Something More With Chris Boyd Show Podcasts

CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, are joined by retired Congressman and Texas State Representative Lamar Smith of the 21st district of Texas. He discusses his work in congress, how he dealt with political oppositions, his endeavor for bipartisanship and civility between Democrats and Republicans, and how to find common ground. They get into why we are seeing fewer people in the middle of the political aisle and how to get passed an Us vs Them mentality. Smith shares his opinions on the most concerning geopolitical issues we are facing today and his thoughts on possible 2024 presidential nominees. Chris and Jeff cover some financial news, bringing up inflation and its effects on consumer spending and financial stress in America.

Chris and Jeff open with an outline of the show and promote our upcoming live show on Saturday, April 22 with Marcia Mantell, who is a social security expert and owner of Mantell Retirement Consulting. We are then joined by Senior Vice President of The Federal Savings Bank, Bob Tranchell. Bob is a reverse mortgage expert and explains to us the benefits of using a reverse mortgage, factors that determine the amount of money to lend, differences in various home mortgages, and differences between his firm and others. The group discusses scenarios and instances where a depletion of resources to home owners who lose spouses affects their living and how and when a reverse mortgage can be beneficial.

IAR Jeff Perry, JD, and Wealth Advisor Jeff Tomaneng, CFP®, go over a Financial Literacy Month article on ways to get smarter and be more successful with your money. They discuss the importance of accountability in keeping track of your goals and financial planning. CIO Brian Regan, CFA®, joins to give commentary on Q1 market returns. Brian shares his disconcertment on fraudulent and misleading information. Jeff asks Brian about money supply, how it’s created, the implications of today’s money supply on growth, and the effect credit has on market conditions. Brian then educates us on what roll returns are, short term expectations of fed funds rate, and long-term investment sentiments.

We are joined by Pastor Ben Feldott of Cape Cod Church to discuss the meaning of Easter and how it’s the story that defines people of the Christian faith. He talks about the stories of Jesus, the ambiguous origin of the word “Easter,” and the celebration of the resurrection. Pastor Ben shares with us what his Church gets into during Easter, how he and his family celebrate, the importance of giving people a snapshot into the life of the church through social media, and more. AMR Wealth Advisor Jeff Tomaneng, CFP®, joins to discuss what Financial Literacy Month means and the importance of setting SMART goals understanding your “Why” when setting goals.

We are joined by Annie Hart Cool, real estate agent from Sotheby's International Realty, and Savannah Fabbio, VP regional manager at Shamrock Home Loans. We discuss current real estate conditions on Cape Cod and important factors to consider when hiring a real estate agent. Later, we get into the fluctuation of mortgage rates, how it affects confidence in the market, and how credit and debt can drive people to make uninformed decisions. Will we have a crash? We discuss some of the differences between today’s real estate market environment compared to the 2008 market.

CEO Chris Boyd, CFP®, CIO Brian Regan, CFA®, and IAR Jeff Perry, JD, give financial planning advice based on an example geared toward to the middle aged couples with kids. What are the things a person in that demographic and situation should consider and take advantage of to make sure their finances are in right order? Chris and Jeff share their insights on the matter. Brian talks about the importance allocating your money to investments that grow on returns larger than a savings account. They talk about the recent death of Gordon Moore, who was the co-founder of Intel and proposer of Moore’s Law which makes the observation that the number of transistors in an integrated circuit doubles about every two years. They talk about what his work has done for today’s day and age and what a change in microchip dynamics mean for American economies and more. Brian gives his view of the economy and states a case for a strong economic environment.

CEO Chris Boyd, CFP®, and Marketing Director Cathi Ingersoll discuss a filing by the SEC that is charging a Massachusetts based Investment Advisor firm for unethical business practice, not disclosing significant compensations, and for various wrong doings. Chris describes the allegations as a blemish on an industry that is built on trust. They go on to talk about the importance of fiduciaries and things that can help the consumer during the process of choosing a financial advisor. Chris gives his input on Required Minimum Distributions (RMDs), covering what they are and explaining if there is a cutoff age. He then mentions different factors that might affect people’s decisions on when to take their RMDs. CIO Brian Regan, CFA®, joins the show to discuss a lesson learned from a client experience. They share the common occurrences and the pros and cons of concentrated positions.

Host Chris Boyd, CFP®, and Marketing Director Cathi Ingersoll discuss climate change and its potential impacts, along with getting into risk management when it comes to finding your financial advisor. CIO Brian Regan, CFA®, gives an FOMC meeting update and talks about what it means for future interest rates, inflation, and recession concerns. The team discusses credit lending measures, the importance of credit, future anxieties of the banking system, and the logistics behind a failed bank/investment advisory firm.

With a global population size of 8 billion people, what are our current challenges and what will we contend with at current population rates? We are joined by Ken Gronbach, a demographer, futurist, and CEO/founder of KGC Direct, LLC, to discuss how demographics affect economies at large and the implications for America and other global nations. Ken shares perspective on the changing dynamics within generational shifts that will affect immigration, labor, real estate, manufacturing, and more. His book: Upside: Profiting from the Profound Demographic Shifts Ahead Website: https://kgcdirect.com/ As tax season is upon us, Chris shares input on tax strategies and rules of thumb related to tax returns and IRA/401k contributions. Within certain tax brackets various benefiting strategies can be implemented in a tax plan.

CEO Chris Boyd, CFP®, and CIO Brian Regan, CFA®, talk about what happened with the recent bank failures, the logistics behind Federal Reserve and FDIC actions, lessons investors should take, and the market’s response to all of this. They discuss how these events will affect CPI and Federal Reserve expectations at the March FOMC meeting with regard to interest rates and combatting inflation moving forward.

Chris and Jeff continue their conversation on Medicare reforms that are being proposed by the Biden Administration. They discuss how Medicare is struggling in keeping up the ability to pay out premiums coming out of payroll taxes, what the government is doing about it, and how it will affect today's demographic currently using Medicare. Evaluating financial advisors is challenging, especially when there aren't easy numbers you can use to measure their performance. So what should you be looking at? Chris and Jeff cover some key questions you should consider asking your advisor. We are joined by past guest Kevin Doyle to discuss the meaning behind Massachusetts heraldry. He explains to us the significance, controversy due to the lack of understanding, and the symbolic references behind the Massachusetts coat of arms.

Hosts Chris Boyd, CFP®, and Jeff Perry, JD, are joined by AMR CIO Brian Regan, CFA®, to discuss recent market movements in relation to Fed Chairman Jerome Powell’s comments to congress. We’ll discuss what his comments reveal about current/future fund rates and what it means for inflation and the economy ahead. Social Security and Medicare reform can be considered a politically dangerous discussion. Chris and Jeff talk about the reality of minimized social security benefits, Medicare reform proposed by the Biden administration, and the importance of political decision making for both.

Chris and Jeff are joined by Tracy Ferrie, Boston (band) bassist and worship pastor at Covenant Community Church on Cape Cod. Tracy tells us about his journey picking up the bass and how he became a musician for several artists/bands like White Cross, Rebecca St. James, Sonic Flood, Plumb and Stryper. He shares his personal life experiences that led him to Cape Cod, ministry work, and much more. Chris and Jeff discuss recent lessons learned from a client example and get into overweight legacy positions in single companies or industries and tax topics.

CEO Chris Boyd, CFP®, and IAR Jeff Perry, JD, review AMR’s Financial Planning webinar on the SECURE Act 2.0 and give updates on Something More as Chris takes back the host seat for the week. Chris and Jeff talk about 529s and Roth plans - some of their recent changes, tax implications, and strategies for use. CIO Brian Regan, CFA®, joins to discuss the economic future and answers a popular question - Will there be a recession? The team brings up relevant economic factors to consider when answering this big question.

Host Jeff Perry, JD, is joined by Chief Investment Officer Brian Regan, CFA®, to talk about geopolitical tensions with China and the Ukraine/Russia war and how it plays into effect on markets. Brian shares his macro perspective and explains how a prolonged war can change his investment thesis for 2023. Jeff and Brian discuss how to get comfortable with being a long-term investor. Brian defines and educates us on common investment ratios, shares his opinions on what worth they have to the individual investor, and gives a few reasons why relying solely on P/E ratio can be misleading. AMR’s Lead Financial Planner Scott Birmingham, CFP®, joins to discuss the importance of a couples money day, things to consider when preparing for retirement, inflation effects on spending, forming a proper estate plan, and more.

Host and IAR Jeff Perry, JD, is joined by AMR’s Marketing Director Cathi Ingersoll to present AMR’s upcoming Financial Planning webinar “SECURE Act 2.0 - 5 Most Important Takeaways.” AMR’s team of advisors will provide important takeaways for how this Act affects retirement savings and more. Jeff is joined by AMR Wealth Advisor Jeff Tomaneng, CFP®, to discuss the most common problem in relationships related to money. Tomaneng talks about money values and the value of good financial communication within couples. The Jeffs then get into the benefits of having joint accounts with your spouse, but a reluctance for shared purchases and accounts for unmarried couples.

On this hour of Something More, AMR team members join for financial lessons that can be taken from Seinfeld (show). They discuss a variety of Seinfeld scenes and episodes that revolve around the characters’ occupations, side hustles, money habits, and more. Whether being frugal or trying to Keep up with the Joneses, they never failed to entertain us with their creative entrepreneurial drive – and teach us a few things along the way. Team AMR considers their takeaways and relates them to modern day.

Host and IAR Jeff Perry and CIO Brian Regan, CFA®, cover financial news and give detail to January's CPI report. They focus on things that stuck out, their lagging effects, and their implications on Federal Reserve and the economy. After, Brian covers sentiments from his recent article "Investing and Lessons Learned from Gamblers" and discusses money supply and ways to value stocks. Jeff is joined by VP of Cyber Risk and Strategy at Thrive, David Sampson. David shares with us his work for Thrive and describes types of cyber security risks to be aware of. He gets into what ransomware attacks are, look like, and how they can be avoided with the right protection. Visit www.Thrivenextgen.com for more information.  

Chris and Jeff discuss the importance of saving to create appropriate financial lifestyles. Sentiments they share is spending less than you make and setting goals for long-term savings. Recent employment data reveals an increase in job reports. How will this affect Federal Reserve decisions? Is the economy stronger than we think? Are these pressure points for a recession? What will effects on markets look like? AMR’s CIO Brian Regan, CFA®, joins the show to talk about it. What are the use cases and societal implications of OpenAI’s ChatGPT, an artificial intelligence language model? What companies are involved with advanced AI technology and how will it affect current industries? Chris and Jeff shift gears and get into it.

CEO Chris Boyd and IAR Jeff Perry start on the discussion of costs of living and average US income. They discuss differences in income and costs of living today compared to a previous time period. Chris and Jeff continue on to challenges people face if they are not in the top 10% of earners in America and how planning your cashflow by taking risks is encouraged due to America’s unique economic culture. They then cover the importance of budgeting, setting goals and being intentional with finances.