Beware of Inflation: The Impact Of Inflation On Investments – How Do You Know When You Are Wrong?

Inflation Alert...

Here is what you need to know about the impact of inflation on investments in your portfolio. We discuss stocks, bonds, real estate, cash, commodities, and more. Also I hope you have listened the prior episodes. If you have not, please check them out

If you have then you are aware of our prediction about inflation. Now we are going to take you behind the curtain and show you how to know when you are wrong. We will be using ourselves as the guinea pigs for this one, but you can learn from this to apply to your own investing.

inflation paradigm shift

"Inflation is more dangerous to people than World War 3."  - Kirk Chisholm

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percentage of household wealth in equities


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It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kirk Chisholm

Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group, an independent Registered Investment Advisor located in Lexington, MA. He has been providing wealth management services to individuals, executives, entrepreneurs, and their families since 1999. He is an outside the box thinker, risk manager, inflation expert, blogger, podcaster, and all-around interesting guy. Kirk is dedicated to developing lasting relationships with all of his clients and their families. One of the benefits of working with Kirk is his patience, empathy, and his ability to provide clear and easy-to-understand explanations to complex financial topics.


Kirk developed a unique philosophy for the wealth management industry called Risk Management First. The medical field has a similar way of thinking of “first do no harm”. This philosophy focuses on risk management for clients in all aspects of their lives in ways the industry does not address. Risk management does not stop with investments. It also requires working closely with other professionals to address areas of their financial lives not currently being met.


In 2008, Kirk co-founded Innovative Advisory Group to address the needs not being addressed by the wealth management industry. It started with specializing in alternative assets held in retirement accounts (i.e. self directed IRAs/401ks). Then the company expanded into the specialization of college funding (i.e. planning, strategy, and paying the least possible for a high quality education), Risk Management First, exit planning for business owners, advanced planning (estate, tax, etc), and providing practice management and leadership training to other financial advisors, accountants and attorneys. 

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Today's Panelists

Beware of Inflation – How Does Inflation Affect Real Estate & Your Portfolio Asset Allocation?

Are you curious about how inflation affects real estate? Your home, investment property, land, etc. will all be affected by inflation. This is the biggest source of wealth for most Americans, so it is Urgent that you understand this fact.

We also discuss how asset allocation has changed and how you should be thinking about your own asset allocation.

inflation affect rea lestate
inflation paradigm shift

"Inflation is a bigger risk to you and your family than world war 3."  - Kirk Chisholm

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kirk Chisholm

Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group, an independent Registered Investment Advisor located in Lexington, MA. He has been providing wealth management services to individuals, executives, entrepreneurs, and their families since 1999. He is an outside the box thinker, risk manager, inflation expert, blogger, podcaster, and all-around interesting guy. Kirk is dedicated to developing lasting relationships with all of his clients and their families. One of the benefits of working with Kirk is his patience, empathy, and his ability to provide clear and easy-to-understand explanations to complex financial topics.


Kirk developed a unique philosophy for the wealth management industry called Risk Management First. The medical field has a similar way of thinking of “first do no harm”. This philosophy focuses on risk management for clients in all aspects of their lives in ways the industry does not address. Risk management does not stop with investments. It also requires working closely with other professionals to address areas of their financial lives not currently being met.


In 2008, Kirk co-founded Innovative Advisory Group to address the needs not being addressed by the wealth management industry. It started with specializing in alternative assets held in retirement accounts (i.e. self directed IRAs/401ks). Then the company expanded into the specialization of college funding (i.e. planning, strategy, and paying the least possible for a high quality education), Risk Management First, exit planning for business owners, advanced planning (estate, tax, etc), and providing practice management and leadership training to other financial advisors, accountants and attorneys. 


Kirk's Online Presence:


Today's Panelists

Beware of Inflation – Why Do We Have Inflation? The #1 Reason (Bonus Episode)

Why do we have inflation? I'm sure you have heard about 100 reasons why this is happening, yet none of them make sense to you. We are in a paradigm shift and most people will not realize this for at least another year. 

In this episode we discuss what is inflation, why do we have it, how does this effect your real estate, should you buy real estate, and more...

why do we have inflation

"Residential home prices are based on affordability, so as rates rise, homes are less affordable which means lower prices."

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kirk Chisholm

Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group, an independent Registered Investment Advisor located in Lexington, MA. He has been providing wealth management services to individuals, executives, entrepreneurs, and their families since 1999. He is an outside the box thinker, risk manager, inflation expert, blogger, podcaster, and all-around interesting guy. Kirk is dedicated to developing lasting relationships with all of his clients and their families. One of the benefits of working with Kirk is his patience, empathy, and his ability to provide clear and easy-to-understand explanations to complex financial topics.


Kirk developed a unique philosophy for the wealth management industry called Risk Management First. The medical field has a similar way of thinking of “first do no harm”. This philosophy focuses on risk management for clients in all aspects of their lives in ways the industry does not address. Risk management does not stop with investments. It also requires working closely with other professionals to address areas of their financial lives not currently being met.


In 2008, Kirk co-founded Innovative Advisory Group to address the needs not being addressed by the wealth management industry. It started with specializing in alternative assets held in retirement accounts (i.e. self directed IRAs/401ks). Then the company expanded into the specialization of college funding (i.e. planning, strategy, and paying the least possible for a high quality education), Risk Management First, exit planning for business owners, advanced planning (estate, tax, etc), and providing practice management and leadership training to other financial advisors, accountants and attorneys. 

Kirk's Online Presence:


Today's Panelists

Beware Of Inflation – (Bonus Episode) The Impact of Inflation on Cryptocurrencies, Gold, and Your Cash

This is the second bonus episode in our Beware of Inflation series where we discuss the impact of inflation on different assets and aspects of your life. This episode we discuss the impact of inflation on cryptocurrencies. 

Do you think cryptocurrencies are a good hedge against inflation? The results may surprise you. We have some assets that are great hedges against inflation but for different reasons than you think.

inflation impact on cryptocurrencies


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kirk Chisholm

Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group, an independent Registered Investment Advisor located in Lexington, MA. He has been providing wealth management services to individuals, executives, entrepreneurs, and their families since 1999. He is an outside the box thinker, risk manager, inflation expert, blogger, podcaster, and all-around interesting guy. Kirk is dedicated to developing lasting relationships with all of his clients and their families. One of the benefits of working with Kirk is his patience, empathy, and his ability to provide clear and easy-to-understand explanations to complex financial topics.


Kirk developed a unique philosophy for the wealth management industry called Risk Management First. The medical field has a similar way of thinking of “first do no harm”. This philosophy focuses on risk management for clients in all aspects of their lives in ways the industry does not address. Risk management does not stop with investments. It also requires working closely with other professionals to address areas of their financial lives not currently being met.


In 2008, Kirk co-founded Innovative Advisory Group to address the needs not being addressed by the wealth management industry. It started with specializing in alternative assets held in retirement accounts (i.e. self directed IRAs/401ks). Then the company expanded into the specialization of college funding (i.e. planning, strategy, and paying the least possible for a high quality education), Risk Management First, exit planning for business owners, advanced planning (estate, tax, etc), and providing practice management and leadership training to other financial advisors, accountants and attorneys. 


Kirk's Online Presence:


Today's Panelists

Beware Of Inflation – The Bonus Interview That Will Change Your Life… For The Better.

This is an important announcement... This is a special bonus episode that will thoroughly explain this new inflation trend and the implications for your life. There is a paradigm change happening in the economy and you need to understand it.

Warning... this episode is long and important. This will be the first of many bonus episodes released (future ones will be shorter) discussing the impact of inflation and how to protect yourself. This may scramble your brain a bit and change everything you think you know about the economy, markets and your life. Those of you who are clients are already being briefed about this new trend, but we also wanted to help prepare as many people as possible.

Important: Understanding this trend is the most important thing you can do for yourself and your family. You may not like what I have to say, but after you hear it, you will understand why I am telling you. 

I will be in the guest seat tonight with my friend Douglas Heagren, a College Funding Expert. 

I will be creating an Inflation Survival Guide in the next few weeks. Please let me know if you would like a complimentary copy.

Kirk Chisholm innovative advisory group

"The current inflationary trend is more dangerous to the US than Russia."  - Kirk Chisholm

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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kirk Chisholm

Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group, an independent Registered Investment Advisor located in Lexington, MA. He has been providing wealth management services to individuals, executives, entrepreneurs, and their families since 1999. He is an outside the box thinker, risk manager, inflation expert, blogger, podcaster, and all-around interesting guy. Kirk is dedicated to developing lasting relationships with all of his clients and their families. One of the benefits of working with Kirk is his patience, empathy, and his ability to provide clear and easy-to-understand explanations to complex financial topics.


Kirk developed a unique philosophy for the wealth management industry called Risk Management First. The medical field has a similar way of thinking of “first do no harm”. This philosophy focuses on risk management for clients in all aspects of their lives in ways the industry does not address. Risk management does not stop with investments. It also requires working closely with other professionals to address areas of their financial lives not currently being met.


In 2008, Kirk co-founded Innovative Advisory Group to address the needs not being addressed by the wealth management industry. It started with specializing in alternative assets held in retirement accounts (i.e. self directed IRAs/401ks). Then the company expanded into the specialization of college funding (i.e. planning, strategy, and paying the least possible for a high quality education), Risk Management First, exit planning for business owners, advanced planning (estate, tax, etc), and providing practice management and leadership training to other financial advisors, accountants and attorneys. 

Kirk's Online Presence:


Everything You Need To Know About Investing In Cryptocurrencies

Are you still wondering what all the fuss is about?

Still think cryptocurrencies are the next tulip bubble?

This week we interview Paul Rosenberg about why everyone is excited about investing in cryptocurrencies. We discuss what is preventing widespread adoption, "stock to flow", privacy coins, and why you need to take a second look at how blockchain technology is going to change the world.

Paul Rosenberg investing in cryptocurrencies


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Paul Rosenberg

Paul Rosenberg is the author of the Free-Man’s Perspective newsletter, as well as a founder of a leading online privacy system, Cryptohippie. He has a broad range of interests and has been involved with cryptography projects since the 1990s

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Today's Panelists

Tiger 21: Learn The Secrets Of How Successful Entrepreneurs Preserve Their Wealth

Great interview this week with Michael Sonnenfeldt, founder and chairman of Tiger 21, a peer network of successful high net worth individuals. 

We discuss what it is like for successful entrepreneurs to have an successful exit, then deal with new wealth, how to raise kids around wealth, what surprises they encounter, how to deal with loss, why entrepreneurs have the opposite mindset of successful investors, and more.

michael sonnenfeldt tiger 21


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Michael Sonnenfeldt

Michael Sonnenfeldt is the Founder and Chairman of TIGER 21, the premier membership network for high-net-worth individuals – helping them to navigate the challenges and opportunities that success creates.  The TIGER 21 experience centers on learning about and reflecting upon issues pertaining to investing, life, and family.  Central to this are TIGER 21 Group Meetings, with 12-15 Members meeting once per month led by a Chair who is an accomplished professional and experienced facilitator. TIGER 21 leads with a unique approach to wealth preservation that focuses on leveraging collective wisdom and engaging Members in an extraordinary community to enhance their personal and professional lives.

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Getting Financially Naked With Jackie Porter

We mix it up this week and get financially naked with Jackie Porter. This was a fun episode where Jackie bares all about how to get financially naked with your partner, how men and women treat money differently, you-me-we budgets, and more.

financially naked


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Jackie Porter

Jackie is an awarding winning financial planner, best-selling author, and speaker who has helped thousands of clients grow their net worth, build a fortress around their finances and keep more of their cash in their pocket! She has been featured on CBC, The Agenda with Steve Paikin, Sun TV and BNN. Jackie is also a regular contributor to Investment Executive, Wealth Professional and The Globe and Mail.  Jackie recently named Mackenzie Female Trailblazer of the Year for 2019. Co-author of Single by Choice & Chance, Jackie is a leading expert in women and money, and a powerful voice in the world of women's financial empowerment

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Today's Panelists

Emerging Market Investing For 2020 and Beyond – Locating Opportunities With Tremendous Growth Potential

Did you know that most of global growth beyond 2020 is not coming from US, Europe, Japan, but rather from these emerging markets?

Most people are scared to invest outside their home country. It is called home country bias. Investors around the world have this same bias. However we want you to move beyond your comfort zone to look outside your home country at where the growth is happening for the next 80+ years.

We interview Kevin Carter and discuss emerging market investing and where he sees value in the world today.

Kevin Carter


The Rest of The World Coming Online…Right Now

By Kevin Carter

The Next Billion

The technological advancements born in Silicon Valley, are spreading across the world, and fast. Advanced economies have reached near saturation, yet the rest of the world and importantly most of the world is only just now coming online. As we live through one of the greatest leaps forward in economic growth and empowerment in history. EMQQ aims to raise it’s sails to this transformative wind and provide investors with targeted exposure to this remarkable growth story.

Macro Tailwinds in Emerging Markets

In a world where everything is relative, the top-down argument for emerging markets remains robust. The World Bank estimates 2020 real GDP growth for emerging and developing economies to be 4.6% vs 1.5% for advanced economies. Demographic advantages persist as emerging countries contain around 85% of the world’s population and its future, with nearly 90% under the age of 30. Comparing balance sheets, advanced economies are swimming in debt with a government debt to GDP of 105% vs emerging and developing countries at just over 50% leaving central banks with more policy options going forward.

These conditions do indeed create a positive foundation for future growth, however are not new, and fail to tell the whole story of the size and scale that emerging markets have grown.

To put in perspective, around the time Tim Berners-Lee, the British SCERN scientist, created the world wide web (1989), the average American was 24x wealthier than the average Chinese. Today, that number stands at only 3x, and falling. This rapid ascension of income and purchasing power, combined with populations in excess of one billion people, has given rise to an unprecedented wave of newly minted middle-class consumers. This rapidly digitizing consumer wave has now leveraged the very thing that Mr. Berners-Lee created on 30 years ago catalyzing what Ray Dalio, the founder of Bridgewater Associates described recently in Beijing as a “New world order”.


Source: World Bank

The Next Billion Shoppers

The first internet access for most of the world will not come in the form of a 10 pound, 16 inch deep desktop PC with a horribly slow dial up modem. It won’t be the foldable, thinner version that you could put in your lap, but it will come in the form of a supercomputer that fits in their pocket. This leapfrogging effect that most of the emerging world is experiencing, is allowing for, and in many ways promoting faster rates of adoption and innovation that has given rise to some of the largest and fastest growing ecommerce and tech companies in the world on par with or in some ways surpassed those in Silicon Valley. Yet the majority of the potential upside remains untapped as the average smartphone penetration rates in EM still today remain under 50% on average but rising fast. About every hour 4,000 people in India will get their first smartphone and begin messaging their friends, watch videos, order food delivery, rideshare and even use their phone to pay for it all. (Figure 3)

With connectivity spreading to all corners of the globe, tens of thousands of people are joining the online community every day and shifting their lifestyles online via their smartphone.

One needs to look no further than China’s ecommerce leader Alibaba and its singles day sales events to understand the scale and scope of this growing opportunity as it now spreads to other emerging markets. India’s leading ecommerce platform FlipKart has a similar shopping holidays in Big Billions Day & Diwali, Mexico has El Buen Fin, a shopping holiday that the Latin American ecommerce leader MercadoLibre capitalizes on, and even Africa’s leader Jumia joins the ecommerce holiday opportunity as they have tagged on to the wests originated Black Friday holiday.


Source: Brookings Global Report 2018

The Tip of the Spear: It’s All About the Consumer 

This rapid economic growth in emerging countries doesn’t come without growing pains. Undeveloped institutions, legacy infrastructure and inefficiency is still prevalent to put it mildly, resulting in uneven growth across different sectors of the economy. Visit nearly any emerging market economy and you will assuredly find reasons why it has stayed classified as emerging. Political instability, policy risk, corruption, inefficiency, poor education system, rule of law, runaway inflation, or a broken financial system, all of which are very real risks that investors should rightfully be wary of. The one consistent green shoot highlighted and promoted by nearly all politicians and forward looking businesses is the rapidly digitizing consumer. Whether it be on a metro ride in Delhi, a political protest in Buenos Aires, or a river walk in Hangzhou, the sight of young digital natives on their smartphones driving the digital revolution is inescapable.

The Investment Case

Investing in Emerging Markets as an asset class has slowly evolved over time, luring many to it’s promise of growth, yet historically left most disappointed. As most broad-based exposure results in heavy weightings toward Government Owned or State-Owned Enterprises, often ripe with inefficiency, corruption, and poor corporate governance, has weighed on long term performance and contributing to what many have described as a lost decade in emerging market investing. We believe these SOE riddled broad based vehicles should be avoided at all costs and overweight the true entrepreneurial engine behind the real growth in these burgeoning young economies in the new age consumer and the disruptive business models they are creating.

As the average financial advisor in the US allocates roughly only 6-8% of their portfolios to Emerging Markets, we feel the asset class is in desperate need of updating to more accurately reflect the actual size a growth of the emerging market economies and specifically the rising consumer.  We believe no well-diversified investment portfolio can afford to ignore the confluence of trends that has propagated one of the greatest economic growth stories of our lifetime and possibly in history and believe the internet & ecommerce segment offers the most promising chapter in that story.

Projections on Smartphone Growth:

2019 Avg Penetration Rates

Developed 73%

Emerging Markets 37%

2025 Penetration Rates

Developed 81%

Emerging 51%

Every Hour:

~4,000 Indians get their first smartphone

~3,000 Chinese get their first smartphone

~450 Russia

~375 Indonesia

~250 Brazil

~150 Germany

~150 U.K


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kevin Carter

Kevin T. Carter Mr. Carter is the Founder of The Emerging Markets Internet ETF (NYSE: EMQQ). He is widely considered an expert on investing in China and Emerging Markets. He has been a featured speaker for Columbia Business School, Bloomberg, Guggenheim Partners, Morningstar, and the CFA Society. Previously, Mr. Carter was the Founder & CEO of AlphaShares, an investment firm offering China-focused ETFs in partnership with INVESCO. Mr. Carter was also the Founder & CEO of Active Index Advisors acquired by Natixis in 2005 and the Founder & CEO of eInvesting acquired by ETRADE in 2000. Mr. Carter began his career in 1992 with Robertson Stephens & Co. 

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The Doctor of Risk Management: Stop Loss, Volatility, Stock Picking, And More

This week we interview Richard Smith who has spent the last 16 years leveling the playing field for individual investors. We discuss some risk management secrets of professional hedge fund managers: how they manage risk in their portfolios, reduce volatility & protect wealth via stop loss strategies. This is a great episode for novice and professional investors alike. Join us to learn how to invest with less risk.

stop loss richard smith


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Richard Smith

Dr. Richard Smith is the Founder of RiskSmith. With his background in mathematical theories of uncertainty combined with his own personal investing and trading experience, Richard has an acute sense of the critical role that risk and money management play in successfully navigating the financial markets. Richard is leveling the playing field for the individual investor.


When Dr. Richard Smith discovered that many of the world’s top private investment advisors and wealthiest traders had been using a mathematical formula to determine when to buy and sell stocks with incredible results, he decided to try it out. After running the numbers on his previous trades, the results were clear: no matter if the market went up or down, the investment formula he discovered would have earned him more money while taking less risk.


Applying this algorithm to an entire investment portfolio by hand was difficult, so Dr. Smith built one of the first online financial technology platforms in 2004 to help himself and others make more money and take less risk. Over the years the platform grew and additional algorithms were developed that alerted users to the precise time to buy or sell their stocks while helping manage their overall investment portfolio.

Richard had learned how to take the emotion out of investing, and the results were astounding! He formed a company around his new technologies and TradeSmith was born. TradeSmith soon grew to over 30,000 users who trusted a staggering 20 BILLION DOLLARS to his technology, and Richard became known as “the doctor of uncertainty.”


Richard is also CEO and Chairman of The Foundation for the Study of Cycles, an international research and educational institution for the interdisciplinary study of recurring patterns in all aspects throughout the world.

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