The Investor Coaching Show with Paul Winkler

This Shark Tank Pitch Would Put Your Retirement at Risk

Today, Paul shares a pitch that was recently made on Shark Tank. It’s a business called Parrot Finance. You attach your brokerage account, you choose the portfolio of well-known rich and famous investors, and then, boom, all of a sudden you’re investing in the kinds of products and portfolios that wealthy investors have had access to all along. Listen along to hear why investing like the rich almost never works and why a product like this would put your retirement at risk.

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

11% No-Risk Real Estate? Let’s Break It Down

Investing is not about knowing which products to pick. It’s about finding the right process and sticking with it. Today, Paul gives you a crash course in how to spot product-based marketing and pick it apart using a recent TV ad with a football star and a real estate product that sounds better than it is. Throughout your investing journey, you’ll be tempted to reach for products like real estate, dividend-paying stocks, target-date funds, and annuities to take an income in retirement. Confident investors know these aren’t the answer and know why. 

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Making Sure You Leave Space for Fun in Retirement

Paul isn’t shy about sharing his love for flying cars. Sometimes people have a hard time getting motivated to save for retirement because they lump it in with other adulting tasks like dental work or jury duty. Today, Paul shares that you should leave some space for fun and dreaming about the future, and you should find ways to stay motivated toward saving. Paul then pivots to discuss how many older investors are getting scammed out of thousands by people they should be able to trust the most.

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Unexpected Family Expenses: How Families Shift To Raise Children

Today, Evan brings an article that shows when people have time to plan, they make very different decisions when unexpected expenses arise. Listen along as Paul and Evan talk about how having a family changes your financial needs and priorities, and share some of the basic financial literacy tools that can help a family rise to meet their financial needs. Later in the episode, Paul shares a clip from CNBC that shows that the investing industry is celebrated for giving investors whatever they want, even when they are obviously harmful products.

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Large U.S. Doesn’t Win Every Year, but They Won’t Even Look at International Value. Why?

Today, Dan talks about his experience at an investing workshop and explains how frustrating it is when the industry knows how to make a diversified portfolio, and that those portfolios would perform better than many of the products they offer, yet most investors come into PWI offices with a portfolio that is overweighted in large U.S. companies. Listen along to hear how the industry uses ratings, short-term past performance, and other emotional sales pitches to sell you yet another large U.S. fund, and why investors get sucked into investing in your “team” instead of taking an academic approach. Later in the episode, Evan brings a WSJ article about how investors who invested in private credit funds are losing big now that these private companies are defaulting on their loans. 

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

The Industry Wants You To Trust Them As the Experts. This Is a Big Trap.

Today, Paul, Evan, and Dan discuss a story about an advertisement in which the company basically says, “You won’t have to worry about any of this because we’ll be worrying about it for you.” Listen along as these investors explain why you never want to hear this from a company that sells you products. Over the years, PWI has found that your concerns about money and investing go away when you learn and educate yourself, not when you blindly trust people who don’t have to live off of your retirement. Later in the episode, Evan talks about how future brides are now buying dresses that are too small and taking GLP-1s. The clothing sellers are making them sign waivers confirming that they don’t fit yet and can’t be returned. All of this is a great metaphor for how investors try to predict market futures.

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Should Economics Be a College Requirement? Paul Thinks So

Today, Paul talks about how many high schools have wanted to replace basic economics education with personal finance. The problem is that most high schoolers won’t use any personal finance information for a decade, and research shows that their retention of the information is low. Listen along as Paul explains why the foundational concepts of capitalism create a world where personal wealth is up and so is quality of life, but market timers and proponents of communism and socialism believe the same thing: A small group of smart people can create wealth and prosperity for everyone. The problem is that it hasn’t ever worked. Paul thinks that learning the foundations of economics can create more confident investors. 

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Risk in Investing Is More Complex Than You Think

Most investors hear the word “risk” in investing and assume it only refers to the likelihood of losing all their money on an investment. Today, Paul explains why the concept of risk in investing is more complex, covering topics such as sequence of returns risk, benchmarking, and whether stock markets are riskier today than they were in the past. Later in the episode, Paul discusses a 20-year-old day trading rule that was recently overturned, which will likely generate more revenue for companies and increase risk for traders.

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Spring 2026 Economic Update: Is Innovation Dragging Down the Economy?

Today, Paul gives an update on the state of the U.S. economy and explains why the jobs and equities markets haven’t struggled the way many people predicted they would in 2025 and 2026. Listen along to hear about how the FED, technology companies, and job markets are working together to respond to AI and innovation in the workplace. Later in the episode, Paul answers a listener's question about how much of your portfolio needs to be held in bonds in order to weather downturns and still take an income in retirement. 

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

An Investment Pays You To Borrow Your Money. It’s That Simple.

Today, Paul shares the first thing to look for when you see something that claims to be an investment: a clear cost-of-capital story. Many financial products claim to be investments, but at the end of the day, they are not paying you to borrow your capital. Listen along as Paul shares why financial products that don’t have a cost of capital can be dangerous, confusing, and come with difficult-to-measure risk. Paul also answers a listener's question about closed-end funds (CEFs). Later in the episode, Paul pushes against the growing pessimism that things are worse now than they used to be, sharing an article about how the upper middle class in the U.S. has been growing steadily over the last few years.

 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

 

This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information.

Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.