Tall Oaks Podcast | Podcast Guru

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Educating and empowering individuals that want to have more effective engagements with professionals around their financial lives. DISCLAIMER: Information presented is for your educational purposes only and should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Recent Episodes

10-Year Treasury Breakout: September 2026 Market Update

The 10-year Treasury yield just broke out of a multi-year base, the U.S. dollar is testing a key channel, and most stocks are sliding while the biggest tech names hold up. in this September Market Update, Branden DuCharme CFP® and CMT® at DuCharme Wealth Management, walks through five charts to help make sense of what's moving markets and what may be on the horizon. Recorded Tuesday, September 29th, 2026, before the month closed, so the candlestick reads are still developing. In this Episod...

15 MIN

Harley Bassman on Bonds, AI Debt & Inflation | Tall Oaks Podcast

Harley Bassman, the "Convexity Maven" and creator of the MOVE Index (often called the VIX for bonds), joins Branden DuCharme for a wide-ranging look at bonds, rates, and the dollar. Harley spent 26 years at Merrill Lynch, where he traded options on mortgage bonds, and he shares his market commentary for free at ConvexityMaven.com. In this episode: • Why a mortgage bond works like the original covered call fund • Convexity explained in plain English • Why the mortgage market's "convexity bea...

45 MIN

Retirement Myths, Busted: Fact, Fiction, or It Depends | hosted by Carisa Bertrand

Retirement planning myths, busted. Carisa Bertrand puts Branden DuCharme through a rapid-fire round of fact, fiction, or it depends — covering Social Security, market timing, taxes, Roth conversions, retirement myths, and estate planning. In this episode: • Is Social Security going bankrupt? • Claim early or wait until 70? • The $1 million retirement myth • Is the 4% withdrawal rule still reliable? • Estate planning myths everyone believes • Should you trus...

41 MIN

Annuities Explained: Fees, Income Riders, and When They Actually Make Sense

Are annuities worth it? Branden DuCharme sits down with colleague Jace Austin — who spent nearly a decade writing life insurance and annuity contracts — for an honest, no-sales-pitch look at how these products really work. They cover what makes an annuity an insurance product, the difference between the fees you can see and the "implicit" fees you can't, how fixed index annuities use floors, caps, and participation rates, and why contract terms can quietly get worse after year ten. Jace also ...

27 MIN

Equity Compensation Explained: RSUs, ESPPs, NSOs & ISOs | with Mark Cecchini

Equity compensation comes with its own alphabet soup — RSUs, ESPPs, NSOs, and ISOs — and getting it wrong can cost you thousands. In this episode, Branden DuCharme, CFP® is joined by equity comp specialist Mark Cecchini, CFP® to break it all down in plain English. You'll learn how each type of equity comp works, when you actually get taxed, the biggest mistake people make after their shares vest, the AMT trap that catches ISO holders off guard, and the behavioral side of holding a large conce...

61 MIN