Money Tree Investing – Details, episodes & analysis

Lia Holmgren, a former psychotherapist turned full-time stocks trader and trading coach, joins the podcast to discuss the trading mindset. As a stock trading coach she shares how her background helps traders manage discipline, risk, and emotional control. Lia details her approach to options trading, preferring long-term leaps on high-quality stocks and selling covered calls for additional income, while stressing the importance of position sizing and risk management. Learn how you can trade more successfully and without emotion as today we discuss... 

• Lia Holmgren shares her background, originally from former Czechoslovakia, now a full-time stocks and options trader with a past in psychotherapy.
• She explains how her upbringing instilled strong financial habits, leading her to explore investing and later trading.
• Lia works with traders as a performance coach, helping them manage emotions, risk, and discipline.
• She observes that fewer women enter trading due to natural risk aversion and societal influences but notes a growing interest among women in financial education.
• One of the biggest issues Lia sees in traders is poor risk management and misunderstanding risk-to-reward ratios.
• She teaches a simple risk management formula that she believes is life-changing for retail traders.
• Institutional traders often struggle with ego and emotional challenges, especially during losing years.
• Lia explains her position sizing approach, typically risking no more than 1% of her account per trade.
• How traders need to focus less on being right and more on maximizing profits while controlling losses.
• Lia holds about 20 individual stocks, adjusting the portfolio periodically.
• Taxes play a role in trading decisions, but delaying exits for tax reasons can backfire.
• How she prefers selling options over buying, particularly for short-term plays in high-volatility stocks.
• 2025 is expected to bring market volatility and choppiness, making swing trading more challenging.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Douglas Heagren | Pro College Planners
• Jeff Hulett | Finance Revamp

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/trading-mindset-lia-holmgren-696 

We are back in the middle of housing bubble 2.0. Today we cover recent market corrections, investor psychology, and the importance of perspective when managing investments. We talk recent market downturns and real estate. Including the concerns over rising FHA mortgage defaults, government intervention artificially propping up housing prices, and the potential for a significant correction if foreclosure backlogs are released into the market. 

We discuss...

• The U.S. stock market recently declined about 10%, marking an official correction and triggering investor anxiety.
• Many investors struggle with perspective, reacting emotionally to short-term losses rather than focusing on long-term strategy.
• U.S. markets have outperformed international markets for the last 20 years, but history suggests this trend may reverse.
• A 30-40% market correction would simply bring valuations back to historical norms, not signal economic collapse.
• Financial success means little if it comes at the cost of personal well-being, stress, or strained relationships.
• Ray Dalio’s phrase "cash is trash" is context-dependent, as cash can be a valuable asset in volatile markets.
• Holding cash during downturns can significantly improve investment positioning when markets recover.
• The housing market faces risks due to a high FHA mortgage default rate, currently at 14%, one of the highest in history.
• Government intervention has kept foreclosures from hitting the market, potentially propping up home prices artificially.
• An estimated 400,000 foreclosures are backlogged due to government support, posing a risk if policies change.
• If government mortgage relief ends, housing inventory could rise sharply, leading to potential price corrections.
• Media outlets prioritize sensationalism over useful financial insights, making independent research critical.
• The economy remains fragile, and regardless of leadership, structural issues could lead to economic challenges.
• A correction in housing prices could trigger more foreclosures and increase rental market pressure.
• Cryptocurrencies like Bitcoin and Ethereum remain volatile but are still significantly up from past lows.
• Investors must adapt to bear markets, as different strategies are required compared to bull markets.
• Real estate affordability issues stem from government intervention and prolonged cheap credit policies.
• If housing supply increases rapidly, sellers could panic, leading to a sharper market decline.

Today's Panelists:

Kirk Chisholm | Innovative Wealth
Douglas Heagren | ProCollege Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/housing-bubble-2-0-695 

Graham Day joins us to talk about the best EFT diversification you can have in your investment portfolio. Graham shares his experience in the ETF world, from his start at PowerShares in 2008 to co-founding Innovator ETFs in 2017.

Innovator introduced defined outcome ETFs, giving investors structured returns with protection against losses that were once only for the rich or through pricey products. They developed buffer ETFs, which limit potential gains but provide set protection against downturns, helping manage risk while keeping investments easy to sell and tax-friendly.

The conversation looks at how these ETFs stack up against traditional financial products, their use in managing investment portfolios, and more.

Today we discuss...

• Graham Day shares his background in ETFs, starting at PowerShares and later co-founding Innovator.
• Innovator aims to make structured investment strategies more accessible through ETFs.
• Defined outcome ETFs provide equity market exposure with downside protection.
• Buffer ETFs rebalance annually without creating taxable events.
  Innovator also offers accelerated ETFs, which provide leveraged upside with downside limits.
• Simplicity is key—structured products are often complex and difficult for advisors and clients to understand.
• Innovator ETFs aim to provide strategic, risk-managed solutions that fit into modern portfolios.
• Many advisors have used buffer ETFs as a bond alternative due to known downside protection.
• Buffer ETFs performed well compared to both bonds and stocks in recent years.
• Active management underperforms long-term, with 95% of managers lagging the S&P 500 over a decade.
• Investors often underperform the market due to poor timing and emotional decision-making.
• Buffer ETFs help investors stay invested by reducing the fear of market downturns.
• Some investors allocate 20-25% of portfolios to buffer ETFs for meaningful impact.
• Market predictions are unreliable, making defined-outcome strategies appealing.
• Innovator aims to provide certainty in an uncertain investing environment.

For more information, visit the show notes at https://moneytreepodcast.com/best-eft-diversification-graham-day-686 

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

Dive into the world of investing in EFTs as we're joined by Bruce Bond, a seasoned expert who's been around the block in the industry. Bruce brings a wealth of experience, having started from the ground up, selling bonds and eventually venturing into the world of ETFs. From his early days at PowerShares to his current gig at Innovator Capital Management, Bruce has seen it all and has some fascinating stories to share. We'll be tracing Bruce's journey through the financial landscape, from the highs of launching innovative ETFs to the challenges of navigating market turbulence. 

Plus, we'll dig into the nitty-gritty of financial innovation, chatting about how ETFs have revolutionized investing and exploring new strategies to tackle today's unpredictable markets. So, buckle up as we embark on this enlightening conversation and uncover the secrets to thriving in today's ever-changing financial world! Today we discuss: 

• Bruce's journey from bond sales to founding PowerShares and Innovator Capital Management
• The evolution of financial products, particularly the rise of thematic ETFs
• Advantages of ETFs over traditional investment vehicles for investors
• Innovative strategies to navigate market volatility and uncertainty
• Bruce's insights into the future of finance and investment trends
• The role of technology in shaping the future of financial services
• Opportunities and challenges in today's dynamic market environment
• Bruce's vision for the future of Innovator Capital Management and its impact on investors

For more information, visit the show notes at https://moneytreepodcast.com/investing-in-efts-bruce-bond-396

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management
• Tim Baker | Metric Fin

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

The market's going up and someone has to be to blame! This week we help you understanding the complex forces driving the market highs in 2024. We delve into the trends of the market and various forces at play, seeking to provide listeners with a deeper understanding of the market dynamics. In this episode, we discuss: 

• Fragility, resilience, and anti-fragility are concepts discussed in various contexts.
• Efficiency-focused systems can become fragile and vulnerable to unforeseen events.
• Fragility occurs when short-term risk elimination increases long-term vulnerabilities.
• Resilience entails fortifying oneself against adversity, preparing for challenging times.
• Diversification in investment portfolios is vital for resilience, mitigating risks from asset overexposure.
• Understanding investments and avoiding overly risky portfolios ensures long-term financial stability.
• Rising interest rates and inflation pose concerns for investors, impacting the economy and personal finances.
• How you can have a more balanced perspective on the market and the current state of political opinions.
• Managing debt, especially credit card debt, is crucial as rising interest rates may strain finances further.

For more information, visit the show notes at https://moneytreepodcast.com/market-going-up-595

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

Jordan Berry went from being a pastor to striking gold investing in laundromats. His journey's a rollercoaster, from dreaming of Hawaii to diving into the world of laundry. Jordan shares the highs and lows, from snagging laundromats to facing unexpected hurdles. 

We'll talk about why he made the leap, the perks of laundromat life, and his tips for budding entrepreneurs. 

Plus, Jordan dishes on what's shaking up the laundry business and where it's headed. 

Get ready for a lively chat on thriving in the world of laundromat entrepreneurship as we talk with Jordan Berry about: 

• The transition from pastoral vocation to laundromat entrepreneurship
• The allure of passive income and financial freedom in the laundromat industry
• Navigating the complexities of acquiring and managing laundromats
• Overcoming setbacks and failures on the entrepreneurial journey
• Emerging trends and innovative strategies in the laundromat industry
• Practical advice and resources for aspiring laundromat entrepreneurs
• The future of the laundromat business and its potential for growth and profitability
• Jordan's vision for the future of laundromat entrepreneurship and its impact on aspiring entrepreneurs

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

Another week in the markets and the idea of a potential civil war and the stock market. 

• Another eventful week in the markets, with little significant change. Why so quiet?
• Discussion revolves around the recent Fed meeting and its implications.
• Market analysts scrutinize minor adjustments in the Fed's statement for deeper meaning.
• Understanding market reactions is crucial for informed investment decisions.
• Market trends reflect the collective actions and sentiments of millions of investors.
• Investing strategies should consider how news aligns with market expectations and reactions.
• Media sensationalism and fear-mongering can distort perceptions of market realities. Tune out the noise.
• Long-term market direction tends to be upward, despite short-term fluctuations.
• Maintaining a rational perspective and avoiding emotional responses is crucial for successful investing.
• Why civil war is NOT a possibility in the U.S... Yet if you watch your favorite news station it feels like it is. We discuss how to square that circle.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/civil-war-and-the-stock-market-593

I'm thrilled to host Yossi Sheffi, a distinguished professor at MIT known for his expertise in supply chain dynamics. Today, we're diving into the disruptions experienced by supply chains during the pandemic.

Professor Sheffi's insights will shed light on the root causes and strategies for resilience. Join us as we explore the impacts on global economies and industries, and uncover valuable insights for navigating future challenges.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Barbara Friedberg | Barbara Friedberg Personal Finance
• Douglas Heagren | Pro College Planners

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on X (formerly Twitter): https://x.com/MTIPodcast

This week we discuss all sorts of great topics such as where to find great opportunities in an expensive market. Why everyone is bearish. And most important, why it pays to be a bull.

We're diving into the world of current stock market opportunities and where you can look for them. We'll be discussing where to find great opportunities despite the high market prices, exploring the reasons behind the prevailing bearish sentiment, and highlighting the benefits of maintaining an optimistic outlook, even during challenging times.

Key Takeaways: 

• The stock market remains robust despite minor fluctuations.
• Triple witching is often overhyped and not a significant concern for most investors.
• Bitcoin may experience short-term fluctuations, but its long-term growth trajectory has been substantial, especially with the introduction of ETFs.
• Liquidity, expense ratios, and trading options are crucial considerations when choosing ETFs.
• Critical thinking is essential when consuming financial news.
• Monitoring various market trends can uncover investment opportunities.
• Reflecting on missed opportunities is essential for refining investment strategies.
• Focusing on fundamentals rather than short-term market noise leads to more successful investment outcomes over time.

Today's Panelists:

• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast

For more information, visit the show notes at https://moneytreepodcast.com/stock-market-opportunities-591

This week we have Doomberg join us, the prolific writer behind the Doomberg Substack, a renowned for insightful commentary and analysis on global energy dynamics and the current energy crisis under the surface.

Doomberg's expertise delves deep into the complexities of the energy sector, exploring the intricate intersections of geopolitics, technology, and sustainability. We discuss the latest trends, challenges, and opportunities shaping the future of energy.

For more information, visit the show notes at https://moneytreepodcast.com/the-energy-crisis-doomberg-592

Today's Panelists:

• Megan Gorman | The Wealth Intersection
• Kirk Chisholm | Innovative Wealth
• Phil Weiss | Apprise Wealth Management

Follow on Facebook: https://www.facebook.com/moneytreepodcast

Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast

Follow on Twitter/X: https://x.com/MTIPodcast