Plan First, Profit Later: The Secret to Smart Investing

Optimize Your Financial Future: Avoiding Common Retirement Pitfalls

May 6, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discussed concentration risk, where too much of a portfolio is in one stock, and solutions like 721 exchanges or donation strategies. They also talked about 401(k) plans for small businesses and when to claim Social Security. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Smart Money: Your Guide to Market Swings and Retirement Readiness

April 1, 2026 ~ Nick Hopwood and Ryan Ermani discuss navigating market volatility, emphasizing that corrections are normal and a good financial plan helps weather these storms. They talk about pre-retirement planning, stressing the importance of having enough money and a plan for filling leisure time. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Smart Money Moves: Avoiding Pitfalls and Building Wealth

March 4, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discuss mutual fund capital gains distributions, citing an example of a client who owes a large sum in taxes without selling assets. They explain how Obamacare subsidies could be lost if income exceeds $84,000, and highlight the potential of “Trump accounts” for long-term wealth creation for children. The speakers also touch upon proposed wealth taxes in the Netherlands and California, and the broader economic implications of various tax policies. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Invest Smart: Your Guide to Navigating Market Swings and Retirement

Feb. 4, 2026 ~ This episode discusses how politics affects investing, advising listeners to avoid panic-selling based on news. It highlights the importance of an automatic financial plan for wealth building and offers insights on retirement planning, including four key questions to ask oneself. The hosts also describe the five stages of retirement, from anticipation to fulfillment, stressing the need for meaningful activities beyond leisure. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Plan First, Profit Later: The Secret to Smart Investing

Jan. 7, 2025 ~ In this episode of “No Lazy Money,” host Ryan Ermanni sits down with Nick Hopwood and Jim Pilat of Peak Wealth Management to uncover why true financial success starts with planning—not just chasing returns. You’ll learn why understanding your goals is the foundation for smart investing, and how strategies like Roth conversions, donor-advised funds, and tax-loss harvesting can save you thousands over time. Plus, discover why tax planning is the hottest trend in wealth management and how to avoid costly mistakes with your 401(k), IRA, and HSA contributions. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.