The Real Investment Show Podcast

Medicare Open Enrollment is here, but are you making the right choices for your retirement healthcare coverage? From Medicare Advantage and Medigap Plan G to prescription drug coverage and high-deductible health plans, understanding your options could help you avoid costly mistakes. Richard Rosso & Jonathan McCarty break down the differences between Medicare Supplement policies, issue-age versus attained-age pricing, Medicare Advantage networks, and Part D prescription drug plans. We also discuss why reviewing your Annual Notice of Change matters, how to choose a Medicare broker, and when leaving your Health Savings Account (HSA) untouched could benefit your long-term retirement strategy. Plus, Halloween candy prices are up 8% year over year, we're preparing for Halloween with candy corn martinis and animatronics, and Grand Theft Auto 6 raises questions about workplace productivity. We'll also touch on Function Health testing, Little Debbie cakes, and the rising cost of seasonal celebrations. 0:00 - INTRO 0:19 - Prepping for Halloween & Candy Corn Martini 3:44 - The Price of Halloween Candy up 8% YOY 6:37 - Dressing Up for Halloween & Animatronics 8:53 - Grand Theft Auto 6 lost productivity 11:14 - Annual Medicare Enrollment Season - Medigap plans 14:11 - Issue Aged vs Attained Age Plans 15:24 - Shopping Medigap Policies (Plan-G) 18:15 - When Not Touching Your HSA Pays Off 19:44 - Switching to High-deductible Plans 21:53 - More Halloween Candy & Little Debbie Cakes 23:08 - Consideration of Function Health Testing 27:20 - What About Medicare Advantage? 28:58 - Verify your doctor/hospital system 29:53 - What is "margin repair?" 32:10 - Part-D Drug Coverage - The Biggest Challenge 34:06 - Taking a Look at the Other Medicare Letters - too many choices 36:55 - The Medicare Rights Center guide 39:13 - The Annual Notice of Change 42:00 - Choosing a Medicare Broker ==== Hosted by RIA Advisors' w Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/I6dc8PdOYN8?feature=share -------- Watch our previous show, "The Fed Is Making a Mistake," https://youtube.com/live/Pun9DDwpOOw ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MedicareOpenEnrollment #MedicareAdvantage #Medigap #RetirementPlanning #HealthSavingsAccount

Is the Federal Reserve getting monetary policy wrong? The bond market may be sending a warning that the Fed is ignoring. With inflation, interest rates, and economic growth sending conflicting signals, the risk of a costly Federal Reserve policy mistake is growing. Lance Roberts & Michael Lebowitz examine whether the Fed is misreading the economy, keeping interest rates restrictive for too long, or risking another inflationary surge by easing too soon. What are Treasury yields and the bond market telling us about the Fed's next move? And what could a monetary policy mistake mean for stocks, bonds, retirement portfolios, and your investments? 0:00 - INTRO 0:54 - Markets Point downward, post-Meta Report 4:10 - There's Narratives...and then there's Reality 5:38 - Markets don't need to crash to fix over-valuations 8:47 - Markets Rally back above 20- & 50-DMA 9:39 - Consolidation does same work as a Market Decline 11:06 - Patience Pays 13:41 - Meta Earnings Beat on Every Metric 14:56 - What "cash flow negative" really means 16:52 - When Companies Buy Back Stock w Free Cash Flow 19:02 - We Can't Live Without the Internet...or AI 20:22 - The Meta Stock Split Explained 23:23 - Are Interest Rates Now Impacting Businesses? 25:34 - The Fed is Fighting Oil, not Inflation 28:11 - What the Fed Did in 2020-22 32:40 - Warsh's less-communication Policy 33:46 - The Fed's Irony 35:05 - Why is the Fed Talking About Raising Rates? (Oil) 37:10 - The Bullish Benefit of a Fed Mistake 38:38 - The Small Cap Story 40:19 - "End the Fed?" ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Pun9DDwpOOw -------- Watch our previous show, "Q&A Wednesday: Your Market Questions Answered" https://youtube.com/live/orve3fortqo ------- Watch Today's "Before the Bell" report, "Is the Market Ready for a Big Move?" https://youtu.be/DUIKUWaIgK0 ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Articles Mentioned in Today's Show: "Are Bonds Pricing In A Fed Policy Mistake?" https://realinvestmentadvice.com/resources/blog/are-bonds-pricing-in-a-fed-policy-mistake/ "Why Small Caps Have Recently Traded Like A Bond Proxy" https://realinvestmentadvice.com/resources/blog/why-small-caps-have-recently-traded-like-a-bond-proxy/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #EarningsSeason #InvestingStrategy #FederalReserve #InterestRates #BondMarket #FedPolicy #Oil

Stocks are under pressure despite strong earnings from major technology companies. With S&P 500 futures falling and the Nasdaq facing renewed selling, are investors preparing for a market correction, or is a breakout approaching? Lance Roberts examines why strong corporate earnings aren't enough to satisfy Wall Street's elevated expectations, how concerns about an artificial intelligence (AI) bubble are affecting technology stocks, and why the market may be correcting without a major crash. The S&P 500 remains trapped in a consolidation range, with tightening Bollinger Bands signaling a potentially significant move ahead. Meanwhile, rapid sector rotation, weakening momentum, and upcoming Magnificent Seven earnings could determine the market's next direction. Should investors raise cash, hedge portfolios, or prepare to buy? Lance explains why patience, technical indicators, and disciplined portfolio management matter more than alarming market headlines. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/DUIKUWaIgK0 --- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #EarningsSeason #InvestingStrategy

Are stocks headed for a year-end rally, or is the AI investment boom creating new risks for investors? Today, we examine improving stock market breadth, the S&P 500's ongoing consolidation, and the outlook for a potential Santa Claus rally. We discuss whether artificial intelligence stocks are in a bubble, what constitutes an attractive valuation for Nvidia (NVDA), and the risks surrounding CoreWeave, Anthropic's delayed IPO, and growing AI data center infrastructure investments. We also explore the outlook for energy stocks (XLE), rising electricity demand from AI data centers, international investing risks, and whether it's time to reduce overseas exposure. Plus, recommended investing books, the role of optimism in long-term investment success, GE's transformation, and a preview of SimpleVisor AI. With market leadership broadening and seasonal trends approaching, we consider what investors should watch as 2026 draws to a close. 0:00 - INTRO 0:53 - Technical Difficulties (Why we're late this morning) 1:49 - Space-X Report - Better Than Expected 3:39 - Overall Market Looks Pretty Good 3:58 - Sneak Peak: SimpleVisor AI 5:32 - Market Breadth Improves 6:34 - Consolidation Continues 9:42 - Which Books on Investing Are Recommended? 16:01 - Danny is out hunting 16:23 - Are we in an AI Bubble? 22:10 - What is RIA? SimpleVisor.com explainer 24:14 - What Would be an Attractive PE for Accumulating Nvidia (charts) 30:57 - It is Time to Scale-back on International Exposure (France, Iran, etc.) 33:28 - Optimists Do Better than Pessimists 33:39 - Is the Delayed Anthropic IPO a Red Flag? (What is an IPO?) 36:16 - Will XLE Correct to the Downside? 38:09 - Power Needs of Data Centers & Profitability (The Infrastructure Play) 41:25 - What is the Negative Risk if Nvidia buys CoreWeave? 43:52 - What Happened to GE? 44:52 - Is RIA Planning for a Santa Claus Rally? (How the seasonal cycle works) ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/orve3fortqo -------- Watch our previous show, "Is AI Killing Diversification?" https://youtube.com/live/uYJNuJ0C-yU?feature=share ------- Watch Today's "Before the Bell" report, "Markets Brace for a Breakout," https://youtu.be/VE1Unee3hAE ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Articles Mentioned in Today's Show: "Spotting Market Bubbles: Why History Says It's Nearly Impossible" https://realinvestmentadvice.com/resources/blog/spotting-market-bubbles-why-history-says-its-nearly-impossible/ "Speculative Bull Runs And The Value Of A Bearish Tilt" https://realinvestmentadvice.com/resources/blog/speculative-bull-runs-and-the-value-of-a-bearish-tilt/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreakout #TechnicalAnalysis #MarketOutlook #PortfolioDiversification #ArtificialIntelligence #RiskManagement #InvestingStrategies

The S&P 500 remains trapped in a consolidation range as investors await the next decisive market move. Strong trading support and rapid rotation between technology and value stocks are keeping buyers and sellers evenly matched, despite a continuing momentum sell signal. Will corporate earnings trigger the next stock market breakout? With midterm elections approaching and year-end seasonality coming into focus, Lance Roberts examines market technicals, trading volume, and the potential catalysts that could finally break the market's sideways trend. The question isn't whether consolidation will end, but which direction stocks will move next. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/VE1Unee3hAE --- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreakout #TechnicalAnalysis #MarketOutlook