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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
May232016

Money Talks – May 21, 2016

This week on “Money Talks,” Associate Jarrett McKenzie, CFP®, CWS®, joins Matt Hames, CTFA and Research Analyst Nick Antonucci to discuss the market sectors’ year-to-date performance, April’s retail sales, inflation indicators Producer Price and Consumer Price indices and the speculation of Britain leaving the European Union. The hosts also take a look at the fiduciary responsibility an adviser has to clients who are getting divorced in this week’s case study. The experts answer a variety of listener questions, including ones on quick serve restaurants, investments in banks and the Financials sector, and an investment in DNP Select Income Fund versus the Vanguard High Dividend Yield index fund. They also discuss private mortgage insurance and the different ways to remove it from your mortgage payment.

  

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Monday
May232016

Case Study: A Financial Adviser’s Fiduciary Responsibility During a Clients’ Divorce

Our experts discuss the fiduciary responsibility a financial adviser has when clients are going through a divorce.

 

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Monday
May232016

Market Roundup: Stocks Close Higher Despite Hawkish Fed Comments

Stocks started the week on a high note, with Energy and Technology stocks leading the upswing. West Texas Intermediate crude oil also settled at $47.72 a barrel. Stocks traded lower on Tuesday. Consumer prices increased in April as the Consumer Price Index rose 0.4% versus March’s uptick of 0.1% and February’s 0.2% decline. Core prices, discounting food and energy, jumped 0.2% as expected. Industrial production ramped up by 0.7% in April versus expectations of a 0.3% expansion, while Commerce Department data showed housing starts climbed 6.6% in April to an annual rate of 1.17 million units. The stock indices closed out Wednesday's trading session mixed on Federal Reserve comments. Minutes from April's Federal Open Market Committee meeting showed a rate hike is somewhat likely for June, but only if economic data warrants it. Crude oil retreated midweek with West Texas Intermediate crude settling at $48.19 a barrel. Figures from the Energy Information Administration showed a 1.3 million barrels lift in inventories in the past week. Stocks rebounded somewhat in Thursday’s afternoon momentum. Labor Department data showed first-time claims for unemployment benefits decreased by 16,000 to 278,000, while continuing claims dipped by 13,000 to 2.152 million last week. Indices closed in the green zone on Friday. Better-than-expected quarterly data led the Technology sector higher. West Texas Intermediate crude oil settled the week at $47.75 a barrel. Existing home sales ticked up in April as data from the National Association of Realtors showed a 1.7 percent increase to an annual rate of 5.45 million units. Sales in March were revised slightly higher to 5.36 million units from the initially reported 5.33 million.

 

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Monday
May232016

Q&A Time: Quick-Serve Restaurants, DNP Select Income Fund and More

Our experts discuss quick-serve restaurant companies Restaurant Brands International and Wendys, bank stocks East West Bancorp and Wells Fargo as well as investments in DNP Select Income Fund or the Vanguard High Dividend Yield index fund. They also discuss private mortgage insurance and the different ways to remove it from your mortgage payment.

 

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Monday
May162016

Money Talks - May 14, 2016

This week on “Money Talks,” Dan DiLuzio, C.P.A. joins Matt Hames, CTFA, and Troy Harmon, CFA, CVA, to discuss April’s employment situation, wholesale Trade, mortgage applications and interest rates. They also recap first quarter’s earnings. For this week’s case study, the experts discuss the scary situation of tax identity theft. Dan shares the experience of a taxpayer who e-files her return only to have it rejected by the IRS because someone else has already filed a fraudulent return, claiming a refund using her Social Security number. The hosts round out the show, answering listeners’ questions on Spectra Energy Partners, Freeport-McMoRan, Mitek Systems and Fitbit. They also provide some insight on how long to keep your financial records.

  

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Monday
May162016

Case Study: Taxes—A Balance Between Security and Convenience

Our experts discuss the problems that arise when someone else has already filed a fraudulent return and claimed a refund using your Social Security number.

 

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Monday
May162016

Market Roundup: Despite Early Gains, Indices Closed The Week Down

Indices started the week with mixed moves as the Dow dipped on Monday, while the S&P 500 Index and NASDAQ added slight gains. The mixed results were likely due to a variety of economic news. The markets saw a dip in crude oil prices, a belief that earnings are likely to remain weak with S&P companies posting their lowest earnings-per-share growth rate since the financial crisis and support for the Fed’s dovish stance from both the Minneapolis and Chicago Federal Reserve presidents. Stocks surged on Tuesday. Oil prices jumped, and many international markets saw gains. Midweek, U.S. markets were back in the red with Consumer Discretionary stocks taking the biggest hit. Thursday, both the S&P and Dow were nearly flat. The weekly Jobless Claims unexpectedly increased as the Department of Labor couldn’t point to any special factors. The four-week moving average still increased, but remained consistent with solid monthly job growth. Friday saw the markets decline yet again. Overall for the week, the markets ended down.

 

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Monday
May162016

Q&A Time: Energy and Technology Companies, and Keeping Financial Records 

Our experts answered listeners’ questions on Spectra Energy Partners, Freeport-McMoRan, mobile identity verification software developer Mitek Systems and health and fitness device provider Fitbit. Dan DiLuzio, C.P.A. also provides some insight on how long to keep your financial records.

 

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Monday
May092016

Money Talks - May 7, 2016

This week on “Money Talks,” hosts Matt Hames, CTFA, and Troy Harmon, CFA, CVA, are joined by Managing Associate D.J. Barker, CWS®, to discuss the week’s market performance, personal income and savings rates, the University of Michigan Consumer Sentiment Survey and other weekly economic releases. The experts explore a case study of an individual who had a defined benefit plan and has recently taken a job with a 401(k) where he was auto-enrolled. They discuss the differences between the types of plans and using a target date fund as a default investment. Wrapping up the show, the hosts answer listeners’ questions on Expedia, Sherwin-Williams, ADP, Roth IRA conversions, Harris Corp and General Dynamics.

  

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Monday
May092016

Case Study: 401(k) Plan Automatic Enrollment

Our experts discuss automatic enrollment in your employer’s 401(k) plan and why the default options may not be the best choice for your situation.

 

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Monday
May092016

Market Roundup: Despite Lackluster Jobs Numbers, Stocks Close Week Marginally Lower

Market indices began the week positive with Consumer Discretionary stocks leading the way up while Energy brands trailed with West Texas Intermediate crude falling 2.5% to settle at $44.78 a barrel. The ISM Manufacturing Index slipped to 50.8 from March’s reading of 51.8. Economists had expected a lesser decrease to 51.5. Stocks fell to their lowest level in three weeks on Tuesday, likely because of weak manufacturing data from China. Energy stocks felt the effect of a continued slip in crude oil. The fall in Energy continued on Wednesday. Energy Information Administration figures showed U.S. reserves increased by 2.8 million barrels last week, versus the 1.2 million barrels expected. The services industry activity ticked up in April, as the ISM non-manufacturing index moved up to 55.7 from 54.5 in March, exceeding expectations. Factory orders rose as new orders ramped up 1.1%, also beating consensus expectations. Indices closed with mixed moves on Thursday with the Dow producing a slight gain while both the S&P 500 and NASDAQ shed some points. Labor Department data showed new jobless claims climbed by 17,000 to 274,000. Trading ended in green territory on Friday. Carmaker and raw materials brands stepped up and Energy sector stocks climbed on an upswing in crude oil. Labor Department data showed an addition of 160,000 jobs in April, which was well shy of an expected 200,000. Gains for February and March were revised down by a total of 19,000 while the unemployment rate held steady at 5%.

 

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Monday
May092016

Q&A Time: Defense Stocks, Roth Conversions and More

The “Money Talks” experts answer listeners’ stock questions on Expedia, Sherwin-Williams, ADP, Harris Corp and General Dynamics. They also look at a situation for a Roth IRA conversion for a high-income couple who desire tax-free growth.

 

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Monday
May022016

Money Talks - April 30, 2016

This week on Money Talks, Troy Harmon, CFA, CVA, is joined by Principal and Senior Managing Associate Jennifer Thomas, CFP®, and Research Analyst Nick Antonucci to discuss Energy’s rally, the Federal Open Market Committee’s minutes from its latest monetary policy meeting, consumer confidence, and first quarter gross domestic product. In this week’s case study, the hosts explore Medicaid planning. The details include a son whose mother is being guided by a Medicaid planning specialist to gift away her assets so she’ll qualify for Medicaid in the future. Jennifer helps explain the possible drawbacks to their situation. The experts also address listeners’ questions on investing assets for young children when the assets are not needed for future education expenses, 409A non-contributory plans, and stocks Lennox International, Apple, Verizon and Ambarella.

  

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Monday
May022016

Case Study: Medicaid Planning May Not Yield the Intended Benefit

Our experts discuss a case study that explores the strategy of gifting away assets to qualify for Medicaid in the future.

 

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Monday
May022016

Market Roundup: Week Ends in Red Amid a Fall in Consumer Confidence

Declines in commodity-sensitive stocks caused the markets to trade slightly lower on Monday. Energy brands led the way down ahead of the Federal Reserve's two-day April meeting. Commerce Department figures showed new home sales dipped in March, falling 1.5% to a rate of 511,000. February sales were upwardly revised to 519,000. Tuesday’s trading session ended mixed with the Dow Jones Industrial Average and the S&P 500 index adding gains while the NASDAQ closed in the red. Moves were mixed on a variety of economic news, including a tick up in durable goods orders for March, and a fall in The Conference Board’s Consumer Confidence index. The mixed results continued Wednesday following comments from the April Federal Open Market Committee meeting. Policy makers left interest rates unchanged and left an increase in June unconfirmed. Thursday’s results were down across the board after the Commerce Department reported the U.S. economy grew at 0.5% in the first quarter, which was below analysts’ expectations. On Friday, West Texas Intermediate crude oil slipped 0.2% to settle at $45.92 a barrel. On another note, Commerce Department data showed consumer spending ticked up just slightly in March, increasing a mere 0.1%, half the amount anticipated. Personal income rose by 0.4% last month. The University of Michigan's consumer sentiment index fell to 89 from 91, slightly below expectations of 90.

 

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Monday
May022016

Q&A Time: Investing Children’s Money, Lennox International and Investing for Growth and Dividends

The Henssler Financial experts address listeners’ questions on investing assets for young children when the assets are not needed for future education expenses, 409A non-contributory plans, and stocks Lennox International, Apple, Verizon and Ambarella.

 

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Monday
Apr252016

Money Talks - April 23, 2016

This week on “Money Talks,” Managing Associate, K.C. Smith, CFP®, joins Matt Hames, CTFA and Troy Harmon, CFA, CVA to discuss the week’s market news including Industrial Production and the Consumer Sentiment Survey from last Friday. They also discuss Housing Starts, Mortgage Applications and Existing Home Sales that were this week’s headlines. Our experts also explore a case study about a couple who want to test drive their retirement plan as their current lifestyle will not be covered by Social Security alone—they will begin drawing on their retirement accounts almost immediately. The hosts also answer listeners’ questions on whether low oil prices bolstered consumer spending, interest on consumer debt vs. investment gains, water companies York Water and Middlesex Water Company and global industrial company General Electric Co.

  

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Monday
Apr252016

Case Study: Test Driving Your Retirement Plan Means Mapping Out Your Liquidity Needs

Test driving a retirement plan includes identifying the difference between your after-tax income and your desired after-tax spending for any given year.

 

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Monday
Apr252016

Market Roundup: Positive Week as Oil Prices Increase

Indices began the week with gains as energy stocks stepped up on a slight dip in crude oil. Crude pared earlier losses as the session progressed. The markets closed with mixed moves on Tuesday when both the Dow Jones Industrial Average and S&P 500 index tacked on some points while the NASDAQ traded slightly into red territory. West Texas Intermediate crude climbed 3.3% to settle at $41.08 a barrel. Commerce Department data showed U.S. housing starts decreased in March, with new construction falling 8.8% to a rate of 1.09 million versus expectations of 1.17 million. The markets posted gains across the board on Wednesday as oil prices increased 4%. Existing-home sales ramped up 5.1% to 5.33 million in March versus expectations of 3.7% growth. Stocks took a pause in their upward climb on Thursday as the oil rally slowed and doubts persisted whether the stimulus measures of the European Central Bank were working. Indices were mixed on Friday with the Dow and S&P 500 adding marginal gains while the NASDAQ traded lower. Crude oil ramped up again as West Texas Intermediate crude increased 1.4% to settle at $43.73 a barrel.

 

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Monday
Apr252016

Q&A Time: Oil’s Effect on Consumers, Water Companies and More

The “Money Talks” hosts answer listeners’ questions on whether low oil prices bolstered consumer spending, interest on consumer debt vs. investment gains, water companies York Water and Middlesex Water Company and the problems plaguing global industrial company General Electric Co.

 

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