web02.fireside.fm Wed, 06 May 2026 08:03:35 -0500 Fireside (https://fireside.fm) More for Your Money - Episodes Tagged with “Uncommon Cents Investing” https://moreforyourmoney.fireside.fm/tags/uncommon%20cents%20investing Sat, 25 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 70: Early Entrepreneurship, Retirement Realities, and Wisdom for a Lifetime of Investing - 04/25/2026 https://moreforyourmoney.fireside.fm/70 3cfacce4-f75e-4bcf-bb65-edf9009e6150 Sat, 25 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>This episode explores the power of starting a business between ages 18 and 21 to exploit "risk insulation" and questions the ROI of traditional college degrees. The hosts provide strategic retirement advice, critiquing the 4% rule while advocating for delaying Social Security until age 70. Learn about tax-efficient investing with individual stocks and gain inspiration from Warren Buffett’s ten life lessons on integrity and patience. Discover how to transition from building an estate to doing what you love. </p> Uncommon Cents Investing, 4% retirement rule, delaying Social Security until 70, youth entrepreneurship, ROI of college degrees, tax-efficient stock investing, Warren Buffett life lessons, retirement withdrawal strategies, individual stocks vs mutual funds, risk insulation for entrepreneurs, US Treasury bond tax benefits, financial freedom planning This episode explores the power of starting a business between ages 18 and 21 to exploit "risk insulation" and questions the ROI of traditional college degrees. The hosts provide strategic retirement advice, critiquing the 4% rule while advocating for delaying Social Security until age 70. Learn about tax-efficient investing with individual stocks and gain inspiration from Warren Buffett’s ten life lessons on integrity and patience. Discover how to transition from building an estate to doing what you love.

]]> This episode explores the power of starting a business between ages 18 and 21 to exploit "risk insulation" and questions the ROI of traditional college degrees. The hosts provide strategic retirement advice, critiquing the 4% rule while advocating for delaying Social Security until age 70. Learn about tax-efficient investing with individual stocks and gain inspiration from Warren Buffett’s ten life lessons on integrity and patience. Discover how to transition from building an estate to doing what you love.

]]> Episode 67: Five Factors That Could Tip the Scales - 04/04/2026 https://moreforyourmoney.fireside.fm/67 fa4e0a3d-25db-49c5-b6f1-9ef3ffb0a0a7 Sat, 04 Apr 2026 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>John Berkley analyzes five key factors shaping the U.S. economy: oil prices, private credit, the AI boom, consumer spending, and the national debt. He explains the shift from traditional IPOs to the "good old boy club" of private equity and shadow banking, using SpaceX as a prime example. Berkley also breaks down fiscal and monetary policy, cautioning against unsustainable debt. </p> private credit risks, shadow banking, capital formation, SpaceX IPO 2026, AI productivity gains, US national debt, Sarbanes-Oxley Act, Janesville financial advisor, and fiscal and monetary policy, John Berkley, Uncommon Cents Investing John Berkley analyzes five key factors shaping the U.S. economy: oil prices, private credit, the AI boom, consumer spending, and the national debt. He explains the shift from traditional IPOs to the "good old boy club" of private equity and shadow banking, using SpaceX as a prime example. Berkley also breaks down fiscal and monetary policy, cautioning against unsustainable debt.

]]> John Berkley analyzes five key factors shaping the U.S. economy: oil prices, private credit, the AI boom, consumer spending, and the national debt. He explains the shift from traditional IPOs to the "good old boy club" of private equity and shadow banking, using SpaceX as a prime example. Berkley also breaks down fiscal and monetary policy, cautioning against unsustainable debt.

]]> Episode 66: Navigating Market Corrections, the Fed Trap, and the Case for Value Investing - 03/28/2026 https://moreforyourmoney.fireside.fm/66 032a4765-a374-4bbd-867d-357baac25e7f Sat, 28 Mar 2026 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>John Berkley and the investment committee dive into current market volatility, analyzing whether we are facing a correction or a bear market. They explore the "Fed Trap," where massive debt forces a difficult choice between recession and inflation. The team shares their "Uncommon Cents" strategy, explaining why value investors view market pullbacks as opportunities to buy quality assets at a discount. Additionally, they discuss the role of gold and silver in preserving purchasing power and emphasize the importance of data-driven decisions over emotional reactions to ensure long-term financial success. Special Guests: Greg Snyder and Todd Berkley.</p> Market correction, bear market, value investing, Federal Reserve interest rates, gold and silver bullion, data-driven investment decisions, purchasing power preservation, Uncommon Cents Investing, the Fed Trap, 10-year bond yields, market volatility, inflation and debt John Berkley and the investment committee dive into current market volatility, analyzing whether we are facing a correction or a bear market. They explore the "Fed Trap," where massive debt forces a difficult choice between recession and inflation. The team shares their "Uncommon Cents" strategy, explaining why value investors view market pullbacks as opportunities to buy quality assets at a discount. Additionally, they discuss the role of gold and silver in preserving purchasing power and emphasize the importance of data-driven decisions over emotional reactions to ensure long-term financial success.

Special Guests: Greg Snyder and Todd Berkley.

]]> John Berkley and the investment committee dive into current market volatility, analyzing whether we are facing a correction or a bear market. They explore the "Fed Trap," where massive debt forces a difficult choice between recession and inflation. The team shares their "Uncommon Cents" strategy, explaining why value investors view market pullbacks as opportunities to buy quality assets at a discount. Additionally, they discuss the role of gold and silver in preserving purchasing power and emphasize the importance of data-driven decisions over emotional reactions to ensure long-term financial success.

Special Guests: Greg Snyder and Todd Berkley.

]]> 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 63: Navigating Market Volatility and the Value vs. Growth Divide - 03/07/2026 https://moreforyourmoney.fireside.fm/63 121e4c63-d8cc-4bec-aebd-8fffa3e71977 Sat, 07 Mar 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. 50:48 no <p>John Berkley and the Uncommon Cents Investing team analyze recent market volatility as all four major indexes see weekly declines. They explore rising oil prices and interest rates while discussing the performance gap between value and growth stocks. The hosts explain key metrics like price-to-earnings ratios and the importance of a disciplined, long-term strategy. By focusing on buying quality stocks when they go "on sale" during pullbacks, the team emphasizes risk aversion over emotional market timing. Special Guests: Greg Snyder and Todd Berkley.</p> Value investing, market volatility, price-to-earnings ratio, Uncommon Cents Investing, long-term investment strategy, growth stocks, JDV indicator, trailing PE, market pullback, risk aversion, psychology of money, disciplined investing, forward PE, oil prices, S&P 500, Dow Jones Industrial Average, NASDAQ, Russell 2000, VIX index, and style drifting John Berkley and the Uncommon Cents Investing team analyze recent market volatility as all four major indexes see weekly declines. They explore rising oil prices and interest rates while discussing the performance gap between value and growth stocks. The hosts explain key metrics like price-to-earnings ratios and the importance of a disciplined, long-term strategy. By focusing on buying quality stocks when they go "on sale" during pullbacks, the team emphasizes risk aversion over emotional market timing.

Special Guests: Greg Snyder and Todd Berkley.

]]> John Berkley and the Uncommon Cents Investing team analyze recent market volatility as all four major indexes see weekly declines. They explore rising oil prices and interest rates while discussing the performance gap between value and growth stocks. The hosts explain key metrics like price-to-earnings ratios and the importance of a disciplined, long-term strategy. By focusing on buying quality stocks when they go "on sale" during pullbacks, the team emphasizes risk aversion over emotional market timing.

Special Guests: Greg Snyder and Todd Berkley.

]]> Episode 62: The Mechanics of Individual Stocks, Market Cycles, and the Long-Term Investor - 02/28/2026 https://moreforyourmoney.fireside.fm/62 f3d6dbc8-010f-4432-bf2b-d56aa90df8c3 Sat, 28 Feb 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>Join John Berkley as he explains the mechanics of individual stock selection and personalized portfolio management. This episode explores ten vital lessons from economist Jim Grant, highlighting the cyclical nature of markets and human behavior. John discusses Jeremy Siegel’s research on long-term stock returns and emphasizes the "time value of money" for young investors. Learn how an independent, fiduciary approach focusing on tax efficiency and diversification helps navigate market noise to build lasting wealth. </p> John Berkley, Uncommon Cents Investing, More for Your Money podcast, individual stock selection, fiduciary financial advisor, in-house portfolio management, retirement planning Wisconsin, tax-efficient investing, long-term investment strategy, diversified stock portfolio, market cycles and human behavior, Jeremy Siegel Stocks for the Long Run, time value of money, compounding interest for young investors, Social Security retirement income. Join John Berkley as he explains the mechanics of individual stock selection and personalized portfolio management. This episode explores ten vital lessons from economist Jim Grant, highlighting the cyclical nature of markets and human behavior. John discusses Jeremy Siegel’s research on long-term stock returns and emphasizes the "time value of money" for young investors. Learn how an independent, fiduciary approach focusing on tax efficiency and diversification helps navigate market noise to build lasting wealth.

]]> Join John Berkley as he explains the mechanics of individual stock selection and personalized portfolio management. This episode explores ten vital lessons from economist Jim Grant, highlighting the cyclical nature of markets and human behavior. John discusses Jeremy Siegel’s research on long-term stock returns and emphasizes the "time value of money" for young investors. Learn how an independent, fiduciary approach focusing on tax efficiency and diversification helps navigate market noise to build lasting wealth.

]]> Episode 61: Passion, Persistence, and the Dignity of Work - 02/21/2026 https://moreforyourmoney.fireside.fm/61 e822b8de-eb15-42fb-8ee7-8f088f4b9ba7 Sat, 21 Feb 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>John Berkley shares his personal journey into entrepreneurship, emphasizing that a burning passion is vital to survive the challenges of building a business. After a brief market report, John challenges traditional education and recounts the formative experience of losing his life savings in a bad college investment. He highlights the dignity of work, drawing from his time spot welding at General Motors, which provided more gratification than luxury travel. The episode underscores that success requires persistence, mentorship, and a sense of purpose. </p> John Berkley, Uncommon Cents Investing, More for Your Money, investment advisory services, market report, Russell 2000 index, value vs growth investing, JDB indicator, entrepreneurship passion, building a business, small business startups, mentorship for success, importance of mentors, dignity of work, GM body shop Janesville, spot welding gratification, critique of college education, real-world learning vs academics, capital formation. John Berkley shares his personal journey into entrepreneurship, emphasizing that a burning passion is vital to survive the challenges of building a business. After a brief market report, John challenges traditional education and recounts the formative experience of losing his life savings in a bad college investment. He highlights the dignity of work, drawing from his time spot welding at General Motors, which provided more gratification than luxury travel. The episode underscores that success requires persistence, mentorship, and a sense of purpose.

]]> John Berkley shares his personal journey into entrepreneurship, emphasizing that a burning passion is vital to survive the challenges of building a business. After a brief market report, John challenges traditional education and recounts the formative experience of losing his life savings in a bad college investment. He highlights the dignity of work, drawing from his time spot welding at General Motors, which provided more gratification than luxury travel. The episode underscores that success requires persistence, mentorship, and a sense of purpose.

]]> 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 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 18: Analyzing a Big Up Week - V-Shape, Bear Trap, and Uncommon Cents Investing's Value Strategy https://moreforyourmoney.fireside.fm/18 bd659ce4-20fc-48b4-89e2-ee5fca5b6e13 Sat, 26 Apr 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>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.</p> More for Your Money, John Berkley, Uncommon Cents Investing, Market Report, Stock Market Analysis, Market Volatility, V-shaped recovery, Bear trap, Secular bear market, Value Investing, Growth vs Value Stocks, Investor Emotion, Financial Planner, Investment Strategy, Fully Invested Strategy, Portfolio Diversification, Market Risk Management, Stock Valuations, Non-US Investing, Small Cap Stocks 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.

]]> 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.

]]> Episode 17: Understanding Market Breadth, P/E Calculations, and Valuation Indicators - 04/19/2025 https://moreforyourmoney.fireside.fm/17 15671264-68c7-476f-884e-62a36695950d Sat, 19 Apr 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>In this episode, Todd Berkley joins John in a discussion of the current state of the market, noting that the S&amp;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 Special Guest: Todd Berkley.</p> S&P 500, market report, market breadth, price-earnings multiple, P/E ratio, simple P/E, aggregate P/E, market-cap weighted P/E, equal-weighted P/E, Buffett indicator, Wilshire 5000, GDP, Schiller P/E, 10-year P/E, inflation adjustment, market valuation, overvalued market, undervalued market, Warren Buffett, Robert Schiller, Felix Zulauf, Jeremy Siegel, dot-com bubble, 2008 financial crisis, Sarbanes-Oxley Act, value investing, growth investing, John Berkley, More for Your Money, investment strategy, money supply, inflation, recession In this episode, Todd Berkley joins John in a discussion of the current state of the market, noting that the S&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

Special Guest: Todd Berkley.

]]> In this episode, Todd Berkley joins John in a discussion of the current state of the market, noting that the S&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

Special Guest: Todd Berkley.

]]> Episode 15: Addressing Market Declines and the Retirement Mindset - 04/05/2025 https://moreforyourmoney.fireside.fm/15 8a707128-8a52-4117-b1dc-de24652a07d2 Sat, 05 Apr 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. 52:54 no <p>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.</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 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.

]]> 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.

]]> Episode 14: Navigating Market Volatility and the Looming Debt Challenge - 03/29/2025 https://moreforyourmoney.fireside.fm/14 3fd1c73d-19ae-4894-b71c-4a9836995bee Sat, 29 Mar 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. 52:54 no <p>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.</p> Market selloff, S&P 500, value stocks, growth stocks, JDB indicator, macroeconomic issues, consumer confidence, Michigan sentiment index, inflation, PCE, tariffs, price-earnings (PE) multiple, reversion to the mean, Jeremy Siegel, Stocks for the Long Run, David Stockman, Office of Management and Budget, Ronald Reagan, national debt, budget deficit, spending cuts, VA, military spending, entitlement programs, Medicare, Medicaid, Social Security, sovereign bankruptcy, reserve currency, devaluation of currency, living standards, Ray Dalio, Changing World Order, Thomas Jefferson, public debt, value investing, risk tolerance, Uncommon Cents Investing 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.

]]> 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.

]]> 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 12: Market Corrections, Risk, and Rethinking Retirement - 3/15/25 https://moreforyourmoney.fireside.fm/12 https://www.wclo.com/?post_type=episode&p=129056 Sat, 15 Mar 2025 10:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing 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. 52:54 no <p>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.</p> <p>For more resources or to schedule an intro call, visit <a href="https://uncommoncentsinvesting.com" target="_blank" rel="nofollow noopener">uncommoncentsinvesting.com</a>.</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. </p> market correction, bear market, S&P 500, value stocks, growth stocks, long-term investing, financial strategy, Social Security planning, Roth conversion, IRA withdrawal, retirement planning, financial independence, FIRE movement, risk tolerance, behavioral finance, wealth accumulation, mentorship, financial advice, Uncommon Cents Investing, John Berkley, Sheena Hanson, Janesville Wisconsin 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.

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.

]]> 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.

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.

]]> Episode 11: John Templeton’s 16 Rules for Investing - 3/8/25 https://moreforyourmoney.fireside.fm/11 https://www.wclo.com/?post_type=episode&p=128754 Sat, 08 Mar 2025 09:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. 52:54 no <p>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.</p> <p>The 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.</p> <p>Listener questions spark helpful discussions about AI-driven trading, Walgreens going private, and the effects of tariffs on investing.</p> <p>This 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. </p> John Marks Templeton, investing rules, value stocks, growth stocks, small-cap investing, contrarian strategy, stock market history, S&P 500, Roth IRA, financial planning, diversification, market correction, long-term investing, behavioral finance, Uncommon Cents Investing, Janesville Wisconsin, retirement strategy 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.

The 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.

Listener questions spark helpful discussions about AI-driven trading, Walgreens going private, and the effects of tariffs on investing.

This 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.

]]> 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.

The 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.

Listener questions spark helpful discussions about AI-driven trading, Walgreens going private, and the effects of tariffs on investing.

This 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.

]]> Episode 10: How UCI Manages Money (Buy List) with UCI Investment Committee (Greg Snyder and Todd Berkley) - 3/1/25 https://moreforyourmoney.fireside.fm/10 https://www.wclo.com/?post_type=episode&p=128452 Sat, 01 Mar 2025 09:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. 52:54 no <p>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.</p> investment committee, buy list, Uncommon Cents Investing, portfolio building, Greg Snyder, Todd Berkley, John Berkley, value investing, risk tolerance, personalized portfolios, investment strategy, market orders, limit orders, stock screening, retirement planning, taxable accounts, Roth IRA, small-cap stocks, individual stock selection, investment discipline, Wisconsin financial advisors 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.

]]> 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.

]]> 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 7: Senior Home Care with Visiting Angels with guest Patch Smith - 2/8/25 https://moreforyourmoney.fireside.fm/7 https://www.wclo.com/?post_type=episode&p=127167 Sat, 08 Feb 2025 10:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. Patch 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. 52:54 no <p>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.</p> <p>Topics include:</p> <p>What in-home care services actually look like<br> How caregivers are trained and matched with clients<br> The realities of long-term care insurance—and how to get companies to pay<br> Why many veterans don’t know they qualify for VA-funded in-home care<br> Options for working caregivers, part-time retirees, and those with medical backgrounds<br> Why early planning makes a difference<br> This 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.<br> Special Guest: Patrick Smith.</p> senior care, home care, Visiting Angels, in-home caregiving, long-term care planning, long-term care insurance, VA benefits, elder care options, respite care, assisted living alternatives, aging in place, Wisconsin caregivers, retirement support, veteran care, John Berkley, Patch Smith, Uncommon Cents Investing, Janesville Wisconsin, caregiving careers, elder law, healthcare in retirement 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.

Topics include:

What in-home care services actually look like
How caregivers are trained and matched with clients
The realities of long-term care insurance—and how to get companies to pay
Why many veterans don’t know they qualify for VA-funded in-home care
Options for working caregivers, part-time retirees, and those with medical backgrounds
Why early planning makes a difference
This 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.

]]> 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.

Topics include:

What in-home care services actually look like
How caregivers are trained and matched with clients
The realities of long-term care insurance—and how to get companies to pay
Why many veterans don’t know they qualify for VA-funded in-home care
Options for working caregivers, part-time retirees, and those with medical backgrounds
Why early planning makes a difference
This 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.

]]> Episode 6: Tariffs, Gold, and the Debt: What History Might Teach Us About the Road Ahead - 2/1/25 https://moreforyourmoney.fireside.fm/6 bff63578-3447-4654-af81-ae56c0d031ae Sat, 01 Feb 2025 16:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing 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. Drawing 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. If you’re looking to connect the dots between interest rates, debt, inflation, and long-term investing, this one’s for you. 52:54 no <p>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.</p> <p>They cover:</p> <p>Why the Dow is leading the indexes year-to-date—and what that might mean<br> The resurgence of gold: short-term hype or long-term trend?<br> Inflation, money supply, and how we measure economic reality (spoiler: Todd calls it the "CP-lie")<br> How government debt and interest costs are shaping future tax policy<br> Tariffs: the classical view vs. the modern playbook<br> What economist Lacy Hunt sees coming—and why deflation might be next<br> The 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.</p> <p>Whether 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.</p> <p>Special Guests: Greg Snyder and Todd Berkley.</p> stock market, gold prices, tariffs, inflation, deflation, national debt, government spending, long-term investing, economic history, interest rates, value vs growth, Lacy Hunt, Reaganomics, market cycles, Roth IRA conversions, economic theory, personal finance, bond market, uncommon cents investing, Janesville WI 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.

They cover:

Why the Dow is leading the indexes year-to-date—and what that might mean
The resurgence of gold: short-term hype or long-term trend?
Inflation, money supply, and how we measure economic reality (spoiler: Todd calls it the "CP-lie")
How government debt and interest costs are shaping future tax policy
Tariffs: the classical view vs. the modern playbook
What economist Lacy Hunt sees coming—and why deflation might be next
The 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.

Whether 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.

]]> 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.

They cover:

Why the Dow is leading the indexes year-to-date—and what that might mean
The resurgence of gold: short-term hype or long-term trend?
Inflation, money supply, and how we measure economic reality (spoiler: Todd calls it the "CP-lie")
How government debt and interest costs are shaping future tax policy
Tariffs: the classical view vs. the modern playbook
What economist Lacy Hunt sees coming—and why deflation might be next
The 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.

Whether 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.

]]> 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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