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Henssler Financial Radio

Tune into "Money Talks," Saturdays from 10-11 a.m.
on Atlanta's AM 920 The Answer.

Monday
Jan162017

Money Talks – January 14, 2017

This week on “Money Talks,” Managing Associate Shawna Theriault, CFP®, C.P.A., joins hosts Bil Lako, CFP®, and Troy Harmon, CFA, CVA, to discuss the week’s economic news, including Wholesale trade, mortgage applications and jobless claims. They also discuss sector performance as president-elect Trump’s inauguration draws near.  Shawna and Bil explore a listener’s decision to rent or buy a house after a divorce and profit from the sale of the family home. They take a closer look at the tax advantages and lifestyle choices that come with home ownership. The experts also address listeners’ questions on investment theory “stick to the core and don’t explore,” meaning avoiding international holdings, Roth IRA eligibility for resident aliens and using an old 401(k) to pay down credit card debt.  

  

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Monday
Jan162017

Owning vs. Renting—Not Always a Financial Decision

Managing Associate Shawna L. Theriault, CFP®, C.P.A., and Principal Bil Lako, CFP®, explore a listener’s decision whether to rent or buy a house with the profit from the sale of the family home after a divorce. They take a closer look at the tax advantages and lifestyle choices that come with home ownership.

 

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Monday
Jan162017

Mixed Week as NASDAQ Hits Record Highs

Opening the week, declines in Energy sector shares weighed heavily on the S&P 500 index and the Dow Jones Industrial Average as oil prices experienced their biggest daily drop since November. On Tuesday, the NASDAQ composite closed at a record for the fourth session in a row. By mid-week, indices closed in the green zone despite volatile trading. Stocks rebounded from session low levels on Thursday to close slightly down for the day, with Financial sector stocks leading the decline.  Indices closed out slightly mixed on Friday with the NASDAQ hitting yet another record high. Meanwhile, consumer confidence is down in January. In a preliminary measure, the University of Michigan's consumer sentiment index registered a reading of 98.1 down from December's final reading of 98.2. Looking elsewhere, Labor Department figures showed prices rose by 0.3% in December, as anticipated.

 

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Monday
Jan162017

Q&A Time: International Holdings, Roth IRA Eligibility and Paying Debt with 401(k)

The “Money Talks” experts address a listener’s questions about following the investment theory “stick to the core and don’t explore,” meaning avoiding international holdings because they may be a drag on performance. They also discuss Roth IRA eligibility for resident aliens and whether one should roll an old 401(k) into an IRA or cash it out to pay down credit card debt. 

 

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Monday
Jan092017

Money Talks - January 7, 2017

This week on “Money Talks,” Managing Associate K.C. Smith, CFP®, joins anchor hosts Bil Lako, CFP®, and Troy Harmon, CFA, CVA, to discuss final 2016 market numbers, the 2017 outlook, how the market may continue to move under a Trump presidency, and inflation. K.C. and Bil lead a conversation about seeking investment help and the type of experts you may want to consult when seeking assistance with your finances, investments and planning for your future. The experts also answer listeners’ questions on government savings bonds, a replacement buy for our recommended sell of GE, and some general ways to pay down consumer debt.

  

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Monday
Jan092017

Case Study: “At What Point do I Need a Financial Adviser?” 

This week on “Money Talks,” Managing Associate K.C. Smith, CFP®, and Principal Bil Lako, CFP®, lead a conversation about when a household should seek financial guidance from professionals and the type of experts you may want to consult when seeking help with your finances, investments and planning for your future.

 

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Monday
Jan092017

Market Roundup: Markets Kick of New Year on Positive Note

The markets regained their footing as the Dow Jones Industrial Average, S&P 500 and the NASDAQ posted week-over-week gains at the close of the first week of the new year. The markets kicked off 2017 recognizing the New Year holiday. Trading resumed Tuesday with a surge in the Financial sector, boosting the Dow Jones Industrial Average. The gains brought the Dow closer to the 20,000 milestone than ever before. While the index didn’t break 20,000, the index did break a three-day losing streak. The non-manufacturing (service) sector remained strong in December according to the Institute for Supply Management Non-Manufacturing Index, which registered 57.2, the same as November and the highest reading for 2016. The S&P Index also posted gains on strong performance in the Telecommunications and Healthcare sectors. Wednesday saw strong performance in Consumer Discretionary stocks. Thursday’s slide down was a result of a decline in Financial stocks.  Friday’s results ended in gains despite snow and sleet storms that affected the East coast.  For the week, the dollar strengthened, while the yield on 10-year Treasury bonds stayed the course.

 

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Monday
Jan092017

Q&A Time: Bonds, Industrial Conglomerates and Paying off Consumer Debt

The “Money Talks” experts answer listeners’ questions on the different types of government savings bonds available, provide a replacement stock recommendation for our suggested sell of General Electric, and discuss some general ways to pay down consumer debt.

 

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Tuesday
Jan032017

Money Talks – December 31, 2016

This week on “Money Talks,” Research Analyst Nick Antonucci, CVA, is joined by fellow Research Analyst Jacob Keen and Senior Associate Jarrett McKenzie, CFP®, CWS®, to discuss the University of Michigan Consumer Sentiment Survey and the Conference Board Consumer Confidence Index. They also discuss home sales, interest rates and how the market appears to be closing the year. Our experts address a listener’s concern that following our Ten Year Rule would cause one to lose principal in terms of purchasing power. They discuss how the Ten Year Rule works in periods of recession and inflation, giving examples of how our investment strategy works. The research analysts also address listeners’ questions on General Electric Company and Walgreens Boots Alliance. 

  

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Tuesday
Jan032017

Case Study: Purchasing Power and the Ten Year Rule

Senior Associate Jarrett McKenzie, CFP®, CWS®, joins Research Analysts Nick Antonucci, CVA, and Jacob Keen to address a listener’s concern that following our Ten Year Rule would cause one to lose principal in terms of purchasing power. They discuss how the Ten Year Rule works in periods of recession and inflation, giving examples of how our investment strategy works.

 

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Tuesday
Jan032017

Market Roundup: Stocks Trade Lower in Final Trading Week of 2016

After being closed for the Christmas holiday, the markets opened Tuesday with a quiet session, as trading volumes generally dwindle around the holiday period. Despite not making a move of at least 1% in either direction since Dec. 7, the Dow Jones Industrial Average extended a post-election rally that has lifted it 8.8% since Nov. 8 and brought its 2016 gain to 14%. The S&P 500 gained 0.2%, with the Technology sector leading the way. Furthermore, U.S. crude oil rose 1.7% to $53.90 a barrel, its highest level since July 2015. Thanks to a recent climb in commodity prices, shares of energy and mining companies helped stocks inch higher midweek. The following day, Thursday, the markets closed mixed. Recent declines have put the Dow on track for its first weekly loss since the election and wiped out three weeks of gains for the S&P 500. Indices closed in red territory on Friday but gained for the year. In the year’s last day of trading, the Dow Industrials fell 0.1%; the S&P slipped 0.2%, and the NASDAQ fell 0.6%. However, for the year, the Dow jumped 13.5%, the S&P 500 added more than 9.5% and the NASDAQ Composite gained more than 7.5%. Crude oil also ramped up by 45% in 2016. 

 

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Tuesday
Jan032017

Q&A Time: General Electric and Walgreens Boots Alliance

The “Money Talks” research analysts address listeners’ questions on General Electric Company and Walgreens Boots Alliance.

 

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Monday
Dec192016

Money Talks – December 17, 2016

This week on “Money Talks,” Bil Lako, CFP®, and Troy Harmon, CFA, CVA, are joined by insurance expert Jim Crone, CLU®, CFS®, to discuss Consumer Sentiment, Wholesale Trade, both the Producer Price and Consumer Price Indices, and Industrial Production. Jim brings a case study about an investor who was sold annuities inside his IRA—something most financial planners would not recommend. Jim also discusses Qualified Longevity Annuity Contracts, an annuity that may help stretch your IRA until your old age. The experts finish the show discussing listeners’ questions on a tax-free exchange on Universal Life policies, buying additional life insurance and Amazon’s drone delivery service.

  

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Monday
Dec192016

Case Study: Qualified Longevity Annuity Contracts: Income for Later in Life

Insurance Expert Jim Crone, CLU®, CFS®, brings a case study about an investor who was sold annuities inside his IRA—something most financial planners would not recommend. Jim also discusses Qualified Longevity Annuity Contracts, an annuity that may help stretch your IRA until you reach old age.

 

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Monday
Dec192016

Market Roundup: Stocks Close Mixed for the Week After Touching New Highs

The major indices were mixed on Monday with the Dow Jones Industrial Average hitting a new record high while the S&P 500 index and NASDAQ shed some points. Energy stocks led advancers while Technology companies pressured the NASDAQ. The rally continued the following day as we again reached new record levels. Technology and Energy stocks led the advance, likely fueled by a tick up in crude oil. Additionally, the Wholesale Trade report showed U.S. import prices retreated in November, slipping 0.3% last month from a 0.5% increase in October. Export prices decreased by 0.1% in November versus expectations of a flat reading. Indices closed in the red zone on Wednesday amid comments from the Federal Open Market Committee. In a unanimous decision, the Federal Reserve boosted interest rates by a quarter point. The move puts the Fed funds rate at 0.5% to 0.75%, and signaled a faster rate of increases in 2017. In another economic release, U.S. retail sales increased at a slower rate than expected in November. Sales ticked up 0.1% last month, a third of the pace anticipated. Excluding cars and gas, sales rose 0.2%. Indices closed the trading session with gains on Thursday on a variety of economic news. Department of Labor data reported new claims dipped last week by 4,000 to 254,000. Meanwhile, continuing claims rose 11,000 to 2.018 million in the first week of December. The Consumer Price Index climbed 0.2% versus a forecast of a 0.3% gain. The core measure, which discounts food and gas, edged up 0.2% in November, following 0.1% gains for the prior two months. U.S. stocks closed lower on Friday, with the Dow swinging to a loss, following reports that a Chinese warship seized an underwater U.S. Navy drone in international waters off the coast of the Philippines. Also on Friday, U.S. Census Bureau data showed that U.S. homebuilding fell more than expected in November, tumbling from a nine-year high as construction activity declined broadly, the latest sign of slower economic growth in the fourth quarter. Stocks spent the Friday affair inside narrow ranges amid a mixed showing from individual sectors with Utilities the biggest gainer and Financials the biggest laggard. Despite Friday’s decline, the Dow posted its sixth consecutive week of gains, even as the postelection rally lost some steam following the Fed’s decision to raise interest rates. Bond yields and the dollar rose to their highest levels in years as the Fed raised interest rates for the first time in a year and signaled a quicker-than-expected pace of increases in 2017. The S&P 500 and NASDAQ both closed the week higher by about 0.1% while the Dow rose 0.4%.


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Monday
Dec192016

Q&A Time: Tax Free 1035 Exchanges, Extra Life Insurance and Amazon’s Drones

The experts finish the show discussing listeners’ questions on a tax-free exchange on Universal Life policies, buying additional life insurance and Amazon’s drone delivery service.

 

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Monday
Dec122016

Money Talks - December 10, 2016

This week on “Money Talks,” Troy Harmon, CFA, CVA, is joined by Managing Associate K.C. Smith, CFP®, and Senior Associate, Jarrett McKenzie, CFP®, CWS®, to discuss the readings from November’s ISM nonmanufacturing index, productivity & costs, International trade and Factory Orders. The hosts also explore the situation of a couple who are directing their investments into mutual funds. The hosts discuss the benefits of mutual fund diversification, the fees associated with owning shares and some issues to watch out for. They also round out the show addressing listener questions on the relationship between GDP growth and the stock market, stocks W.R. Berkley, The Clorox Co and Eli Lilly & Co., as well as what an investor needs to know about an inherited IRA.

  

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Monday
Dec122016

Fund Investing and Instant Diversification

Managing Associate K.C. Smith, CFP® and Senior Associate, Jarrett McKenzie, CFP®, CWS® explore the situation of a couple who are directing their investments into mutual funds. The experts discuss the benefits of mutual fund diversification, the fees associated with owning shares and some issues to watch out for.

 

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Monday
Dec122016

Market Roundup: Stellar Week For Markets with Major Indices up More Than 2.5%

The week kicked off with a rally in Financial stocks, which led the S&P 500 index to its best day in two weeks. Also on Monday, the ISM Nonmanufacturing index showed services bounced back in November, rising above consensus and above its six-month average. The rally continued on Tuesday, as economic reports showed productivity growth remained unrevised for the third quarter, the U.S. Trade Deficit widened in October and Factory Orders increased as well. On Wednesday, the major indices logged their biggest one-day rally since the election, which led to new closing records for the Dow Jones Industrial Average and the S&P. The markets were a little shakier on Thursday, shifting between gains and losses for most of the trading session. Investors’ eyes were likely on the European Central Bank, as the bank extended its stimulus program at a reduced volume. Indices closed at session peak levels on Friday, with the Dow, S&P 500 and Nasdaq all hitting record highs. Consumer confidence was up in a preliminary December reading from the University of Michigan. The Consumer Sentiment Index ticked up to 98 from 93.8 in November, well beyond an expected reading of 94.1.

 

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Monday
Dec122016

Q&A Time: Relationship Between Markets and GDP Growth, Stocks and Inherited IRAs

The “Money Talks” experts address listeners’ questions on the relationship between GDP growth and the stock market, stocks W.R. Berkley, The Clorox Co and Eli Lilly & Co., as well as what an investor needs to know about an inherited IRA.

 

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