The Investor Coaching Show with Paul Winkler

We’re Not a Huge Fan of Trump Accounts. Here’s Why.

Today, Paul and Evan answer a listener's questions about Trump Accounts and how the investments get managed. Listen along as the two advisors cover the restrictions on investments, the low contribution limits, and the tax implications of using one of these accounts to invest for minors. Then they pivot to a question about a possible rule change to the order in which you can make retirement and catch-up contributions. After the break, Paul discusses how adding private equity investments to your portfolio puts your future in the hands of companies that don’t have to provide basic reports about the health of their business.

 

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.

Bitcoin Has Dropped By Half Since August. Why Are Investors Digging in Their Heels?

Today, Paul and Evan talk about the catastrophic drop in Bitcoin’s value and why Bitcoin traders keep digging their heels in, hoping for a brighter future. Listen along as these two advisors share how personal bias and financial news spin keep this risky digital commodity that few people understand alive through hectic bouts of demands and sell-offs. Later in the episode, Paul discusses a refinancing company called Yrefy that is paying media personalities to push a product that sounds nice, but the numbers don’t add up. Paul cautions that if it sounds too good to be true, it is. 

 

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.

Choosing Your Investments Based on Your Time Horizon

This week, Paul has been methodically taking you through the basic principles of building a portfolio that will help you reach your goals. We’ve looked at how cash, bonds, and stocks work together to minimize risk and talked about why picking high-yield bonds and individual stocks opens you up to non-systematic risk (aka risk you wouldn’t get compensated for). Today, Paul discusses the final step in building a portfolio: letting your time horizon be the determining factor in where you allocate the money in your investments. 

 

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.

Asset Class Investing: The Key to Avoiding Uncompensated Risk

When we discuss investing in the stock market, most people think of investing in individual stocks. Paul shares that the returns with this approach are problematic. Listen along as Paul and Arlene talk about a different approach called asset class investing and explain the difference between picking individual stocks and investing in commingled investment vehicles. 

 

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.

Cash, Bonds, and Stocks: What's in Your Portfolio and Why? (Part 2)

A diversified portfolio contains a mixture of cash, bonds, and stock investments. Not knowing how these assets work together leads to some of the most common and harmful investing traps. Today, Paul invites Arlene Brown onto the show to explain how cash holdings, bonds, and stocks can work together to limit your risk of short-term market fluctuations and long-term inflation. Listen along as these advisors go into detail about the strengths and pitfalls of having investments in each category. 

 

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.

Cash, Bonds, and Stocks: What's in Your Portfolio and Why? (Part 1)

A diversified portfolio contains a mixture of cash, bonds, and stock investments. Not knowing how these assets work together leads to some of the most common and harmful investing traps. Today, Paul invites Arlene Brown onto the show to explain how cash holdings, bonds, and stocks can work together to limit your risk of short-term market fluctuations and long-term inflation. Listen along as these advisors go into detail about the strengths and pitfalls of having investments in each category. 

 

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.

Cathie Wood Got It Wrong in 2025, but What Does She Think About 2026?

Paul shares a clip this morning that shows just how low the standard is for what financial media views as “credible” investing information. Listen along to hear an interview with Cathie Wood, CEO of Ark Invest, where she discusses the mistakes she learned from in 2025, which cost investors millions, and tries to get airtime to spin the 35% drop in Bitcoin as a victory in this market. Then, Paul addresses a listener who works a very physically demanding job and is in a tricky position, where long-term disability insurance is very expensive, and it’s possible that they won’t remain employed until retirement age. Paul shares some options for supplementing your income if you are not yet at the normal Social Security age.

 

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 Average Car Payment Is $780/month. Is That a Problem With the Market or With Human Behavior?

When most people buy a car, they take on a substantial car payment. But how long does the high of having a nice new ride really last? Today, Paul discusses why government intervention in making cars easier to buy has historically led to chaotic markets and other economic issues. Listen along as Paul explains why it’s difficult to really meaningfully change your level of happiness through things like new car purchases and how you can start to chart a course forward where the things in your life support your sense of purpose, instead of you spending your time and money working off things that don't bring you joy. Later in the episode, Paul addresses a listener who is curious about when you should start building up assets in a non-qualified account instead of a pre-tax account.

 

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.

What Happens if the Dollar Drops? Understanding the Cause and Effect of a Weaker Dollar

Today, Paul brings in a WSJ article that provides a list of potential events this year that could weaken the dollar against other world currencies. Paul wants confident investors to remember that you shouldn’t change your plan based on what may or may not happen in the future. Then, Paul explains why a weaker dollar isn’t always a bad thing for the U.S. economy, and why investors who follow the industry are more likely to be hurt by a weakening dollar. Later in the episode, would it be helpful for people to tap their 401(k) for a down payment on a home? Paul covers an article about a Trump administration plan to borrow from yourself to buy a house, and discusses the unseen risks of removing money that is making compound interest for something you need now.

 

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.

When Paul Says "Capturing Market Returns,” Is That Just Code for Indexing Everything?

When Paul first started this show, indexing and target-date funds were not very popular at all, as the world experienced a decade where large U.S. companies struggled to generate any returns for investors. Fast forward another decade, and indexing and target date funds are now all the rage as investors believe that “indexing” is synonymous with great returns, low fees, and wealth in retirement. Indexing may sound like diversification, but Paul explains what really happens when millions of investors choose this path for their portfolios. Later in the episode, Paul shares where fund companies make the biggest mistakes with indexing and provides a blueprint for capturing market returns that won’t leave you overweight in a few companies.

 

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.