The Show

Highly appreciated stock from your employer can quickly turn an #overconcentration risk 😮 What do you do when your $8 shares turn to $300?

Jeremiah and Nic start with a volatile week in the markets following the Supreme Court’s decision to strike down President Trump’s tariff authority and the market’s surprisingly calm reaction. They explain why uncertainty, not bad news itself, drives volatility and how diversified portfolios, including small caps, value stocks, and international exposure, help investors stay resilient when headlines shift.

The conversation then turns to one of the most overlooked areas of financial planning: estate planning and account titling. They walk through the differences between wills and trusts, why wills do not avoid probate, and how simple steps like beneficiary audits, TOD and POD designations, and proper account ownership can prevent costly delays and family conflict. They also discuss whether trusts should be named as beneficiaries on IRAs, how inheritance rules differ for individuals versus trusts, and when simplicity is often the best strategy.

Rounding out the show, the duo covers tax-season pitfalls, including corrected 1099s, K-1 delays, Roth conversions, backdoor Roth mistakes, and why rushing to file taxes can create unnecessary problems.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts:
Jeremiah Bates & Nic Daniels
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Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This Saturday, Brian and Jeremiah dig into a timely and controversial topic: self-representation in real estate. Using a real client example, they explore why some buyers and sellers are bypassing traditional agents, how commission structures affect negotiations, and when professional representation truly adds value, especially in complex or high-stakes transactions. The conversation expands into the broader real estate industry, MLS practices, and whether technology and AI are beginning to disrupt long-standing models.

The show also tackles a critical investing issue: overconcentration risk. Through real-world stories, from individual stock success to catastrophic losses, the hosts explain how having too much money tied to a single company, property, or asset can quietly put long-term financial security at risk, even when things appear to be working.

Rounding out the episode, Brian and Jeremiah revisit the BetterBuckets™ strategy and explain how separating money into protection, income, and growth buckets helps investors stay disciplined during market volatility. They discuss income-producing options, dividend stocks versus bond funds, yield traps to avoid, and why focusing on purpose rather than headlines leads to better long-term outcomes.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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And they are full of these fees! However… they do have a place for some people’s situations.

Missing the biggest market rallies will hurt you big time. Maybe you can time the in, but can you time the out, too? 📉📈

Brian and Jeremiah talk about a volatile week in the markets with a deep dive into cryptocurrency, investor psychology, and why emotional reactions often lead to costly mistakes. The show breaks down Bitcoin’s sharp pullback, putting it into historical context by explaining why 50%+ drawdowns have been a recurring part of its long-term behavior and why understanding your objective matters more than chasing momentum.

The conversation expands beyond crypto to examine broader market volatility, headline-driven fear, and the danger of reacting to short-term noise instead of sticking to a well-structured plan. Using real-world examples, the hosts explain how missing just a handful of the market’s best days can dramatically reduce long-term returns and why disciplined investors are often rewarded after periods of panic.

The second hour shifts into practical planning topics, including how people actually buy and hold Bitcoin, ETFs versus direct ownership, and a candid discussion on annuities—when they may help, when they often don’t, and how fear-based selling can lead to high fees and poor outcomes.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts:
Brian Wiley & Jeremiah Bates
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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THIS IS WHY WE PLAN! Taking distributions in retirement can really mess up your IRMAA 🤢

Pay taxes with a check or withhold taxes directly from the Roth conversion? It may not make a difference… 🔁

Apollon Wealth does not provide tax advice, individuals are strongly advised to consult with a tax professional before making any tax-related decisions. The information provided herein may not be relied on for purposes of avoiding taxes. The specific considerations for you may need expertise or review by a tax professional, licensed insurance provider, estate planning attorney or other professional to determine how it applies to you. Information provided is generic in nature, for educational purposes and not specific advice. Speak with your tax professional about your specific personal considerations before making any planning decisions.