I am a national expert on sudden wealth. My wealth management firm (www.PacificaWealth.com) has developed a unique process for handling the financial--and often psychological--issues of sudden wealth from inheritance, lottery, divorce, stock options, lawsuits, sports/entertainment contracts, or business sales. For clients who experience a sudden wealth event and may feel overwhelmed and need immediate clarity on the various financial, legal, and tax issues, I am able to provide them with ins ...
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InvestTalk


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InvestTalk
Hosts Steve Peasley & Justin Klein | Wealth Managers and Investment Advisors
In today's global economy, understanding investment options can be an extremely challenging task. Investors are continually bombarded with hearsay opinions and ever-changing financial data. So, to prevail, serious investors need the benefit of market education and unbiased guidance. This realization is why a fast-growing number of listeners choose to make KPP Financial's 'InvestTalk' radio program and podcast a must have element of their investing strategy. InvestTalk is a weekday program th ...
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InvestTalk


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5-31-2023 – Markets Are Sounding Alarms on the World's Second Largest Economy
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Financial markets have been raising red flags recently about China's economy, but analysts say Wall Street is missing the big picture. Today's Stocks & Topics: NVIDIA Corp., Crypto Scams, Trash is Becoming Valuable, BTI - British American Tobacco PLC ADR, VTV - Vanguard Value ETF, BDRY - Breakwave Dry Bulk Shipping ETF, Emergency Funds, VICI - VICI…
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InvestTalk


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5-30-2023 – How to Sequence Withdrawals in Retirement
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There are strategies to help retirees smooth out their tax bills in the drawdown phase. (One tip: Identify the tax bracket that you want to fill knowing it varies by investors.) Today's Stocks & Topics: Controlling the Market, PTY - PIMCO Corporate & Income Opportunity Fund, Timing the Market, UPST - Upstart Holdings Inc., TGT - Target Corp., VFC -…
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5-29-2023 - Best of Caller Questions - Memorial Day
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In this compilation program, Steve Peasley and Justin Klein field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Rental Properties, How Much Cash, Index Funds, Investing Signs, Credit Cards, Gold & Silver, Low Contribution Limits, Natural Gas, Credit Ratings, KPP In…
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5-26-2023 – Can You Recession-Proof Your Portfolio?
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It could be worth examining how various asset classes have performed during economic downturns. Today's Stocks & Topics: Debt Ceiling, QCOM - Qualcomm Inc., TLT - iShares 20+ Year Treasury Bond ETF, Roth I-R-A, FOXA - Fox Corp. Cl A, PYPL - PayPal Holdings Inc., NEM - Newmont Corp. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-O…
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5-25-2023 – Why Is Crypto Acting Like a Risk Asset Again?
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Bitcoin and ether are on pace for their worst month of 2023, down 10% and 6%, respectively. Today's Stocks & Topics: Credit, Bank Deposits, Refilling the SPR, KTB - Kontoor Brands Inc., MMM - 3M Co., Money Market Funds, TROW - T. Rowe Price Group Inc., IP - International Paper Co., T - AT&T Inc., Bonds, TCS - Container Store Group Inc. Advertising …
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5-24-2023 – Could Require Minimum Distributions Cause You to Overspend?
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The calculations for RMDs are more conservative than many people realize—especially now. Today's Stocks & Topics: Small Time Investors, The Oil Markets and Oil Reserves, DIS - Walt Disney Co., KHC - Kraft Heinz Co., Technical Indicators, NUGT - Direxion Daily Gold Miners Index Bull 2X Shares, The Debt Ceiling, LDOS - Leidos Holdings Inc., EBS - Eme…
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5-23-2023 – Are Index Funds and ETFs Good for Retirees?
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Low costs and tax efficiency are obvious pluses, but so are ease of oversight and cash flow extraction. Today's Stocks & Topics: Treasury Department, Economist Paul Krugman, ING - ING Groep N.V. ADR, RGR - Sturm Ruger & Co., SWBI - Smith & Wesson Brands Inc., GLW - Corning Inc., Reverse Split, RF - Regions Financial Corp., WBD - Warner Bros. Discov…
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InvestTalk


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5-22-2023 – Should You Plan to Capture Higher Savings Yields with a CD Ladder?
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A diversified portfolio is essential and a certificate of deposit ladder, or CD ladder, can capture higher yields amid interest rate uncertainty. Today's Stocks & Topics: Rate Increases, Banking Deposits, Home Prices, RHHBY - Roche Holding AG ADR, CDs, IIPR - Innovative Industrial Properties Inc., PYPL - PayPal Holdings Inc., ATKR - Atkore Inc., BC…
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5-19-2023 – What’s the Difference Between Risk Tolerance and Risk Capacity?
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Aligning these concepts can help you make better portfolio decisions. Today's Stocks & Topics: PYPL - PayPal Holdings Inc., ET - Energy Transfer LP, National Debt, AMZN - Amazon.com Inc., GT - Goodyear Tire & Rubber Co., DVN - Devon Energy Corp., TGLS - Tecnoglass Inc., Inflation, Travel. Plus: Key Benchmark Numbers and Market Comments for: Treasur…
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5-18-2023 – Oil Price Dip Ignores Burgeoning Chinese Demand and Imminent Supply Crunch
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The Paris-based International Energy Agency has warned that the ongoing pressure in oil prices neglects an accelerating demand outlook and looming supply tightness. Today's Stocks & Topics: AAPL - Apple Inc., Options, Buybacks, Student Loans, Home Prices, Investment Types, Growth vs. Value, HBI - Hanesbrands Inc., PCOXX - Federated Hermes Prime Cas…
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5-17-2023 – What Can We Expect with Homebuilder Sentiment Now Out of Negative Territory?
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According to the National Association of Home Builders (NAHB), builder confidence in the market for newly built single-family homes rose 5 points in May. Today's Stocks & Topics: Investors Are Nervous, Pricing Power, Commercial Real Estate, VZ - Verizon Communications Inc., Return on Equity vs. Return on Assets, Cash-Secured Puts, LBRT - Liberty En…
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5-16-2023 – How Do New I-Bond Rates Compare with CDs and Savings Accounts?
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With savings rates expected to cool later this year, some experts say I-Bonds may be the best way to grow your money. Today's Stocks & Topics: Retail Sales, Warren Buffett and Banks, Inflation, Oil, CF - CF Industries Holdings Inc., APLE - Apple Hospitality REIT Inc., ASIX - AdvanSix Inc., PLTR - Palantir Technologies Inc., Dividend Reinvestment, N…
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5-15-2023 – Is Investing in Emerging Markets Worth the Trouble?
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A look at the pros and cons and the available options for emerging-markets ETFs. Today's Stocks & Topics: Investors and The Market, MET - MetLife Inc., TOU - Tourmaline Oil Corp., IMO - Imperial Oil Ltd., National Debt, Mortgages, Index Funds, PYPL - PayPal Holdings Inc., EYEN - Eyenovia Inc., WHR - Whirlpool Corp., The Debt Ceiling. The PERSPECTIV…
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In this compilation program, Steve Peasley and Justin Klein field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Inflation Rate, Social Security, Investing in Other Markets, Transferring Cash to Roth I-R-A, P.E. Ratio Calculation, Relocating for Retirement, Passive …
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5-11-2023 – Does It Pay to Diversify by Style?
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U.S. equity exposure can be broadly segmented by market capitalization (small, mid, and large) and style (value versus growth). Today's Stocks & Topics: FENY - Fidelity MSCI Energy Index ETF, MTYFF - MTY Food Group Inc., SPAXX - Fidelity Government Money Market Fund, EONGY - E. ON SE ADR, AGCO - AGCO Corp., Housing Market, UNG - United States Natur…
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5-10-2023 – Will Commercial Real Estate Be the Next 'Shoe to Drop'?
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There are more empty office spaces now than during the 2008 financial crisis. These vacancies could spell trouble for downtown city centers and the broader commercial real estate market. (Post pandemic: Return to the office lags — affecting commercial real estate) Today's Stocks & Topics: Corporate Profit Margins, Market Timing, Oil, PLTR - Palanti…
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5-9-2023 – Is It a Good Idea to Align Retirement Withdrawals with Your 'Portfolio Performance'?
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Dynamic retirement-spending strategies can help retirees spend more from their portfolios than spending strategies that aim to supply the same real withdrawals year after year. Today's Stocks & Topics: FCC vs. Cryptocurrency Exchanges, Apple Bonds, FRCB - First Republic Bank, UPST - Upstart Holdings Inc., Credit Cards Interest Rates, The Dollar, BO…
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InvestTalk


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5-8-2023 – What Do Rising Interest Rates Mean for Diversification?
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History offers investors key lessons. (When the market expects borrowing costs to climb, correlations between stocks and bonds typically increase.) Today's Stocks & Topics: CMA - Comerica Inc., IWM - iShares Russell 2000 ETF, OMF – One Main Holdings Inc., TSN - Tyson Foods Inc. Cl A, Investing Factors, June 1 Deadline, PCRSX - Principal Large Cap G…
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In this compilation program, Steve Peasley and Justin Klein field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: CD Rates, Natural Gas, Brokered CD vs. Traditional CD, The U.S. Dollar, 401k, 529 or else, Diversification, Pay Off Car or Buy Property, I-R-A vs. Roth I…
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5-4-2023 – Could A.I. Change the Way You Manage Your Money?
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Understanding your money is essential, even with AI, because an individual’s financial situation is often comprised of hundreds of 'micro decisions' made every day. Today's Stocks & Topics: Natural Gas, PLAY - Dave & Buster's Entertainment Inc., DIS - Walt Disney Co., FRCB - First Republic Bank, HBAN - Huntington Bancshares Inc., Low Contributions …
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5-3-2023 – Is the IRS Really Hiring 'An Army' of Auditors?
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The IRS hired 5,000 phone assistants in advance of this year’s filing season and has further plans to update its technology. Today's Stocks & Topics: Small Banks, Salaries, RIO - Rio Tinto PLC ADR, Gold & Silver, Credit Ratings, Investing Signs, MTB - M&T Bank Corp., XHB - SPDR S&P Homebuilders ETF, ASH - Ashland Inc., GLPI - Gaming & Leisure Prope…
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5-2-2023 – One Billionaire Investor Is Sounding the Alarm
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The Vice-Chairman of Berkshire Hathaway sees trouble ahead for the U.S. financial system because American banks are "full of bad loans" due to falling property prices. Today's Stocks & Topics: Job Openings Report, Banks Still a Problem, Working Skills, TWLO - Twilio Inc. Cl A, AA - Alcoa Corp., SCCO - Southern Copper Corp., How Much Cash, Fair Valu…
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5-1-2023 – What Another Fed Rate Hike Could Mean for You
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Consumers are now paying more to borrow while still grappling with a high cost of living — causing them to feel increasingly worse off financially-- but what about investors? Today's Stocks & Topics: The Dollar, The Fiscal Deficit, WU - Western Union Co., Rental Properties, GM - General Motors Co., WWE - World Wrestling Entertainment Inc. Cl A, BCC…
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4-28-2023 – How to Make the Decision Whether to Rent or Buy
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In the current real estate market, a typical renter pays about 40% less per month than a first-time homeowner. (In the top 10 metro regions that favored renting, monthly starter homeownership costs were an average of $1,920 higher than rents.) Today's Stocks & Topics: Economic Numbers, New Home Sales, GDP Q1, The Core Personal Consumption Expenditu…
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4-27-2023 – Navigating the Debt Ceiling Impasse
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According to data from the U.S. Treasury, looking back as far as 1960, Congress has raised or suspended the debt ceiling 78 times. Today's Stocks & Topics: Solar Industry, CMCSA - Comcast Corp. Cl A, MPW - Medical Properties Trust Inc., PLAB - Photronics Inc., META - Meta Platforms Inc., European Gas Market, 457 Rollover, The Fed and Banks. Adverti…
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Despite banking turmoil, a handful of large-cap tech stocks powered the S&P 500’s gains during the first quarter. Today's Stocks & Topics: The office Market, Supply Chains, EU - enCore Energy Corp., WTI - W&T Offshore Inc., Trend Following, AG - First Majestic Silver Corp., TSCO - Tractor Supply Co. Advertising Inquiries: https://redcircle.com/bran…
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4-25-2023 – Where Should Investors Stash Their Safe Money?
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"Investment cash" is one category, there are others you should contemplate. [A financial planning expert has his ideas for balancing yield and safety in investors’ cash holdings...but does he make sense?] Today's Stocks & Topics: Google, Consumer Confidence, Morgan Stanley's Warning for Real Estate Prices, Waste Industry, GOOG - Alphabet Inc. Cl C,…
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4-24-2023 – Several Questions to Answer Before Investors Can Consider What to Do Next
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Uncertainty about the economy, Fed policy, and earnings has stocks moving in tighter ranges. [Are we heading into a recession? Will inflation come down enough that the Federal Reserve will be able to lower interest rates? How bad will corporate earnings be?] Today's Stocks & Topics: EMR - Emerson Electric Co., Inflation Reduction Act, Insider Tradi…
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4-21-2023 – 10 Financial Lessons You Should Understand
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46:15
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There are some general rules of thumb we can all learn from but it's best to seek help for personalized advice. Today's Stocks & Topics: Economic Growth, Market Overbought, RITM - Rithm Capital Corp., Return on Assets, GGG - Graco Inc., CELH - Celsius Holdings Inc., Dividend Stocks, AEM - Agnico Eagle Mines Ltd., Top Economist Mohamed El-Erian on I…
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4-20-2023 – Are We in a Freight Recession?
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At least one major trucking and transportation company reported first-quarter profit and revenue that fell below expectations. (It is a challenging freight environment with deflationary price pressure for an industry that continues to face inflationary cost pressures.) Today's Stocks & Topics: ALB - Albemarle Corp., TRTN - Triton International Ltd.…
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4-19-2023 – Can You Transfer a Mortgage to Someone Else?
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Sometimes a mortgage can be transferred even if it isn’t assumable—and a lender might also opt to be more generous and permit transfers on a case-by-case basis. Today's Stocks & Topics: Banking Crisis and Economic Growth, Volatility, 60-40 Investing Strategy, COMM - CommScope Holding Co. Inc., RMBS - Rambus Inc., Credit Sweeps, IIPR - Innovative In…
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4-18-2023 – Brace Yourself for the Worst Quarterly Earnings Season in Three Years
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But good news is expected for those with portfolios aligned with the right stock sectors. (Investors can expect pockets of good news among travel, industrials, and energy stocks.) Today's Stocks & Topics: STRL - Sterling Infrastructure Inc., JPIE - JPMorgan Income ETF, SCCO - Southern Copper Corp., TSN - Tyson Foods Inc. Cl A, CXAI - CXApp Inc., Tr…
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4-17-2023 – AI Is Already Impacting 3 Big 'FAANG' Stocks
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Microsoft's fight to use its Bing product to replace Google search is heating up. Today's Stocks & Topics: Apple, Regulators Shaping the Auto Industry, BKE - Buckle Inc., SNOXX - Schwab Treasury Obligations Money Inv., Corporate Bonds, NKE - Nike Inc. Cl B, HPE - Hewlett Packard Enterprise Co., HP - Helmerich & Payne Inc., Global Real Estate Market…
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4-14-2023 – Is the Threat of De-dollarization Real?
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As the world’s reserve currency, the US dollar is essentially the default currency in international trade and a global unit of account. (Is the potential for serious de-dollarization a reality?) Today's Stocks & Topics: The Bond Market, Options, Bitcoin, MP - MP Materials Corp., CLFD - Clearfield Inc., Target Dated Funds, TRTN - Triton Internationa…
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In this compilation program, Steve Peasley and Justin Klein field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Fully Paid Lending, Preferred Stocks, 401K Funds, Corporate Bonds, Big Banks Bonds, Metals, Buy and Sell, Social Security & Taxes, 403B to a Roth I-R-A, …
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In this compilation program, Steve Peasley and Justin Klein field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Roth I-R-A Contributions, Preferred Stocks, YouTube Business, I-R-As, Trustable Financial Websites, Interest Rates, 401k, Position, Housing Market, Mortg…
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4-11-2023 – What’s a Safe Withdrawal Rate for Retirees?
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With stock and bond prices declining and inflation what it is today, new retirees have run headlong into what retirement researchers call “sequence risk. (There are research 'scenarios' that might provide insight.) Today's Stocks & Topics: Commercial Real Estate, Q1 Earnings, Investing Strategy, EXPE - Expedia Group Inc., NUGT - Direxion Daily Gold…
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4-10-2023 – “Which Stocks Performed Best in Q1?”
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Of the 844 U.S.-listed stocks covered by Morningstar analysts, 525 rose, while 319 fell. (Do the statistics give us any clues for today's investing?) Today's Stocks & Topics: Jobs Report, SUN - Sunoco L.P., PTSI - P.A.M. Transportation Services Inc., NTR - Nutrien Ltd., Value Stocks, Investment Account for a Child, XOM - Exxon Mobil Corp., CP - Can…
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4-7-2023 - Best of Caller Questions - Good Friday Edition
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In this compilation program, Steve Peasley and Justin Klein field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: CD Rates, Natural Gas, Brokered CD vs. Traditional CD, The U.S. Dollar, 401k, 529 or else, Diversification, Pay Off Car or Buy Property, I-R-A vs. Roth I…
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4-6-2023 – Which Stocks Performed Worst in Q1?
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Of the 844 U.S.-listed stocks covered by Morningstar analysts, 29 fell by more than 20% in the first quarter of 2023. (What can we learn from looking at the "under-performers"?) Today's Stocks & Topics: How ESG Should be Regulated, Landlords Cutting Rents, Job Openings, HII - Huntington Ingalls Industries Inc., SCHW - Charles Schwab Corp., ENPH - E…
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4-5-2023 – Major Bank CEO Says the Banking Crisis Is Not Over
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Jamie Dimon, longtime JPMorgan Chase CEO, said that even when the current crisis is behind us, there will be repercussions from it for years to come. Today's Stocks & Topics: The Apartment Market, Migration and Real Estate, Lithium Prices, Oil Companies, CNQ - Canadian Natural Resources Ltd., IMO - Imperial Oil Ltd., Retirement Plans, LC – Lending …
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4-4-2023 – What's Causing the Sudden Price Jump in Home Prices?
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In December and January, mortgage rates began pulling back, and homebuyers surged ahead. Today's Stocks & Topics: Gas Prices, Tesla Reports Record Sales, VBR - Vanguard Small-Cap Value ETF, Bond Ladders, SGOV - iShares 0-3 Month Treasury Bond ETF, VGT - Vanguard Information Technology ETF, PFE - Pfizer Inc., BLK - BlackRock Inc., BX - Blackstone In…
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4-3-2023 – 14 Charts on Q1 2023 Market Performance Tell the Story
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After a brutal 2022, stocks and bonds posted gains during the first quarter. Today's Stocks & Topics: Metaverse, Individual Investors, Private Markets, FSLR - First Solar Inc., Shorting, PLBY - PLBY Group Inc., JEPI - JPMorgan Equity Premium Income ETF, Buying a Preferred Stock, TECK - Teck Resources Ltd. Cl B., VIOV - Vanguard S&P Small-Cap 600 Va…
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3-31-2023 – Why Credit Risk Suddenly Matters for Bond Fund Investors
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Since the emergence of the banking crisis in early March, the bond market landscape has changed dramatically, leading to big swings in performance among bond funds. Today's Stocks & Topics: Consumer Sentiment, Blackstone CEO, IIPR - Innovative Industrial Properties Inc., LifeLock, LUMN - Lumen Technologies Inc., SCHW - Charles Schwab Corp., EQT - E…
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3-30-2023 – Are You Unknowingly Subsidizing Your Colleagues’ 401(k) Fees?
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The dynamic to understand is a function of the investments you choose and how the 401(k) plan pays costs for administrative expenses. Today's Stocks & Topics: Tech Layoffs, China, and Russia, Metaverse, EVR - Evercore Inc. Cl A, SEIC - SEI Investments Co., Banks, and Long-Term Mortgages, CDNS - Cadence Design Systems Inc., SNPS - Synopsys Inc., AMT…
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3-29-2023 – Investment Complexity Is Not Your Friend
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The fund industry now includes a dazzling variety of options, from active to passive, long to short, inverse to leveraged, and various combinations thereof spanning nearly every conceivable asset class. Today's Stocks & Topics: Commercial Real Estate, Chip Makers, Renewable Energy, SCHW - Charles Schwab Corp., ATVI - Activision Blizzard Inc., KRE -…
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3-28-2023 – REITs Are Under Pressure from the Wave of Banking Fear
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Investors are worried that dividend-paying REITs could get squeezed by tenants, lenders, or both. Today's Stocks & Topics: The Fed, Suze Orman's 5 Things About Money, Rich People Are Moving Out Of New York, BNS - Bank of Nova Scotia, BAC - Bank of America Corp., TBIL - US Treasury 3 Month Bill ETF, Treasuries, SPAXX - Fidelity Government Money Mark…
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3-27-2023 – Could the U.S. Be 'Barreling' Towards a Recession?
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One analyst says, 'the storm signals are flying' and he is eyeing indicators such as a "sharply" inverted yield curve and tightening of open market financial conditions. Today's Stocks & Topics: Money Flow, The Global Gold Market, Housing Market, AI - C3.ai Inc., Margin Investing, 529-Plan, UTL - Unitil Corp., MRO - Marathon Oil Corp. Justin's PERS…
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3-24-2023 – Retirement vs. Emergency Savings: How to Prioritize in a Shaky Economy
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More than half of savers are prioritizing short-term financial goals in 2023, including emergency savings, according to a recent study from Fidelity Investments. Today's Stocks & Topics: Is the Fed Backing Off, Treasury Bills, Commercial Real Estate in More Trouble, HIFS - Hingham Institution for Savings, Foreclosures, JNJ - Johnson & Johnson, BAC …
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3-23-2023 – What Could the Federal Reserve’s Rate Hike Mean for Your Money?
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For starters, a wide range of consumer finances — from mortgages and credit cards to student loans, auto loans and savings — will be affected by the rate increase. Today's Stocks & Topics: DMB - BNY Mellon Municipal Bond Infrastructure Fund Inc., COWZ - Pacer U.S. Cash Cows 100 ETF, COIN - Coinbase Global Inc., LAKE - Lakeland Industries Inc., RBLX…
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