Episodes

  • Are Financial Advisors Worth It? What Investors Should Know

    Are Financial Advisors Worth It? What Investors Should Know
    Jun 25 2026
    “Well… It Depends!” explores financial questions that rarely have a one-size-fits-all answer. In this episode, hosts Andrew Baron, CFP®, EA, and Derek Doyle tackle a question that has become increasingly relevant in the age of artificial intelligence and digital financial tools: Do I need a financial advisor? They examine the growing availability of AI-powered financial resources and discuss the opportunities—and limitations—of managing your finances without professional guidance. Andrew and Derek break down the challenges individuals may face when going it alone, including keeping up with changing tax laws, understanding broader economic trends, managing cash flow, and creating a comprehensive financial […]
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    12 mins
  • A Complicated Market: AI Stocks, SpaceX IPO, Interest Rates & Inflation Explained

    A Complicated Market: AI Stocks, SpaceX IPO, Interest Rates & Inflation Explained
    Jun 12 2026
    “Well… It Depends!” explores financial decisions and market developments that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss several of the major forces currently influencing the markets, including the continued surge in artificial intelligence-related investments, the potential impact of high-profile upcoming IPOs, uncertainty surrounding interest rates, and ongoing inflation concerns. From soaring semiconductor stocks and AI infrastructure spending to the anticipated SpaceX IPO and other companies potentially entering the public markets, they break down what investors should consider when evaluating rapidly growing sectors and whether current market enthusiasm […]
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    20 mins
  • Major Purchases During Market Uncertainty

    Major Purchases During Market Uncertainty
    May 28 2026
    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss how to approach major financial decisions during periods of market uncertainty, inflation concerns, and economic volatility. From buying a home or vehicle to planning for travel, retirement expenses, or other large purchases, they break down why timing the market isn’t always the right strategy—and why affordability, planning, and long-term goals often matter more than headlines or short-term market swings. The conversation also explores the importance of setting aside cash for future expenses, managing […]
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    14 mins
  • What’s My Magic Number for Retirement?

    What’s My Magic Number for Retirement?
    May 14 2026

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    15 mins
  • Tax Planning in 2026: New Rules, Deductions & Smart Strategies (OBBBA Breakdown)

    Tax Planning in 2026: New Rules, Deductions & Smart Strategies (OBBBA Breakdown)
    Apr 30 2026

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    24 mins
  • Markets vs Portfolios Explained: Why the S&P 500 Isn’t Enough for Retirement Planning

    Markets vs Portfolios Explained: Why the S&P 500 Isn’t Enough for Retirement Planning
    Apr 16 2026

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    17 mins
  • Pensions to 401(k)s: Why Retirement Isn’t What It Used to Be

    Pensions to 401(k)s: Why Retirement Isn’t What It Used to Be
    Apr 2 2026

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    22 mins
  • The AI Question: Advice vs. Action

    The AI Question: Advice vs. Action
    Mar 19 2026

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle dive into the growing conversation around AI vs. the human advisor.

    They discuss how AI is influencing the stock market, where it may (and may not) disrupt industries, and what it means for financial planning. From robo-advisors to real-world decision-making, they break down the limitations of AI, the importance of human judgment, and why implementation and personal connection still matter.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    20 mins