Money On Tap copertina

Money On Tap

Money On Tap

Di: Ben Brayshaw & Seth Krussman
Ascolta gratuitamente

Hi, and welcome to "Money on Tap", your personal finance headquarters where we bring out the professionals, experience, and some fun in what we call 3 dimensional investing; utilizing insurance, brokerage, and fee-based planning. We believe all investments have merit, all investments have relevance and all investments have their time and place, depending on your goals and appetite for risk.

On a weekly basis "Money on Tap" airs live in New England and is rebroadcast multiple times, as well as available on podcast. Our goal is to educate and debate the current relevant financial issues facing today's investors. As planners with Brayshaw Financial Group, LLC, we have over a century of experience among our planners, and find that many people simply cannot engage in healthy and constructive financial planning relationships due to the magnitude of the industry as a whole. As we educate and debate current topics and relate them to everyday concerns, we will help empower you to feel more confident and more aware as an investor.

Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blog
Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
Phone: 855-226-8551
Email: info@yourmoneyontap.com
Office: 116 South River Road, Bedford, NH 03110
Web: brayshawfinancial.comMoney On Tap Economia Finanza personale
Episodi
  • Retirement Redzone, The Last Mile

    Retirement Redzone, The Last Mile
    Jun 15 2026
    Ten straight up weeks, then a sharp pullback — and if you’re two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week’s market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you’ll learn:
    • Why a 35-year-old and a 65-year-old should do the opposite thing in a pullback
    • The accumulation-to-distribution switch most people don’t know exists
    • What history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year later
    • Sequence-of-returns risk — why the first five years decide everything
    • Building a 1–3 year retirement runway with ~4% cash and T-bills
    • Rebalancing a 60/40 that drifted to 75/25
    • Diversifying away from a top-10 that’s now 40% of the S&P (8 of them tech)
    • Buffered ETFs — a 20% buffer with a 12–15% cap, explained
    • Foundational income, annuities, and the tax-aware withdrawal piece most firms skip
    Plus Money In The News:
    • Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)
    • Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really is
    • A top JP Morgan strategist’s four ways to prep your portfolio for “considerable danger” (David Kelly)
    Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you’re beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.
    Mostra di più Mostra meno
    56 min
  • Risk, Reward, & Record Highs

    Risk, Reward, & Record Highs
    Jun 11 2026
    Nearly every major index is at a record high — and everyone’s asking the same question: is this the beginning of something great, or the end of something that’s gone too far?This week on Money On Tap, Ben Brayshaw and Dan Michelon take that question apart with 75 years of market history, a few statistics that genuinely surprised them, and a clear look at what a record high means for you — whether you’re decades from retirement or already drawing income.What you’ll learn:
    • The Fidelity data showing investing at an all-time high beats investing on a random day
    • Why a record high is usually a signal of a healthy economy, not a top
    • A walk through 1982, 1987, 1995–1999, 2000, 2009, and 2020
    • Why today’s AI market looks more like 1995 than the 2000 dot-com bubble
    • Why timing the market is a loser’s game — and why taking profits isn’t fear
    • Sequence-of-returns risk — why the first years of retirement decide everything
    • Buffered ETFs — staying in the market with downside guardrails
    • Annuities with lifetime income and long-term-care riders
    Plus Money In The News:
    • American financial literacy hits a 10-year low — U.S. adults answered just 47% of the TIAA Institute’s 2026 questions correctly (Yahoo Finance, Kerry Hannon)
    • America’s data-center build-out falls behind schedule — Google’s $80B equity raise and what it signals about AI’s real cost (WSJ, Katherine Blunt)
    • Exxon chief warns oil could spike to $160–$170 a barrel as strategic reserves run thin (Fox Business, Robert McGreevy)
    Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you’re beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.
    Mostra di più Mostra meno
    56 min
  • Retirement Anxiety: Why So Many Americans Feel Unprepared

    Retirement Anxiety: Why So Many Americans Feel Unprepared
    May 29 2026
    61% of Americans now fear running out of money in retirement more than they fear death itself. Half of all U.S. households approaching retirement are at risk of falling short of their current standard of living.This week on Money On Tap, Ben Brayshaw and Dan Michelon sit with the topic that shows up in the conference room more than any other these days: retirement anxiety — and why so many Americans feel unprepared.What you'll learn:
    • The five fears inside retirement anxiety — and which one most plans don't address
    • Why retirement is structurally more anxious today than a generation ago
    • The Honeymoon, the Shock, and the Reframe — the three phases of every retirement
    • Why men, executives, military, and first responders are hit hardest by the identity loss
    • The new 100% income rule (the old 60–70% rule of thumb is dead)
    • The six-part income plan that actually reduces anxiety
    • Sequence-of-returns risk — and why the first five years of retirement determine everything
    • Social Security in 2026: 77% benefit, $1.5T bipartisan proposal, what it means for you
    • Why phased / consulting retirement is the underrated soft landing
    • The emotional plan nobody writes down — hobbies, friendships, purpose, marriage
    Plus Money In The News:
    • Can the stock market save Social Security? A $1.5T bipartisan proposal from Cassidy and Kaine
    • Ford stock surges on a $2B (becoming $10B) pivot to stationary energy storage with CATL
    • Student loan changes hit July 1 — payments rising $300–$350/month under IBR and RAP plans
    Free resource: Email us with "Retirement Anxiety white paper" in the subject and we'll send the companion document.Read the companion blog: brayshawfinancial.com/blog
    Schedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsulta
    Full Money On Tap episode library: brayshawfinancial.com/money-on-tapContact Us
    Phone: 855-226-8551
    Email: info@yourmoneyontap.com
    Office: 116 South River Road, Bedford, NH 03110
    Web: brayshawfinancial.com

    • What is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you’re beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.
    Mostra di più Mostra meno
    56 min
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