The Long Term Investor
We all need to make smart decisions with our money. The Long Term Investor shows you how to do it. Hosted by the Chief Investment Officer at Plancorp and author of “Making Money Simple,” Peter Lazaroff distills complex financial matters into easily digestible lessons. If you’re ready to get a clear plan for your investments and personal finances, you’re in the right place.
info_outline
Financial Planning for Female Breadwinners ft Sara Gelsheimer (EP.149)
04/24/2024
Financial Planning for Female Breadwinners ft Sara Gelsheimer (EP.149)
This episode welcomes back Sara Gelsheimer, Senior Wealth Manager at Plancorp, to discuss the challenges and strategies for female breadwinners, balancing career and family, and the importance of integrating mental wellness into financial planning. Listen now and learn: The importance of becoming more involved and confident in your financial life Practical strategies to negotiate better work-life balance. The importance of education, asking questions, and the role of effective communication in financial planning Visit for show notes, free resources, and a place to submit questions. (02:04) Empowering Women in Finance (05:54) Challenges for Female Breadwinners (08:34) Tailored Financial Planning for Women (09:09) Balancing Career and Family as a Working Mom (14:37) Financial Planning Strategies for Women Leading Financially (21:59) Integrating Mental Wellness into Financial Planning (24:00) Emerging Financial Trends and Advice for Women
/episode/index/show/thelongterminvestor/id/30941598
info_outline
Investing at All-Time Highs and Preparing For the Next Market Crash (EP.148)
04/17/2024
Investing at All-Time Highs and Preparing For the Next Market Crash (EP.148)
Originally aired on The Best Interest Podcast, Peter shares insights on why all-time highs are more common than one might think, the importance of maintaining a long-term perspective, and why trying to time the market is an unwise strategy. Listen now and learn: How often you should expect corrections and bear markets The primary long-term driver of stock returns The importance of understanding the conflicts of experts giving advice Visit for show notes, free resources, and a place to submit questions. [02:25] Investing at All-Time Highs [04:47] Market Cycles and Volatility [11:20] The Limits of Market Timing [17:52] The Cyclical Nature of Stocks [24:19] The Connection Between Stocks and Earnings
/episode/index/show/thelongterminvestor/id/30750513
info_outline
What is the Retirement Podcast Network? ft Taylor Schulte and Benjamin Brandt (EP.147)
04/10/2024
What is the Retirement Podcast Network? ft Taylor Schulte and Benjamin Brandt (EP.147)
Taylor Schulte and Benjamin Brandt join the show to talk about the Retirement Podcast Network and share valuable perspectives on various retirement-related topics. Listen now and learn: How to leverage the Retirement Podcast Network to enhance your retirement readiness The major pain points retirees and those planning for retirement face Diverse ideas on how to approach advanced retirement planning strategies Visit for show notes, free resources, and a place to submit questions. 02:34 Origin of the Retirement Podcast Network 07:09 Retirement Planning Beyond Investing 10:18 Retirement Income Strategies 14:10 Strategic Roth Conversions Are Great, But Not Everything 17:36 Long-Term Care Planning 20:58 Future Content Hubs at Retirement Podcast Network
/episode/index/show/thelongterminvestor/id/30687358
info_outline
Is the S&P 500 Too Concentrated? (EP.146)
04/03/2024
Is the S&P 500 Too Concentrated? (EP.146)
In this episode, we delve into the complexities of the S&P 500's index concentration, spotlighting the unprecedented impact of the 'Magnificent 7' on market dynamics and investor strategies. Listen now and learn: The historical context and current state of S&P 500 market concentration. Diversification strategies for mitigating investment risks associated with the 'Magnificent 7' How the performance of equal-weighted vs. market-cap-weighted indices offers insight on today’s market health and investment opportunities. Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/30649643
info_outline
Behind The Scenes: How Peter Views Portfolio Construction (EP.145)
03/27/2024
Behind The Scenes: How Peter Views Portfolio Construction (EP.145)
In this episode, Peter shares his interview from Investipal’s Podcast about all things portfolio construction and investment management. Listen now and learn: How Peter thinks about designing portfolios When to think about deviating from an index strategy Novel ways to remove bias from a portfolio decision Visit for show notes, free resources, and a place to submit questions. Episode Timestamps: (02:59) Portfolio Construction Philosophy (12:16) Quantitative vs. Fundamental Approach (30:45) Reducing Emotional Biases
/episode/index/show/thelongterminvestor/id/30396413
info_outline
Why You Must Take Capital Gains to Rebalance Your Portfolio (EP.144)
03/20/2024
Why You Must Take Capital Gains to Rebalance Your Portfolio (EP.144)
When it comes to the disciplined approach of portfolio rebalancing, investors often find themselves in a conundrum, particularly with the necessity of realizing capital gains. This episode explores the tradeoff between maintaining a strategic, long-term asset allocation versus a higher tax bill. Listen now and learn: Why many investors might soon need to realize some capital gains The importance of rebalancing and maintaining your target asset allocation Strategies to mitigate the tax impact of portfolio rebalancing Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/30391413
info_outline
How to Define What is “Enough” Financially with Manisha Thakor (EP.143)
03/13/2024
How to Define What is “Enough” Financially with Manisha Thakor (EP.143)
Manisha Thakor, author of MoneyZen: The Secret to Finding Your “Enough,” joins the show to share practical steps to embrace a life of “enough.” Listen now and learn: Strategies to resist societal pressures that equate success with perpetual accumulation. Ways to recognize when you have enough and how this realization can transform your approach to life and money. 7 steps for implementing a Joy-Based Spending program to maximize your happiness. Visit for show notes, free resources, and a place to submit questions. [02:51] Understanding Money Zen [05:21] How People End Up in the Cult of Never Enough [18:20] Science of Hustle and Work-Life Balance [23:30] How to Implement Joy-Based Spending
/episode/index/show/thelongterminvestor/id/30331423
info_outline
Why Nvidia's Boom Isn’t a Missed Opportunity (EP.142)
03/06/2024
Why Nvidia's Boom Isn’t a Missed Opportunity (EP.142)
In this episode, we delve into the heart of Nvidia’s recent surge and why it's not the missed opportunity it might seem. Listen now and learn: Nvidia’s role in the AI and tech boom Strategies to overcome feeling like you "missed an investment opportunity" Why you do not need to chase "hot stocks" to be a successful investor Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/30246253
info_outline
Evaluating Retirement Withdrawal Strategies with Christine Benz (EP.141)
02/28/2024
Evaluating Retirement Withdrawal Strategies with Christine Benz (EP.141)
In this episode, we’re joined by Christine Benz, Director of Personal Finance at Morningstar, who shares fascinating insights from her latest co-authored paper: "The State of Retirement Income 2023." Listen now and learn: Motivations for safe withdrawal rate research Nuances of the 4% withdrawal rule Implications of today’s environment for retirement spending strategies Visit for show notes, free resources, and a place to submit questions. 02:28 Motivation Behind the Research 03:54 The 4% Withdrawal Rule: An Overview and Its Shortcomings 07:15 Variables Impacting the Ideal Withdrawal Rate 12:45 The Impact and Value of Early Financial Gifts 17:16 The Advantage of Dynamic Spending Strategies 21:07 Upcoming Book: "How to Retire – 20 Lessons for a Happy, Successful, and Wealthy Retirement"
/episode/index/show/thelongterminvestor/id/30117173
info_outline
5 Reasons You Need a Financial Plan That Have Nothing to Do With Money (EP.140)
02/21/2024
5 Reasons You Need a Financial Plan That Have Nothing to Do With Money (EP.140)
You need money for everything, but money isn’t everything. That’s why there are a number of non- financial reasons you ought to embrace financial planning. Listen now and learn: How blueprinting your life goes beyond a budget How financial planning can strengthen your bond with loved ones How a financial plan turns time from a fleeting resource into a strategic asset Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/30019333
info_outline
Advanced Executive Compensation Strategies With Derek Jess (EP.139)
02/14/2024
Advanced Executive Compensation Strategies With Derek Jess (EP.139)
The conversation continues with Derek Jess, Senior Wealth Manager and Shareholder at Plancorp, who returns to delve deeper into executive compensation planning strategies. Listen now and learn: Key strategies for deferred compensation plans Advanced strategies for exercising stock options The important nuances of establishing a 10b5-1 plan Be sure to also check out last week’s episode with Derek about . [02:00] Advanced Deferred Compensation Planning Strategies [11:35] Advanced Strategies for Exercising Stock Options [16:20] Understanding AMT Planning for Incentive Stock Options [21:25] The Importance of Setting a 10b5-1 Plan Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/29832213
info_outline
Equity Compensation Strategies: Everything You Need to Know With Derek Jess (EP.138)
02/07/2024
Equity Compensation Strategies: Everything You Need to Know With Derek Jess (EP.138)
Derek Jess, Senior Wealth Manager and Shareholder at Plancorp, shares his vast knowledge of integrating equity and executive compensation into comprehensive financial planning strategies. Listen now and learn: The essential considerations and tax implications for incorporating equity compensation into your financial plan Unique risks faced by employees with large company stock positions A systematic approach to managing company stock Visit for show notes, free resources, and a place to submit questions. [2:17] Understanding Deferred Compensation [3:43] Equity Compensation and Vesting Schedules [6:01] Restricted Stock vs. Stock Options [9:21] Tax Implications of Stock Options [14:05] Employee Stock Purchase Plans [17:36] Concentrated Stock Positions and Risks [21:05] Integrating Company Stock in Financial Planning [33:06] A Systematic Approach to Managing Company Stock
/episode/index/show/thelongterminvestor/id/29829383
info_outline
Investing in Stocks at All-Time Highs (EP.137)
01/31/2024
Investing in Stocks at All-Time Highs (EP.137)
Peter provides a data-driven analysis of what investing in stocks at an all-time high means for investors today. Listen now and learn: The significance of all-time highs in the stock market How current dynamics fit into the natural growth cycle of the market Insights into balancing risk and opportunities that lead to confident investment decisions Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/29707203
info_outline
Decoding 2024's Investment Landscape with Callie Cox (EP.136)
01/24/2024
Decoding 2024's Investment Landscape with Callie Cox (EP.136)
Callie Cox, an acclaimed investment analyst, shares her expertise on navigating the complexities of the financial world in 2024. Tune in for an enlightening discussion that blends technical analysis with practical advice for both seasoned and aspiring investors. Listen and learn: What sparked the year-end rally and what to expect in 2024 Key insights from eToro’s Retail Investor Survey What to expect from Big Tech in 2024 Detailed show notes and resources can be accessed at . [1:30] Reflecting on the Fourth Quarter 2023 Rally [9:30] Market Leadership and Trends [15:10] The Surge in Money Market Fund Flows [19:20] The Case For Optimism in 2024 [22:50] Insights from eToro’s Retail Investor Survey [29:15] Potential Impact of a Bitcoin ETF
/episode/index/show/thelongterminvestor/id/29602083
info_outline
Bitcoin ETF’s Are Here, Should You Invest? (EP.135)
01/17/2024
Bitcoin ETF’s Are Here, Should You Invest? (EP.135)
This episode explores the groundbreaking approval of spot price bitcoin ETFs by the SEC. Understand the impact of this development on investors Listen now and learn: How spot price bitcoin ETFs differ from previous bitcoin ETF products The nuances of popular bitcoin investment theses Important questions to ask prior to investing in bitcoin Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/29494988
info_outline
Mastering Change in Life and Work ft. Brad Stulberg (EP.134)
01/10/2024
Mastering Change in Life and Work ft. Brad Stulberg (EP.134)
This episode features a deep conversation with renowned author and coach Brad Stulberg, exploring the intricate dynamics of mastering change in both personal and professional spheres. Drawing from Stulberg’s latest book, “Masters of Change: How to Excel When Everything is Changing – Including You,” they delve into the science behind change and how individuals can navigate change effectively. Listen now and learn: How embracing change paves the path to true stability Way to achieve rugged flexibility Why core values play an essential role as anchors amidst change Visit for show notes, free resources, and a place to submit questions. [2:14] The Science of Change [7:20] Rugged Flexibility and The Importance of Core Values [16:00] How a Diversified Identity Reduces Fear and Increases Resilience [22:15] Tragic Optimism [28:20] Reacting vs Responding to Change
/episode/index/show/thelongterminvestor/id/29390848
info_outline
Setting Meaningful Money Resolutions (EP.133)
01/03/2024
Setting Meaningful Money Resolutions (EP.133)
In this episode, we explore setting financial goals that transcend mere numbers. Listen now and learn: Why most money goals aren’t aligned with holistic wealth How to set meaningful financial goals Ways to align your spending with those goals Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/29281508
info_outline
Investing in Retirement (Rewind) (EP.132)
12/27/2023
Investing in Retirement (Rewind) (EP.132)
This is the sixth episode of the Investing By Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. As you retire and transition from saving to spending, there are several unique planning opportunities and challenges that arise. Listen now and learn: How to simplify your investments Strategies for minimizing your total lifetime tax bill Different ways to navigate healthcare costs To listen to the entire 6-part series this episode aired with, visit and listen to: You’ll also find all the show notes, free resources, and links mentioned in this episode.
/episode/index/show/thelongterminvestor/id/28677638
info_outline
Investing in Your 60s (Rewind) (EP.131)
12/20/2023
Investing in Your 60s (Rewind) (EP.131)
This is the fifth episode of the Investing By Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. In your 60s, retirement is approaching quickly. The decisions you make in the few years leading up to retirement and the first few years of retirement are potentially the most impactful financial decisions of your lifetime. Listen now and learn: How to prepare for market downturns before retirement A simple strategy for projecting future expenses Where to download a comprehensive retirement readiness checklist To listen to the entire 6-part series this episode aired with, visit and listen to: You’ll also find all the show notes, free resources, and links mentioned in this episode.
/episode/index/show/thelongterminvestor/id/28677613
info_outline
Investing in Your 50s (Rewind) (EP.130)
12/13/2023
Investing in Your 50s (Rewind) (EP.130)
This is the fourth episode of the Investing By Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. Your 50s are the time you have the highest earnings and ability to save, so it’s time to make the most of it. Listen now and learn: How to take advantage of your peak earning years Ways to eliminate unnecessary investment risks Why you may need to update your retirement goals Two important reasons to rethink your asset allocation in your 50’s To listen to the entire 6-part series this episode aired with, visit and listen to: You’ll also find all the show notes, free resources, and links mentioned in this episode.
/episode/index/show/thelongterminvestor/id/28677568
info_outline
Investing in Your 40s (Rewind) (EP.129)
12/06/2023
Investing in Your 40s (Rewind) (EP.129)
This is the third episode of the Investing By Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. As you move into your peak earning years, it’s all about making smart decisions right now. Listen now and learn: How to optimize your retirement savings Ideas for strategically investing for education costs 5 estate planning documents you need to get To listen to the entire 6-part series this episode aired with, visit and listen to: You’ll also find all the show notes, free resources, and links mentioned in this episode.
/episode/index/show/thelongterminvestor/id/28677508
info_outline
Investing in Your 30s (Rewind) (EP.128)
11/29/2023
Investing in Your 30s (Rewind) (EP.128)
This is the second episode of the Investing by Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. Your 30s are the time to begin building lasting wealth to meet life’s growing demands. Listen now and learn: Best practices for consolidating your investments How to prioritize paying down debt vs investing goals The 3 essential components to protecting you against the unexpected To listen to the entire 6-part series this episode aired with, visit and listen to: You’ll also find all the show notes, free resources, and links mentioned in this episode.
/episode/index/show/thelongterminvestor/id/28677483
info_outline
Investing in Your 20s (Rewind) (EP.127)
11/22/2023
Investing in Your 20s (Rewind) (EP.127)
This is the first episode in the Investing by Age series. The episode originally aired in July of 2022 in a six-part series. Although this is a replay, the content shared is just as relevant today and important to consider for your finances. The financial decisions you make in your 20s are arguably more impactful than any other time in your life because of the time your decisions have to compound. Listen now and learn: Why it’s important to start investing now The essential elements to investing in your 20s The most important thing to avoid in your investments To listen to the entire 6-part series this episode aired with, visit and listen to: You’ll also find all the show notes, free resources, and links mentioned in this episode.
/episode/index/show/thelongterminvestor/id/28677423
info_outline
25 Financial Thought Leaders Define “What Does It Mean To Be A Long-Term Investor? (EP.126)
11/15/2023
25 Financial Thought Leaders Define “What Does It Mean To Be A Long-Term Investor? (EP.126)
What does it mean to be a long-term investor? In this special mash up episode, all the show’s guests from the past year weigh in. Listen now to hear from Ben Carlson, Taylor Schulte, Burton Malkiel, Phil Huber, Rubin Miller, Dasarte Yarnway, Robin Powell, Brian King, Jeremy Schwartz, Rick Ferri, Mike Piper, Carl Richards, Ashby Daniels, Polina Pompliano, Mathieu Pellerin, John Jennings, Cait Howerton, Tyler Olson, Jesse Cramer, Meir Statman, Susan Jones, Hal Hershfield, William Bernstein, and Peter Lazaroff. Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/28619613
info_outline
Why Recessions Are So Hard To Predict with Morgan Housel [LIVE] (EP.125)
11/08/2023
Why Recessions Are So Hard To Predict with Morgan Housel [LIVE] (EP.125)
Recorded in front of a live audience for the CFA Society of Detroit’s Annual Luncheon, Morgan Housel shares key insights from his new book Same As Ever. Morgan Housel is a partner at the Collaborative Fund. His first book, The Psychology of Money, has sold over four million copies and has been translated into 53 languages. Listen now and learn: Why people get so focused on predictions How optimism and pessimism are needed for success The importance of stories in a world overflowing with data Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/28548770
info_outline
The Four Pillars of Investing ft. William Bernstein (EP.124)
11/01/2023
The Four Pillars of Investing ft. William Bernstein (EP.124)
William Bernstein, author of The Four Pillars of Investing, joins the show to talk about the most recent edition of his highly influential work. Listen now and learn: What are the four pillars of investing The history of risk and common traits of a bubble Potentially attractive segments of the market Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/28267754
info_outline
Form ADV: How to Research Financial Advisory Firms (EP.123)
10/25/2023
Form ADV: How to Research Financial Advisory Firms (EP.123)
Just as you'd scrutinize a potential new car's specs or a house's foundation, your investments deserve the same diligence. The Form ADV Part 2 offers a panoramic view into the inner workings of an advisory firm, from its business practices to the individuals pulling the strings behind the curtains. Listen now and learn: Where to find this important document Key points to examine carefully How to make well-informed decisions regarding financial relationships Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/28410971
info_outline
Connecting With Your Future Self to Make Better Decisions ft. Hal Hershfield (EP.122)
10/18/2023
Connecting With Your Future Self to Make Better Decisions ft. Hal Hershfield (EP.122)
Hal Hershfield is a Professor of Marketing, Behavioral Decision Making, and Psychology at UCLA’s Anderson School of Management. His research, which sits at the intersection of psychology and economics, examines the ways we can improve our long-term decisions. Listen now and learn: How our identities change over time Why our future self feels like a complete stranger Ways to make good long-term decisions easier on your current self Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/28267709
info_outline
What is Evidence-Based Investing? (EP.121)
10/11/2023
What is Evidence-Based Investing? (EP.121)
Dive into the world of evidence-based investing, where empirical research informs portfolio strategies. meets portfolio construction. This episode unravels the science behind applying successful investing strategies and avoiding mistakes that can hinder your financial growth. Listen now and learn: Foundational principles behind evidence-based investing Insights into optimizing your portfolio for long-term Ways to avoid the typical pitfalls of individual and professional investors Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/28270883
info_outline
Crucial Year-End Tax and Estate Planning Strategies with Plancorp’s Susan Jones (EP.120)
10/04/2023
Crucial Year-End Tax and Estate Planning Strategies with Plancorp’s Susan Jones (EP.120)
The time for year-end tax and estate planning is now, and this year it’s particularly important to get started as certain provisions from the Tax Cuts and Jobs Act will end soon. Plancorp’s Susan Jones, JD, CFP joins the show to explain these important planning opportunities that deserve your attention before the end of the year. Listen now and learn: The role tax projections play in long-term financial planning Multi-year planning opportunities for retirees, people with stock options, and business owners Potential impact of changing tax laws on the horizon Visit for show notes, free resources, and a place to submit questions.
/episode/index/show/thelongterminvestor/id/27937035