On this week's Friday Q&A:

• Does more money in emerging markets make sense?
• What should be done with an 401k now that Vanguard has sold their servicing?
• Are these two funds diversified enough?
• Is there any way to calculate future call option premiums?

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There aren't many ways to improve your odds while investing in stocks. So, why have investors like Warren Buffet been so successful and why do we belive in factor investing? Plus listeners want to know:

• Why do we suggest more expensive products from firms like Avantis and Dimensional?
• What are the differences between a 403b and a Roth IRA?

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Don't be fooled by "money illusions." We are often confused about money math, particularly when it comes to the impacts of inflation. Our financial psycology can lead us to make bad decisions. The callers have questions about:

• Financial Planning for a Special Needs Family Member
• Estate Planning Strategies for Passing Wealth to Grandchildren
• Balancing Risk Tolerance with Retirement Savings
• Directing Inheritance to Grandchildren
• Understanding Indexed Annuities

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After bonds suffered a really bad year in 2022, many investors still hate them. Do all bonds deserve the recent bad reputations? Time for a fixed income reality check. We also discuss the bad advice given by most radio advisors. We also hear from listeners:

• Why do we dislike anuuities as investments?
• What do we think of the new DOL rule requiring all retirement rollover advice be held to the fiduciary standard?

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Once again, the United States Depratment of Labor is trying to protect retirement investors against the lies told, and the high fees charged, by many providers of advoce for retirement pland rollovers and transfers. Will they succeed against Wall Street and Big Insurance? Plus, we take your questions:

• What's the best way to pay for a new roof?
• Why are my ETFs paying out taxable dividends?

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This Friday's Qs:

• How should an aggressive investor invest money that is not needed in retirement?
• Does a QLAC make sense as a toold to control long-term care expenses?
• Are there any tax ramications from moving from an expensive funds to ETFs in a qualified retirement account?
• Does his portfolio idea make sense for a lazy retirement investor?

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What is the best investment strategy in a time of higher "safe" interest rates? For many, the tendency is to play it safer, but how might that work out in the long run? Plus, we answer questions:

• How much is Edward Jones charging for their investment services?
• How can an investor harvest tax losses?

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Far too many businesses offer their employees expensive retirement plans. You must know how much you're paying. Plus, many states are now allowing employees to set up automatic payroll deductions into their own IRAs.

We hear from callers:

• What will interest rates do in the near future?
• What can be done with IRA distributions to reduce taxation?

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This seemingly simple retirement quiz stumped most who took it. How will you fare? Take the quiz with us. Plus, what can you do if you have a low interest rate bank savings account?

Listeners want to know:

• How long will mom's retirement assets last?
• Is there any way to get money back from a federal long-term care policy?
• How can money in a retirement plan be accessed before 59-1/2 without penalties?

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Our friend, Mark Hebner from Index Fund Advisors, joins Tom and Don to talk about the most important number to investors, total return. The rise and fall of prices shouldn't be of much concern to investors, it's how much you make on your investments.

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In this week's Friday Q&A edition:

• How safe are investment in brokerage accounts?
• Why shouldn't someone tranfer an IRA to Robin Hood to collect a 3% bonus?
• What do we think of Fisher Investments "bucket" strategy?
• How should money be invested for the beneficiary of a special needs trust?

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