{"version":"https://jsonfeed.org/version/1","title":"More for Your Money","home_page_url":"https://moreforyourmoney.fireside.fm","feed_url":"https://moreforyourmoney.fireside.fm/json","description":"More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money.\r\nDisclosure: https://bit.ly/3Yc920O\r\n","_fireside":{"subtitle":"An Uncommon 'Cents' approach to investing","pubdate":"2025-05-03T10:00:00.000-04:00","explicit":false,"copyright":"2025 by Uncommon Cents Investing ","owner":"Uncommon Cents Investing","image":"https://media24.fireside.fm/file/fireside-images-2024/podcasts/images/7/7182d005-6b8c-418a-851b-e9e5146bb081/cover.jpg?v=3"},"items":[{"id":"154d60a3-e301-4337-95fb-2c5e4580d071","title":"Episode 19: Uncommon Cents Investing - More for Your Money","url":"https://moreforyourmoney.fireside.fm/19","content_text":"This episode details the comprehensive services offered by Uncommon Cents Investing. Services go beyond just investment management to cover proactive financial planning, assistance with life events like retirement, aging parents' finances, and spouse's death, plus help with Social Security, RMDs, QCDs, and tax planning. They highlight their local, relationship-based approach and availability as more valuable than 1-800 numbers.","content_html":"\u003cp\u003eThis episode details the comprehensive services offered by Uncommon Cents Investing. Services go beyond just investment management to cover proactive financial planning, assistance with life events like retirement, aging parents\u0026#39; finances, and spouse\u0026#39;s death, plus help with Social Security, RMDs, QCDs, and tax planning. They highlight their local, relationship-based approach and availability as more valuable than 1-800 numbers.\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-05-03T10:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/154d60a3-e301-4337-95fb-2c5e4580d071.mp3","mime_type":"audio/mpeg","size_in_bytes":50727460,"duration_in_seconds":3170}]},{"id":"bd659ce4-20fc-48b4-89e2-ee5fca5b6e13","title":"Episode 18: Analyzing a Big Up Week - V-Shape, Bear Trap, and Uncommon Cents Investing's Value Strategy","url":"https://moreforyourmoney.fireside.fm/18","content_text":"The Uncommon Cents Investing Investment Committee discusses a strong market \"up week\". They debate V-shaped recovery vs. bear trap/secular bear market, highlighting their value investing strategy focusing on staying fully invested and managing investor emotion. A listener emphasizes the value of financial planners.Special Guests: Greg Snyder and Todd Berkley.","content_html":"\u003cp\u003eThe Uncommon Cents Investing Investment Committee discusses a strong market \u0026quot;up week\u0026quot;. They debate V-shaped recovery vs. bear trap/secular bear market, highlighting their value investing strategy focusing on staying fully invested and managing investor emotion. A listener emphasizes the value of financial planners.\u003c/p\u003e\u003cp\u003eSpecial Guests: Greg Snyder and Todd Berkley.\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-04-26T09:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/bd659ce4-20fc-48b4-89e2-ee5fca5b6e13.mp3","mime_type":"audio/mpeg","size_in_bytes":50727460,"duration_in_seconds":3170}]},{"id":"15671264-68c7-476f-884e-62a36695950d","title":"Episode 17: Understanding Market Breadth, P/E Calculations, and Valuation Indicators - 04/19/2025","url":"https://moreforyourmoney.fireside.fm/17","content_text":"In this episode, Todd Berkley joins John in a discussion of the current state of the market, noting that the S\u0026amp;P 500 was down for the week despite more stocks going up than down. The conversation delved into the complexities of price-earnings multiples, highlighting the differences between simple and aggregate calculations, as well as market-cap weighted versus equal-weighted P/E ratios. Todd explained the Buffett indicator, which compares total market cap to GDP, and the Schiller P/E, a 10-year inflation-adjusted ratio, both suggesting the market is expensive. They also touched upon the influence of events like the Sarbanes-Oxley Act on the market and discussed the insights of successful investors like Felix Zulauf, who had made accurate market predictions, and the perspective of Jeremy Siegel on potentially permanently higher P/E multiples due to increased money supplySpecial Guest: Todd Berkley.","content_html":"\u003cp\u003eIn this episode, Todd Berkley joins John in a discussion of the current state of the market, noting that the S\u0026amp;P 500 was down for the week despite more stocks going up than down. The conversation delved into the complexities of price-earnings multiples, highlighting the differences between simple and aggregate calculations, as well as market-cap weighted versus equal-weighted P/E ratios. Todd explained the Buffett indicator, which compares total market cap to GDP, and the Schiller P/E, a 10-year inflation-adjusted ratio, both suggesting the market is expensive. They also touched upon the influence of events like the Sarbanes-Oxley Act on the market and discussed the insights of successful investors like Felix Zulauf, who had made accurate market predictions, and the perspective of Jeremy Siegel on potentially permanently higher P/E multiples due to increased money supply\u003c/p\u003e\u003cp\u003eSpecial Guest: Todd Berkley.\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-04-19T12:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/15671264-68c7-476f-884e-62a36695950d.mp3","mime_type":"audio/mpeg","size_in_bytes":50801021,"duration_in_seconds":3174}]},{"id":"7b0de759-d21e-4851-aaf5-285b3d83c7c1","title":"Episode 16: Volatility and Vision: Understanding Market Moves and the Path to Financial, Time, and Purpose Freedom - 04/12/2025","url":"https://moreforyourmoney.fireside.fm/16","content_text":"The episode includes discussion around an article about a \"ski bum\" who learned the importance of financial freedom before pursuing time freedom and purpose, aligning with George Kinder's three freedoms of life. Throughout the discussion, the hosts emphasized the importance of having a long-term investment strategy and focusing on what individuals can control during market volatility","content_html":"\u003cp\u003eThe episode includes discussion around an article about a \u0026quot;ski bum\u0026quot; who learned the importance of financial freedom before pursuing time freedom and purpose, aligning with George Kinder\u0026#39;s three freedoms of life. Throughout the discussion, the hosts emphasized the importance of having a long-term investment strategy and focusing on what individuals can control during market volatility\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-04-12T09:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/7b0de759-d21e-4851-aaf5-285b3d83c7c1.mp3","mime_type":"audio/mpeg","size_in_bytes":50799349,"duration_in_seconds":3174}]},{"id":"8a707128-8a52-4117-b1dc-de24652a07d2","title":"Episode 15: Addressing Market Declines and the Retirement Mindset - 04/05/2025","url":"https://moreforyourmoney.fireside.fm/15","content_text":"John's discussion with Dr. Jim Burns centers on the recent significant decline in the stock market, with specific data points on major indexes and the VIX indicating heightened investor fear, exceeding even levels seen during the COVID-19 pandemic. Dr. Burns offers insights into the psychological impact of market downturns and the challenges individuals face when transitioning into retirement, emphasizing the importance of purpose beyond financial security and the difficulty of adapting to a less structured lifestyle. The conversation also touches on historical market trends, the tendency for investors to make emotional decisions, and the long-term potential for economic recovery driven by innovation.Special Guest: James A. Burns, PhD.","content_html":"\u003cp\u003eJohn\u0026#39;s discussion with Dr. Jim Burns centers on the recent significant decline in the stock market, with specific data points on major indexes and the VIX indicating heightened investor fear, exceeding even levels seen during the COVID-19 pandemic. Dr. Burns offers insights into the psychological impact of market downturns and the challenges individuals face when transitioning into retirement, emphasizing the importance of purpose beyond financial security and the difficulty of adapting to a less structured lifestyle. The conversation also touches on historical market trends, the tendency for investors to make emotional decisions, and the long-term potential for economic recovery driven by innovation.\u003c/p\u003e\u003cp\u003eSpecial Guest: James A. Burns, PhD.\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-04-05T15:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/8a707128-8a52-4117-b1dc-de24652a07d2.mp3","mime_type":"audio/mpeg","size_in_bytes":50801021,"duration_in_seconds":3174}]},{"id":"3fd1c73d-19ae-4894-b71c-4a9836995bee","title":"Episode 14: Navigating Market Volatility and the Looming Debt Challenge - 03/29/2025","url":"https://moreforyourmoney.fireside.fm/14","content_text":"More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. During this segment, Berkley and guests Greg Snyder and Todd Berkley discuss recent market performance, noting a decline across major indexes. They analyze factors contributing to this, including consumer confidence, inflation, and potential impacts of tariffs. A significant portion of the discussion centers on insights from David Stockman regarding the national debt and the difficult choices needed for fiscal reform. The hosts and a caller also touch upon potential economic consequences of unchecked deficit spending and different investment strategies in the current climate. Ultimately, the conversation offers listeners an analysis of current economic conditions and investment considerations.Special Guests: Greg Snyder and Todd Berkley.","content_html":"\u003cp\u003eMore for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. During this segment, Berkley and guests Greg Snyder and Todd Berkley discuss recent market performance, noting a decline across major indexes. They analyze factors contributing to this, including consumer confidence, inflation, and potential impacts of tariffs. A significant portion of the discussion centers on insights from David Stockman regarding the national debt and the difficult choices needed for fiscal reform. The hosts and a caller also touch upon potential economic consequences of unchecked deficit spending and different investment strategies in the current climate. Ultimately, the conversation offers listeners an analysis of current economic conditions and investment considerations.\u003c/p\u003e\u003cp\u003eSpecial Guests: Greg Snyder and Todd Berkley.\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-03-29T15:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/3fd1c73d-19ae-4894-b71c-4a9836995bee.mp3","mime_type":"audio/mpeg","size_in_bytes":50801021,"duration_in_seconds":3174}]},{"id":"fb77f939-a26a-4a2f-a7fa-b9fde0d64a18","title":"Episode 13: Investment Accounts for Children and Grandchildren - 03/22/2025","url":"https://moreforyourmoney.fireside.fm/13","content_text":"More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence. In this episode, John is joined by Krista Berkley, who shares insights on investment accounts for children and grandchildren, such as UTMAs, minor Roth IRAs, and 529 plans, stressing the benefits of early financial planning.\n\nFor more resources or to schedule an intro call, visit uncommoncentsinvesting.com.\n\nDisclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS.Special Guest: Krista Berkley.","content_html":"\u003cp\u003eMore for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence. In this episode, John is joined by Krista Berkley, who shares insights on investment accounts for children and grandchildren, such as UTMAs, minor Roth IRAs, and 529 plans, stressing the benefits of early financial planning.\u003c/p\u003e\n\n\u003cp\u003eFor more resources or to schedule an intro call, visit uncommoncentsinvesting.com.\u003c/p\u003e\n\n\u003cp\u003eDisclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS.\u003c/p\u003e\u003cp\u003eSpecial Guest: Krista Berkley.\u003c/p\u003e","summary":"Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2025-03-22T12:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/fb77f939-a26a-4a2f-a7fa-b9fde0d64a18.mp3","mime_type":"audio/mpeg","size_in_bytes":51449516,"duration_in_seconds":3174}]},{"id":"https://www.wclo.com/?post_type=episode\u0026p=129056","title":"Episode 12: Market Corrections, Risk, and Rethinking Retirement - 3/15/25","url":"https://moreforyourmoney.fireside.fm/12","content_text":"John Berkley and Sheena Hanson dive into this week’s market correction and what it means for long-term investors. From defining a true correction versus a bear market to discussing why value stocks are outperforming growth, they break it all down in plain language. Sheena shares how tech tools help clients make smart Social Security decisions, and the team talks through broader questions about risk tolerance, retirement, and finding financial independence. Plus, a listener question sparks a timely discussion on Roth conversions in a down market.\n\nFor more resources or to schedule an intro call, visit uncommoncentsinvesting.com.\n\nDisclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS.","content_html":"\u003cp\u003eJohn Berkley and Sheena Hanson dive into this week’s market correction and what it means for long-term investors. From defining a true correction versus a bear market to discussing why value stocks are outperforming growth, they break it all down in plain language. Sheena shares how tech tools help clients make smart Social Security decisions, and the team talks through broader questions about risk tolerance, retirement, and finding financial independence. Plus, a listener question sparks a timely discussion on Roth conversions in a down market.\u003c/p\u003e\n\n\u003cp\u003eFor more resources or to schedule an intro call, visit \u003ca href=\"https://uncommoncentsinvesting.com\" rel=\"nofollow\"\u003euncommoncentsinvesting.com\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eDisclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS.\u003c/p\u003e","summary":"John Berkley was joined by Sheena Hanson for an insightful and down-to-earth discussion on what recent market movements mean for long-term investors, and why strategy and mindset are more important than ever.","date_published":"2025-03-15T10:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/6cd45d6a-b688-4dbd-bb35-00c88379bc3a.mp3","mime_type":"audio/mpeg","size_in_bytes":51500532,"duration_in_seconds":3174}]},{"id":"https://www.wclo.com/?post_type=episode\u0026p=128754","title":"Episode 11: John Templeton’s 16 Rules for Investing - 3/8/25","url":"https://moreforyourmoney.fireside.fm/11","content_text":"John shares historical market context, including how small-cap stocks have been more volatile than large-caps and why that matters for long-term investors. They touch on recent performance across the major indexes, the shifting balance between growth and value stocks, and how market psychology plays a role in investor behavior.\n\nThe heart of the episode is Templeton’s 16 Rules, which include actionable wisdom like buying low, avoiding panic, doing your homework, and staying flexible. John provides commentary on each rule, drawing parallels to current market conditions and his own decades of experience. The episode also highlights Templeton’s philanthropic legacy and his belief in the power of spiritual wealth alongside financial wealth.\n\nListener questions spark helpful discussions about AI-driven trading, Walgreens going private, and the effects of tariffs on investing.\n\nThis episode is a deep dive into long-term investing fundamentals, ideal for listeners looking to sharpen their thinking and stay grounded in an ever-changing market.","content_html":"\u003cp\u003eJohn shares historical market context, including how small-cap stocks have been more volatile than large-caps and why that matters for long-term investors. They touch on recent performance across the major indexes, the shifting balance between growth and value stocks, and how market psychology plays a role in investor behavior.\u003c/p\u003e\n\n\u003cp\u003eThe heart of the episode is Templeton’s 16 Rules, which include actionable wisdom like buying low, avoiding panic, doing your homework, and staying flexible. John provides commentary on each rule, drawing parallels to current market conditions and his own decades of experience. The episode also highlights Templeton’s philanthropic legacy and his belief in the power of spiritual wealth alongside financial wealth.\u003c/p\u003e\n\n\u003cp\u003eListener questions spark helpful discussions about AI-driven trading, Walgreens going private, and the effects of tariffs on investing.\u003c/p\u003e\n\n\u003cp\u003eThis episode is a deep dive into long-term investing fundamentals, ideal for listeners looking to sharpen their thinking and stay grounded in an ever-changing market.\u003c/p\u003e","summary":"In this episode of More For Your Money, John Berkley is joined by Kit Carson for a focused and thoughtful discussion on legendary investor Sir John Marks Templeton. After a quick market recap, the conversation dives into Templeton’s 16 Rules for Investment Success—timeless principles that have guided generations of investors.","date_published":"2025-03-08T09:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/8b4f1449-8cb6-4d39-a628-07ee1a720427.mp3","mime_type":"audio/mpeg","size_in_bytes":51499974,"duration_in_seconds":3174}]},{"id":"https://www.wclo.com/?post_type=episode\u0026p=128452","title":"Episode 10: How UCI Manages Money (Buy List) with UCI Investment Committee (Greg Snyder and Todd Berkley) - 3/1/25","url":"https://moreforyourmoney.fireside.fm/10","content_text":"Ever wondered how investment professionals choose what goes into your portfolio? In this episode, John Berkley sits down with Greg Snyder and Todd Berkley from the Uncommon Cents Investing Investment Committee to explain UCI’s in-house approach to managing money. They explore how the firm builds its buy list, why value stocks remain a core focus, and how each client’s risk profile, account type, and goals shape portfolio construction. You’ll also hear about how market orders, limit orders, and tax strategy factor into day-to-day management. It’s a great episode for anyone who wants to understand the “why” behind their investments.Special Guests: Greg Snyder and Todd Berkley.","content_html":"\u003cp\u003eEver wondered how investment professionals choose what goes into your portfolio? In this episode, John Berkley sits down with Greg Snyder and Todd Berkley from the Uncommon Cents Investing Investment Committee to explain UCI’s in-house approach to managing money. They explore how the firm builds its buy list, why value stocks remain a core focus, and how each client’s risk profile, account type, and goals shape portfolio construction. You’ll also hear about how market orders, limit orders, and tax strategy factor into day-to-day management. It’s a great episode for anyone who wants to understand the “why” behind their investments.\u003c/p\u003e\u003cp\u003eSpecial Guests: Greg Snyder and Todd Berkley.\u003c/p\u003e","summary":"John Berkley is joined by Uncommon Cents Investing’s Investment Committee—Greg Snyder and Todd Berkley—for a detailed conversation about how UCI manages money. They walk through the firm’s disciplined approach to building and maintaining a buy list, how portfolios are tailored to each client, and why UCI avoids cookie-cutter models. From sector analysis to tax-aware strategies, this episode offers a behind-the-scenes look at the real work that goes into managing investments with care and intention.","date_published":"2025-03-01T09:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/1e3cae21-7ff7-4105-a4ff-9e2ec5e61e4a.mp3","mime_type":"audio/mpeg","size_in_bytes":51498979,"duration_in_seconds":3174}]},{"id":"https://www.wclo.com/?post_type=episode\u0026p=128190","title":"Episode 9: Questions to Ask Financial Advisors - 2/22/25","url":"https://moreforyourmoney.fireside.fm/9","content_text":"What should you ask before hiring a financial advisor? In this special episode, John Berkley welcomes Krista Berkley, a licensed advisor and family member with a slightly different business model, for a friendly but practical conversation about what truly matters when choosing someone to help manage your money. They break down key questions to bring into a first meeting—from investment philosophy and account rebalancing to risk tolerance and how your advisor gets paid.\n\nKrista shares the importance of fit, transparency, and long-term strategy over trends or fancy plans. Plus, they highlight how different models (fee-based vs. commission, in-house management vs. third-party) can each serve a purpose depending on your goals. Whether you're new to investing or rethinking your current relationship, this episode helps you ask the right questions so you can make smart, confident decisions.Special Guest: Krista Berkley.","content_html":"\u003cp\u003eWhat should you ask before hiring a financial advisor? In this special episode, John Berkley welcomes Krista Berkley, a licensed advisor and family member with a slightly different business model, for a friendly but practical conversation about what truly matters when choosing someone to help manage your money. They break down key questions to bring into a first meeting—from investment philosophy and account rebalancing to risk tolerance and how your advisor gets paid.\u003c/p\u003e\n\n\u003cp\u003eKrista shares the importance of fit, transparency, and long-term strategy over trends or fancy plans. Plus, they highlight how different models (fee-based vs. commission, in-house management vs. third-party) can each serve a purpose depending on your goals. Whether you\u0026#39;re new to investing or rethinking your current relationship, this episode helps you ask the right questions so you can make smart, confident decisions.\u003c/p\u003e\u003cp\u003eSpecial Guest: Krista Berkley.\u003c/p\u003e","summary":"John Berkley is joined by his daughter and fellow financial professional Krista Berkley for a conversational and insightful episode focused on empowering listeners with the right questions to ask when meeting a financial advisor. Whether you’re just getting started or considering switching firms, Krista and John share their perspectives on investment philosophy, risk tolerance, how accounts are managed, and why fit and communication matter more than flashy sales pitches. This episode is all about giving you more confidence when choosing who to trust with your money.","date_published":"2025-02-22T09:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/6541575e-ab42-45b1-924d-f70f5a3b04d3.mp3","mime_type":"audio/mpeg","size_in_bytes":51502073,"duration_in_seconds":3174}]},{"id":"https://www.wclo.com/?post_type=episode\u0026p=127678","title":"Episode 8: Retirement Withdrawal Strategies - 2/15/25","url":"https://moreforyourmoney.fireside.fm/8","content_text":"Retirement isn’t just about saving—it’s about creating a smart plan for how to use those savings. In this episode of More for Your Money, John Berkley and Sheena Hanson talk through the essential strategies for drawing down your investments in retirement. They cover the classic 4% rule (and its modern tweaks), bucket strategies, tax considerations, and how to manage volatility in early retirement.\n\nYou’ll also hear how different types of accounts—like Roth IRAs, traditional IRAs, and taxable brokerage accounts—play a role in creating a tax-efficient, sustainable retirement income. Whether your goal is to leave a legacy or spend it all, Sheena and John explain how to match your plan with your priorities.\n\nFrom market timing and inflation to Medicare costs and behavioral habits, this conversation covers the moving parts that make retirement income planning both an art and a science.","content_html":"\u003cp\u003eRetirement isn’t just about saving—it’s about creating a smart plan for how to use those savings. In this episode of More for Your Money, John Berkley and Sheena Hanson talk through the essential strategies for drawing down your investments in retirement. They cover the classic 4% rule (and its modern tweaks), bucket strategies, tax considerations, and how to manage volatility in early retirement.\u003c/p\u003e\n\n\u003cp\u003eYou’ll also hear how different types of accounts—like Roth IRAs, traditional IRAs, and taxable brokerage accounts—play a role in creating a tax-efficient, sustainable retirement income. Whether your goal is to leave a legacy or spend it all, Sheena and John explain how to match your plan with your priorities.\u003c/p\u003e\n\n\u003cp\u003eFrom market timing and inflation to Medicare costs and behavioral habits, this conversation covers the moving parts that make retirement income planning both an art and a science.\u003c/p\u003e","summary":"How do you turn your nest egg into a reliable paycheck in retirement? This week, John Berkley is joined by Sheena Hanson, CEO and CCO of Uncommon Cents Investing, for a deep dive into withdrawal strategies that help retirees make the most of their hard-earned savings. They explore the 4% rule, tax-smart distribution tactics, bucket strategies, and how to avoid common pitfalls like sequence of return risk. Whether you’re approaching retirement or already there, this episode will help you understand how to take money out without running out.","date_published":"2025-02-15T10:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/5240941e-0c1c-4c79-a979-eac2fee38eb1.mp3","mime_type":"audio/mpeg","size_in_bytes":51500950,"duration_in_seconds":3174}]},{"id":"https://www.wclo.com/?post_type=episode\u0026p=127167","title":"Episode 7: Senior Home Care with Visiting Angels with guest Patch Smith - 2/8/25","url":"https://moreforyourmoney.fireside.fm/7","content_text":"This week, More for Your Money shines a light on the personal and financial sides of long-term care with guest Patch Smith from Visiting Angels. John and Patch talk through the real-life needs of aging adults, how home care can provide comfort and flexibility, and how families can navigate caregiving challenges—without burning out.\n\nTopics include:\n\nWhat in-home care services actually look like\nHow caregivers are trained and matched with clients\nThe realities of long-term care insurance—and how to get companies to pay\nWhy many veterans don’t know they qualify for VA-funded in-home care\nOptions for working caregivers, part-time retirees, and those with medical backgrounds\nWhy early planning makes a difference\nThis episode isn’t just about care—it’s about dignity, choice, and empowering families with the information they need to make the best decision for their situation.Special Guest: Patrick Smith.","content_html":"\u003cp\u003eThis week, More for Your Money shines a light on the personal and financial sides of long-term care with guest Patch Smith from Visiting Angels. John and Patch talk through the real-life needs of aging adults, how home care can provide comfort and flexibility, and how families can navigate caregiving challenges—without burning out.\u003c/p\u003e\n\n\u003cp\u003eTopics include:\u003c/p\u003e\n\n\u003cp\u003eWhat in-home care services actually look like\u003cbr\u003e\nHow caregivers are trained and matched with clients\u003cbr\u003e\nThe realities of long-term care insurance—and how to get companies to pay\u003cbr\u003e\nWhy many veterans don’t know they qualify for VA-funded in-home care\u003cbr\u003e\nOptions for working caregivers, part-time retirees, and those with medical backgrounds\u003cbr\u003e\nWhy early planning makes a difference\u003cbr\u003e\nThis episode isn’t just about care—it’s about dignity, choice, and empowering families with the information they need to make the best decision for their situation.\u003c/p\u003e\u003cp\u003eSpecial Guest: Patrick Smith.\u003c/p\u003e","summary":"Navigating senior care options can be overwhelming—but understanding your choices can make all the difference. In this episode of More for Your Money, John Berkley welcomes Patch Smith, co-owner of Visiting Angels in South Central Wisconsin, to explore the world of in-home care. From respite visits to full-time support, they break down what home care looks like, who it's for, and how it compares to institutional options like assisted living.\r\n\r\nPatch also shares insights into long-term care insurance, how families can successfully access those benefits, and under-the-radar support available to veterans. Whether you’re planning ahead for a loved one or need immediate help, this conversation will help you understand your options and advocate for the care your family deserves.","date_published":"2025-02-08T10:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/23909961-52c8-47e5-88fe-1173e3ef2a45.mp3","mime_type":"audio/mpeg","size_in_bytes":51499110,"duration_in_seconds":3174}]},{"id":"bff63578-3447-4654-af81-ae56c0d031ae","title":"Episode 6: Tariffs, Gold, and the Debt: What History Might Teach Us About the Road Ahead - 2/1/25","url":"https://moreforyourmoney.fireside.fm/6","content_text":"On this episode of More for Your Money, it’s an “all-hands-on-deck” discussion as the Uncommon Cents Investing committee joins John in the studio to explore what’s really going on beneath the surface of the markets.\n\nThey cover:\n\nWhy the Dow is leading the indexes year-to-date—and what that might mean\nThe resurgence of gold: short-term hype or long-term trend?\nInflation, money supply, and how we measure economic reality (spoiler: Todd calls it the \"CP-lie\")\nHow government debt and interest costs are shaping future tax policy\nTariffs: the classical view vs. the modern playbook\nWhat economist Lacy Hunt sees coming—and why deflation might be next\nThe conversation balances economic theory with plainspoken examples, including a memorable story from John’s early investing days and a look at the real-world consequences of inflation on future generations.\n\nWhether you’re a seasoned investor or just curious about what’s driving the markets, this episode invites you to think critically about where we’ve been—and where we might be going.Special Guests: Greg Snyder and Todd Berkley.","content_html":"\u003cp\u003eOn this episode of More for Your Money, it’s an “all-hands-on-deck” discussion as the Uncommon Cents Investing committee joins John in the studio to explore what’s really going on beneath the surface of the markets.\u003c/p\u003e\n\n\u003cp\u003eThey cover:\u003c/p\u003e\n\n\u003cp\u003eWhy the Dow is leading the indexes year-to-date—and what that might mean\u003cbr\u003e\nThe resurgence of gold: short-term hype or long-term trend?\u003cbr\u003e\nInflation, money supply, and how we measure economic reality (spoiler: Todd calls it the \u0026quot;CP-lie\u0026quot;)\u003cbr\u003e\nHow government debt and interest costs are shaping future tax policy\u003cbr\u003e\nTariffs: the classical view vs. the modern playbook\u003cbr\u003e\nWhat economist Lacy Hunt sees coming—and why deflation might be next\u003cbr\u003e\nThe conversation balances economic theory with plainspoken examples, including a memorable story from John’s early investing days and a look at the real-world consequences of inflation on future generations.\u003c/p\u003e\n\n\u003cp\u003eWhether you’re a seasoned investor or just curious about what’s driving the markets, this episode invites you to think critically about where we’ve been—and where we might be going.\u003c/p\u003e\u003cp\u003eSpecial Guests: Greg Snyder and Todd Berkley.\u003c/p\u003e","summary":"In this week’s episode of More for Your Money, John Berkley is joined by the Uncommon Cents Investing committee—Greg, Todd, and Carson—for a wide-ranging, fast-paced discussion on market trends, inflation, gold, government debt, and the evolving role of tariffs in economic strategy.\r\n\r\nDrawing on insights from respected economist Lacy Hunt, the team explores whether deflation might be the next curveball for investors and how today’s policies echo some surprising historical parallels—like the Reagan era’s early pain and long-term gain. Along the way, they unpack the gold market, discuss the hidden cost of inflation on the middle class, and debate whether tariffs can be both a financial and geopolitical tool.\r\n\r\nIf you’re looking to connect the dots between interest rates, debt, inflation, and long-term investing, this one’s for you.","date_published":"2025-02-01T16:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/bff63578-3447-4654-af81-ae56c0d031ae.mp3","mime_type":"audio/mpeg","size_in_bytes":51497828,"duration_in_seconds":3174}]},{"id":"48dfbf16-0791-47b0-83d6-67b1c365dc15","title":"Episode 5: Roth IRA Conversions: The Why, the Why Not, and the Rest of the Story - 01/25/2025","url":"https://moreforyourmoney.fireside.fm/5","content_text":"If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.\n\nJohn and Carson explore:\n\nWhy “taxes are going up in 2026” might not be a strong enough reason\nWhat most people forget about state income taxes and relocation in retirement\nThe danger of converting at market highs\nHow medical expenses and charitable giving can make traditional IRAs more tax-efficient\nWhen Roth conversions do make sense—like during market downturns or low-income years\nWhy a Roth might be smart for people with large estates or trusts\nThe importance of having cash on the side to pay the tax bill\nYou’ll walk away with a clearer understanding of how Roth conversions fit into the big picture of retirement and tax planning—and why Uncommon Cents Investing takes an individualized, reason-first approach for every client.\n\n🧠 Notable Quotes\n“We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley\n“If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley\n“Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne","content_html":"\u003cp\u003eIf you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.\u003c/p\u003e\n\n\u003cp\u003eJohn and Carson explore:\u003c/p\u003e\n\n\u003cp\u003eWhy “taxes are going up in 2026” might not be a strong enough reason\u003cbr\u003e\nWhat most people forget about state income taxes and relocation in retirement\u003cbr\u003e\nThe danger of converting at market highs\u003cbr\u003e\nHow medical expenses and charitable giving can make traditional IRAs more tax-efficient\u003cbr\u003e\nWhen Roth conversions do make sense—like during market downturns or low-income years\u003cbr\u003e\nWhy a Roth might be smart for people with large estates or trusts\u003cbr\u003e\nThe importance of having cash on the side to pay the tax bill\u003cbr\u003e\nYou’ll walk away with a clearer understanding of how Roth conversions fit into the big picture of retirement and tax planning—and why Uncommon Cents Investing takes an individualized, reason-first approach for every client.\u003c/p\u003e\n\n\u003cp\u003e🧠 Notable Quotes\u003cbr\u003e\n“We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley\u003cbr\u003e\n“If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley\u003cbr\u003e\n“Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne\u003c/p\u003e","summary":"This week on More for Your Money, John Berkley and Kit Carson dive deep into a topic that generates more questions than answers: Roth IRA conversions. Should you convert? When does it make sense—and when does it not? With John's decades of experience and Carson's sharp curiosity, the duo takes listeners through a thoughtful, nuanced look at one of the most misunderstood moves in retirement planning.\r\n\r\nUsing the classic Paul Harvey style—“the rest of the story”—John highlights the lesser-known risks and hidden pitfalls of converting, like the impact of future tax law changes, state residency, IRMAA brackets, medical expense deductions, charitable giving strategies, and even market timing. And yes, he also shares smart, strategic situations where a Roth conversion does make good sense.","date_published":"2025-01-25T16:15:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/48dfbf16-0791-47b0-83d6-67b1c365dc15.mp3","mime_type":"audio/mpeg","size_in_bytes":51501039,"duration_in_seconds":3174}]},{"id":"e7867813-a48e-413d-bfcb-d44b61f36d24","title":"Episode 4: The Debt, Inflation, and Your Future: How to Stay Grounded in a Shaky Economy - 1/18/25","url":"https://moreforyourmoney.fireside.fm/4","content_text":"What does $36.2 trillion in federal debt mean for the average American? More than you might think.\n\nIn this timely episode, John Berkley shares:\n\nHow inflation has evolved since the gold standard days\nWhy today’s 123% debt-to-GDP ratio is historically alarming\nThe concept of “monetizing the debt” and its impact on your purchasing power\nWhat past inflationary periods (like WWII and the 1970s) can teach us\nThe risk of structural inflation—and how it may quietly erode savings over time\nWhy interest rates might go higher than Wall Street thinks\nWhat you can do: living within your means, saving smart, and investing intentionally\nThis is Economics 101—with a healthy dose of real-world application.\n\n🔑 Key Quotes\n“If the government spends more, you spend less. And if you don’t feel it through taxes, you’ll feel it through inflation.” – John Berkley\n“We’ve monetized debt before—and it came with pain. The question is: can we do it again without major consequences?”\n“We can’t fix the debt, but we can make better decisions—living within our means, saving, investing, and staying informed.”","content_html":"\u003cp\u003eWhat does $36.2 trillion in federal debt mean for the average American? More than you might think.\u003c/p\u003e\n\n\u003cp\u003eIn this timely episode, John Berkley shares:\u003c/p\u003e\n\n\u003cp\u003eHow inflation has evolved since the gold standard days\u003cbr\u003e\nWhy today’s 123% debt-to-GDP ratio is historically alarming\u003cbr\u003e\nThe concept of “monetizing the debt” and its impact on your purchasing power\u003cbr\u003e\nWhat past inflationary periods (like WWII and the 1970s) can teach us\u003cbr\u003e\nThe risk of structural inflation—and how it may quietly erode savings over time\u003cbr\u003e\nWhy interest rates might go higher than Wall Street thinks\u003cbr\u003e\nWhat you can do: living within your means, saving smart, and investing intentionally\u003cbr\u003e\nThis is Economics 101—with a healthy dose of real-world application.\u003c/p\u003e\n\n\u003cp\u003e🔑 Key Quotes\u003cbr\u003e\n“If the government spends more, you spend less. And if you don’t feel it through taxes, you’ll feel it through inflation.” – John Berkley\u003cbr\u003e\n“We’ve monetized debt before—and it came with pain. The question is: can we do it again without major consequences?”\u003cbr\u003e\n“We can’t fix the debt, but we can make better decisions—living within our means, saving, investing, and staying informed.”\u003c/p\u003e","summary":"In this week’s More for Your Money, John Berkley and Kit Carson tackle a topic that’s often in the headlines—but rarely explained in a way that makes sense: national debt and inflation. With warmth, wisdom, and a little Wisconsin winter humor, John breaks down what 36+ trillion dollars of federal debt actually means for us as investors, taxpayers, and future retirees.\r\n\r\nThey walk through the history of U.S. debt levels—from post-WWII to today—and how inflation, interest rates, and government spending have played a role in shaping the economy. What does this mean for your money? How should individuals prepare in a world of structural inflation, slow-moving tax reform, and the possibility of higher interest rates?\r\n\r\nJohn gets practical with a key takeaway: We can’t fix the national debt ourselves, but we can make smart decisions to protect our own finances.","date_published":"2025-01-18T16:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/e7867813-a48e-413d-bfcb-d44b61f36d24.mp3","mime_type":"audio/mpeg","size_in_bytes":51501596,"duration_in_seconds":3174}]},{"id":"3a8b623a-9a1c-46dc-a07c-5dfc7cdedc68","title":"Episode 3: Tipping, Taxes \u0026 Timely Advice: 2025 Planning and Everyday Financial Wisdom - 1/11/25","url":"https://moreforyourmoney.fireside.fm/3","content_text":"In this episode of More for Your Money, John is joined by Sheena Hanson and Carson in the studio to kick off the new year with timely insights and a little family fun. They review the latest tax planning changes for 2025, from IRA contributions and capital gains rules to required minimum distributions and estate tax thresholds. Sheena explains how Uncommon Cents handles annual reviews and why financial communication doesn’t have to be complicated.\n\nPlus, John revisits his 15 financial life lessons—covering everything from saving early to mastering your emotions—and Sheena weighs in on why opinions can have value (despite what Plato might say).\n\nWhether you're sorting out your taxes or just want smart, down-to-earth financial conversation, this episode brings clarity and a little humor along the way.","content_html":"\u003cp\u003eIn this episode of More for Your Money, John is joined by Sheena Hanson and Carson in the studio to kick off the new year with timely insights and a little family fun. They review the latest tax planning changes for 2025, from IRA contributions and capital gains rules to required minimum distributions and estate tax thresholds. Sheena explains how Uncommon Cents handles annual reviews and why financial communication doesn’t have to be complicated.\u003c/p\u003e\n\n\u003cp\u003ePlus, John revisits his 15 financial life lessons—covering everything from saving early to mastering your emotions—and Sheena weighs in on why opinions can have value (despite what Plato might say).\u003c/p\u003e\n\n\u003cp\u003eWhether you\u0026#39;re sorting out your taxes or just want smart, down-to-earth financial conversation, this episode brings clarity and a little humor along the way.\u003c/p\u003e","summary":"John Berkley returns to the More for Your Money studio this week with a full house—welcoming co-host Carson back from a short sick break, and special guest Sheena Hanson (his daughter and Principal at Uncommon Cents Investing). The trio covers everything from market updates and tipping trends to detailed 2025 tax planning changes.\r\n\r\nJohn revisits his now-famous \"15 Financial Life Lessons\" list, Sheena gives insight into how Uncommon Cents conducts thoughtful, personal annual reviews with clients, and the team walks through the latest tax brackets, deduction limits, and planning considerations for the year ahead.\r\n\r\nJohn, Sheena, and Carson break down 2025 tax updates, reflect on life and financial lessons, and explain why trust and communication matter when working with a financial advis","date_published":"2025-01-11T16:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/3a8b623a-9a1c-46dc-a07c-5dfc7cdedc68.mp3","mime_type":"audio/mpeg","size_in_bytes":51497736,"duration_in_seconds":3174}]},{"id":"53bdcc5e-e4cc-40d2-945a-085e89d61f88","title":"Episode 2: Navigating Trusts, Special Needs Planning, and Estate Considerations with Atty Robb Leach - 11/02/24","url":"https://moreforyourmoney.fireside.fm/2","content_text":"More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley and Sheena Hanson. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence.\n\nSpecial Needs Trusts, Wills vs. Trusts, and More: This episode covers crucial estate planning topics, including a detailed explanation of special needs trusts and a candid discussion on whether a trust is always the best option compared to wills and marital property agreements in Wisconsin.","content_html":"\u003cp\u003eMore for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley and Sheena Hanson. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence.\u003c/p\u003e\n\n\u003cp\u003eSpecial Needs Trusts, Wills vs. Trusts, and More: This episode covers crucial estate planning topics, including a detailed explanation of special needs trusts and a candid discussion on whether a trust is always the best option compared to wills and marital property agreements in Wisconsin.\u003c/p\u003e","summary":"Join John Berkley and Sheena Hanson of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2024-11-11T02:00:00.000-05:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/53bdcc5e-e4cc-40d2-945a-085e89d61f88.mp3","mime_type":"audio/mpeg","size_in_bytes":51658768,"duration_in_seconds":3184}]},{"id":"76540f2f-5ade-49a5-a6ad-53d3839c64aa","title":"Episode 1: Navigating Your Medicare Choices: A Discussion on Supplements and Advantage Plans - 09/28/24","url":"https://moreforyourmoney.fireside.fm/1","content_text":"More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence.\n\nThis episode of More for Your Money features a discussion with insurance expert Dave Bomkamp on navigating your Medicare choices. Learn the key differences between Medicare Advantage and Supplement plans, including network restrictions, referral requirements, and portability. Understand the importance of the Medicare Open Enrollment period (October 15 - December 7) for making changes. We also cover underwriting, drug coverage (Part D) and potential penalties, and why you should protect your Medicare number. Whether you're new to Medicare or considering a change, this episode provides valuable insights!Special Guest: Dave Bomkamp.","content_html":"\u003cp\u003eMore for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence.\u003c/p\u003e\n\n\u003cp\u003eThis episode of More for Your Money features a discussion with insurance expert Dave Bomkamp on navigating your Medicare choices. Learn the key differences between Medicare Advantage and Supplement plans, including network restrictions, referral requirements, and portability. Understand the importance of the Medicare Open Enrollment period (October 15 - December 7) for making changes. We also cover underwriting, drug coverage (Part D) and potential penalties, and why you should protect your Medicare number. Whether you\u0026#39;re new to Medicare or considering a change, this episode provides valuable insights!\u003c/p\u003e\u003cp\u003eSpecial Guest: Dave Bomkamp.\u003c/p\u003e","summary":"Join John Berkley and Sheena Hanson of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money.","date_published":"2024-09-28T09:00:00.000-04:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/7182d005-6b8c-418a-851b-e9e5146bb081/76540f2f-5ade-49a5-a6ad-53d3839c64aa.mp3","mime_type":"audio/mpeg","size_in_bytes":51661562,"duration_in_seconds":3184}]}]}