Something More with Chris Boyd
"Something More with Chris Boyd" is a financial talk show where we talk about not only those important dollar and cents issues, but also the quality-of-life issues that make the money matters matter. In addition to speaking about investment and planning concerns, we often invite guests to join us each week for new episodes & send in your questions/comments to: [email protected]
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Not never, but be cautious
12/20/2024
Not never, but be cautious
Not never, but be cautious – Should you buy an annuity as a part of your retirement planning? Based on an email from a listener, Chris Boyd and Jeff Perry provide their commentary on the proper use of annuities. Chris outlines the various types of annuities commonly sold by life insurance companies. Chris and Jeff caution listeners about the embedded fees and features of these products. Jeff points out the lack of flexibility to owners of annuities and reminds listeners in a typical fixed annuity based on the owner’s lifetime, there will nothing left for the inheritance/legacy. Chris speaks to his concerns of the impacts inflation can have for annuity owners. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: For more information or to reach Chris Boyd or Jeff Perry, click the following link:
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Retirement Income Strategies for the Long Haul
12/16/2024
Retirement Income Strategies for the Long Haul
Retirement Income Strategies for the Long Haul – Chris Boyd opens this episode with an offer to listeners for a complimentary 2024 Tax Planning Checklist. The conversation turns to a discussion of a Kiplinger’s article (see link below) about retirement income strategies that Chris was quoted in. Chris and co-host Jeff Perry discuss segmenting retirement income by using the bucket strategy, the use of dividend stocks/bonds versus total portfolio, having diversified income streams, using annuities (or not) for guaranteed income, and working part-time in retirement. Chris and Jeff remind listeners to take the Something More podcast survey (see link below). https://www.kiplinger.com/retirement/retirement-income-strategies-for-the-long- haul The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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Elevate & Empower
12/13/2024
Elevate & Empower
Elevate & Empower – Author and radio personality Jeff Katz joins the podcast to discuss his new book, Elevate & Empower. The show starts out with a lively discussion of Jeff’s unique background of being a police officer, wrestling promoter, radio show host, public speaker, husband, and father. Jeff shares the personal story of his daughter Julia and how she is the inspiration for the last chapter of the book “Quest for Cookies.” Jeff also shares his Letters to Julia and his own personal advocacy for disabled individuals. To order Jeff Katz’s book Elevate & Empower, e-mail Jeff at: [email protected] The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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Unpacking Social Security & Government Pensions
12/09/2024
Unpacking Social Security & Government Pensions
Unpacking Social Security & Government Pensions – Chris Boyd, Jeff Perry and Russ Ball explore the often-incorrect assumptions people have related to social security and government pensions. Russ opens the segment with one of those common assumptions with a question to Jeff who outlines the interplay of the two sources of retirement income. Chris shifts to the topic of how many retirees struggle with the transition of accumulating assets to spending them. The group has an in-depth conversation as to why a comprehensive financial plan can be an asset to managing the financial and emotional components of retirement income and expenses. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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Bulls, Bears, and Pigs
12/06/2024
Bulls, Bears, and Pigs
Bulls, Bears, and Pigs – After two years of strong market gains, many investors are wondering if a decline in stock prices is on the horizon. Chris Boyd, Jeff Perry and Russ Ball discuss market history and what constitutes normal market behavior. Jeff shares a personal financial move he recently made and reminds listeners of the old saying that “Bulls make money, Bears can make money, and Pigs get slaughtered.” Chris shares his guidance on having the proper allocations considering your risk tolerance. The trio also discusses a pension question and how other issues like health insurance and legacy planning play into the decision-making process for your pension options. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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Beware of Frauds and Scams
12/02/2024
Beware of Frauds and Scams
Beware of Frauds and Scams – Chris Boyd and Jeff Perry focus this episode with an update on recent methods that criminals are using to steal your funds and your identity. Chris and Jeff begin by discussing the growing use of Artificial Intelligence (AI) to trick victims into providing personal information. Other topics covered are spoofing, phishing, and customer service fakes. The conversation turns to methods to safeguard against becoming an identity theft victim, including credit freezes, requesting fraud alerts, enrolling in multifactor authentication, and checking your bank and credit card statements. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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Small Business Saturday and Giving Tuesday
11/29/2024
Small Business Saturday and Giving Tuesday
Small Business Saturday and Giving Tuesday – With the holiday season being in full swing, Chris Boyd, Jeff Perry, and Russ Ball start of with a discussion on how to manage the financial pressures that many people face during the holiday season. Jeff shares his thoughts on budgeting and low-cost gift giving. Chris next emphasizes the importance of supporting local businesses during the holiday shopping season. The dialogue flows to the dominance of online shopping. The trio discuss Giving Tuesday and Chris outlines various financial and tax planning techniques which allow for the most efficient and effective charitable giving. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
/episode/index/show/somethingmorewithchrisboyd/id/34187130
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Mail Bag with Brian Regan; pros and cons of concentration
11/25/2024
Mail Bag with Brian Regan; pros and cons of concentration
Mail Bag with Brian Regan – Senior Portfolio Manager Brian Regan joins Jeff Perry and Russ Ball to answer client questions. The episode begins with Brian responding to a 70-year-old client who has approximately $100K in Verizon stock and very much enjoys the dividend of 6.5%. Brian provides the pros and cons of having such a concentrated position. The next client question comes from a couple in their 40’s who are saving for retirement primarily using 401Ks. They want to know if they should add international stock funds to their retirement accounts. Brian shares why this is a good idea despite a recent history of lagging returns for international funds. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the following link: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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The Future of You
11/22/2024
The Future of You
The Future of You – Co-founders of “The Future of You” Nan Ives and Lisa Stornaielo join Jeff Perry and Russ Ball for a non-financial planning discussion focusing on how someone in retirement should Rebalance Your Life, Connect to Your Purpose, Activate “ReTRYmen” and Launch Your Life Plan. Nan and Lisa share their experiences with how their clients work through the opportunities and challenges they face when they step away from their full-time careers. To find out more about The Future of You, click the link below: The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
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Lessons from Clients
11/18/2024
Lessons from Clients
Lessons from clients – Chris Boyd, Jeff Perry, and Russ Ball review a variety of commonly discussed client financial planning issues. With the rise of stock prices in companies such as Nvidia, some investors find themselves with a sizable portion of their investment portfolio concentrated in a single holding. Chris leads the discussion of the best moves for such investors. The trio next reviews the challenges many people face in accurately predicting their retirement cash flow. The trio discusses challenges and methods of putting together an accurate financial plan. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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Year-end tax planning
11/15/2024
Year-end tax planning
Year-end tax planning – With the end of the calendar year fast approaching, Chris Boyd, Jeff Perry, and Russ Ball discuss strategic tax planning topics. Topics covered include, RMDs, charitable giving, tax-loss harvesting, IRA contributions, tax deductions, and long-term tax planning. For listeners who would like a complimentary 2024 Tax Planning Checklist, they may contact Team AMR at the link below. The AMR Team is seeking your opinions on the Something More podcast. To participate in our survey, please click the link below: For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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Where are Mortgage Rates headed?
11/11/2024
Where are Mortgage Rates headed?
Where are Mortgage Rates headed? – Robert Foos, President of Sparrow Mortgage discusses the current state of the home mortgage market with Chris Boyd and Jeff Perry. The conversation starts off with the likely impacts for mortgage rates due to the recent election. Robert answers questions regarding the mortgage application process, debt to income ratios, types of income that qualify for a mortgage, self-employment situations, and programs for first time homebuyers. At the end of the segment, Robert mentions community events in the Falmouth area that he is involved with (see links below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: To reach Robert Foos, Sparrow Mortgage, or the events mentioned, see the links below: Katie's Cure Sip & Shop Small www.facebook.com/photo/?fbid=1072818018186092&set=pb.100063737103399.- 2207520000
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The Case for International Investing with Nick Paul, MFS
11/08/2024
The Case for International Investing with Nick Paul, MFS
The Case for International Investing with Nick Paul, MFS – Nicholas J. Paul, CFA who serves as the Equity Portfolio Manager for MFS joins Chris Boyd and Jeff Perry for an in-depth discussion about using mutual funds for international investing. Related topics covered include the potential impacts from the recent election, the growing national debt, tariffs, deglobalization, emerging markets, and currency risk. During the episode Chris and Nick also discuss the benefits of active management for international investing. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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Meaning of Money
11/04/2024
Meaning of Money
Meaning of Money – Cohen Taylor and Wendell Clarke join Chris Boyd and Jeff Perry for a dynamic conversation about the Meaning of Money. This episode is about a lot more than counting the dollars! Topics discussed include, why we give money meaning, money and emotion, money and relationships, identifying influences/origins of money messages, illustrating impact of money messages on financial behaviors, and highlighting impact on advisor/client relationship. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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RMD’s and things to remember
11/01/2024
RMD’s and things to remember
RMD’s and things to remember – Just back from the Ed Slott conference in San Diego, Chris Boyd shares a variety of tax and financial planning topics with co-host Jeff Perry. The conversation begins with brief commentary on the upcoming elections. Next Chris shares detailed lessons about Required Minimum Distributions. The dialogue transitions to items to consider before the end of the year, including retirement contributions, Roth conversions, charitable giving and QCD’s. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.wealthenhancement.com/s/advisor-teams/amr
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Election and Investing
10/28/2024
Election and Investing
Election and Investing – Senior Portfolio Manager Brian Regan joins Jeff Perry for a lively discussion about how the upcoming election may impact the markets and investors. The podcast starts out with a review of how the stock market has performed under prior Presidents. Brian shares detailed commentary of the likely economic outcomes of a Trump or Harris presidency. Jeff and Brian dig into issues of tax policy, deficit spending, employment, tariffs, and geo-politics. For more information or to reach Chris Boyd, Brian Regan or Jeff Perry, click the below link:
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Retirement Confidence
10/25/2024
Retirement Confidence
Retirement Confidence – In this episode, Chris Boyd and Jeff Perry discuss the 34th Annual Retirement Confidence Survey conducted by the Employee Benefit Research Institute and Greenwald Research. Chris and Jeff dig into topics surveyed which include responses about Social Security, pensions, IRAs/401Ks, inflation, working after retirement and various expected sources of income. The discussion goes off on a tangent as the pair discuss the non-financial aspects of retirement planning. Chris also invites you to join him at an upcoming seminar titled “Your Retirement Countdown”. Click the link below to read the entire Retirement Conference Survey: https://www.ebri.org/docs/default-source/rcs/2024-rcs/2024-rcs-release- report.pdf?sfvrsn=2447072f_2 For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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End of Year Planning
10/21/2024
End of Year Planning
End of Year Planning – Chris Boyd and Jeff Perry review financial planning and tax strategies investors may wish to consider prior to the end of the year. Topics discussed are RMD’s, estate planning, life insurance, charitable giving, deferring income, accelerating expenses, capital gains/loss harvesting and Roth conversions. Chris also reminds everyone why it is important to check and update your beneficiaries. Chris and Jeff also inform listeners of the new AMR Team office location in Hyannis and discuss the recent Grand Opening ceremony. For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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College Planning – Part 2
10/18/2024
College Planning – Part 2
College Planning – Part 2 – Chris Boyd and Jeff Perry introduce part two from their recent College Planning webinar. In this segment, Chris and Jeff introduce Cozy Wittman of College Inside Track. Cozy offers her thoughts on how to find the best “fit” for your student in the college selection. In addition, Cozy outlines the financial aid process and dispels some commonly held beliefs of which colleges may be the best value. Cozy also explains the FAFSA process and offers her advice as to what students and families should do with the announcement of the FAFSA opening delay. To watch the entire College Planning webinar, click the link below: For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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College Planning – Part 1
10/14/2024
College Planning – Part 1
College Planning – Part 1 – Chris Boyd and Jeff Perry introduce the first of two episodes from their recent College Planning webinar. In this segment, Chris and Jeff discuss the current and future cost of college and whether college is still worth the cost. Chris and Jeff then turn to the different ways to save and invest for future college expenses. The conversation focuses on the use of 529 plans. Jeff highlights why grandparents may be the best choice to set up a 529 plan. Chris and Jeff discuss what happens to 529 plan funds if they are not needed for college expenses. To watch the entire College Planning webinar, click the link below: For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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The Survey Says; Retirement Lifestyle Study
10/11/2024
The Survey Says; Retirement Lifestyle Study
The Survey Says – Aya Yoshioka CFA of Wealth Enhancement joins Chris Boyd and Jeff Perry to discuss the findings of Wealth Enhancement’s recent Retirement Lifestyle Study (linked below). The conversation begins with the survey’s top political concerns of the respondents as being inflation and taxes. Aya answers questions of the significance of elections and the stock market. Jeff outlines the lifestyle and happiness survey data among different generations. Chris asks Aya for her thoughts on the various geo-political events and how they could impact investors. https://www.wealthenhancement.com/s/blog/retirement-lifestyle-survey- MC5U5DUQSIRZCBLLM7CYSIKO6YLM For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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Does China care about our elections?
10/07/2024
Does China care about our elections?
Does China care about our elections? – China expert and Attorney Andrew Singer joins Chris Boyd and Jeff Perry for a timely discussion of whether China really cares who wins elections in the United States or is China most interested in division and disruption? In addition to the U.S. Election, Andrew responds to questions about Chinese life & culture, tariffs, and alliances with North Korea and Russia. Andrews also offers commentary concerning China’s conflicts in the region, including the Philippines, Vietnam and India. For a related recent article by Andrew Singer, click the link below: For more information or to reach Chris Boyd or Jeff Perry, click the below link:
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Critical Financial Steps to Take Before You Retire
10/04/2024
Critical Financial Steps to Take Before You Retire
Critical Financial Steps to Take Before You Retire – Chris Boyd and Jeff Perry discuss a list of items that should be considered before you retire. On the top of the list is figuring out what role working part-time will play after you retire from your fulltime work. The conversation turns to Social Security planning and how it fits into the overall retirement income puzzle. Jeff warns listeners of the impact of failing to plan for future inflation. Chris shares his thoughts why it is so critical to identify your own retirement income style before you retire and suggests that people should practice spending in the context of your retirement budget. The last step people should take as they are approaching retirement is to start structuring their portfolio for retirement. Chris summarizes why all these items are critical to a successful financial plan. Please see below links to two related articles reference in this podcast. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.gobankingrates.com/retirement/planning/ways-retirees-can-be-better- prepared-when-inflation-skyrockets/
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Why Investors Missed Out on 15%
09/30/2024
Why Investors Missed Out on 15%
Why Investors Missed Out on 15% – Chris Boyd and Jeff Perry open this episode with an update on the opening of a new office location in Hyannis for the AMR Team. They also discuss the recent Federal Budget deal and what it may mean after the November election. Chris and Jeff next review a recent Morningstar article titled “How can investors capture a greater share of their funds total returns in the future” (see link to the article below). The dialogue shifts to an in-depth look at how behavioral and psychological factors can harm investment performance. The conversation also includes an overview of the financial principles of asset allocation, diversification, and rebalancing. For more information or to reach Chris Boyd or Jeff Perry, click the below link: https://www.morningstar.com/personal-finance/fund-investors-who-kept-it-simple- captured-more-return
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10 Ways Retirees Can Be Better Prepared When Inflation Skyrockets
09/27/2024
10 Ways Retirees Can Be Better Prepared When Inflation Skyrockets
10 Ways Retirees Can Be Better Prepared When Inflation Skyrockets – Jeff Perry asks Chris Boyd about a recent news article that Chris was quote in. The GoBankingRates article discusses how retirees can be prepared for inflation with forward thinking and some simple financial strategies (see article at the link below). Topics covered include Designing Your Retirement Portfolio Intentionally & Asset Allocation, Delaying Social Security If You Can, Considering Part-Time Work, Not Chasing Income, Revisiting Your Medicare Plan, Considering Downsizing or Relocating, Cutting Overlooked Expenses, and the question of Should You Drop Your Life Insurance. Chris closes out the podcast with a reminder of the upcoming College Planning webinar scheduled for September 24th (see link below) For more information or to reach Chris Boyd or Jeff Perry, click the below link: To register for our College Planning Webinar, click the link below:
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The Fed, Interest Rates, and the Market
09/23/2024
The Fed, Interest Rates, and the Market
The Fed, Interest Rates, and the Market – Senior Portfolio Manager Brian Regan joins Chris Boyd and Jeff Perry for a lively discussion about the recent interest rate cut by the Federal Reserve. Chris asks Brian about the normalization of the yield curve and what it may be telling investors. Brian also responds to Jeff’s questions regarding fixed income investing and whether the utility sector remains attractive after recent gains. Chris closes out the podcast with a reminder of the upcoming College Planning webinar scheduled for September 24 th (see link below) For more information or to reach Chris Boyd or Jeff Perry, click the below link: To register for our College Planning Webinar, click the link below:
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Planning Retirement Income
09/20/2024
Planning Retirement Income
Planning Retirement Income – Chris Boyd begins this episode with a reminder of the upcoming webinar on college planning (see link below). Jeff Perry joins Chris to delve into the complicated subject of planning income for your retirement. The discussion starts with a review of how pensions and social security can serve as the base of retirement income. The conversation turns to the different methods of sequencing withdrawals from taxable and non-taxable accounts and the consideration of income taxes. Other topics covered are Roth IRAs, owning the stock in a company you have worked for, using dividends for income, issues with buying an annuity and required minimum distributions. For more information or to reach Chris Boyd or Jeff Perry, click the below link: To register for our College Planning Webinar, click the link below:
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What’s moving the markets now?
09/16/2024
What’s moving the markets now?
What’s moving the markets now? The stock market has felt a bit like a rollercoaster lately. Join Chris Boyd and Jeff Perry as they discuss the issues impacting the markets. Topics include the seasonality of the stock market, the November election, potential of a government shut down, economic reports of the CPI, PPI, and unemployment, and the upcoming decision by the Federal Reserve on interest rates. Also, Chris and Jeff opine on the recent Presidential debate and share their thoughts about the questions they wish had been asked by the moderators. Chris reminds listeners of the upcoming webinar on college planning (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: To register for our College Planning Webinar, click the link below:
/episode/index/show/somethingmorewithchrisboyd/id/33048197
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Mail Bag; SIPC Coverage, SS Survivor Benefits, Retirement Second Opinions, Super-Funding a 529 Plan
09/13/2024
Mail Bag; SIPC Coverage, SS Survivor Benefits, Retirement Second Opinions, Super-Funding a 529 Plan
Mail Bag (release on 9/12/24) – In this episode, Chris Boyd and Jeff Perry dig into the Team AMR Mail Bag and discuss questions and issues from clients and listeners. In a fast-paced and sometimes humorous conversation, Chris and Jeff handle questions related to SIPC coverage, Social Security Survivor benefits, how Social Security fits into a comprehensive financial plan, seeking a second opinion on retirement planning, and super-funding a 529 plan. In addition, Jeff and Chris discuss their upcoming College Planning Webinar (see link below). For more information or to reach Chris Boyd or Jeff Perry, click the below link: To register for our College Planning Webinar, click the link below:
/episode/index/show/somethingmorewithchrisboyd/id/32800892
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Aging Plans with Annalee Kruger
09/09/2024
Aging Plans with Annalee Kruger
Aging Plans with Annalee Kruger– Chris Boyd and Jeff Perry welcome Annalee Kruger of Care Right, Inc., and co-owner of Plan4LifeNow to this episode for an important discussion of when and how a comprehensive Aging Plan should be developed. Topics covered include “Red Flags” that family members should look for with aging family members, when and how to step in and offer assistance, caregiver burnout, emotional issues and financial considerations. Annalee also offers her commentary on the current status and future outlook of senior care options. For information on Annalee’s book, please click the link below: For more information or to reach Chris Boyd or Jeff Perry, click the below link: To register for our College Planning Webinar, click the link below:
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