dads & Tom's Kids 2:27 - Market Commentary - Technical Deterioration 12:14 - What to Do in Times Like These 17:00 - Benefits Planning for Business Owners 21:24 - What is the long-term vs near-term vision? 25:27 - Retirement Plan Structure 28:17 - Starting Things Off... 31:06 - How to Fix/Correct Mistakes 34:13 - Educating About Retirement Plans 38:00 - Common Employee Questions & Portability 39:03 - Compensation for Key Employees 41:16 - Dealing with 12% Healthcare Inflation 42:43 - Defining BUCA ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw ------- Articles Mentioned in Today's Show: "Technical Deterioration: Risk Management Is Key" https://realinvestmentadvice.com/resources/blog/technical-deterioration-an-analysis-of-the-markets-next-move/ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TwoDadsOnMoney #BusinessOwnerFinance #RetirementPlanning #EmployeeBenefits #SmallBusinessWealth
Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer
Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement
Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle
Markets clawed back above the 100-Day Moving Average — but don't celebrate just yet. In today's pre-market update, we break down what this recovery means, why we're still on a sell signal, and what it will take for bulls to truly regain control. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/MntZ-KayzxA --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals
Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - Iran Air Force & War Impact on Oil 5:21 - This is a Good Time to Wait and See 10:51 - Two Moms on Money? 11:44 - Where will DXY g\o amid current conflict? 13:03 - Managing Risk in Chinese Tech Stocks 17:58 - Relative Risks of AAA-rated CLO's 20:54 - "Dumbing-down" the Private Credit Crisis 30:56 - Lasting Impacts on Commercial Real Estate 33:24 - Why the Downturn in Asian Markets? 34:27 - Financial Health of Open AI & Circular Financing 36:35 - Equity Income/Tax-advantaged ETF's 40:59 - Systematic Trading, Trend Following, & Tax Efficiencies 43:09 - Plunge Protection Team = Retail Traders 44:35 - Coming Attractions ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/uFdhcR6QBKI ------- Watch our previous show, "Ten Immutable Laws of Money," here: https://youtube.com/live/Il8UfCCn0tE?feature=share -------- The latest installment of our new feature, Before the Bell, "D100-DMA: Hold or Fold? What Happens Today Changes Everything," is here: https://youtu.be/c7jD-q6_mY8 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook #StockMarket #InvestingTips #MarketOutlook #StockMarketToday #InvestSmart
The 100-day moving average has been the market's most critical support level since April 2025 — and this week, it's being tested again. After Monday's selloff on Middle East military escalation news, markets broke below the 100-DMA before quickly recovering above the 50- and 20-DMA. Tuesday opened ~2% below that key level, but buyers stepped in and pushed markets right back up to close AT the 100-DMA. Here's what most investors get wrong: when markets break a moving average, algorithmic trading programs and HFT systems are ALL watching the same level — and many are programmed to SELL at the 100-DMA. That's exactly what played out Tuesday. Don't panic-sell into that action. What to watch TODAY: ✅ If markets RECLAIM the 100-DMA → potential to re-enter the prior range ❌ If markets FAIL at the 100-DMA and turn lower → confirmed sell signal; time to reduce exposure and rebalance risk The bottom line: Don't make a move before today's close. Let the market tell you what it wants to do. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/c7jD-q6_mY8 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook
Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial success. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:04 - What Else is Going On Besides Iran? 10:11 - VIX is Rising as Markets Fall 14:38 - Spring Break & Adulting 15:23 - The Laws of Money 18:28 - Hard to Break Habits 19:46 - The Secret to Wealth 22:00 - Why We Invest 23:14 - Money Doesn't Grow on Trees 28:39 - Wants vs Needs 31:27 - Your life is Worth 80% 35:30 - Poor People are Debtors (You DO NOT need a Credit Card) 40:50 - Moral & Physical Hazards 43:15 - The Best Things in Life ARE Free 46:49 - Money Can't Buy Happiness... 53:22 - The Thing About Girl Scout Cookies ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Il8UfCCn0tE?feature=share ------- Watch our previous show, "Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore," here: https://youtube.com/live/m3M6saceH5g?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Surges, Markets Fall" is here: https://youtu.be/5Z7fb273clY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketVolatility #DollarRally #TradingStrategy #PersonalFinance #WealthBuilding #MoneyTips #DebtFreeJourney #FinancialFreedom
Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear case in full. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:05 - Market Over Reaction to Iran Hits? 6:54 - The Potential for Building a Market Topping 13:27 - Impact of Oil Prices on Inflation 18:11 - The Energy Stocks Heat Map 20:40 - The Iran Situation 23:03 - Gauging the Risk 24:56 - The Bearish Scenario 29:23 - The Bullish Scenario 37:04 - What We're Doing Now 39:08 - Be Cautious With Positioning 42:12 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3M6saceH5g?feature=share ------- Watch our previous show, "Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets" here: https://youtube.com/live/dO3QPhf0rEs?feature=share -------- The latest installment of our new feature, Before the Bell, "Will Markets Hold 100-DMA?" is here: https://youtu.be/h0iV2DpbEq4 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket #StockMarket2026 #MarketTop #SP500Analysis #IranGeopolitics #AIStocks
Markets are at a critical level — here's what to watch before the open. The S&P is sitting on 100-day moving average support after three weeks of testing, and futures point to a ~1% gap down at the open. The key question: do markets close below the 100-DMA and confirm a topping process — or do bulls recover into the close? In this pre-market breakdown: 📉 100-DMA support test & topping pattern risk 📊 RSI declining + weakening momentum signals 💵 US Dollar strengthening amid global risk-off 🛢️ Crude oil spiking — what it means for inflation & yields 📈 Bonds overbought — is now the time to take profits? Yields are elevated and overbought. If oil prices feed into inflation, we could see yields push toward 4–4.1%, which may offer a better bond re-entry point on a reversal. Oil itself is overextended from long-term means — sustainability at these levels will be a challenge. ⚠️ This video is for informational and educational purposes only. Not financial advice. 🔔 Subscribe & hit the bell for daily pre-market analysis. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/h0iV2DpbEq4 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket
Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits
Is AI killing software stocks — or creating the buying opportunity of the decade? Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:49 - National Chili Day & Demise of Whataburger 3:04 - Nvidia & SalesForce Report 7:25 - Markets Are "Stable" 12:17 - Blizzards & Chili 13:21 - The Incredible Nvidia Numbers 15:37 - The Lack of Market Reaction to Nvidia Report 17:02 - Where Will the Capital Come From? 23:22 - Why the Market Isn't Enthusiastic (about Nvidia) 24:30 - SalesForce & The Software Apocalypse 30:15 - Who Will Survive? 33:13 - Will AI Create a New Spreadsheet 36:19 - Tariffs: Old vs New: Markets Are Calm 40:49 - Betting on Tariff Refunds? ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6DavZVDY7OQ ------- Articles Mentioned in Today's Show: "Software Stocks: Navigating The SaaSpocalypse" https://realinvestmentadvice.com/resources/blog/software-stocks-navigating-the-saaspocalypse/ ------- Watch our previous show, "Q & A Wednesday: Straight Talk About Your Money" here: https://youtube.com/live/oW7OkyOvYC4 -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything
Markets just triggered a momentum BUY SIGNAL — here's what you need to know before the open. On Wednesday, the S&P 500 cleared both the 20-day and 50-day moving averages, reaffirming market stability after days of choppy price action below key technical levels. Sector rotation is driving the move — money is flowing OUT of Energy and Staples and INTO Technology and Growth. But the broader picture still shows a consolidation range with a topping process underway. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/tM0dk2oR0N4 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #SectorRotation #SP500 #MomentumTrading
Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything
Markets are carving a rolling top while holding firm support near the 100-DMA. The last week-plus has been choppy, with price repeatedly capped below the 20- and 50-DMAs. Tuesday's dip to the 100-DMA brought in buyers, pushing the market back toward the 50-DMA, and futures are higher this morning. If the market can close up around 0.25%, it could reclaim near-term resistance and set up a move back toward prior highs. But this remains a fickle, range-bound tape—so keep risk management tight. A clean break below the 100-DMA raises the odds of a quick 3%–5% downside move. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/tiE6S1qaBn0 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement
Most investors don't realize how quickly a good plan can get derailed by one bad question: "What will your investments return this year?" Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with "Can you beat Treasuries this year?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - E-books & Economic Data 2:53 - Will AI Lead to Next Period of Financial Instability? 5:33 - Market Fails at 20- 50-DMA 11:10 - Chasing Returns in 2026 12:31 - Index's Substitution Effect 16:39 - What About the Flat Market? 19:20 - Where Returns Come From... 23:07 - Generating 6% Return w Bonds Only? 27:38 - Making Money vs Keeping It 29:05 - Money is Emotional 30:43 - What Do You Do w Your $1Million? 34:17 - Markets Have Been Easy 35:46 - Markets' Extreme Deviations 40:50 - Mistakes In Chasing Benchmarks 43:24 - Why Root for Economic Failure? 45:22 - Set a Goal & Manage Risk ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iN9Pv2Thvbo ------- Watch our previous show, "Is China Really Dumping U.S. Treasuries?," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test: 5% Pullback Risk Rising," is here: https://youtu.be/FfqIQklIxcc ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #RiskManagement #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection
On this day in 1836, the defenders of the Alamo were entering the second day of a siege that would ultimately define Texas history. Surrounded, outnumbered, and under pressure, they faced a critical reality: hold the line—or face the consequences. Markets aren't all that different right now. After failing at the 20- and 50-day moving averages, the S&P is once again leaning on a key level of support—the 100-day. That's your line in the sand. Momentum is weakening, internal breadth is deteriorating, and while the surface looks calm, the underlying currents are shifting. The question for investors this morning is simple: do buyers defend this level…or does support give way, opening the door to a deeper correction? Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/FfqIQklIxcc --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #RiskManagement
Is China really "dumping" U.S. Treasury bonds—or is that headline missing key context? Lance Roberts examines what Treasury International Capital (TIC) data does (and doesn't) show, why China's reported holdings can shift for reasons that have nothing to do with panic selling, and how custody chains and financial centers can complicate the narrative. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:52 - What to Do w Tariffs Struck Down by SCOTUS 5:35 - GDP Weaker than Expected, except... 12:59 - Coming Attractions - Ten Laws of Money 16:27 - Chat Question: Is China Dumping U.S. Treasuries? 17:48 - The Problem w the Narrative & Lance in France 22:06 - China's Shift in Custodial Relationships 26:13 - Why Luxembourg & Belgium Matter 28:05 - How the Financial Plumbing Works 29:16 - Why They Buy Dollar-denominated Assets 31:55 - Dollar vs Euro Trade 32:48 - How Investors Should Look at U.S. Treasuries 34:08 - U.S. Treasuries Anchor Risk-free Pricing 37:20 - Portfolio is a Toolbox, not a Narrative 39:01 - Focus on the Risk that Matters 41:51 - Tariff Changes & Policy Risks 43:26 - Semper Gumby - Always Flexible ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Mega Roth Questions & Senior Deductions," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Warning - Breadth at 50-Year Extreme," is here: https://youtu.be/Dule_eZoSBY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #SectorRotation #RiskManagement #USTreasuries #China #BondMarket #InterestRates #MacroInvesting
Markets bounced Friday, recovering to close slightly above the 20-day moving average, but the story remains internal rotation—not a clean, broad-based trend. Energy and mega-caps carried the tape into the close, while this morning the leadership is shifting again, with Healthcare acting better (Eli Lilly notably higher) and much of the rest of the market looking flat. February is doing what it often does—acting like one of the weaker seasonal months—and the S&P 500 is up only about 1.2% year-to-date. Under the surface, sector bifurcation is pronounced: Energy, Industrials, and Basic Materials have posted outsized gains, while Technology, Financials, and Healthcare have lagged. That divergence is a reminder that "index level" calm can mask very real crosscurrents in risk. Breadth is also sending a message. The equal-weighted index continues to outperform, and roughly 65% of S&P 500 constituents are outperforming the index so far this year—an extreme not seen in decades. Strong participation isn't inherently bearish, but when performance becomes that broadly stretched, the probability of mean reversion and sharp reversals tends to rise. Bottom line: respect the rotation, don't chase what's extended, and stay disciplined on risk controls. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/Dule_eZoSBY --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #SectorRotation #RiskManagement
Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as "no tax on Social Security" for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning
Ray Dalio's Davos comments aren't a "next-week collapse" call—they're a long-cycle warning: rising debt supply can eventually force higher yields and tough policy trade-offs. Meanwhile, the S&P 500 looks calm on the surface, but sector/factor dispersion and low correlations show a fierce rotation under the hood. Lance Roberts & Michael Lebowitz examine the calm index ≠ calm market—watch dispersion and correlations for the next regime shift. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Economic Reports Show Benefits of AI Data Centers 5:17 - Why The Dow Jones Index Matters Now 9:20 - WalMart Quarterly is Proxy for Staples 12:30 - Why WalMart Valuation Matters 15:53 - Periods of Rolling Bubbles 19:45 - Has AI Cap-ex Already Been Priced-in? 22:20 - The Value-Growth Rotation 24:01 - Fed Meeting Minutes Recap 26:57 - Debunking Dalio 33:13 - Dealing with Negative, Doom & Gloom Headlines 37:10 - Mortgage-backed Bond Exposure 41:18 - Could the Yield Curve Flatten? 43:09 - Is Kevin Warsh just Jerome Powell 2.0? 44:19 - Avoid Worrying About Things Out of Your Control ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mippkxiCJQI ------- Articles Mentioned in Today's Show: "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ ------- Watch our previous show, "Q&A Wednesday: Markets, Money, and Your Questions" here: https://youtube.com/live/3xyx42x5s44 -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy #RayDalio #Davos #MarketRotation #SP500 #RiskManagement
Markets pushed higher Wednesday morning and ran straight into a key technical "traffic jam" as the 20-day and 50-day moving averages converged near the same level. Late-day selling pulled prices back toward the 50-DMA, and with futures slightly lower this morning, the big question is whether buyers step back in—or whether we start to see a more routine digestion of gains. The bigger tell right now may be the Dow Jones Industrial Average. The Dow has notched nine consecutive months of gains, a streak that's historically rare over long market history. When runs like this extend, it doesn't automatically signal a crash—but it does increase the odds of corrective action. If a Dow pullback shows up, it can easily spill into the S&P 500 and NASDAQ through sentiment and positioning. Breadth is improving, with roughly 65% of S&P 500 stocks trading above their moving averages. That's supportive for trend health—yet it's also a double-edged sword. When participation rises broadly, markets can correct broadly as well, even if the primary trend remains intact. Bottom line: we're not talking about a major breakdown. But a 3–5% pullback would be completely normal given the Dow's extended run and the market's proximity to key moving averages. That's why this is a good window to take partial profits, rebalance risk, and maintain discipline. If/when a pullback arrives, it can create a more favorable entry point to put that capital back to work. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/zor3I7w1wLA --- Articles mentioned in this report: "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy
It's Q&A Wednesday—your questions drive the show. Lance Roberts & Danny Ratliff break down what's moving markets right now, key economic and Fed signals to watch this week, and the practical portfolio decisions that matter most (risk, allocations, income, taxes, and retirement timing). Drop your question in the live chatroom and we'll tackle as many as we can. Topics we often cover: market volatility & trend levels, rates/inflation, sector rotation, retirement income, tax strategy, ETFs vs. individual bonds, and avoiding emotional decision-making. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Wrapping Earnings Season w Highest Revenue Growth Ever 4:38 - Markets Bounce off 100-DMA 6:47 - What's Next for Crude Oil & Energy Stocks? 9:40 - How Much Money is "Enough" to Retire On? 17:48 - Study: Coffee & Dementia 19:06 - Work Benefits vs Medicare 20:41 - Capital Allocation in Current Markets 23:19 - How to Plan for 2027 25:14 - Bloom Energy & Fuel Cell Tech 26:21 - Price Floor Effects on Trading, Employment & Metals 29:56 - Extended Car Warranty Pros & Cons 31:27 - How Much Trust in Forward Guidance? 32:55 - Is Palantir Over Sold? (Yes) 33:35 - Datacenter Rage vs Fiber Optics 35:00 - Corporate Stock Buy Backs vs AI Cap-Ex Spending 35:54 - Planning to Retire at 56 36:52 - Should You Wait Until 74 for Social Security? 39:09 - Market Rotation Velocity 40:28 - Coming Attractions ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/3xyx42x5s44 ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Bank, Brokerage, or Corporate Trustee? (It's a Matter of Trust)," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "1100-DMA Bounce: Range-Bound Markets & Energy Risk," is here: https://youtu.be/EJVtzKwAMG4 ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks #QandAWednesday #MarketOutlook #PortfolioRisk #RetirementPlanning #InvestingEducation
Markets tested the 100-day moving average (100-DMA) and buyers stepped in—exactly where many systematic and algorithmic strategies tend to respond. Futures are pointing higher this morning, but that doesn't automatically mean the selloff is finished. Momentum remains weak and the market is still on a sell signal, which often sets up a choppy, range-bound environment without a clear catalyst. We also discuss why "chasing winners" can get dangerous late in an extended run—highlighted by Walmart's sharp drop after a strong advance. In commodities, crude oil is trying to stabilize, but remains on a sell signal at elevated levels. If support near ~$62 fails, the next downside zone could pull oil into the mid-to-high $50s—potentially helping inflation prints while pressuring Energy stocks. Energy sector momentum is stretched and nearing a sell signal from a high level. If you've been riding Energy higher, this may be a prudent window to rebalance risk and harvest gains—rather than waiting for the market to do it for you. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EJVtzKwAMG4 --- Articles mentioned in this report: "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #TechnicalAnalysis #MovingAverages #EnergyStocks
Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning