Ross was so worried about his greeting that he didn't introduce himself.  So, Ross Johnson, begins the podcast by talking about the time of year that is important to seniors.  Open enrollment.  Now is the time to check your premiums.

Six Minutes of Wisdom

Are You Leaving Money on the Table?

Cynthia, Ross and Randy of the JS Group discuss the tie-in between Social Security and your Long Term Care.

No Long Term Care?

Cynthia, Randy and Ross discuss the issues you need to think about as you decide to start a business.

Pillars of Business Success

Ross, Cynthia and Randy discuss how they have uncovered opportunities for clients to reduce expenses and taxes.  They encourage you to ask your advisor for advice on many things you may not realize they can assist with.  If they can't assist from past experience, they may be able to refer you to a professional who can help.

Uncovering Opportunity

Cynthia initiates a discussion with Ross and Randy regarding the  process Randy is using when assisting his father with the selection of assisted-living facilities.  We discussed the tone of the conversation as well as what steps needed to be taken so that the family member is in agreement with the ultimate transition.

Please Don't Put Me in a "Home"!

Ross, Cynthia and Randy dissect a pay stub.  We review all of the pretax and after-tax withdrawals that occur before you finally see the final amount hit your bank account.  How can you maximize the benefits from some of these deductions?  We'll get into the weeds on that.

Pay Stub

Ross, Cynthia and Randy of the JS Group at Baird discuss the advantages of participating in a HSA account.  Why should younger individuals be thinking about this as an important investment and tax avoidance tool?

Health Savings Accounts

While Ross tested his mental acuity by taking the CFP® exam, Cynthia and Randy discussed the recent hysteria over stock manipulation with social media posts.  Please don't try this at home!

Social Media Frenzy

Randy interviews the other members of the JS Group at Baird that own pets.  A recent Wall Street Journal article enumerated the many expenses of pet ownership and we discuss some of these costly surprises.

For the Love of Rover

Ross, Cynthia and Randy discuss the pros and cons of freezing your credit and what the process is.

Baby It's Cold Outside

Debbie Loritz has worked for Baird for 40 years.  She came out of high school to start her career at the age of 18.  She recently was blessed with a little granddaughter and decided that spending more time with Charlie is her first priority.  We got a little history lesson and some heartfelt reminiscing from Debbie in this interview.

The Unicorn

Cynthia, Ross and Randy discuss portfolio management with Max Mann.  Max is a CFA and portfolio manager for the Baird Specialized Asset Management team.  He provides insight into the role of a portfolio manager and how they manage investment assets in these interesting times.

Portfolio Management with Max Mann

Ross and Randy of the JS Group at Baird discuss the current real estate market.  They also delve into the difficulties first time home buyers are experiencing.  Why is it still a good thing to own your own home?

The Real Estate Conundrum

Randy sets up a rivalry between Cynthia and Ross by creating a game show atmosphere.  He asks them questions about the worst performing month of the year, the affect of the election on stock markets and how the deferment of the payroll tax works.

The JS Group Game Show

Cynthia, Ross and Randy interview Kelsey Clair.  Kelsey is Baird's Tax Strategist in the Financial and Estate Planning Area.  We discuss what we should be thinking about as it pertains to the CARES act and the provisions that allow some special situations this year only.  We also discuss the election and how that may affect your planning.

Five Months to Go- Tax Planning

This podcast is a series of conversations between Randy Stary, Senior Investment Consultant at Baird, and his team members. It focuses on investments, financial planning and personal finance. The intent is to keep the conversations short and meaningful.

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Six Minutes of Wisdom

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