We don't often have guests, but we do, from time to time, invite some of the best minds in money management to join us. Author and financial educator, Dan Solin spends time with us this week to share some wisdom from his latest book, Wealthier: The Investing Field Guide for Millennials. We discuss buying a home versus renting, saving and investing for retirement, and the future of Social Security.

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On the week's question and answer session, Tom and Roxy take written questions from listeners about:

• Social Security spousal benefits.
• Moving Emergency Cash
• Short-Term Cash Options
• Portfolio Diversification
• AVGE vs. BND Allocation
• Real Estate Sales and Tax Planning

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Was retirement really better in thge past? Have 401k plans been a retirement income benefit or detriment? Might there be a better way to insure a secure retirement income? We also explore the difference in long-term returns between large-cap and small-cap value stocks. Plus, we hear from listeners:

• Why does the actual income from I-Bonds not match the stated rate?
• Can income from a court settlement from a stock in an IRA be transferred into the IRA?
• Is it better to take retirement income from investments annually, monthly, or as needed?
• Looking for a quick portfolio review?
• Is it okay to start spending extra money in retirement?

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Beware of complex investments or those promising to provide higher returns using some financial sleight-of-hand. Higher returns always require some sort of tradeoff. There are no special systems to game the markets, long-term. Then, we hear from listeners:

• He stayed in bonds and lost money, should he stick with them now?
• How can current assets be grown to enough to support retirement needs?
• Does it make sense to buy a second home on the beach?
• How should a very conservative retiree invest retirement funds?

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Millions of people rely on Social Security for a large portion of their income, yet the system is running low on money and won't be able to meet future obligations without major changes. So, which is better, reducing benefits or raising taxes? Plus, we take listeners questions:

• What's the best way to reduce taxes on retirement plan distributions?
• What can be done to reduce hodgepodgery in a portfolio?

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In the episode, instead of discussing all of the bad financial decisions we make, let's take time to acknowledge all of the good things we do with money. Plus, we take questions on:

• The possible negative impact that passive investing might have on the stock markets.
• The potential tax ramifications of a portfolio.

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The questions have started pouring in again. Thanks! Today...

• Using High-yielding CLOs Instead of Bonds.
• Adjusting Portfolio for Growth
• Maryland 529 Plan vs. Other Options
• Maximizing Growth for Grandchildren
• Understanding Rebalancing in a 401k
• Implementing a Three-Bucket Account Strategy

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The U.S. Labor Department is going to try again to hold some of those who provide advice on retirement assets to actually act in their clients' best interests. Will this new rule actually go into effect this time and who might it protect. Then we take your questions:

• What to we think of Keith Fitz-Gibbons investing advice?
• What's the best way to cover three years of expenses before collection Social Security?

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After years of diligently saving and investing a your retirement plans, what should you be doing when your accounts have grown to sizable amounts? Plus, we share the reasons for a small cap and value portfolio tilt. Plus, we hear from several listeners who ask:

• Why don't we talk more about 529 ABLE plans?
• What do we think of a portfolio with 20-year Treasury bonds?
• After maxxing out retirement accounts, where should other money be invested?
• Why can't more people save and invest?

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Is it a mutual fund? Is it an annuity? Can one investment met everyone's retirement needs? That's seems to be the claim of the complex BlackRock LifePath Paycheck funds. Plus, we talk about Warren Buffett's take on corporate taxes and how individuals could all end up paying no income taxes. We also discuss the workings of the "backdoor" Roth IRA. Then, listeners want to know:

• Nearing retirement is a fiduciary adviser needed and what should one cost?
• The name of the book Tom mentioned about Crazy Eddie?

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Gold has gotten hot again, but just because you can get a bar at Costco is it a decent investment? We look hack at the history and returns of gold over decades and longer. Plus, we take some listener questions:

• Where can information be found on a school districts's 403b plan?
• In what account order should money be withdrawn for a college education?

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