The Real Investment Show Podcast

Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- 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/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer

Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- 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/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement

Are passive investors really passive? Not anymore. Lance Roberts & Michael Lebowitz break down how index funds and ETFs — the tools designed for patient, long-term investing — have quietly become weapons of short-term speculation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:03 - Good Economic News Under the Surface 4:26 - Out of the Frying Pan, Into the Fire... 6:15 - Wait for Market to Declare Direction 10:49 - Economic Improvement Puts the Fed in a Box 14:14 - What's Going to Happen to Yields? 15:38 - Risk Management Matters 16:59 - Narratives Work Both Ways 20:28 - Cheerios & Lucky Charms' 21:59 - Passive-Aggressive Markets 25:17 - The Rotation of Assets 29:34 - Taking Stock of Volatility 33:01 - Retail Investors are Trading the Market 34:07 - Options Trading - Much more speculative 39:49 - Fixed Income, Bonds, & Yields ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/jbpipFjnakQ ------- Watch our previous show, "Q & A Wednesday: Ask Us Anything," here: https://youtube.com/live/uFdhcR6QBKI -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- 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/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals #PassiveInvesting #ETFStrategy #IndexFunds #SectorRotation #JohnBogle

Markets clawed back above the 100-Day Moving Average — but don't celebrate just yet. In today's pre-market update, we break down what this recovery means, why we're still on a sell signal, and what it will take for bulls to truly regain control. 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/MntZ-KayzxA --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #PreMarket #StockMarket #MovingAverage #MarketAnalysis #TradingSignals

Are you watching the market and wondering what's really going on? Lance Roberts & Danny Ratliff dive straight into YOUR questions — pulled live from the chat — covering the stock market outlook, what sectors to watch, and how investors should be positioning right now. No fluff, no filler — just real talk about where the market's heading and what it means for YOUR portfolio. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:04 - Iran Air Force & War Impact on Oil 5:21 - This is a Good Time to Wait and See 10:51 - Two Moms on Money? 11:44 - Where will DXY g\o amid current conflict? 13:03 - Managing Risk in Chinese Tech Stocks 17:58 - Relative Risks of AAA-rated CLO's 20:54 - "Dumbing-down" the Private Credit Crisis 30:56 - Lasting Impacts on Commercial Real Estate 33:24 - Why the Downturn in Asian Markets? 34:27 - Financial Health of Open AI & Circular Financing 36:35 - Equity Income/Tax-advantaged ETF's 40:59 - Systematic Trading, Trend Following, & Tax Efficiencies 43:09 - Plunge Protection Team = Retail Traders 44:35 - Coming Attractions ------- Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/uFdhcR6QBKI ------- Watch our previous show, "Ten Immutable Laws of Money," here: https://youtube.com/live/Il8UfCCn0tE?feature=share -------- The latest installment of our new feature, Before the Bell, "D100-DMA: Hold or Fold? What Happens Today Changes Everything," is here: https://youtu.be/c7jD-q6_mY8 ------- 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/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook #StockMarket #InvestingTips #MarketOutlook #StockMarketToday #InvestSmart

The 100-day moving average has been the market's most critical support level since April 2025 — and this week, it's being tested again. After Monday's selloff on Middle East military escalation news, markets broke below the 100-DMA before quickly recovering above the 50- and 20-DMA. Tuesday opened ~2% below that key level, but buyers stepped in and pushed markets right back up to close AT the 100-DMA. Here's what most investors get wrong: when markets break a moving average, algorithmic trading programs and HFT systems are ALL watching the same level — and many are programmed to SELL at the 100-DMA. That's exactly what played out Tuesday. Don't panic-sell into that action. What to watch TODAY: ✅ If markets RECLAIM the 100-DMA → potential to re-enter the prior range ❌ If markets FAIL at the 100-DMA and turn lower → confirmed sell signal; time to reduce exposure and rebalance risk The bottom line: Don't make a move before today's close. Let the market tell you what it wants to do. 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/c7jD-q6_mY8 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #PreMarket #StockMarket #MovingAverage #TechnicalAnalysis #MarketOutlook

Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial success. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:04 - What Else is Going On Besides Iran? 10:11 - VIX is Rising as Markets Fall 14:38 - Spring Break & Adulting 15:23 - The Laws of Money 18:28 - Hard to Break Habits 19:46 - The Secret to Wealth 22:00 - Why We Invest 23:14 - Money Doesn't Grow on Trees 28:39 - Wants vs Needs 31:27 - Your life is Worth 80% 35:30 - Poor People are Debtors (You DO NOT need a Credit Card) 40:50 - Moral & Physical Hazards 43:15 - The Best Things in Life ARE Free 46:49 - Money Can't Buy Happiness... 53:22 - The Thing About Girl Scout Cookies ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Il8UfCCn0tE?feature=share ------- Watch our previous show, "Is the Market Topping? Iran, AI Chaos & the Signals You Can't Ignore," here: https://youtube.com/live/m3M6saceH5g?feature=share -------- The latest installment of our new feature, Before the Bell, "Dollar Surges, Markets Fall" is here: https://youtu.be/5Z7fb273clY ------- 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/ #PreMarket #StockMarketToday #MarketVolatility #DollarRally #TradingStrategy #PersonalFinance #WealthBuilding #MoneyTips #DebtFreeJourney #FinancialFreedom

Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear case in full. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 1:05 - Market Over Reaction to Iran Hits? 6:54 - The Potential for Building a Market Topping 13:27 - Impact of Oil Prices on Inflation 18:11 - The Energy Stocks Heat Map 20:40 - The Iran Situation 23:03 - Gauging the Risk 24:56 - The Bearish Scenario 29:23 - The Bullish Scenario 37:04 - What We're Doing Now 39:08 - Be Cautious With Positioning 42:12 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/m3M6saceH5g?feature=share ------- Watch our previous show, "Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets" here: https://youtube.com/live/dO3QPhf0rEs?feature=share -------- The latest installment of our new feature, Before the Bell, "Will Markets Hold 100-DMA?" is here: https://youtu.be/h0iV2DpbEq4 ------- 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/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket #StockMarket2026 #MarketTop #SP500Analysis #IranGeopolitics #AIStocks

Markets are at a critical level — here's what to watch before the open. The S&P is sitting on 100-day moving average support after three weeks of testing, and futures point to a ~1% gap down at the open. The key question: do markets close below the 100-DMA and confirm a topping process — or do bulls recover into the close? In this pre-market breakdown: 📉 100-DMA support test & topping pattern risk 📊 RSI declining + weakening momentum signals 💵 US Dollar strengthening amid global risk-off 🛢️ Crude oil spiking — what it means for inflation & yields 📈 Bonds overbought — is now the time to take profits? Yields are elevated and overbought. If oil prices feed into inflation, we could see yields push toward 4–4.1%, which may offer a better bond re-entry point on a reversal. Oil itself is overextended from long-term means — sustainability at these levels will be a challenge. ⚠️ This video is for informational and educational purposes only. Not financial advice. 🔔 Subscribe & hit the bell for daily pre-market analysis. 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/h0iV2DpbEq4 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #PreMarket #StockMarketToday #MarketAnalysis #CrudeOil #BondMarket

Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:19 - Go Texas Day & BBQ Perfume 3:16 - IRMAA Pain & Income in Retirement 7:18 - How IRMAA Tiers Work 9:38 - Ways to Manage IRMAA 13:23 - What Kind of Income Counts (Modified AGI) 18:07 - Having Money in ROTH (Diversification of Accounts) 20:22 - Planning Ahead Before Taking SS 22:59 - IRMAA Pain Early is Better 26:32 - Don't Let an IRMAA Bracket Go to Waste 29:08 - Considering Taxation & Attitude 34:21 - IRMAA Tiers & Financial Colonoscopy 38:03 - YouTube Poll & NYC Pizza Rats 41:19 - Can COBRA be used for IRMAA? 43:06 - Why Roth Money is Better 45:09 - Required Minimum Distributions & Charitable Contributions 47:51 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dO3QPhf0rEs?feature=share ------- Watch our previous show, "Software Stocks: Steal or Zero" here: https://youtube.com/live/6DavZVDY7OQ -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- 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/ #Medicare2026 #IRMAAAppeal #RetirementPlanning #MedicarePremiums #SocialSecurityBenefits

Is AI killing software stocks — or creating the buying opportunity of the decade? Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:49 - National Chili Day & Demise of Whataburger 3:04 - Nvidia & SalesForce Report 7:25 - Markets Are "Stable" 12:17 - Blizzards & Chili 13:21 - The Incredible Nvidia Numbers 15:37 - The Lack of Market Reaction to Nvidia Report 17:02 - Where Will the Capital Come From? 23:22 - Why the Market Isn't Enthusiastic (about Nvidia) 24:30 - SalesForce & The Software Apocalypse 30:15 - Who Will Survive? 33:13 - Will AI Create a New Spreadsheet 36:19 - Tariffs: Old vs New: Markets Are Calm 40:49 - Betting on Tariff Refunds? ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6DavZVDY7OQ ------- Articles Mentioned in Today's Show: "Software Stocks: Navigating The SaaSpocalypse" https://realinvestmentadvice.com/resources/blog/software-stocks-navigating-the-saaspocalypse/ ------- Watch our previous show, "Q & A Wednesday: Straight Talk About Your Money" here: https://youtube.com/live/oW7OkyOvYC4 -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- 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 #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Markets just triggered a momentum BUY SIGNAL — here's what you need to know before the open. On Wednesday, the S&P 500 cleared both the 20-day and 50-day moving averages, reaffirming market stability after days of choppy price action below key technical levels. Sector rotation is driving the move — money is flowing OUT of Energy and Staples and INTO Technology and Growth. But the broader picture still shows a consolidation range with a topping process underway. 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/tM0dk2oR0N4 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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/ #PreMarket #StockMarketToday #SectorRotation #SP500 #MomentumTrading

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- 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 #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Markets are carving a rolling top while holding firm support near the 100-DMA. The last week-plus has been choppy, with price repeatedly capped below the 20- and 50-DMAs. Tuesday's dip to the 100-DMA brought in buyers, pushing the market back toward the 50-DMA, and futures are higher this morning. If the market can close up around 0.25%, it could reclaim near-term resistance and set up a move back toward prior highs. But this remains a fickle, range-bound tape—so keep risk management tight. A clean break below the 100-DMA raises the odds of a quick 3%–5% downside move. 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/tiE6S1qaBn0 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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 #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement

Most investors don't realize how quickly a good plan can get derailed by one bad question: "What will your investments return this year?" Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with "Can you beat Treasuries this year?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:50 - E-books & Economic Data 2:53 - Will AI Lead to Next Period of Financial Instability? 5:33 - Market Fails at 20- 50-DMA 11:10 - Chasing Returns in 2026 12:31 - Index's Substitution Effect 16:39 - What About the Flat Market? 19:20 - Where Returns Come From... 23:07 - Generating 6% Return w Bonds Only? 27:38 - Making Money vs Keeping It 29:05 - Money is Emotional 30:43 - What Do You Do w Your $1Million? 34:17 - Markets Have Been Easy 35:46 - Markets' Extreme Deviations 40:50 - Mistakes In Chasing Benchmarks 43:24 - Why Root for Economic Failure? 45:22 - Set a Goal & Manage Risk ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iN9Pv2Thvbo ------- Watch our previous show, "Is China Really Dumping U.S. Treasuries?," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test: 5% Pullback Risk Rising," is here: https://youtu.be/FfqIQklIxcc ------- 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 #SP500 #MarketOutlook #Investing #RiskManagement #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection

On this day in 1836, the defenders of the Alamo were entering the second day of a siege that would ultimately define Texas history. Surrounded, outnumbered, and under pressure, they faced a critical reality: hold the line—or face the consequences. Markets aren't all that different right now. After failing at the 20- and 50-day moving averages, the S&P is once again leaning on a key level of support—the 100-day. That's your line in the sand. Momentum is weakening, internal breadth is deteriorating, and while the surface looks calm, the underlying currents are shifting. The question for investors this morning is simple: do buyers defend this level…or does support give way, opening the door to a deeper correction? 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/FfqIQklIxcc --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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 #SP500 #MarketOutlook #Investing #RiskManagement

Is China really "dumping" U.S. Treasury bonds—or is that headline missing key context? Lance Roberts examines what Treasury International Capital (TIC) data does (and doesn't) show, why China's reported holdings can shift for reasons that have nothing to do with panic selling, and how custody chains and financial centers can complicate the narrative. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:52 - What to Do w Tariffs Struck Down by SCOTUS 5:35 - GDP Weaker than Expected, except... 12:59 - Coming Attractions - Ten Laws of Money 16:27 - Chat Question: Is China Dumping U.S. Treasuries? 17:48 - The Problem w the Narrative & Lance in France 22:06 - China's Shift in Custodial Relationships 26:13 - Why Luxembourg & Belgium Matter 28:05 - How the Financial Plumbing Works 29:16 - Why They Buy Dollar-denominated Assets 31:55 - Dollar vs Euro Trade 32:48 - How Investors Should Look at U.S. Treasuries 34:08 - U.S. Treasuries Anchor Risk-free Pricing 37:20 - Portfolio is a Toolbox, not a Narrative 39:01 - Focus on the Risk that Matters 41:51 - Tariff Changes & Policy Risks 43:26 - Semper Gumby - Always Flexible ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Mega Roth Questions & Senior Deductions," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Warning - Breadth at 50-Year Extreme," is here: https://youtu.be/Dule_eZoSBY ------- 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 #SP500 #MarketBreadth #SectorRotation #RiskManagement #USTreasuries #China #BondMarket #InterestRates #MacroInvesting

Markets bounced Friday, recovering to close slightly above the 20-day moving average, but the story remains internal rotation—not a clean, broad-based trend. Energy and mega-caps carried the tape into the close, while this morning the leadership is shifting again, with Healthcare acting better (Eli Lilly notably higher) and much of the rest of the market looking flat. February is doing what it often does—acting like one of the weaker seasonal months—and the S&P 500 is up only about 1.2% year-to-date. Under the surface, sector bifurcation is pronounced: Energy, Industrials, and Basic Materials have posted outsized gains, while Technology, Financials, and Healthcare have lagged. That divergence is a reminder that "index level" calm can mask very real crosscurrents in risk. Breadth is also sending a message. The equal-weighted index continues to outperform, and roughly 65% of S&P 500 constituents are outperforming the index so far this year—an extreme not seen in decades. Strong participation isn't inherently bearish, but when performance becomes that broadly stretched, the probability of mean reversion and sharp reversals tends to rise. Bottom line: respect the rotation, don't chase what's extended, and stay disciplined on risk controls. 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/Dule_eZoSBY --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- 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 #SP500 #MarketBreadth #SectorRotation #RiskManagement

Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don't miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It's not the same as "no tax on Social Security" for everyone—and the Social Security tax rules still depend on income thresholds that haven't kept up with inflation. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:20 - Mancards & Oven Replacements 3:21 - OBBA & Larger Tax Refunds 10:16 - The $6k Senior Tax Deduction 16:52 - Are You Mega Roth Eligible? 21:18 - The Super Saver Endorphen 24:24 - The Roth Aging Issue 27:25 - Changes in the AMT 30:56 - OBBA & Marginal Rates Will Go Up 36:10 - Candid Coffee Preview ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Dalio at Davos: Calm Markets, Hidden Currents," here: https://youtube.com/live/mippkxiCJQI -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) 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/ #RetirementPlanning #RothIRA #Roth401k #SocialSecurity #TaxPlanning

Ray Dalio's Davos comments aren't a "next-week collapse" call—they're a long-cycle warning: rising debt supply can eventually force higher yields and tough policy trade-offs. Meanwhile, the S&P 500 looks calm on the surface, but sector/factor dispersion and low correlations show a fierce rotation under the hood. Lance Roberts & Michael Lebowitz examine the calm index ≠ calm market—watch dispersion and correlations for the next regime shift. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Economic Reports Show Benefits of AI Data Centers 5:17 - Why The Dow Jones Index Matters Now 9:20 - WalMart Quarterly is Proxy for Staples 12:30 - Why WalMart Valuation Matters 15:53 - Periods of Rolling Bubbles 19:45 - Has AI Cap-ex Already Been Priced-in? 22:20 - The Value-Growth Rotation 24:01 - Fed Meeting Minutes Recap 26:57 - Debunking Dalio 33:13 - Dealing with Negative, Doom & Gloom Headlines 37:10 - Mortgage-backed Bond Exposure 41:18 - Could the Yield Curve Flatten? 43:09 - Is Kevin Warsh just Jerome Powell 2.0? 44:19 - Avoid Worrying About Things Out of Your Control ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mippkxiCJQI ------- Articles Mentioned in Today's Show: "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ ------- Watch our previous show, "Q&A Wednesday: Markets, Money, and Your Questions" here: https://youtube.com/live/3xyx42x5s44 -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) 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 #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy #RayDalio #Davos #MarketRotation #SP500 #RiskManagement