Podcast
Something More with Chris Boyd
Hosted by J. Christopher Boyd · EN
Something More with Chris Boyd is Cape Cod's finanical talk show, airing Saturday's at 3pm on WXTK, 95.1 FM. The show covers a wide variety of finanical topics with the goal of educating and entertaining.
14episodes
Episodes
Newest firstAll episodes
Conservative or Risk-Taker? How Your Life Experience Shapes Your Investing
2d ago00:26:21Tap to summarizeAre you truly a conservative investor, or has your life experience shaped you to think about risk differently? In this episode of Something More with Chris Boyd, Chris sits down with Brian Regan and Russ Ball to talk about how personal experiences influence investing decisions and why two people can look at the exact same opportunity and come away with very different perspectives. Brian reflects on entering the workforce during the financial crisis and how that period shaped a disciplined and cautious mindset while still recognizing the importance of investing for long term growth. The conversation explores the challenge many investors face: Protecting what they've worked hard to build while still pursuing enough growth to support future goals. Chris and Russ also discuss how this balance changes in retirement, when preservation becomes more important but growth still matters in order to keep pace with inflation and longevity. Topics include: • Why volatility is not always a bad thing • The importance of understanding what you own • How diversification and asset allocation help manage risk • Why risk tolerance is personal and often tied to your own experiences and perspective At the center of the conversation is the idea that investing is not one size fits all. The best financial strategy is one that aligns with your goals, your experiences, and your comfort level with uncertainty. #Investing #RiskManagement #BehavioralFinance #StockMarket #WealthBuilding #FinancialPlanning #PortfolioStrategy
Transcribe →Are You a Roth Convert? Why Many Don't and When It May Make Sense
1w ago00:31:20Tap to summarizeShould you convert to a Roth IRA, or is waiting the better move? In this episode of Something More with Chris Boyd, Chris and Russ Ball take on one of the most common questions in retirement planning and explore why so many investors hesitate when it comes to Roth conversions. Drawing from advanced IRA planning education and real conversations with clients, they break down the concerns that often stop people from taking action. Topics include the fear of paying taxes today, the possibility of higher Medicare premiums, and uncertainty about where future tax rates may be headed. Chris and Russ also look at the opportunities that can make Roth conversions worth considering, especially during the years between retirement and required minimum distributions. The conversation focuses on understanding the numbers, avoiding common misconceptions, and recognizing how delaying a decision can sometimes create larger tax consequences later. Topics include: • Why many investors avoid Roth conversions • How today's tax environment may create planning opportunities • The impact conversions can have on Medicare premiums and future taxes • Why timing matters in retirement income planning • How Roth strategies fit into a broader long term financial plan This episode is not about pushing a one size fits all strategy. It is about helping investors better understand their options so they can make informed decisions based on their goals, income needs, and future tax considerations. #RothIRA #RetirementPlanning #TaxStrategy #Investing #FinancialPlanning #WealthManagement #IRA #MoneyDecisions
Transcribe →Mailbag Episode: Real Questions on Taxes, Real Estate & Retirement Planning
2w ago00:32:34Tap to summarizeWhat happens when real-life financial questions don't have simple answers? In this episode of Something More with Chris Boyd, Chris and Russ Ball open the mailbag to tackle some of the most common—and often misunderstood questions from clients and listeners. From fixing excess Roth IRA contributions to navigating the complexities of a 1031 exchange, this episode walks through real-world scenarios that can have meaningful financial consequences if handled incorrectly. Along the way, they break down the rules, timing requirements, and potential pitfalls that investors need to be aware of. The conversation also shifts to a more personal and increasingly common challenge: what to do if you're approaching retirement with limited savings. Chris and Russ explore practical strategies for improving your position, including adjusting spending, evaluating housing choices, and considering part-time work to strengthen your long-term outlook. At its core, this episode is about clarity, flexibility, and informed decision-making. Whether you're dealing with a tax issue, evaluating real estate strategies, or simply trying to figure out your next step financially, this discussion offers grounded, actionable insight. If you've ever wondered "What should I do in this situation?" this episode is for you. #FinancialPlanning #TaxStrategy #RetirementPlanning #WealthManagement #Investing #AdvisorInsights
Transcribe →Caught Between Growth and Risk: Navigating Today's Market Signals
3w ago00:31:19Tap to summarizeMarkets are hitting new highs but is the foundation as strong as it seems? In this 19th anniversary episode of Something More with Chris Boyd, Chris is joined by Brian Regan, CFA, for a deep dive into the latest quarterly market insights. While earnings remain impressive especially driven by AI and large-cap growth several underlying risks are beginning to emerge that investors can't afford to ignore. Brian shares why inflation remains a key concern, how geopolitical tensions and energy prices are influencing economic trends, and why the Federal Reserve's next moves may keep interest rates higher for longer. He also highlights lesser-discussed risks gaining traction, including private credit liquidity concerns, shifts in construction employment, and the evolving role of cryptocurrency in consumer behavior. Together, they explore what a "K-shaped" economy really means for investors and why markets can perform well even as large segments of the population struggle. Perhaps most importantly, this conversation focuses on how to respond thoughtfully not react emotionally. Rather than making drastic portfolio moves, Chris and Brian explain the value of making measured, strategic adjustments to navigate uncertainty while staying invested for long-term growth. If you're wondering whether today's strong market performance is sustainable or what warning signs might lie ahead this episode offers timely perspective and practical guidance. #FinancialPlanning #Investing #Markets #WealthManagement #EconomicOutlook #PortfolioStrategy #RetirementPlanning
Transcribe →Leadership Matters; sometimes more than investors realize
Apr 2800:31:29Tap to summarizeIn this episode of Something More with Chris Boyd, Chris is joined once again by Brian Regan, Senior Portfolio Manager on the AMR Team at Wealth Enhancement, to explore how leadership changes—at major corporations and within the Federal Reserve—can materially influence investment outcomes. The conversation begins with high‑profile leadership transitions, including Apple's succession from Tim Cook, shifts at Berkshire Hathaway, Netflix, Starbucks, and Simon Property Group, and why investors should care not just who leads a company—but how they got there. Chris and Brian unpack what they look for in effective leadership: Founder-led vs. externally hired CEOs Long tenure and institutional knowledge Capital allocation discipline Governance structures that protect shareholders The risks of concentrated control and weak oversight They also discuss: Apple's strategic restraint in AI spending—and why that may be a competitive advantage Governance failures that create "value traps" Why leadership continuity often trumps flashy turnarounds The coming transition at the Federal Reserve, Jerome Powell's legacy, and what uncertainty at the Fed could mean for markets Why strong bank earnings are a reassuring economic signal The episode concludes with a candid discussion on financial advisory fees—when advisors do earn their keep, when they don't, and how good advice extends far beyond investment selection into behavioral coaching, planning, tax strategy, and risk management. A thoughtful reminder that people matter behind the balance sheets—and so does the advice you rely on.
Transcribe →War, Markets, and the Strait of Hormuz: What Investors Need to Know Now
Apr 2200:22:15Tap to summarizeWe're now two months into the conflict involving Iran—so what does it really mean for markets and your portfolio? In this episode of Something More with Chris Boyd, Chris is joined by Brian Regan, Senior Portfolio Manager on the AMR Team at Wealth Enhancement, for a timely and grounded conversation about geopolitics, market volatility, and long‑term investing discipline. The discussion revisits the market's initial reaction when the conflict began in late February, the sharp but short-lived selloff, and the subsequent rally back toward all‑time highs. Chris and Brian explain why markets often recover faster than headlines suggest—and why investors who remain disciplined are often rewarded. They also explore: Why the Strait of Hormuz matters so much to global energy markets How oil price spikes ripple through inflation, interest rates, and portfolios Which sectors have shown resilience during the conflict Why earnings expectations—not fear—ultimately drive markets How yield curve shifts impact gold, banks, housing, and private credit What could happen if the ceasefire holds—or breaks down Most importantly, this episode reinforces a timeless investing lesson: Short‑term geopolitical events are rarely a reason to abandon a sound long‑term plan. If global uncertainty has you questioning your portfolio, this conversation offers perspective, context, and calm.
Transcribe →When Power of Attorney Isn't Enough: Real‑World Estate Challenges
Apr 2200:35:46Tap to summarizeIn part two of Chris Boyd's conversation with author Beth Pinsker, they dive into the legal and logistical realities families face when a loved one declines or passes away. Beth shares firsthand stories about powers of attorney that didn't work, banks refusing access, the maze of government agencies, and the surprising complications of digital assets. One striking line from the show: "I thought those documents were the golden ticket… and then I went to try to use a power of attorney." They also explore estate planning, fairness vs. equality among heirs, and how to prevent family conflict before it starts. #EstatePlanning #DigitalAssets #PowerOfAttorney #ElderCare #FinancialCaregiving #FamilyPlanning #WealthManagement #SomethingMoreWithChrisBoyd
Transcribe →Planning for the phone call that changes everything: Financial caregiving for aging parents
Apr 1400:37:42Tap to summarizeMost families don't plan for financial caregiving until they're forced into it. In this episode, Chris Boyd talks with award‑winning financial journalist and author Beth Pinsker, whose book My Mother's Money: A Guide to Financial Caregiving blends memoir and practical guidance. They explore the moment "everything changed," the early red flags families often miss, why even the "right" documents aren't always enough, and how the cost of care becomes painfully real. As Beth says: "Financial red flags come first… handling money is a complicated higher function." If you have aging parents — or expect to one day — this conversation is essential. #FinancialCaregiving #AgingParents #ElderCare #FamilyFinance #LongTermCare #CaregivingJourney #EstatePlanning #SomethingMoreWithChrisBoyd #WealthEnhancement
Transcribe →Are You Making These Retirement and College Savings Mistakes?
Apr 700:33:58Tap to summarizeIn this episode of Something More with Chris Boyd, Chris and Brian dive into two of the biggest areas where families unintentionally sabotage their financial success: retirement savings missteps and education planning mistakes. Brian discusses patterns he's seen after reviewing hundreds of 401(k) plans — especially the surprising frequency of investors mixing target-date funds with additional stock funds, inadvertently doubling their risk. Chris and Brian explain how target-date funds are designed, why adding extra funds defeats the purpose, and how investors often fall into the trap of chasing performance or comparing themselves unfairly to the S&P 500. The conversation also unpacks: Why the S&P 500 is not an appropriate benchmark for most people How risk tolerance, time horizon, and personal financial stability should determine allocation Why short-term performance viewing leads to emotional decisions The "illusion of diversification" when holding many similar stock funds How to properly evaluate whether your portfolio risk matches your goals The importance of focusing on time in the market, not timing the market Then the episode turns to education planning mistakes — an increasingly urgent topic as college costs continue skyrocketing. Chris and Brian cover: Why early and consistent saving matters most Why 529 plans remain the best savings vehicle for education How the new Trump savings accounts fit in (and don't) How costs differ dramatically between public vs. private education Why parents often damage their own retirement security trying to pay for college The importance of setting expectations with children early Brian's personal system for projecting education costs to 2044 Why lifestyle decisions (cars, home choices, spending patterns) impact your ability to fund education Finally, the discussion closes with a thoughtful segment on whether buying a home is always the right move, especially for Millennials and Gen Z. Chris and Brian outline why today's high prices and high mortgage rates reduce affordability — and why renting may sometimes make more financial sense until conditions improve. Learn more / Contact us: https://somethingmorewithchrisboyd.com AMR-info@wealthenhancement.com Like, subscribe, and share if you find this helpful. #RetirementPlanning #CollegeSavings #TargetDateFunds #529Plans #FinancialEducation #WealthManagement #smwcb
Transcribe →Should You Sell When Markets Go Down? Smart Decisions in Volatile Times
Mar 3100:34:04Tap to summarizeWhy panic selling backfires — and how proper planning prevents emotional mistakes. In this episode of Something More with Chris Boyd, Chris and Brian Regan tackle a timeless question: Why do investors feel the urge to sell when markets decline? They explore the psychology behind market fear, why this instinct is often counterproductive, and how disciplined planning helps investors avoid costly emotional decisions. From there, the conversation moves into today's market environment — including the global tensions, oil price changes, sector‑specific volatility, and what these disruptions mean (and don't mean) for long‑term investors. A major focus in this episode is private credit; an area Brian has been warning about since early 2025. He outlines why the surge in private credit inflows, liquidity mismatches, rising default rates, and cross‑ownership structures between private equity and private credit funds are creating instability beneath the surface. While not a 2008‑style crisis, Brian explains why investors — especially those unknowingly exposed — should pay attention. #MarketVolatility #InvestorBehavior #FinancialPlanning #WealthManagement #PrivateCredit #SomethingMoreWithChrisBoyd
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