Episodios

  • 4-14-26 Are Financial Advisor Fees Really Worth It?

    4-14-26 Are Financial Advisor Fees Really Worth It?
    Apr 14 2026
    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
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    48 m
  • 4-14-26 Buy Signal Is Back - But Don't Chase | Before the Bell

    4-14-26 Buy Signal Is Back - But Don't Chase | Before the Bell
    Apr 14 2026
    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
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    4 m
  • 4-13-26 The S&P 500 Rally: What Comes Next?

    4-13-26 The S&P 500 Rally: What Comes Next?
    Apr 13 2026
    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
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    50 m
  • 4-13-26 Back Above 200-DMA? | Before the Bell

    4-13-26 Back Above 200-DMA? | Before the Bell
    Apr 13 2026
    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
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    6 m
  • 4-10-26 What To Do After You Inherit Money

    4-10-26 What To Do After You Inherit Money
    Apr 10 2026
    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
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    51 m
  • 4-9-26 US–Iran Deal: What Investors Must Watch Next

    4-9-26 US–Iran Deal: What Investors Must Watch Next
    Apr 9 2026
    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
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    46 m
  • 4-9-26 Oil vs Markets: The Ceasefire Test | Before the Bell

    4-9-26 Oil vs Markets: The Ceasefire Test | Before the Bell
    Apr 9 2026
    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
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    7 m
  • 4-8-26 Starter Home vs Renting: The Real Money Decisions

    4-8-26 Starter Home vs Renting: The Real Money Decisions
    Apr 8 2026
    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
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    50 m