web01.fireside.fm Wed, 06 May 2026 07:58:50 -0500 Fireside (https://fireside.fm) More for Your Money - Episodes Tagged with “Retirement Planning” https://moreforyourmoney.fireside.fm/tags/retirement%20planning Sat, 11 Apr 2026 12:00:00 -0400 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. Disclosure: https://bit.ly/3Yc920O af episodic An Uncommon 'Cents' approach to investing Uncommon Cents Investing 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. Disclosure: https://bit.ly/3Yc920O no 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. Uncommon Cents Investing sheena@uncommoncentsinvesting.com Episode 68: The Me Generation vs. The You Generation: A Financial Reality Check - 04/11/2026 https://moreforyourmoney.fireside.fm/68 892bb632-1769-41c9-a32e-636b21c78aba Sat, 11 Apr 2026 12:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>John Berkley examines the growing economic divide between the prosperous "Me Generation" and today’s younger workforce. Through an insightful look at rising national debt and global competition, Berkley challenges traditional financial paths. He advocates for specialized skill development and self-education over costly degrees, while exploring the philosophical sacrifices required for wealth accumulation. From understanding the law of marginal utility to navigating inflation, this program provides a realistic roadmap for achieving financial independence and protecting your future in a shifting economic landscape. </p> wealth accumulation, national debt, Me Generation, financial independence, skill development, self-education, retirement planning, economic divide, investment strategies, marginal utility John Berkley examines the growing economic divide between the prosperous "Me Generation" and today’s younger workforce. Through an insightful look at rising national debt and global competition, Berkley challenges traditional financial paths. He advocates for specialized skill development and self-education over costly degrees, while exploring the philosophical sacrifices required for wealth accumulation. From understanding the law of marginal utility to navigating inflation, this program provides a realistic roadmap for achieving financial independence and protecting your future in a shifting economic landscape.

]]> John Berkley examines the growing economic divide between the prosperous "Me Generation" and today’s younger workforce. Through an insightful look at rising national debt and global competition, Berkley challenges traditional financial paths. He advocates for specialized skill development and self-education over costly degrees, while exploring the philosophical sacrifices required for wealth accumulation. From understanding the law of marginal utility to navigating inflation, this program provides a realistic roadmap for achieving financial independence and protecting your future in a shifting economic landscape.

]]> Episode 65: Rethinking Insurance, Savings, and the Wisdom of Investing - 03/21/2026 https://moreforyourmoney.fireside.fm/65 8edff9b7-df9d-4d65-9f3e-1c3ce797b3b3 Sat, 21 Mar 2026 12:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>John Berkley explores an "uncommon cents" approach to wealth management, emphasizing that insurance is a protection product, not an investment. He details strategies for self-insuring as net worth grows and explains the optimal timing for Roth conversions during market dips. Drawing on wisdom from Charlie Munger and Warren Buffett, Berkley highlights the importance of emotional stability and learning vicariously through others. For younger listeners, he encourages developing savings patterns and finding mentors rather than obsessing solely over retirement. </p> Uncommon cents investing, More for Your Money podcast, John Berkley, financial advisor, term life insurance benefits, self-insuring strategies, high deductible savings, Roth conversion timing, emotional stability in investing, Charlie Munger investment wisdom, financial mentorship for youth, savings patterns, psychology of money John Berkley explores an "uncommon cents" approach to wealth management, emphasizing that insurance is a protection product, not an investment. He details strategies for self-insuring as net worth grows and explains the optimal timing for Roth conversions during market dips. Drawing on wisdom from Charlie Munger and Warren Buffett, Berkley highlights the importance of emotional stability and learning vicariously through others. For younger listeners, he encourages developing savings patterns and finding mentors rather than obsessing solely over retirement.

]]> John Berkley explores an "uncommon cents" approach to wealth management, emphasizing that insurance is a protection product, not an investment. He details strategies for self-insuring as net worth grows and explains the optimal timing for Roth conversions during market dips. Drawing on wisdom from Charlie Munger and Warren Buffett, Berkley highlights the importance of emotional stability and learning vicariously through others. For younger listeners, he encourages developing savings patterns and finding mentors rather than obsessing solely over retirement.

]]> Episode 64: Entrepreneurship, Passion, and the Journey to Financial Freedom - 03/14/2026 https://moreforyourmoney.fireside.fm/64 04030c22-19da-4d98-b1cb-95894f54d62a Sat, 14 Mar 2026 12:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>John Berkley concludes "the rest of the story" regarding his transition from General Motors to founding Uncommon Cents Investing. He analyzes recent market performance, describing current index declines as a "normal pullback." Berkley explores entrepreneurship, emphasizing that success requires a strong work ethic and a genuine passion for one’s endeavor. By sharing his experience finding a "niche" with school district employees, he illustrates how wealth accumulation provides the freedom and options to live life on your own terms. </p> John Berkley, Uncommon Cents Investing, financial advisor Janesville, entrepreneurship, 403b retirement plans, school district employees, General Motors retirement, wealth accumulation, financial freedom, stock market pullback, retirement planning, work ethic, investing journey, More for Your Money podcast, and investment advisory services John Berkley concludes "the rest of the story" regarding his transition from General Motors to founding Uncommon Cents Investing. He analyzes recent market performance, describing current index declines as a "normal pullback." Berkley explores entrepreneurship, emphasizing that success requires a strong work ethic and a genuine passion for one’s endeavor. By sharing his experience finding a "niche" with school district employees, he illustrates how wealth accumulation provides the freedom and options to live life on your own terms.

]]> John Berkley concludes "the rest of the story" regarding his transition from General Motors to founding Uncommon Cents Investing. He analyzes recent market performance, describing current index declines as a "normal pullback." Berkley explores entrepreneurship, emphasizing that success requires a strong work ethic and a genuine passion for one’s endeavor. By sharing his experience finding a "niche" with school district employees, he illustrates how wealth accumulation provides the freedom and options to live life on your own terms.

]]> Episode 60: Navigating Market Rotation, Global Taxes, and After-Hours Trading - 02/14/2026 https://moreforyourmoney.fireside.fm/60 81d44b19-c9f9-4868-98b4-e3808d53a5c0 Sat, 14 Feb 2026 09:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>Join host John Berkley and the Uncommon Cents Investing committee for an in-depth look at today’s shifting financial landscape. This episode explores the mechanics and risks of pre- and post-market trading, the current market rotation from "Mag 7" growth to small-cap value stocks, and how global debt trends from China and Japan may impact interest rates. The team also breaks down the Value Added Tax (VAT) versus the U.S. tax system and discusses why historical context and strategic portfolio "tweaks" are essential for navigating market volatility. Special Guests: Greg Snyder and Todd Berkley.</p> investment advisor Janesville, retirement planning, market rotation, small-cap value stocks, Russell 2000, Magnificent 7 stocks, S&P 500 performance, market correction vs rotation, Value Added Tax VAT, European tax system vs US, consumption tax, income tax history Wisconsin, pre-market trading, after-hours trading, electronic communication network ECN, bid-ask spread, limit orders vs market orders, US Treasury bonds, China and Japan US debt, interest rate outlook, bond portfolio maturity, long-term value investing Join host John Berkley and the Uncommon Cents Investing committee for an in-depth look at today’s shifting financial landscape. This episode explores the mechanics and risks of pre- and post-market trading, the current market rotation from "Mag 7" growth to small-cap value stocks, and how global debt trends from China and Japan may impact interest rates. The team also breaks down the Value Added Tax (VAT) versus the U.S. tax system and discusses why historical context and strategic portfolio "tweaks" are essential for navigating market volatility.

Special Guests: Greg Snyder and Todd Berkley.

]]> Join host John Berkley and the Uncommon Cents Investing committee for an in-depth look at today’s shifting financial landscape. This episode explores the mechanics and risks of pre- and post-market trading, the current market rotation from "Mag 7" growth to small-cap value stocks, and how global debt trends from China and Japan may impact interest rates. The team also breaks down the Value Added Tax (VAT) versus the U.S. tax system and discusses why historical context and strategic portfolio "tweaks" are essential for navigating market volatility.

Special Guests: Greg Snyder and Todd Berkley.

]]> Episode 59: Investing Lessons from Wall Street Legends Jesse Livermore and John Templeton - 02/07/2026 https://moreforyourmoney.fireside.fm/59 f9a25141-7932-4852-abd2-c69e02220a6d Sat, 07 Feb 2026 09:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:18 no <p>Join host John Berkley on More for Your Money as he examines Treasury bonds, market valuations, and the benefits of a fiduciary, independent approach to financial planning,,. This episode features in-depth profiles of two investment legends: Jesse Livermore, the pioneer of momentum investing who believed market patterns reflect unchanging human nature, and Sir John Templeton, the legendary global value investor who shared 16 essential rules for success,,,. Berkeley also explores how a local, listening-first strategy can turn retirement into a permanent "snow day" filled with confidence and flexibility. </p> retirement planning, fiduciary financial advisor, John Berkley, Janesville financial services, Rock County investment advice, Jesse Livermore, momentum investing, technical analysis, Sir John Templeton, global value investing, contrarian investing, 16 rules for investment success, Treasury bonds, 10-year Treasury, market valuation, P/E multiples, bull and bear markets, diversification, inflation protection, snow day retirement, Social Security planning, independent financial advisor, market patterns, human nature in finance. Join host John Berkley on More for Your Money as he examines Treasury bonds, market valuations, and the benefits of a fiduciary, independent approach to financial planning,,. This episode features in-depth profiles of two investment legends: Jesse Livermore, the pioneer of momentum investing who believed market patterns reflect unchanging human nature, and Sir John Templeton, the legendary global value investor who shared 16 essential rules for success,,,. Berkeley also explores how a local, listening-first strategy can turn retirement into a permanent "snow day" filled with confidence and flexibility.

]]> Join host John Berkley on More for Your Money as he examines Treasury bonds, market valuations, and the benefits of a fiduciary, independent approach to financial planning,,. This episode features in-depth profiles of two investment legends: Jesse Livermore, the pioneer of momentum investing who believed market patterns reflect unchanging human nature, and Sir John Templeton, the legendary global value investor who shared 16 essential rules for success,,,. Berkeley also explores how a local, listening-first strategy can turn retirement into a permanent "snow day" filled with confidence and flexibility.

]]> Episode 58: Roth IRA Conversions: The Whys, the Why-Nots, and the Wisconsin Tax Exemption - 01/31/2026 https://moreforyourmoney.fireside.fm/58 b91c1b76-081d-4c30-992d-f89931590537 Sat, 31 Jan 2026 11:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>In this episode of More for Your Money, John Berkley and Kit Carson explore the "rest of the story" regarding Roth IRA conversions. Berkley outlines the "whys" of converting, such as legacy planning for adult children or protecting high-value estates, alongside "why-nots" like potential IRMAA increases or Social Security taxation. A major highlight is the new Wisconsin tax exemption, allowing residents 67 and older to exclude up to $24,000 of retirement income per person from state taxes. The duo emphasizes integrating these variables with investment strategies, reminding listeners that retirement planning requires thorough "homework" and professional consultation. </p> Roth IRA conversion, traditional IRA, retirement planning, tax bracket planning, 12 percent tax bracket, adjusted gross income, AGI, federal estate tax, 15 million estate limit, 30 million estate limit, market decline conversion strategy, market valuation, price to earnings ratio, trust taxation, Wisconsin retirement tax exemption, Wisconsin tax law change, 24000 dollar retirement income exclusion, Wisconsin seniors tax break, Janesville financial advisor, IRMAA, income related monthly adjustment amount, Medicare Part B premiums, Social Security taxation, Qualified Charitable Distribution, QCD, long-term care tax deduction, required minimum distribution, RMD age 73, RMD age 75 In this episode of More for Your Money, John Berkley and Kit Carson explore the "rest of the story" regarding Roth IRA conversions. Berkley outlines the "whys" of converting, such as legacy planning for adult children or protecting high-value estates, alongside "why-nots" like potential IRMAA increases or Social Security taxation. A major highlight is the new Wisconsin tax exemption, allowing residents 67 and older to exclude up to $24,000 of retirement income per person from state taxes. The duo emphasizes integrating these variables with investment strategies, reminding listeners that retirement planning requires thorough "homework" and professional consultation.

]]> In this episode of More for Your Money, John Berkley and Kit Carson explore the "rest of the story" regarding Roth IRA conversions. Berkley outlines the "whys" of converting, such as legacy planning for adult children or protecting high-value estates, alongside "why-nots" like potential IRMAA increases or Social Security taxation. A major highlight is the new Wisconsin tax exemption, allowing residents 67 and older to exclude up to $24,000 of retirement income per person from state taxes. The duo emphasizes integrating these variables with investment strategies, reminding listeners that retirement planning requires thorough "homework" and professional consultation.

]]> Episode 56: Simplifying Retirement: The Bucket Debate, Fiduciary Standards, and Navigating Financial Complexity - 01/17/2026 https://moreforyourmoney.fireside.fm/56 8d46b888-9881-481a-ae53-5b6d13c3854d Sat, 17 Jan 2026 12:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>In this episode of More for Your Money, John Berkley and Sheena Hanson discuss the "uncommon cents" approach to retirement. They contrast the complex investment "bucket theory" with their simplified single-portfolio strategy. The hosts also critique Department of Labor fiduciary regulations, noting how administrative rules can increase consumer costs. Real-world highlights include resolving poorly documented estates and navigating 64% premium hikes in long-term care insurance. By prioritizing listening over numbers, the team demonstrates how local, independent advisors help Rock County retirees manage complex financial transitions with confidence. </p> Retirement planning, investment bucket theory, fiduciary standard, financial advisor Janesville, independent wealth management, long-term care insurance premiums, Social Security retirement benefits, Medicare vs Medicare Advantage, estate planning hurdles, risk management strategies, single portfolio approach, Department of Labor regulations, Rock County financial services, fee-based advisors, 401k rollover advice, sequence of returns risk, retirement income planning, managing financial complexity, and problem solving for seniors In this episode of More for Your Money, John Berkley and Sheena Hanson discuss the "uncommon cents" approach to retirement. They contrast the complex investment "bucket theory" with their simplified single-portfolio strategy. The hosts also critique Department of Labor fiduciary regulations, noting how administrative rules can increase consumer costs. Real-world highlights include resolving poorly documented estates and navigating 64% premium hikes in long-term care insurance. By prioritizing listening over numbers, the team demonstrates how local, independent advisors help Rock County retirees manage complex financial transitions with confidence.

]]> In this episode of More for Your Money, John Berkley and Sheena Hanson discuss the "uncommon cents" approach to retirement. They contrast the complex investment "bucket theory" with their simplified single-portfolio strategy. The hosts also critique Department of Labor fiduciary regulations, noting how administrative rules can increase consumer costs. Real-world highlights include resolving poorly documented estates and navigating 64% premium hikes in long-term care insurance. By prioritizing listening over numbers, the team demonstrates how local, independent advisors help Rock County retirees manage complex financial transitions with confidence.

]]> Episode 52: Timeless Lessons from Financial Legends and the Great Depression - 12/20/2025 https://moreforyourmoney.fireside.fm/52 409638a6-5fe4-449c-89e6-b602d7eb8b3d Sat, 20 Dec 2025 16:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>Join host John Berkley for a weekly market recap before diving into a history lesson on financial legends from the 1920s and 30s. The episode explores the lives of William Durant and Jesse Livermore, analyzing the risks of high-leverage margin debt and the infamous "Rascub’s Folly". Berkeley clarifies the critical difference between a market crash and a depression, citing the historical impact of monetary policy. By sharing timeless wisdom from Phil Karee and Lucian Hooper, the show emphasizes that patience and a long-term perspective are the true keys to success. Ultimately, because human nature remains constant, Wall Street never truly changes. </p> John Jacob Raskob, William Durant, Jesse Livermore, Phil Carret, Lucian Hooper, Pierre DuPont, 1929 stock market crash, Great Depression, monetary policy, fiscal policy, Federal Reserve history, dollar cost averaging, margin debt, investment leverage, margin calls, total return, dividend reinvestment, S&P 500, Dow Jones Industrial Average, NASDAQ, Russell 2000, 10-year Treasury bond, value investing, diversified portfolio, long-term performance, patience in investing, investment inactivity, compounding interest, human nature and Wall Street. Join host John Berkley for a weekly market recap before diving into a history lesson on financial legends from the 1920s and 30s. The episode explores the lives of William Durant and Jesse Livermore, analyzing the risks of high-leverage margin debt and the infamous "Rascub’s Folly". Berkeley clarifies the critical difference between a market crash and a depression, citing the historical impact of monetary policy. By sharing timeless wisdom from Phil Karee and Lucian Hooper, the show emphasizes that patience and a long-term perspective are the true keys to success. Ultimately, because human nature remains constant, Wall Street never truly changes.

]]> Join host John Berkley for a weekly market recap before diving into a history lesson on financial legends from the 1920s and 30s. The episode explores the lives of William Durant and Jesse Livermore, analyzing the risks of high-leverage margin debt and the infamous "Rascub’s Folly". Berkeley clarifies the critical difference between a market crash and a depression, citing the historical impact of monetary policy. By sharing timeless wisdom from Phil Karee and Lucian Hooper, the show emphasizes that patience and a long-term perspective are the true keys to success. Ultimately, because human nature remains constant, Wall Street never truly changes.

]]> Episode 48: Liquidity, Debt, and Private Credit: Navigating Hidden Dangers in Volatile Markets - 11/22/2025 https://moreforyourmoney.fireside.fm/48 c7af2665-9318-43f4-bcc2-69d93b7e7935 Sat, 22 Nov 2025 13:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>The More for Your Money panel reviewed a volatile week where all four major indexes declined, noting "mixed signals" indicative of a battle between bulls and bears. Guest Todd asserted that the market, by nearly every metric, is currently a bubble built on credit and debt, drawing historical parallels to 1929. A major concern discussed was liquidity risk, specifically identifying private equity/credit as a "hidden evil" due to its lack of regulation and transparency compared to public markets. The panel also debated a listener query regarding the risk of the federal government taking equity stakes in private strategic companies (like Intel) while managing massive national debt. Special Guests: Greg Snyder and Todd Berkley.</p> Investment volatility, market analysis, stock market bubble, 1929 parallels, liquidity risk, private equity, private credit, hidden evil, lack of transparency, debt and credit, growth vs. value investing, JDB indicator, bulls and bears, short selling, long position, Federal Reserve policy, national debt, government investment in private companies, Intel equity stake, market crash history, financial education The More for Your Money panel reviewed a volatile week where all four major indexes declined, noting "mixed signals" indicative of a battle between bulls and bears. Guest Todd asserted that the market, by nearly every metric, is currently a bubble built on credit and debt, drawing historical parallels to 1929. A major concern discussed was liquidity risk, specifically identifying private equity/credit as a "hidden evil" due to its lack of regulation and transparency compared to public markets. The panel also debated a listener query regarding the risk of the federal government taking equity stakes in private strategic companies (like Intel) while managing massive national debt.

Special Guests: Greg Snyder and Todd Berkley.

]]> The More for Your Money panel reviewed a volatile week where all four major indexes declined, noting "mixed signals" indicative of a battle between bulls and bears. Guest Todd asserted that the market, by nearly every metric, is currently a bubble built on credit and debt, drawing historical parallels to 1929. A major concern discussed was liquidity risk, specifically identifying private equity/credit as a "hidden evil" due to its lack of regulation and transparency compared to public markets. The panel also debated a listener query regarding the risk of the federal government taking equity stakes in private strategic companies (like Intel) while managing massive national debt.

Special Guests: Greg Snyder and Todd Berkley.

]]> Episode 46: Medicare: Advantage Versus Supplement – Doing Your Homework - 11/08/2025 https://moreforyourmoney.fireside.fm/46 9a0ac9bd-d1c2-4ec5-bb4e-bf37c2eab751 Sat, 08 Nov 2025 13:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>This special episode of More for Your Money features host John Berkley and Medicare Specialist Dave Bomkamp, focusing on the critical open enrollment period. They stress that listeners must "do your homework" to mitigate financial risk and navigate the "minefields" of available options.<br> The discussion compares Supplemental (Medigap) plans, which augment traditional Medicare (A and B), offer no networks, and provide freedom, versus Medicare Advantage plans. Advantage plans are privately run (sometimes misleadingly called Part C) and operate using specific networks (HMO/PPO). Listeners are warned about significant pitfalls: Advantage plans have a reported 20% denial rate for procedures Medicare would otherwise cover, and switching from an Advantage plan back to a Supplement typically requires medical underwriting, making this decision potentially irreversible. Finally, failure to take Part D (drug coverage) incurs a lifelong penalty of 1% per month. Special Guest: Dave Bomkamp.</p> Medicare, Medicare Advantage, Medicare Supplement, Medigap, Open Enrollment, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Part B penalty, Part D penalty, Credible coverage, Wisconsin Senior Care, HMO, PPO (Preferred Provider Organizations), pre-authorization, underwriting, health insurance choice, retirement health plan, Janesville, Marketplace plans This special episode of More for Your Money features host John Berkley and Medicare Specialist Dave Bomkamp, focusing on the critical open enrollment period. They stress that listeners must "do your homework" to mitigate financial risk and navigate the "minefields" of available options.
The discussion compares Supplemental (Medigap) plans, which augment traditional Medicare (A and B), offer no networks, and provide freedom, versus Medicare Advantage plans. Advantage plans are privately run (sometimes misleadingly called Part C) and operate using specific networks (HMO/PPO). Listeners are warned about significant pitfalls: Advantage plans have a reported 20% denial rate for procedures Medicare would otherwise cover, and switching from an Advantage plan back to a Supplement typically requires medical underwriting, making this decision potentially irreversible. Finally, failure to take Part D (drug coverage) incurs a lifelong penalty of 1% per month.

Special Guest: Dave Bomkamp.

]]> This special episode of More for Your Money features host John Berkley and Medicare Specialist Dave Bomkamp, focusing on the critical open enrollment period. They stress that listeners must "do your homework" to mitigate financial risk and navigate the "minefields" of available options.
The discussion compares Supplemental (Medigap) plans, which augment traditional Medicare (A and B), offer no networks, and provide freedom, versus Medicare Advantage plans. Advantage plans are privately run (sometimes misleadingly called Part C) and operate using specific networks (HMO/PPO). Listeners are warned about significant pitfalls: Advantage plans have a reported 20% denial rate for procedures Medicare would otherwise cover, and switching from an Advantage plan back to a Supplement typically requires medical underwriting, making this decision potentially irreversible. Finally, failure to take Part D (drug coverage) incurs a lifelong penalty of 1% per month.

Special Guest: Dave Bomkamp.

]]> Episode 44: Market Updates, Inflation, and Money Questions with John Berkley - 10/25/2025 https://moreforyourmoney.fireside.fm/44 5738e33f-ca4c-440a-b4c0-bf4887f80195 Sat, 25 Oct 2025 11:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>Review the strong three-year bull market run, with the S&amp;P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds. </p> investing, financial planning, money questions, stock market, bull market, S&P 500, Dow, NASDAQ, Russell 2000, total return, 3% annualized inflation, CPI, consumer price index, structural inflation, Federal Reserve goal, resource stocks, gold mining stocks, timberland, retirement, Social Security, age 62, age 70, 401k, Roth IRA, laddered CDs, individual Treasuries, high yield bonds, safe bonds, closed end fund, bond portfolio, tax location, capital gains tax, ordinary income tax, Net Unrealized Appreciation, NUA, highly appreciated company stock, 401k distribution, money market, liquid cash, value investing, concentration risk Review the strong three-year bull market run, with the S&P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds.

]]> Review the strong three-year bull market run, with the S&P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds.

]]> Episode 41: The Cost of Investing: Evaluating Fee Platforms, Controlling Tax Gains, and Addressing the Risks of Global Inflation and the Shrinking Stock Market - 10/04/2025 https://moreforyourmoney.fireside.fm/41 bff02996-b2a0-43d8-b2ed-e87e729b23f8 Sat, 04 Oct 2025 13:45:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>Join John Berkley for a comprehensive look at crucial financial decisions. John reviews the rising markets and discuss the complexities of transitioning to fee-based investment platforms, warning against potentially higher costs. Learn how managing individual stock portfolios allows for greater tax efficiency, utilizing concepts like the step-up in basis. The show tackles global concerns, including high federal debt, the risk of structural inflation, and the future status of the dollar. Finally, he explores why the U.S. stock market is shrinking due to regulations, and offer guidance on when to claim Social Security. </p> Uncommon Cents Investing, investment advisory services, fee-based platform, mutual fund costs, expense ratio, fiduciary standard, 401k rollover, IRA, S&P 500, benchmarking, value investors, Russell 1000, value stocks, growth stocks, tax efficiency, individual stocks, capital gains tax, step-up in basis, community property state, mutual fund gains, social security benefits, waiting to take social security, full retirement age, retirement planning, sequence of return risk, treasury bonds, laddered bonds, long-term care insurance, hybrid insurance products, dollar extinction, structural inflation, deficit spending, debt monetization, fiat currency, US federal debt, reserve currency, publicly traded companies, shrinking stock market, federal regulations, Sarbanes-Oxley Act, Enron, WorldCom, private equity, hedge funds, illiquidity, interval fund, capital formation Join John Berkley for a comprehensive look at crucial financial decisions. John reviews the rising markets and discuss the complexities of transitioning to fee-based investment platforms, warning against potentially higher costs. Learn how managing individual stock portfolios allows for greater tax efficiency, utilizing concepts like the step-up in basis. The show tackles global concerns, including high federal debt, the risk of structural inflation, and the future status of the dollar. Finally, he explores why the U.S. stock market is shrinking due to regulations, and offer guidance on when to claim Social Security.

]]> Join John Berkley for a comprehensive look at crucial financial decisions. John reviews the rising markets and discuss the complexities of transitioning to fee-based investment platforms, warning against potentially higher costs. Learn how managing individual stock portfolios allows for greater tax efficiency, utilizing concepts like the step-up in basis. The show tackles global concerns, including high federal debt, the risk of structural inflation, and the future status of the dollar. Finally, he explores why the U.S. stock market is shrinking due to regulations, and offer guidance on when to claim Social Security.

]]> Episode 40: Local Service and Financial Freedom: The Case for Hiring a Financial Professional - 09/27/2025 https://moreforyourmoney.fireside.fm/40 79e865ee-0996-4084-8063-e15793dfb76a Sat, 27 Sep 2025 13:30:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices. Special Guest: Krista Berkley.</p> local financial advisor, financial planning, investment advice, return on advice, value stocks vs growth stocks, market report, S&P 500, inflation risk, interest rates, Roth conversions strategy, tax buckets management, asset allocation, estate planning, beneficiaries, debt versus wealth accumulation, social security benefits, pension options, second opinion financial advice, risk management, investment confidence, financial mentorship, managed accounts, personalized finance This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices.

Special Guest: Krista Berkley.

]]> This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices.

Special Guest: Krista Berkley.

]]> Episode 38: Uncommon Cents: Wisdom on Decisions, Risk, and Retirement Strategies - 09/13/2025 https://moreforyourmoney.fireside.fm/38 78578cf2-95b9-407d-8d0e-a5e7fa70d048 Sat, 13 Sep 2025 15:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources. </p> financial advisor, investment advisory services, S&P 500, NASDAQ, Federal Reserve, interest rates, market trends, growth stocks, value stocks, expensive market, 401k, Rule of 55, early withdrawals, Roth IRA conversions, IRA, 72T, retirement planning, decision-making, risk, consequences, financial literacy, trusted contact, financial scams, beneficiaries, money management, client relationships, market updates, philosophical quotes, Charlie Munger, Warren Buffett, Socrates, Albert Einstein, retirement transition, spending habits, saving money, passion for work In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources.

]]> In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources.

]]> Episode 37: Beyond Predictions: Uncommon Cents Investing on Market Trends, Risk, and Unique Strategies - 09/06/2025 https://moreforyourmoney.fireside.fm/37 36a9f96a-dae4-4f8a-bdc7-6071d55b8f6a Sat, 06 Sep 2025 14:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>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. </p> individual common stocks, fee-based advisory, expense ratio, Roth IRA conversions, retirement planning, fiduciary, value investing, growth stocks, market forecasting, margin investing, tax control, wealth accumulation, investment strategy, Registered Investment Advisor (RIA), financial advisor, long-term investing, risk discussion, non-retirement accounts, in-house research, client relationships, market trends, economic slowing, interest rates, Paul Harvey, Jesse Livermore, Edwin Leferv, Reminiscences of a Stock Operator, Dr. Mark Mobius, Billy Graham, financial independence 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.

]]> 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.

]]> Episode 32: A Fireside Chat on Life, Work, and Investing for the Next Generation - 08/02/2025 https://moreforyourmoney.fireside.fm/32 04c5b2a7-046f-4d2a-9b10-e3652ad2539d Sat, 02 Aug 2025 09:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>This "More for Your Money" episode features a "fireside chat" with John Berkley, designed to equip the next generation. John delves into crucial advice on finding work that "trips your trigger", living within your means, and leveraging the power of early investing through vehicles like 401ks and Roth IRAs. The discussion also emphasizes learning from mentors and becoming aware of potential economic and geopolitical challenges that could impact future opportunities for wealth accumulation. </p> Life advice, career guidance, personal finance, investing for the next generation, 401k, Roth IRA, early investing, living within means, loving your work, "trips your trigger", mentorship, economic outlook, free market system, socialism, geopolitical risks, wealth accumulation, Rich Dad Poor Dad, Psychology of Money, avoiding debt, financial planning. This "More for Your Money" episode features a "fireside chat" with John Berkley, designed to equip the next generation. John delves into crucial advice on finding work that "trips your trigger", living within your means, and leveraging the power of early investing through vehicles like 401ks and Roth IRAs. The discussion also emphasizes learning from mentors and becoming aware of potential economic and geopolitical challenges that could impact future opportunities for wealth accumulation.

]]> This "More for Your Money" episode features a "fireside chat" with John Berkley, designed to equip the next generation. John delves into crucial advice on finding work that "trips your trigger", living within your means, and leveraging the power of early investing through vehicles like 401ks and Roth IRAs. The discussion also emphasizes learning from mentors and becoming aware of potential economic and geopolitical challenges that could impact future opportunities for wealth accumulation.

]]> Episode 31: The Local Advisor Difference: Comprehensive Financial Planning Beyond the 1-800 Number - 07/26/2025 https://moreforyourmoney.fireside.fm/31 5747664c-c40e-409e-836b-a398f86a8aaa Sat, 26 Jul 2025 14:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>The Uncommon Cents Investing difference: Local financial advisors provide comprehensive, holistic financial planning far beyond impersonal 1-800 services. Gain proactive support for pensions, Social Security, RMDs, QCDs, and navigating major life events. Experience personalized service, deep client relationships, and exceptional value. </p> Local Financial Advisor, Comprehensive Financial Planning, Holistic Financial Planning, Retirement Planning, Wealth Management, Personalized Financial Service, Beyond 1-800 Number, Social Security Advice, Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), Pension Planning, Tax Planning Strategies, IRA Contributions, Backdoor IRAs, Inherited IRA Rules, Long-Term Care Contracts, Investment Management, Fiduciary Financial Advisor, Financial Advisor Fees, Cost-Effective Financial Advice, Aging Parents Financial Help, Spouse Death Financial Guidance, Asset Verification Home Purchase, Medicare Supplement Advice, Financial Education, DIY Investor Support, Human Emotion Investing, Financial Security, Insurance Alternatives Financial Planning, Term Life Insurance Advice, Relationship-Based Financial Planning, AI in Financial Planning, Financial Newsletter, Financial Advisor Janesville, Financial Advisor Wisconsin The Uncommon Cents Investing difference: Local financial advisors provide comprehensive, holistic financial planning far beyond impersonal 1-800 services. Gain proactive support for pensions, Social Security, RMDs, QCDs, and navigating major life events. Experience personalized service, deep client relationships, and exceptional value.

]]> The Uncommon Cents Investing difference: Local financial advisors provide comprehensive, holistic financial planning far beyond impersonal 1-800 services. Gain proactive support for pensions, Social Security, RMDs, QCDs, and navigating major life events. Experience personalized service, deep client relationships, and exceptional value.

]]> Episode 23: Insurance, Bonds, and Social Security Strategies - 05/31/2025 https://moreforyourmoney.fireside.fm/23 24f97e7c-b8b7-4694-b0b7-668b6a4db357 Sat, 31 May 2025 14:45:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>This episode of More for Your Money features John Berkley and Sheena Hanson discussing market performance and client situations. Topics include navigating complex estate planning and long-term care insurance, considering self-insurance for auto/home, decisions about exiting the market, understanding bond types, and Social Security strategies. They emphasize effective communication and leveraging resources. </p> Financial planning, investing, market recap, S&P 500, NASDAQ, Dow, Russell 2000, 10-year bond, PE ratio, value vs growth investing, long-term care insurance, estate planning, self-insurance, auto insurance, homeowners insurance, leaving the market, going to cash, bond types, corporate bonds, retail notes, secured bonds, unsecured bonds, Treasuries, Social Security strategies, widow's benefit, ex-spousal benefit, maximizing Social Security, filing strategies, risk tolerance, financial communication, financial resources, attorney referrals, tax advisor referrals This episode of More for Your Money features John Berkley and Sheena Hanson discussing market performance and client situations. Topics include navigating complex estate planning and long-term care insurance, considering self-insurance for auto/home, decisions about exiting the market, understanding bond types, and Social Security strategies. They emphasize effective communication and leveraging resources.

]]> This episode of More for Your Money features John Berkley and Sheena Hanson discussing market performance and client situations. Topics include navigating complex estate planning and long-term care insurance, considering self-insurance for auto/home, decisions about exiting the market, understanding bond types, and Social Security strategies. They emphasize effective communication and leveraging resources.

]]> Episode 19: Uncommon Cents Investing - More for Your Money - 05/03/2025 https://moreforyourmoney.fireside.fm/19 154d60a3-e301-4337-95fb-2c5e4580d071 Sat, 03 May 2025 10:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no <p>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. </p> Uncommon Cents Investing, Financial Advisor Janesville WI, Local Financial Advisor, Financial Planning, Investment Management, Comprehensive Financial Services, Retirement Planning, Beyond Investment Management, Value of a Financial Advisor, Relationship Based Financial Advisor, Proactive Financial Advice, Aging Parents Finances, Social Security Timing, Long Term Care Contracts, Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), IRA Contributions, Inherited IRA Rules, Tax Planning Conversation, Finances After Spouse Death, Medicare Decisions, Financial Advisor vs 1-800, In-house Investment Research, Fiduciary Financial Advisor 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.

]]> 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.

]]> Episode 13: Investment Accounts for Children and Grandchildren - 03/22/2025 https://moreforyourmoney.fireside.fm/13 fb77f939-a26a-4a2f-a7fa-b9fde0d64a18 Sat, 22 Mar 2025 12:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:54 no <p>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.</p> <p>For more resources or to schedule an intro call, visit uncommoncentsinvesting.com.</p> <p>Disclosure: 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.</p> nvesting podcast, retirement planning, financial advice, Uncommon Cents Investing, money management, wealth building, personal finance, financial planning, stock market tips, Janesville financial advisors, CFP podcast, portfolio management, smart investing, financial confidence, money tips, retirement income strategies, investment insights, financial education, radio financial show, More for Your Money podcast 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.

For more resources or to schedule an intro call, visit uncommoncentsinvesting.com.

Disclosure: 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.

]]> 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.

For more resources or to schedule an intro call, visit uncommoncentsinvesting.com.

Disclosure: 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.

]]> Episode 9: Questions to Ask Financial Advisors - 2/22/25 https://moreforyourmoney.fireside.fm/9 https://www.wclo.com/?post_type=episode&p=128190 Sat, 22 Feb 2025 09:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. 52:54 no <p>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.</p> <p>Krista 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.</p> financial advisor questions, how to choose a financial advisor, investment philosophy, risk tolerance, account management, retirement planning, Uncommon Cents Investing, Krista Berkley, John Berkley, value investing, portfolio strategy, financial literacy, money confidence, investment strategy, local advisor, Janesville Wisconsin, fee-based advisor, third-party managers, wealth management, financial guidance, advisor fit, family-run firm, UCI 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.

Krista 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.

]]> 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.

Krista 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.

]]> Episode 8: Retirement Withdrawal Strategies - 2/15/25 https://moreforyourmoney.fireside.fm/8 https://www.wclo.com/?post_type=episode&p=127678 Sat, 15 Feb 2025 10:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. 52:54 no <p>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.</p> <p>You’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.</p> <p>From 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. </p> retirement withdrawal strategies, 4% rule, income planning, sequence of return risk, bucket strategy, retirement income, Roth IRA, tax efficiency, retirement planning, market volatility, Uncommon Cents Investing, John Berkley, Sheena Hanson, portfolio strategy, value investing, Janesville Wisconsin, financial literacy, retirement goals, long-term investing, flexible planning 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.

You’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.

From 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.

]]> 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.

You’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.

From 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.

]]> Episode 5: Roth IRA Conversions: The Why, the Why Not, and the Rest of the Story - 01/25/2025 https://moreforyourmoney.fireside.fm/5 48dfbf16-0791-47b0-83d6-67b1c365dc15 Sat, 25 Jan 2025 16:15:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. Using 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. 52:54 no <p>If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.</p> <p>John and Carson explore:</p> <p>Why “taxes are going up in 2026” might not be a strong enough reason<br> What most people forget about state income taxes and relocation in retirement<br> The danger of converting at market highs<br> How medical expenses and charitable giving can make traditional IRAs more tax-efficient<br> When Roth conversions do make sense—like during market downturns or low-income years<br> Why a Roth might be smart for people with large estates or trusts<br> The importance of having cash on the side to pay the tax bill<br> You’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.</p> <p>🧠 Notable Quotes<br> “We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley<br> “If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley<br> “Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne </p> Roth IRA, Roth conversion, retirement planning, tax strategies, market timing, medical deductions, IRMAA, Qualified Charitable Distributions, estate planning, savers credit, Roth vs traditional IRA, uncommon sense investing, John Berkley, Janesville WI, personal finance If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.

John and Carson explore:

Why “taxes are going up in 2026” might not be a strong enough reason
What most people forget about state income taxes and relocation in retirement
The danger of converting at market highs
How medical expenses and charitable giving can make traditional IRAs more tax-efficient
When Roth conversions do make sense—like during market downturns or low-income years
Why a Roth might be smart for people with large estates or trusts
The importance of having cash on the side to pay the tax bill
You’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.

🧠 Notable Quotes
“We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley
“If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley
“Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne

]]> If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.

John and Carson explore:

Why “taxes are going up in 2026” might not be a strong enough reason
What most people forget about state income taxes and relocation in retirement
The danger of converting at market highs
How medical expenses and charitable giving can make traditional IRAs more tax-efficient
When Roth conversions do make sense—like during market downturns or low-income years
Why a Roth might be smart for people with large estates or trusts
The importance of having cash on the side to pay the tax bill
You’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.

🧠 Notable Quotes
“We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley
“If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley
“Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne

]]> Episode 3: Tipping, Taxes & Timely Advice: 2025 Planning and Everyday Financial Wisdom - 1/11/25 https://moreforyourmoney.fireside.fm/3 3a8b623a-9a1c-46dc-a07c-5dfc7cdedc68 Sat, 11 Jan 2025 16:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. John 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. John, 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 52:54 no <p>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.</p> <p>Plus, 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).</p> <p>Whether 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. </p> 2025 tax updates, capital gains taxes, RMD rules, Roth IRA phase-out, retirement account strategies, investment accounts for kids, simple IRA vs 401(k), financial literacy, trusted financial advice, annual account reviews, saving for retirement, financial independence, money management tips, value investing, Wisconsin financial advisor 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.

Plus, 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).

Whether 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.

]]> 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.

Plus, 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).

Whether 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.

]]> Episode 2: Navigating Trusts, Special Needs Planning, and Estate Considerations with Atty Robb Leach - 11/02/24 https://moreforyourmoney.fireside.fm/2 53bdcc5e-e4cc-40d2-945a-085e89d61f88 Mon, 11 Nov 2024 02:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. 53:04 no <p>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.</p> <p>Special 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.</p> Investing podcast, retirement planning, financial advice, Uncommon Cents Investing, money management, wealth building, personal finance, financial planning, stock market tips, Janesville financial advisors, CFP podcast, portfolio management, smart investing, financial confidence, money tips, retirement income strategies, investment insights, financial education, radio financial show, More for Your Money podcast 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.

Special 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.

]]> 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.

Special 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.

]]> Episode 1: Navigating Your Medicare Choices: A Discussion on Supplements and Advantage Plans - 09/28/24 https://moreforyourmoney.fireside.fm/1 76540f2f-5ade-49a5-a6ad-53d3839c64aa Sat, 28 Sep 2024 09:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing 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. 53:04 no <p>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.</p> <p>This 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.</p> Investing podcast, retirement planning, financial advice, Uncommon Cents Investing, money management, wealth building, personal finance, financial planning, stock market tips, Janesville financial advisors, CFP podcast, portfolio management, smart investing, financial confidence, money tips, retirement income strategies, investment insights, financial education, radio financial show, More for Your Money podcast 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.

This 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.

]]> 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.

This 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.

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