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6-12-26 Choosing a Financial Advisor - Best of Financial Fitness Fridays

Release Date: 06/12/2026

The Real Investment Show Podcast

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether...

7-16-26 Headwinds, Tailwinds, and Market Risk

The Real Investment Show Podcast

Markets rarely move in a straight line. Just like the weather, investing requires understanding both the headwinds that can slow markets down and the tailwinds that can keep the rally moving forward. Lance Roberts & Michael Lebowitz examine the key forces shaping today's investment landscape, including stretched valuations, investor sentiment, earnings expectations, interest rates, liquidity, and the continued influence of artificial intelligence. While several risks deserve close attention, there are also powerful catalysts that could continue supporting stocks in the months ahead. The...

7-16-26 Semiconductor Warning as Markets Climb | Before the Bell

The Real Investment Show Podcast

Markets continue to grind higher after breaking out of a multi-week consolidation pattern, with resistance near previous highs still in focus. Technical trends remain constructive as buy signals stay intact and moving averages continue rising, but momentum is becoming increasingly stretched as markets approach overbought territory. The bigger story is happening beneath the surface. Leadership rotated sharply on Wednesday as investors moved back into Mega Cap technology names like Nvidia, Microsoft, and Amazon while semiconductor stocks suffered broad selling pressure despite ASML's earnings....

7-15-26 Q&A Wednesday - CPI, Earnings, and Market Risks

The Real Investment Show Podcast

What if the biggest advantage in today's markets isn't making more trades or winning every debate—but knowing when to step back? Lance Roberts & Jon Penn examine two powerful ideas: why constantly trying to be "right" can actually hurt investment returns, and how today's financial markets increasingly resemble gambling platforms fueled by constant speculation, options trading, prediction markets, sports betting, and cryptocurrencies. 0:00 INTRO 0:51 - Banks' Earnings Soar on Trading Revenue 3:52 - Markets Continue Gravitating Along Rising 20-DMA 9:00 - Where Was Danny? 11:27 - What...

7-15-26 Is Market Leadership Changing? | Before the Bell

The Real Investment Show Podcast

Markets continue to ride the rising 20-day moving average as a tightening price wedge keeps the bullish trend intact. A breakout above resistance could fuel another leg higher, but investors should also be watching the calendar as August and September have historically brought weaker seasonal performance and lighter trading volumes. Lance Roberts discusses why sector rotation may become the next big market story. Financials and Healthcare have lagged while Technology and Semiconductor stocks have led the rally. If leadership begins to shift, it could signal a more defensive, risk-off...

7-14-26 Winning Less, Investing Better

The Real Investment Show Podcast

What if the biggest advantage in today's markets isn't making more trades or winning every debate—but knowing when to step back? Lance Roberts & Jon Penn examine two powerful ideas: why constantly trying to be "right" can actually hurt investment returns, and how today's financial markets increasingly resemble gambling platforms fueled by constant speculation, options trading, prediction markets, sports betting, and cryptocurrencies. 0:00 INTRO 0:54 - Mixed Market & Heightened VIX on Semi-conductors 4:41 - Markets Trying to Breakout of Wedge 9:18 - Candid Coffee Tease 10:01 - The...

7-14-26 Oil, Chips, and a Market at Support | Before the Bell

The Real Investment Show Podcast

Markets remain on a technical buy signal, but today's session could determine whether stocks finally break out of their tightening compression pattern or remain trapped inside the wedge. Rising moving averages continue to provide support, yet higher oil prices are pushing interest rates higher, adding another layer of risk for investors. We also examine the semiconductor sector, where momentum is fading as volatility increases. We'll discuss the key support levels, upside targets, stop-loss zones, and what a breakdown could mean for technology stocks and the broader market. If you're heavily...

7-13-26 Why Spotting Bubbles Is So Hard

The Real Investment Show Podcast

Every investor wants to identify the next market bubble before it bursts, but history shows that's far easier said than done. Whether it's technology stocks, housing, cryptocurrencies, or today's Artificial Intelligence leaders, distinguishing a true speculative bubble from a powerful long-term investment trend is one of the greatest challenges in investing. Lance Roberts explains why bubbles are so difficult to recognize in real time, the behavioral biases that cloud investor judgment, and how to manage portfolio risk without relying on perfect market timing. 0:00 INTRO 0:51 -...

7-13-26 Momentum Meets Complacency | Before the Bell

The Real Investment Show Podcast

Markets finally broke above weeks of price compression, triggering a bullish momentum breakout after rising support and declining resistance converged. While the technical picture remains constructive, investor complacency is increasing as markets approach overbought territory. Lance Roberts examines why this breakout may have more limited upside than many investors expect, why cheap put options deserve attention, how oversold oil prices could reverse higher into the mid-$80s, and why the continued rotation from Value to Growth—led by semiconductors—is expanding across the broader market....

7-10-26 The Boomerang Generation - When Adult Kids Move Back Home

The Real Investment Show Podcast

More families are experiencing the Boomerang Generation phenomenon, with adult children moving back home because of housing costs, student debt, career changes, or other life events. Before saying "yes," parents should understand the financial, legal, and retirement planning implications. Richard Rosso & Jonathan McCarty discuss how you can protect your retirement while helping your adult children, including household expenses, setting boundaries, estate planning considerations, and knowing when financial support helps—or hurts. Whether your adult children are moving back temporarily or...

More Episodes

What should you really expect from a financial advisor? Is your advisor acting as a fiduciary, managing risk, helping with taxes, retirement income, estate planning, and behavioral coaching, or just selling products and chasing performance?

Richard Rosso & Jonathan McCarty break down the real role of a financial advisor, what services matter most, how advisors are compensated, and the warning signs investors often miss. We also discuss fiduciary standards, portfolio management, communication expectations, financial planning, and why transparency matters more than promises..

Here's a topical rundown of today's show:

0:00 - INTRO
0:33 - Jerome Powell, Kevin Warsh, & CPI Review
3:43 - Employment Numbers & Data Centers
5:28 - What Does Your Advisor Do?
9:34 - What Should You Expect?
13:07 - What Are You Getting vs Giving Up?
16:56 - Looking at Taxes on a Continuum
19:26 -Investment Management is Important
24:37 - Financial Advisors with Open Minds
27:41 - Fixed-cost vs Fee-based Financial Planning
26:15 - How to Deal with Emotional & Cognitive Biases
27:11 - Fiduciaries Focus on Things You Miss
28:30 - Proper Asset Location
30:03 - Fee Transparency - How advisors get paid
31:35 - Red Flag Warnings When Choosing an Advisor
33:11 - What Annuities Do (and Don't Do)
34:44 - Big Firms vs Small Firms - KYC
35:38 - Fee-only vs Fee-based Advisors
36:49 - What Comprehensive Wealth Management Should Look Like

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
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Articles Mentioned in Today's Show:
"The Perfect Planning Experiemce"
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Watch today's "Before the Bell" feature, "Momentum Mania Meets Market Rotation," here:
https://youtu.be/bNIRIssbDP8
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Watch our previous show, "Inflation Surge Hits Markets?"
https://youtube.com/live/UOSeQNOhcwI
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