Episode 664: From rising oil prices to midterm elections, market noise can feel overwhelming, but diversification can help keep your long-term plan on track. Then, learn four costly IRA mistakes that can lead to taxes, penalties, and consequences that may be impossible to reverse.

Episode 663: After successfully managing his family’s finances for 25 years, one experienced investor hired an advisor and came away with five lessons he didn’t expect. Next, Ryan and Justin show how a seemingly diversified portfolio can gradually become overly dependent on the same winning stocks.

Episode 662: Cars break, roofs wear out, and appliances die. John and Zach explain how to turn those future “surprises” into planned expenses instead of financial emergencies. Next, learn how to use Roth conversions like a scalpel, not a sledgehammer, to help reduce taxes over the long run.

Episode 661: Want to help your kids or grandkids while you’re still here to see it? Steve and Matthew explain how much you can give and how to make the most of today’s gifting rules. Next, learn the financial moves that can help you navigate life’s biggest milestones, from a first job and marriage to retirement and handling an inheritance.

Episode 660: Matthew and Abbie sit down with Hannah to talk about her role at RYA and give clients a chance to get to know the person behind the familiar voice. Then, learn how to plan ahead for retirement’s biggest expenses and avoid costly “gotchas” after your paycheck stops.

Episode 659: Discover why growing wealth can make typical market swings feel anything but normal and how adjusting your strategy or perspective can help you stay on track. Then, learn why frightening headlines can be costly when they influence investment decisions and how a long-term plan can help keep you grounded.

Episode 658: A big 401(k) is worth celebrating, but taxes can take a surprising bite. Ryan and Matthew discuss ways to keep more of what you worked so hard to save. Then, learn four smart steps for handling a windfall wisely.

Episode 657: Steve and Zach walk through the key moves that can help turn early retirement from a dream into a workable, lasting plan. Next, learn how those “it’s just a few dollars” purchases can turn into real money, and how to bring them back under control.