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Where should I invest my cash to beat inflation? You should completely stop asking where to invest your capital as an isolated step. Instead, the foundational question you must answer is what your money needs to do dynamically to accomplish your lifetime lifestyle goals with the least amount of risk possible. Attempting to buy individual investment vehicles before undergoing an analysis of your net spending needs and multi-generational goals can be short-sighted.

Key Learning Outcomes • Investment Malpractice: Why receiving an asset recommendation before an intensive personal financial analysis fails fiduciary standards. • The CAPE Ratio Reality: Understanding what a 37 valuation reading means for your long-term return expectations. • The Cash Drag Trap: Why safety instruments like money markets expose your retirement to devastating inflation and interest rate risk. • The Delayed Claim Win: How deferring Social Security to age 70 protects your household against outliving your capital.

Chapters: 0:00 - Where should I invest my money right now? 2:17 - What is the right question to ask my financial advisor? 6:43 - How do I stop fear and greed from ruining my portfolio? 9:58 - How did the 2025 tariff shock and 2026 Iran conflict affect the market? 11:43 - Will my retirement survive a prolonged war or correction? 13:03 - Can I swap my current investment model to protect against downside risk? 14:00 - Is keeping all my cash in a savings account the safe? 15:27 - What is a "bull market"? 19:13 - Is a 60/40 allocation across all my accounts a mistake? 20:35 - Will Social Security actually be around by the time I retire? 24:53 - When should I start claiming my Social Security benefits? 26:12 - How do I maximize my Social Security to protect my surviving spouse? 27:30 - What is the actual break-even age for delaying my benefits? 31:52 - Am I hoarding too much cash right now?

Sources: Insights provided by Dean Barber and Chris Rett, CFP®, AIF® of Modern Wealth Management.

- Investment Directions: 2026 outlook https://www.ishares.com/us/insights/inside-the-market/2026-market-outlook-investment-directions - BlackRock: Investment Directions (2026 Asset Allocation Trends): https://www.blackrock.com/us/financial-professionals/insights/inside-the-market/investment-directions - ETF Database / AAII Sentiment Survey: What Could Move Stocks in 2026: https://etfdb.com/etf-strategist-channel/move-stocks-2026/ - AAII Sentiment Survey: Pessimism Pulls Back https://www.aaii.com/latest/article/455181-aaii-sentiment-survey-pessimism-pulls-back - US - S&P 500 Cyclically Adjusted PE Ratio https://en.macromicro.me/collections/34/us-stock-relative/410/us-sp500-cyclically-adjusted-price-earnings-ratio - Only when the tide goes out do you discover who's been swimming naked. https://www.brainyquote.com/quotes/warren_buffett_383933 Personal Finance - Social Security claims at 62 get social media buzz — experts say proceed with caution https://www.cnbc.com/2026/05/11/social-security-break-even-analysis.html ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.