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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
Feb272017

Money Talks – February 25, 2017

This week on “Money Talks,” Director of Research Troy Harmon, CFA, CVA, is joined by insurance expert Jim Crone, CFS®, CLU®, and fellow research analyst Jacob Keen to discuss how the S&P sectors fared during earnings season. They also discuss housing data including mortgage applications and existing home sales, the minutes from the latest Federal Market Open Committee meeting and jobless claims. Jim reviews a solution he developed for a company using company owned life insurance to fund a nonqualified compensation plan for a top executive. The experts also answer listeners' questions on Zendesk and Salesforce.com; fundamental tips for investing in stocks and whether long-term care insurance premiums are tax deductible.

  

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Monday
Feb272017

Case Study: Retaining Top Talent with a Promise of a Lucrative Retirement Benefit 

Insurance expert Jim Crone, CFS®, CLU®, joins Director of Research Troy Harmon, CFA, CVA, to review a solution Jim developed for a company using company-owned life insurance to fund a nonqualified compensation plan for a top executive.


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Monday
Feb272017

Market Roundup: Positive Week as Dow Reaches 11th Consecutive Record High

The markets were closed Monday, in observance of Presidents’ Day; therefore the week’s rally kicked off Tuesday, when all 11 sectors in the S&P 500 increased, led by gains in Real Estate, Utilities and Consumer Staples. Wednesday saw a slight pullback after the previous day of record finishes. Energy companies weighed on the S&P 500 index as the price of crude oil declined 1.4%. In housing news, mortgage applications continued their decline as longer-term interest rates inched upward; however, existing-home sales rebounded in January, recovering more than December’s decline. Furthermore, the minutes released from the Federal Open Market Committee’s January 31-February 1 meeting showed the central banks’ interest in raising interest rates fairly soon. The next day, the Dow Jones Industrial Average hit a 10th consecutive day of record closes, extending its longest streak of all-time highs in three decades. Initial jobless claims increased, as Department of Labor data showed new claims climbed by 6,000 to 244,000 in the past week. Indices closed Friday's session in green territory, with the Dow closing at an 11th consecutive record high in late day momentum. New home sales jumped up in January, as Commerce Department data showed sales increased by 3.7% last month to an annual rate of 555,000, versus an expected pace of 586,000. In a final reading, the University of Michigan's consumer sentiment index dipped to 96.3, from 98.5 in January.

 

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Monday
Feb272017

Q&A Time: Customer Management Companies, Investing Tips and Deductible Insurance Premiums

The “Money Talks” experts answer listeners' questions on customer relationship management software services Zendesk and Salesforce.com; fundamental tips for investing in stocks and whether long-term care insurance premiums are tax deductible.

 

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Monday
Feb202017

Money Talks – February 18, 2017

This week on “Money Talks,” Managing Associate K.C. Smith, CFP®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, join Troy Harmon, CFA, CVA, to discuss Consumer Sentiment released last Friday, inflation indicators the Consumer Price and Producer Price indices. They also cover the market’s moves for the week. Building off of last week’s discussion, Jarrett and K.C. discuss the difference in fees between the broker-dealer and fee-based Registered Investment Adviser business models. They cover the services provided and how you can compare the two when shopping for a financial services solution. The hosts round out the show with listeners’ questions on supplemental insurer AFLAC, why the fees you pay when investing in exchange-traded funds are acceptable, and cardboard and paper company, Packing Corp of America.

  

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Monday
Feb202017

Case Study: Breaking Down the Business Model Behind Financial Advice

Managing Associate K.C. Smith, CFP®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, build off of last week’s discussion reviewing the difference in fees between the broker-dealer and Registered Investment Adviser business models. They cover the services provided and how you can compare the two when shopping for a financial services solution.

 

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Monday
Feb202017

Market Roundup: Market Climbs Higher in Record-Setting Week

The markets kicked off a week of new record highs, trading into record territory for a third straight session. Despite the rally in stocks, West Texas Intermediate crude dipped 1.7% to settle at $52.93 a barrel. Record-breaking moves continued Tuesday as the Dow Jones Industrial average moved up on a variety of economic news. Federal Reserve comments may have impacted trading moves, as Federal Reserve Chairwoman Janet Yellen restated plans for gradual rate hikes but noted that potential uncertainties such as changes in U.S. policy and productivity levels could influence the pace during her policy testimony before the Senate Banking Committee. The S&P 500 posted its longest winning streak since 2013, after data pointed toward continuing growth in the U.S. economy. The Dow, S&P 500 and NASDAQ all closed at records again, extending a rally that has accelerated in February. Analysts believe gains in inflation, retail sales, and comments by the Fed, helped bolster confidence in the U.S. expansion. The markets closed mixed on Thursday when the Dow traded to a fresh record level while the S&P 500 and NASDAQ ended the session fractionally lower, possibly as a result of economic news. Housing starts declined in January, dipping 2.6% to an annual rate of 1.25 million versus expectations of 1.22 million; however, starts were up 10.5% from a year ago. Furthermore, the Department of Labor data showed new jobless claims increased by 5,000 to 239,000 while continuing claims slipped by 3,000 to 2.076 million in the first week of February. Indices ended trading at fresh record highs on Friday. Stocks gained on a variety of economic news, including a tick up in crude oil prices. West Texas Intermediate crude settled at $53.40 a barrel.

 

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Monday
Feb202017

Q&A Time: AFLAC, ETF Fees and Packaging Corp of America

The “Money Talks” hosts address listeners’ questions on supplemental insurer AFLAC, why the fees you pay when investing in exchange-traded funds are acceptable and cardboard and paper company, Packing Corp of America.

 

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Monday
Feb132017

Money Talks - February 11, 2017

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 week’s market movements, the ISM Non-Manufacturing Index, international trade and wholesale trade. K.C. and Jarrett bring to the table a conversation on whether investors should really want to beat the market. They discuss risk exposure, long-term strategies and passive vs. active investing. The hosts also address a listener’s question on health spending accounts and whether opening one would be a good idea if you’re covered by a high-deductible insurance plan. The experts also provide their opinions on some of Vanguard’s health care funds and if investors should seek actively or passively managed funds.

  

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Monday
Feb132017

Case Study: Should an Investor’s Goal be to Beat the Market?

Managing Associate K.C. Smith, CFP® and Senior Associate Jarrett McKenzie, CFP®, CWS®, bring to the table a conversation on whether investors should really want to beat the market. They discuss risk exposure, long-term strategies and passive vs. active investing.

 

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Monday
Feb132017

Market Roundup: Week Starts in the Red, but Ends with Record Highs

The markets kicked off the week by closing in the red zone on Monday. Corporate earnings likely drove some of the bigger moves of the day. The next day, the indices landed in green territory, as the Dow Jones Industrial Average maintained gains while the NASDAQ closed at a new record high. Technology brands led Dow advancers while energy stocks traded lower on slipping oil. Mid-week saw Financial stocks pressuring the Dow. It’s likely investors are still awaiting policy changes; however, some analysts believe investors have been weighing recent improvements in earnings and economic data to concerns about an uncertain political landscape. The markets closed at record levels on Thursday with Financial and Energy stocks leading the advance. In other news, initial jobless claims decreased last week, as Department of Labor data showed new claims declined by 12,000 to 234,000 versus an expected 250,000 claims. The week closed with indices at record high levels on Friday as Energy, Materials and Industrials stocks boosted the S&P 500 index. Meanwhile, consumer confidence is on the wane so far this month. In a preliminary reading, the University of Michigan's consumer sentiment index hit 95.7, versus expectations of 98.5.

 

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Monday
Feb132017

Q&A Time: Health Spending Accounts and Active vs. Passive Managed Mutual Funds

The “Money Talks” hosts address a listener’s question on health spending accounts and whether opening one would be a good idea if you’re covered by a high-deductible insurance plan. The experts also provided their opinions on some of Vanguard’s health care funds and if investors should seek actively or passively managed funds.

 

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Monday
Jan302017

Money Talks - January 28, 2017

This week on “Money Talks,” Troy Harmon, CFA, CVA, is joined by Principal Jennifer J. Thomas, CFP®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, to discuss the significance of the Dow reaching the 20,000 benchmark. They also talk about sector earnings performance, new and existing home sales and the Semi book-to-bill ratio. Jarrett and Jennifer lead a discussion on how 401(k) allocations can get “out of whack” even if you’ve been following your adviser’s recommendations. The experts also discuss a listeners’ question on prepaying his mortgage versus investing in a Roth IRA. 

  

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Monday
Jan302017

Case Study: Market Growth and Dividends Can Cause Skewed Allocations in a 401(k)

Principal Jennifer J. Thomas, CFP®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, lead a discussion on how 401(k) allocations can get “out of whack” even if you’ve been following your adviser’s recommendations.

 

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Monday
Jan302017

Market Roundup: Positive Week as Dow Breaks 20,000 Mark

Indices closed in the red zone on Monday, likely a result of President Trump’s comments that he would “shake up” trade, taxes and regulations. The market indices closed with gains on Tuesday, with the Dow Jones Industrial Average climbing back toward the 20,000 mark while the S&P 500 and NASDAQ both ended trading at new record levels. By mid-week, the Dow hit an all-time high, closing above the 20,000 mark. The S&P 500 and NASDAQ also ended the session at record levels. Crude oil slipped on a jump in inventories, as reserves increased by 2.8 million barrels last week versus expectations of a lesser uptick of 300,000 barrels. The market ended trading with mixed moves on Thursday. The Dow landed above the 20,000 mark again while the S&P 500 and NASDAQ shed some points. In other items, new home sales decreased in December as sales slipped by 10.4% last month to a rate of 536,000 versus expectations of 595,000. Additionally, initial jobless claims ticked up last week. Department of Labor figures showed new claims increased by 22,000 to 259,000 versus expectations of a lesser gain of 246,000. The market ended Friday mixed, but were up across the board for the week. The Dow and S&P 500 shed some points while the NASDAQ added marginal gains on Friday. Energy brands retreated on a dip in crude oil prices. Gross domestic product numbers failed to inspire the session when Commerce Department data showed GDP rose at an annual rate of 1.9% in the fourth quarter. The results were down from 3.5% growth in the third quarter. Looking elsewhere, consumer confidence ticked up in January. A final reading showed sentiment hit 98.5 this month, up from a preliminary estimate of 98.1, and well beyond expectations for the reading to remain unchanged.

 

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Monday
Jan302017

Q&A Time: Mortgage vs. Roth IRA: Where to Put Extra Money

The “Money Talks” experts discuss a listeners’ question on prepaying his mortgage to pay it off within 15 years or should he invest the extra money in a Roth IRA. 

 

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Monday
Jan232017

Money Talks - January 21, 2017

This week on “Money Talks,” Troy Harmon, CFA, CVA, is joined by Principal Jennifer J. Thomas, CFP®, and Tax Manager Dan DiLuzio, C.P.A., to discuss inflation indicators, the Producer Price and Consumer Price indices, retail sales, and consumer sentiment. Dan leads the show’s case study conversation on what files individuals need to keep when it comes to financial receipts and statements. He also discusses how to dispose of files and offers tips on the best way to store important documents.  The experts also answer listeners’ questions about veterinary drug maker Zoetis and medical equipment provider Henry Schein. They also explain the tax benefits behind saving to your retirement plans.

  

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Monday
Jan232017

Case Study: Record Retention: Deciding Which Financial Records to Keep

Tax Manager Dan DiLuzio, C.P.A., leads the show’s case study conversation on what files individuals need to keep when it comes to financial receipts and statements. He also discusses how to dispose of files and offers tips on the best way to store important documents.

 

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Monday
Jan232017

Market Roundup: Inauguration Rally on Friday Still Left Markets Down for the Week

For most of last week, the market was fairly lackluster. While the U.S. markets were closed Monday in honor of Martin Luther King Jr., the British pound dropped to a three-month low, which led to a decline in the FTSE 100 and Stoxx 600 in Europe. On Tuesday, investors were cautious ahead of President-elect Donald Trump’s inauguration—a bit of a reversal of the market’s movements since the November election. By midweek, the indices closed with mixed results. The Dow Jones Industrial Average traded slightly lower while the S&P 500 Index and NASDAQ posted gains. The mixed moves were likely prompted by Federal Reserve comments at San Francisco's Commonwealth Club, as Federal Reserve Chairwoman Janet Yellen said a few interest rate hikes per year may be likely through the end of 2019. The markets ended in red territory on Thursday, with stocks trading lower ahead of the presidential inauguration. In housing news, housing starts ticked up in December, as new construction numbers rose to an annual rate of 1.226 million versus expectations of 1.188 million. Indices traded into green territory on Friday with equities rallying on Inauguration Day, recouping most of the value lost earlier in the week. Nevertheless, the NASDAQ and the Large-Cap Dow and S&P 500 each ended the week in the red compared to the prior week.

 

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Monday
Jan232017

Q&A Time: Zoetis, Henry Schein and Tax Savings of IRAs

Our experts answer listeners’ questions veterinary drug maker Zoetis and medical equipment provider Henry Schein. They also explain the tax savings behind saving to your retirement plans.

 

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