Dollars&Sense Nelson Financial Planning

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• Market Index Shifts, Vacation Budgeting, and Potential Tax Refund for Covid-era Penalties 29.06.2026 38นาที

  In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning covers a packed lineup of financial topics—from market volatility and index changes to summer travel planning and a potentially significant tax refund opportunity.First, Joel discusses the recent uptick in market volatility, including how AI-related spending, semiconductor stocks, and market concentration are affecting investor conversations. He also explains the upcoming Russell 1000 Growth and Russell 1000 Value reconstitution, why major companies like Apple, Microsoft, Amazon, and Alphabet may shift within these indexes, and what that could mean for investors who own index funds or ETFs.Next, with summer vacation season in full swing, Joel shares practical ways to vacation smarter. From building travel into your monthly budget to choosing less expensive travel dates, considering less touristy destinations, planning for the full cost of the trip, and using credit card rewards carefully, this segment offers timely tips for enjoying a vacation without creating financial stress afterward.Finally, Joel breaks down a recent court decision, Kwong v. United States, that may create a potential refund opportunity for taxpayers who paid certain IRS penalties or interest related to tax years 2019 through 2022. He explains why the July 10 deadline matters, what a protective claim is, and why taxpayers may need to act to preserve their rights while the issue continues through the appeals process.Topics covered in this episode:Market volatility, AI spending, semiconductor stocks, and the Russell index reconstitutionSmart summer vacation planning and ways to reduce travel costsThe Kwong v. United States tax case and potential refund claims for IRS penalties and interest💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Adult Children, Family Finance Tension, and Your Retirement Living 22.06.2026 39นาที

  As parents, it’s natural to want to help your children—especially when they’re facing financial challenges. But when that support becomes open-ended, it can create serious risks for your retirement, your emergency fund, your credit, and even your family relationships.In this episode of Dollars and Sense, Joel and Zach discuss five ways helping adult children can unintentionally hurt your retirement plan. They cover how financial support can affect family dynamics, create sibling tension, reduce retirement contributions, drain emergency savings, and increase debt or credit risk.The goal isn’t to stop helping your kids. It’s to help wisely—with structure, boundaries, and a clear understanding of how today’s generosity could impact tomorrow’s financial security.If you’re a parent, pre-retiree, or retiree trying to balance generosity with long-term financial stability, this conversation is for you.Thinking about moving to a 55+ community? Before you make the leap, there are a few important questions to ask yourself—because this decision is about much more than buying a new home.Joel and Zach discuss the lifestyle, financial, emotional, and long-term planning considerations that come with moving into a 55+ community. From downsizing and HOA fees to social activities, aging in place, and making sure you and your partner are on the same page, this conversation is designed to help you think clearly before making a major life transition.A 55+ community can offer convenience, connection, and a fresh start—but it may also require trade-offs. The key is knowing whether the community fits your finances, personality, lifestyle, and future needs.In this episode, we cover:Whether you’re truly ready for a lifestyle changeThe emotional and practical side of downsizingGiving up yardwork, gardening, and home maintenanceUnderstanding HOA fees and service-based costsSocial opportunities and privacy considerationsMaking sure you and your partner are alignedPlanning for aging in place and long-term comfortIf you’re retired, nearing retirement, or helping a loved one consider their next move, this episode will give you helpful questions to consider before choosing a 55+ community.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Discipline Over Drama: How Smart Investors Tune Out Hype 15.06.2026 37นาที

  In this episode, we look at three forces that can shape—or sabotage—an investor’s long-term success: exciting investment stories, nonstop financial headlines, and everyday money habits. From the hype around companies like SpaceX to the emotional pull of market news, we discuss why compelling stories and breaking headlines don’t always translate into smart portfolio decisions. We also explore the quiet habits that can help build wealth over time, including saving consistently, avoiding lifestyle creep, automating good decisions, and staying focused on a long-term financial plan. The big takeaway? Successful investing usually isn’t about reacting faster, finding the flashiest opportunity, or predicting the next market move. It’s about discipline, diversification, consistency, and making decisions that align with your goals—not your emotions.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Markets at Record Highs, Too Much Cash, and the Real Retirement Readiness Test 08.06.2026 37นาที

  Are today’s market highs a sign of strength—or a reason for caution? In this episode of Dollars & Sense, Joel Garris breaks down what investors should pay attention to as stocks sit near record levels, inflation remains sticky, and interest rate uncertainty continues to shape the financial landscape.Joel also tackles one of the biggest quiet risks in personal finance right now: holding too much cash. While cash can feel safe, staying overly conservative for too long can create long-term consequences for growth, purchasing power, and retirement success.Then, in a practical and timely segment, Joel walks through a retirement readiness checklist—covering income planning, Social Security, taxes, health care, legal documents, and the lifestyle questions many people overlook.If you’ve been wondering whether to stay invested, move money out of cash, or prepare more intentionally for retirement, this episode offers clear, practical guidance to help you make smarter financial decisions.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Smart Financial Moves for New Parents and the Common Costly Misunderstood Tax Rules 01.06.2026 39นาที

  In this episode of Dollars & Sense, Kristin Kalley and Christina Lamb tackle two important financial topics that can have a big impact on your family’s future. First, they break down which accounts parents should prioritize when they have a baby, including 529 plans, custodial accounts, and newer savings opportunities that could help build long-term, tax-advantaged wealth for children. Then, they shift gears and unpack some of the most commonly misunderstood federal income tax rules—covering tax brackets, write-offs, refunds, Roth conversions, capital gains, and more.If you’ve ever wondered how to start saving for your child, or if you’ve heard tax advice that sounded a little too simple to be true, this episode will help you think more strategically and avoid costly mistakes.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• 7 Ways Retirees Accidentally Hurt Their Investments 25.05.2026 37นาที

  What investment habits can quietly hurt your retirement plan? In this episode of Dollars & Sense, Chet and Rob break down 7 common investor behaviors that can create unnecessary risk for retirees—from holding too much cash and trying to time the market to ignoring taxes, chasing yield, skipping rebalancing, overreacting to headlines, and failing to adjust your strategy over time.  If you are retired or getting close to retirement, this conversation will help you think more clearly about how your portfolio, withdrawal strategy, and long-term plan should work together. The goal is not perfection—it is discipline, clarity, and making thoughtful decisions that support your lifestyle over the long run.  In this episode, we cover: • Why too much cash can create inflation risk • How market timing can hurt long-term returns • Why tax-efficient withdrawals matter in retirement • The hidden danger of chasing yield • Why rebalancing is essential • How reacting emotionally to news can backfire • Why your investment plan should evolve over time  If you enjoy practical retirement planning conversations like this, be sure to like, subscribe, and share this episode with someone preparing for retirement or already living in it. 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• The IRS Dirty Dozen & the Digital Shift: What Every Taxpayer Needs to Know 18.05.2026 38นาที

  Tax season may be over, but tax scams are not. In this episode, Joel Garris and Christina Lamb break down the IRS’s annual “Dirty Dozen” list of the most common tax scams targeting taxpayers right now—from phishing texts and AI-powered phone scams to fake charities, ghost preparers, identity theft, and misleading social media tax advice.They also unpack the IRS’s ongoing digital shift and explain what it means for refunds, payments, online accounts, and why taxpayers need to prepare now.If you want practical tips to protect your money, avoid costly mistakes, and stay ahead of major IRS changes, this is an episode you won’t want to miss.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• 10 Essential Questions to Ask Your Financial Advisor 11.05.2026 38นาที

  Join Joel Garris on this insightful episode of Dollars & Sense, where he explores the top questions you should ask your financial advisor, planner, or wealth manager.  Discover why it’s crucial to understand how your advisor is compensated, the importance of the fiduciary standard, and how to evaluate investment philosophy, communication practices, continuity planning, portfolio details, risk management, goal tracking, beneficiary strategies, tax minimization, and how to reach your advisor during critical moments. Joel also shares practical guidance on how long to keep financial documents and the best ways to safely dispose of sensitive paperwork. Whether you’re preparing for your next review meeting or seeking clarity in your financial life, this episode is filled with actionable insights to help you make smarter decisions with your money. 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Graduation Season: Launching Financial Success for Grads & Parents 04.05.2026 38นาที

  Actionable Advice for New Grads and Their Families Ready to celebrate graduation season with a dose of real-world financial wisdom? 🎉 Join Certified Financial Fiduciaries™ Chet Cowart and Zach Keister for a lively, informative episode as they step in for Joel—who’s off attending his son’s college graduation in Boston. Whether you’re a proud parent or a fresh grad, this show is packed with practical, kitchen-table conversations you need right now! From budgeting basics and building a financial foundation to setting healthy boundaries and tackling student loans, Chet and Zach deliver four actionable tips for parents and four smart financial moves for graduates. Plus, discover why the Dollars & Sense book and companion workbook make the perfect gift for anyone starting their adult journey. Tune in for a fun, approachable guide to launching your financial future—no jargon, just real talk.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Your Will Doesn’t Decide Who Gets Your Money + Give More to Charity & Pay Less in Taxes 27.04.2026 38นาที

  In this episode of Dollars & Sense, Joel Garris tackles two of the most misunderstood—and most impactful—areas of financial and estate planning.First, Joel breaks down a common myth: your will does not control where most of your money goes. Instead, beneficiary designations quietly determine who inherits retirement accounts, life insurance, annuities, and many investment and bank accounts. With trillions of dollars passing outside of wills every year, Joel explains why outdated or overlooked beneficiary forms can create costly mistakes—and what simple steps you can take today to make sure your assets end up exactly where you intend.Next, Joel dives into one of his favorite planning strategies: Qualified Charitable Distributions (QCDs). If you’re charitably inclined and over age 70½, this powerful tool allows you to support causes you care about while significantly reducing your tax burden. Joel walks through how QCDs work, the rules you must follow, common pitfalls to avoid, and why they can be far more tax‑efficient than writing a check—especially when it comes to required minimum distributions, Medicare premiums, and Social Security taxation.Along the way, Joel also shares timely market perspective during earnings season, highlights the importance of staying organized with financial documents, and explains how thoughtful planning can reduce stress, cost, and conflict for the people you love.If you’ve ever wondered whether your estate plan is really doing what you think it is—or how to give charitably in the most tax‑smart way—this episode is packed with practical insights you won’t want to miss.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Tax Season Reality Check + Market Whiplash: What Your Refund (and Rate) Really Means 20.04.2026 39นาที

  April 15 is in the rearview mirror—but what did we actually learn from this tax season? In this episode of Dollars & Sense, Joel Garris and CPA/CFP® Kristin Castello break down the biggest takeaways we saw on real tax returns, plus what the latest IRS/Treasury stats may be signaling for households heading into the rest of the year. 🧾💡  We also connect the dots to the markets: a reminder of how quickly headlines can swing sentiment—and why consistency matters when volatility shows up. 📊  In this episode: • What’s driving bigger average refunds this year—and why a big refund isn’t always “good news” 💰 • New/expanded deductions people asked about most (and where the fine print matters): “no tax on overtime” & “no tax on tips” ⏱️🍽️ • Enhanced senior deduction + standard vs. itemized trends 👵🧾 • The tax-bracket myth: marginal tax rate vs. effective tax rate (and why most people pay less than they think) 📉 • Market volatility, recoveries, and the value of staying disciplined 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Tax-Smart Moves, Powerful HSAs, and the New Retirement 13.04.2026 38นาที

  This episode covers three topics that can have a big impact on your financial future: how to avoid a surprise tax bill next year, why a Health Savings Account (HSA) may be one of the most underutilized retirement assets, and how retirement planning has changed (it’s not your parents’ retirement anymore). In this episode: Why the IRS is a “pay-as-you-go” system—and what to change if you owed this year Withholding vs. quarterly estimated payments (and when each applies) Social Security and retirement distributions: common tax withholding blind spots HSAs explained: the triple tax advantage (and why it matters) Key HSA rules before and after age 65, including Medicare timing Why retirement may last 30–40 years—and why flexibility beats a “perfect forecast” 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Tax Mistakes, IRS Tips, Sports Gambling & Market Insights 06.04.2026 38นาที

  Join Joel Garris and Rob Field for a lively Easter edition of Dollars & Sense! In this episode, we kick things off celebrating Easter and exploring its unique mix of Christian tradition and modern-day commercialization (think chocolate bunnies and Easter egg hunts). Then, with the tax deadline just days away, Joel and Rob share practical tips to avoid common IRS mistakes that could cost you time, money, and peace of mind. Learn how simple errors like name changes, unreported income, and ignored IRS letters can lead to big headaches—and how to stay off the IRS’s radar. Plus, it's Final Four weekend! The hosts dive into the explosive growth of online sports gambling, revealing eye-opening statistics about success rates, average losses, and the impact on personal finances. Discover why betting and investing are not the same—and how young generations can build wealth by focusing on fundamentals, not quick wins. Discover fun Easter history facts & traditions IRS tips: Extensions, payments, direct deposit & more Sports betting vs. investing—know the difference! Market recap: 2026 Q1, oil shocks, and the importance of portfolio diversification Key Takeaways: ✔️ Details matter—whether you’re filing taxes, investing, or betting ✔️ Diversification and consistency are essential in uncertain markets ✔️ Sports gambling rarely beats true long-term investing #IRSProblems #FinancialPlanning #SportsBetting #InvestingTips #FinalFour #Diversification #PersonalFinance 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• How Interest Rates Impact Tax Bill, Geopolitics and Investing, and Smart Portfolio Strategies 30.03.2026 38นาที

  In this episode of Dollars & Sense with Joel Garris, CERTIFIED FINANCIAL PLANNER® at Nelson Financial Planning, we tackle some of the hottest financial topics of the week: IRS Interest & Penalties: Did you pay extra on your tax bill? Discover why IRS penalties are on the rise, how interest rates affect what you owe, and actionable steps you can take to avoid unnecessary costs. Market Corrections Explained: With markets sliding into correction territory, Joel breaks down what a 10%+ decline means, why volatility is normal, and how headline-driven market drops often recover faster than you think. Inflation & Real-World Impact: Are rising gas prices hurting your wallet, or is it mostly psychological? Learn how inflation affects different households and why financial planning should focus on your numbers—not the headlines. The Power of Diversification: Ever wonder why your investments don’t all perform the same? Joel answers common questions about diversification, the risks of concentration (even in index funds), and how to build a portfolio that weathers market ups and downs. Global Economics & the Dollar: Get an update on the U.S. dollar’s strength, China’s shrinking share of the global economy, and why America’s economic position remains unique and strong. Federal Reserve & Interest Rates: Find out how shifting expectations around rate cuts are impacting markets—and why you shouldn’t build your investment strategy around Fed predictions. Election Year Volatility: Learn historical stats on market swings during midterm election years and why volatility is usually temporary. Whether you’re a taxpayer, investor, or retiree, this epi💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Market March Madness: Private Credit Squeeze & The Truth About Tax-Free Retirement 23.03.2026 39นาที

  Join Joel Garris and Chet Cowart on this week’s episode of Dollars & Sense as they take you courtside for a lively discussion that fuses the excitement of March Madness with the intensity of today's financial headlines. This episode dives into the "private credit squeeze"—how hot new investment products can quickly go from hype to headache, and why liquidity and transparency matter more than ever. The hosts break down what private credit is, how it’s become the latest Wall Street darling, and why even big-name fund managers are feeling the pressure as investors clamor to cash out. Whether you’re a seasoned investor or just curious about these trending products, you’ll learn the risks and realities behind the glossy sales pitches and limited withdrawal policies. In the second half, Joel and Chet tackle the buzz surrounding a "totally tax-free retirement." Are those seminar promises too good to be true? Get the real story on Roth conversions, backdoor IRAs, and why tax planning isn’t a one-size-fits-all solution. They share real-world examples, highlight common pitfalls, and offer guidance for anyone considering major moves with their retirement savings. Plus, enjoy some fun NCAA tournament banter, insights on the changing landscape of college sports and NIL money, and practical advice for making smarter financial decisions—no matter what the headlines say. Understanding the private credit squeeze: hype vs. reality What limited liquidity means for your portfolio The facts (and fine print) about achieving a tax-free retirement Why individualized planning beats blanket advice every time Don’t let market trends or eye-catching ads dictate your financial future. Tune in for a winning playbook on navigating today’s investment landscape! 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Often Missed Tax Credits & Five Scams to Dodge This Filing Season 16.03.2026 39นาที

  Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool. But we don’t stop there: Tax season is a prime time for scammers, and they’re getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind. Whether you’re a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have. 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Bombs, Benefits, and Brackets: Navigating Investments, Trump Accounts, and IRMAA Surprises 09.03.2026 38นาที

  This week’s episode of Dollars & Sense dives into the headlines shaking up the financial world—from the U.S. and Israel’s military action in Iran and rising oil prices to the launch of new “Trump accounts” for minors and the dreaded IRMAA Medicare adjustments. Joel Garris and Rob Field break down the immediate market reactions, share personal stories (including a real-life gas price dilemma), and offer practical, calm action steps for investors facing uncertainty. Learn how historical market shocks recover, why diversification beats prediction every time, and what you need to know about setting up Trump accounts for your kids—including how to snag up to $1,000 free from the government. Plus, get expert insight on IRMAA: how your income can unexpectedly bump up Medicare premiums and shrink your Social Security check—along with proactive tips to avoid getting caught off guard. Whether you’re worried about your portfolio, planning for your child’s financial future, or wondering how to navigate Medicare surcharges, this episode is packed with timely advice and actionable strategies. Tune in for relatable stories, clear explanations, and a holistic approach to making sense of your dollars in uncertain times. Don’t miss out—your financial peace of mind might be just one listen away. 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Don’t Get Scammed: Smart Tips on Financial Security & Retirement Community Readiness 02.03.2026 39นาที

  Ready to safeguard your finances and make confident life transitions? In this must-listen episode of Dollars & Sense with Joel Garris, Joel dives into two of today’s most important money topics: protecting yourself from modern scams and preparing for a move to a retirement care community. 🔒Outsmarting Scammers & Protecting Your Data Have you ever received official-looking letters, texts, or emails trying to charge you for services you can easily (and cheaply) do yourself? Joel kicks off the episode with real stories from the front lines, exposing common business formation scams and revealing why independent verification is your best defense. Learn practical ways to protect your money and personal data from increasingly sophisticated scammers—plus, what simple actions you can take today to avoid becoming a victim. 🏡 Financial Readiness for Retirement Community Living Thinking about moving into a retirement care community, or helping a loved one with this transition? Joel walks you through the essential financial checklist for a stress-free move. From understanding your full financial picture to comparing costs, planning for taxes, updating your legal documents, and more—get the step-by-step guidance to make smart, confident choices for your next big chapter. 👉 Whether you’re starting a business, moving into a new life stage, or just want to keep your hard-earned money safe, this episode is packed with actionable advice you can use right now. How scammers target new business owners—and how to spot the tricks Three key habits to keep your identity and assets secure in the digital age The 8 financial steps to take before moving to a retirement care community Tips on tax planning, legal documents, and navigating changing expenses  💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Money & Mindset: Why We Do What We Do With Our Dollars 23.02.2026 39นาที

  Understanding the Human Side of Financial Decisions Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life. Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and social comparisons influence your financial behaviors. From procrastinating on taxes to feeling envy or guilt when scrolling social media, Zach and Christina break down common cognitive biases—like loss aversion and present bias—and offer relatable stories (including a Monopoly experiment!) to show how these play out in real life. Get practical with 5 actionable tools to rewire your financial habits: Automate your savings and bills for less stress Create simple money rituals to reduce avoidance Reframe your money story for a healthier mindset Add friction to overspending and remove it from positive habits Seek accountability and professional support when needed Walk away with strategies to break the anxiety–avoidance loop, resist emotional overspending, and counteract the pressure of social comparison. Whether you're just starting out or looking to strengthen your financial foundation, this episode will help you see your money life as a relationship you can nurture and improve—no shame, just progress.💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202
• Market Myths & Money Moves! Plus, the questions you should ask your advisor 16.02.2026 39นาที

  With gold and silver surging to eye-catching highs, Joel unpacks whether now is really the right time to jump in. Get the unvarnished truth about the risks and realities of investing in gold and silver, including their historical track record, the costs that often go overlooked, and why they’re not always the golden ticket to wealth the headlines might suggest. Discover how herd mentality, FOMO, and social media hype can drive prices—and why long-term results often tell a different story. But that’s not all—this episode empowers you with a practical checklist of essential questions to ask your financial advisor. Joel breaks down the crucial topics: understanding all the fees you’re paying, ensuring your advisor acts as a fiduciary, grasping their investment philosophy and track record, and knowing how they’ll communicate with you through the market’s ups and downs. These questions are designed to help you build a true partnership and make well-informed decisions about your financial future. Whether you’re a seasoned investor, just getting started, or simply curious about the latest trends in money management, this episode promises valuable insights, clear explanations, and actionable advice. Tune in to sharpen your financial acumen and make sense of your dollars—plus, find out how you can connect with Joel and his team for further guidance. Listen now to get the facts, cut through the hype, and take charge of your finances with confidence! 💵 About Dollars & Sense: 💵Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.About Joel Garris:Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.➡️ CONNECT WITH US: Facebook: /NelsonFinancialPlanningTwitter: /nelsonfinplanInstagram: /nelson_financial_planningYouTube: @nelsonfinancialplanning2202